Bank · complaint record
First Citizens Bancshares complaints
Filed under FIRST CITIZENS BANCSHARES, INC.
Consumers have filed 1,642 complaints about First Citizens Bancshares since 2011, 286 of them in the last 12 months (+38% on the year before). It answered 100% on time and closed 6% with relief for the customer - less often than a typical bank. The most common problem is managing an account. It is the 27th most complained-about of 188 banks & credit unions this year.
Average response record. How it works
- Complaints on record
- 1,642
- Last 12 months
- 286
- Answered on time
- 100%
- Closed with relief
- 6%
- Last 30 days
- 10
- Rank
- #27 of 188
Since December 2011
+38% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Oct 24, 2026
Most complained-about banks & credit unions
First Citizens Bancshares complaints by month
The busiest month was August 2020 (57 complaints). Complaints in the last 12 months are up 38% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How First Citizens Bancshares answered last 12 months
- Closed with monetary relief165.6%
- Closed with explanation26793.4%
- In progress31%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers6/405.7% closed with relief
- Complaint trend6/15+38% vs last year
What First Citizens Bancshares complaints are about
Top First Citizens Bancshares problems last 12 months
Inside "Managing an account"
- Deposits and withdrawals 152
- Banking errors 71
- Funds not handled or disbursed as instructed 66
- Problem using a debit or ATM card 54
- Problem accessing account 54
- Fee problem 50
Where First Citizens Bancshares complaints come from
Most complaints: North Carolina (354), California (201), South Carolina (200), Georgia (161), Florida (98).
First Citizens Bancshares compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Axos FinancialBank accounts | 47 | 294 | D |
| 2 | Randolph-Brooks Federal Credit UnionBank accounts | 43 | 291 | D |
| 3 | First Citizens BancsharesBank accounts | 57 | 286 | C |
| 4 | Mountain America Federal Credit UnionBank accounts | 72 | 281 | B |
| 5 | Alliant Credit UnionBank accounts | 60 | 275 | C |
| 6 | AlbertBank accounts | 45 | 274 | D |
| 7 | Golden 1 Credit UnionBank accounts | 50 | 267 | C |
| 8 | Boeing Employees' Credit UnionBank accounts | 43 | 267 | D |
Compare side by side: First Citizens Bancshares vs Axos Financial · First Citizens Bancshares vs Randolph-Brooks Federal Credit Union · First Citizens Bancshares vs Mountain America Federal Credit Union · First Citizens Bancshares vs Alliant Credit Union
What people say about First Citizens Bancshares
All experiencesNo experiences with First Citizens Bancshares yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest First Citizens Bancshares complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 24, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 23, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Oct 22, 2026 | Bank accounts | Managing an accountProblem making or receiving payments | Explained |
| Oct 20, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Oct 19, 2026 | Bank accounts | Closing an accountCan't close your account | Explained |
| Oct 19, 2026 | Auto loans & leases | RepossessionCompany explaining amount owed | Explained |
| Oct 18, 2026 | Bank accounts | Problem caused by your funds being lowOverdrafts and overdraft fees | Money back |
| Oct 17, 2026 | Debt relief & credit repair | Problem with customer service | Explained |
| Oct 17, 2026 | Bank accounts | Problem caused by your funds being lowNon-sufficient funds and associated fees | Explained |
| Oct 17, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
| Oct 16, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Oct 16, 2026 | Bank accounts | Managing an accountFunds not handled or disbursed as instructed | Explained |
Questions about First Citizens Bancshares
How many complaints does First Citizens Bancshares have?
First Citizens Bancshares has 1,642 complaints on record since December 2011, including 286 in the last 12 months and 10 in the last 30 days. That makes it number 266 of every company by complaints this year.
Does First Citizens Bancshares respond to complaints?
Yes. First Citizens Bancshares answered 100% of its complaints on time (within 15 days) and closed 6% with relief - money back or a fix; 5.7% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 57/100 (grade C).
What do people complain about most with First Citizens Bancshares?
The most common problems are managing an account (504), problem caused by your funds being low (73), opening an account (158).
Is First Citizens Bancshares legit?
First Citizens Bancshares is a real company with a public complaint record: consumers have complained about it 1,642 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is First Citizens Bancshares legit? for the signals, red flags and how to protect yourself.
Are complaints about First Citizens Bancshares going up or down?
Up. There were 286 complaints in the last 12 months against 208 in the 12 before (+38%). See every month.
How do I file a complaint against First Citizens Bancshares?
Complain to First Citizens Bancshares in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most First Citizens Bancshares complaints come from?
Most come from North Carolina (354), California (201), South Carolina (200). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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