| 07/06/2022 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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This was a difficult complaint to write because there were quite a few people involved and several complaints to be addressed. And I appreciate you being understanding and trying to filter thru them. I can only tell you what has happened to me and ask for your help to correct things for me and make sure it does not happen to other people. I have so many emails and other bank statements if you need them. I only ask if something is challenged then please give me a chance to do the best I can to present the evidence to back up my side. I am one small person trying to present my case.
Thank you very much. XXXX XXXX XXXX Complainant -- XXXX XXXX XXXX My attorney -- Attorney XXXX XXXX Attorney that First Citizens uses in SC to do their foreclosures - Attorney XXXX XXXX XXXX and Attorney XXXX XXXX XXXX XXXX -- according to his email Business and Retail Credit Resolution XXXX XXXX -- never got a return email to know what his title is but I believe it is Region Business Executive I am XXXX XXXX XXXX, a XXXX XXXX XXXX woman with back problems from an accident that was not my fault. First Citizens Bank and Trust has my loan. I did not choose this lender, my mortgage loan shifted to them when XXXX XXXX XXXX sold out to them. First Citizens Bank and Trust exhibits a pattern of behavior towards their customers that is very upsetting. If you look at the blogs, the common theme is that First Citizens Bank and Trust tends to ignore you any time you try to communicate the problem you are having and reprimand you for asking any questions and then make you feel like you caused the problem. If you try to reach out to other departments for help they try to make it seem like you are causing problems when you are simply trying to resolve your issue. I can only surmise that they hope the end result is they outlast you. This is a very poor business practice and doing this to the elderly and the XXXX is really probably criminal. By ignoring the client, it makes the client have to go on a hunt for the truth yourself and then in turn the bank can criticize you for making phone calls and writing to get the answers you need because they have ignored you to begin with. The term Gaslighting comes to mind.
XX/XX/XXXX I was involved in an accident not my fault and because of covid it is still not resolved.
XX/XX/XXXX I let my mortgage company know I was out of work for a little bit and why.
XX/XX/XXXX The Pandemic hit and it effected my business completely. I was an adoption consultant/paralegal and I am not able to get in the Dr , offices or the hospitals. Frightening that your business of 30 years could just disappear almost in front of you Every week I communicated with First Citizens and asked about Covid. Never got a clear answer but I assumed when they were so nice and listened then said that they would make a note and put it in my file that meant that with Covid they were working on a solution. From what I read all the mortgage lenders were working on it so I did not worry, this seemed normal. I read that the mortgage companies were going to help with Forbearance, I knew they must have so many people effected that it would take time. I did not realize I had a type of loan that was called an " In House '' loan. This loan is not federally backed which I had no idea meant that the bank could do whatever to you, or not do anything for you through the Cares Act.
In XXXX. During that time I made as many payments as I could, some partial. Always calling or answering First Citizens calls and letting them know my situation. All the while hurting from my accident and totally limited from Covid being able to enter medical facilities with my business.
In XXXX XX/XX/XXXX I started receiving mail from random attorneys asking if I wanted to do a bankruptcy. I had not even been served anything. But I thought that I better ask for a hardship packet. XXXX in ( Loss Mitigation ) told me she did not know I wanted one.
XXXX XXXX I contacted one of the attorneys that I worked with and Attorney XXXX negotiated with the attorney XXXX XXXX XXXX and First Citizen Bank and Trust.
XX/XX/XXXX ( Complaint 1 ) I received a letter from XXXX XXXX thru my attorney that the amount he said I owed was {$18000.00}. ( Letter attached ) This letter listed five categorized amounts that 3 seemed incorrect. ( I just emailed Attorney XXXX XXXX again, whom I have asked repeatedly about these amounts and where they came from. I should be able to ask what these amounts are that I am being charged in The Temporary Repayment Plan including 3 payments beginning XX/XX/XXXX without going thru months of the same emails of me asking for the same thing without being ignored. The latest story I have gotten is that the contact for XXXX XXXX ( independant Attorney for First Citizen ) at First Citizens is out of the office until XX/XX/XXXX and he needs to ask them if he can tell me what his own fees are. They are right there on the letter so why would the attorney have to check with the mortgage company to give me what he charged me for his attorney fees and what he did for those charges. How would the mortgage company know what his costs were?. This is going to make me spend more time and write the Fee Dispute board at the SC Bar. Personally I feel this is to buy time to make up what the charges are for. COMPLAINT ( attached letter of what these charges that I owe. and is supposedly good through XX/XX/XXXX ) This amount also changed by {$840.00} more and was just added onto the Temporary Repayment Plan and again not explained.
XX/XX/XXXX XXXXTwo times First Citizens violated this law. I even received a letter from First Citizen XX/XX/XXXX in it, it explained the law on appraisals and how there is a copy due to the client 3 days prior to any transaction or closing or dealing monetarily. ( Attached letter of 3 day rule ) How does a mortgage bank send you a letter explaining the law on having to give you your appraisals and then does not give them to you? Who is accountable for making sure the law is followed.
COMPLAINT- This one of two appraisals not given to me in the time allotted so I believe this is a habitual offense with other people that should be questioned. ( attached appraisal with mail dated envelope XXXX ) This appraisal was done XX/XX/XXXX and was not mailed to me until XXXX months later, XX/XX/XXXX and only because I repeatedly asked for a copy of this appraisal, First Citizens had this information and actually told me they did not know if they could give it to me. Whoever sent the letter was aware of the law but after that the employees under XXXX XXXX dont seem to know what they are supposed to do. It seems by XXXX XXXX 's example they certainly know how to avoid clients questions and make the client feel as though they are not important enough to ask anything at all or if they do ask then you are made out to be a horrible problem. This is a prime example of them telling me the way they want it to be and I the customer, am just supposed to go along with it and not speak up for myself. I hope that whoever is over enforcing this law will make an example of First Citizen Bank and Trust. This appraisal could have aided me in putting together the Hardship package if I had had it for the Temporary Repayment Plan ( attached 3 pages ) and beginning payments XX/XX/XXXX {$6300.00} / XX/XX/XXXX $ XXXX XX/XX/XXXX {$6300.00}. After my accountant asked for it, this agreement showed up at my attorneys office 2 weeks after the first due date of XX/XX/XXXX, Supposedly it went to the wrong email address of my attorney, they did give me a 2 week grace period, to fix this but here again they just do whatever they want to, also in it, was 3 incorrect payments amounts, my accountant had to line thru them and write in the correct amounts.
Another complaint on XX/XX/XXXX I asked for a detailed loan history and received it from XXXX XXXX XXXX. However, when I asked them, they, like my accountant could not explain the charges. One of them was {$800.00}. for an appraisal {$450.00} for an appraisal another {$450.00} for another appraisal. We thought that this might be part of the charges from XX/XX/XXXX letter, number 3 labeled Corporate advances in the amount of {$5000.00} on the letter listing the charges from the attorney XXXX XXXX. But when I called XXXX XXXX XXXX they were very nice but they could not figure out the charges either. They tried several people and finally got someone in Loss Mitigation and she insisted that I was not charged for any more appraisals, even though it was right there in front of us. And it was on one of my monthly statements XXXX ( attached a copy of monthly statement XXXX ) it showed as an appraisal charge. On that same statement it has legal fees showing as {$3100.00} which is much different than Attorney XXXX XXXX 's {$1300.00} on the letter ( attached First Citizen Monthly statement XXXX ) Another statement reflects a charge of {$1000.00}. of interest taken on XXXX ( 4days after the closing ) I certainly hope the bank has not collected interest in advance. I am not sure but I believe that is some sort of infraction. ( attached First Citizens monthly statement XXXX ) The payment History was sent very quickly. I'm not sure who runs that department but they did a good job and at least tried to answer the questions. Which they could not and ended up back at XXXX 's department with hostile employees and no answers.
During that last year of not getting ANY help from the bank, My mother passing away, XXXX and XXXX people XXXX XXXX XXXX XXXX XXXX and arranging to borrow the money that was really more than it should be to pay a sum of money to First Citizens that I nor my accountant are not even sure is correct. Im not sure how much more I can take.
In the beginning of XX/XX/XXXX I realized that it was taking longer to get my nerves in my back cauterized due to finishing physical therapy, insurance approval and scheduling. I was not getting any help from First Citizen so I thought I would try to get ahead and do something to make sure I did not have any problems with finances for this year coming and I could concentrate on my health. I knew my neighbor wanted to buy my back acres to the property. So I thought it would be a good thing to go ahead while real estate was high plus cutting my acreage down from XXXX acres to XXXX acres plus my house would be beneficial because XXXX acres and a house is a quicker sale than XXXX if I had something terrible happen and God forbid I had to sell my house. When I am not under a great deal of stress I am normally very good with assessing the best way to move forward but I also need the facts ( appraisals and explanations of what payments are. I keep most everything that is documentation that could help me. I found my old emails and contacted XXXX XXXX, she was Retail Customer support Specialist and she had started the process of reducing my collateral in XXXX. I realized that First Citizen had not released a piece of collateral when I refinanced in XXXX. It took quite a bit of time for them to understand that the collateral ( XXXX acres ) really should not have been held but as long as it got worked out I was not going to say anything. It had taken about XXXX and XXXX years and it was not what I had wanted but it was close and it was done by a XXXX XXXX. He seemed to be an honest man and did his best to explain things to me and be very fair. He is no longer with the bank. First Citizens seems to have a problem keeping those employees.
There was no longer a division that did what XXXX did so of course Loss mitigation is where I was told to go. They put me with what seemed to be a young man that seemed very inexperienced, XXXX XXXX. At first he told me he did not know that could be done and I told him we had already done it in XXXX, then he told me that yes he could do it. I had offered to put a higher amount down on my principle thinking to begin with the survey would say it was going to be XXXX XXXX to XXXX acres to sell. I even told XXXX that could change if the amount of land sold changed this should have been common sense and we would have to renegotiate that figure and he said that he understood.
He seemed so unsure of himself and I even asked him was he sure about all of this because I did not want to get stuck paying XXXX XXXX for a survey and this was my nest egg to help me get thru this year to get my back straightened out. I asked for someone higher up than him that could help me but he kept ignoring me. I have those emails also. He assured me he could do it but later when I found out it was just over XXXX acres to sell in the plot not close to XXXX like I had thought originally. I had reached out to XXXX XXXX from years ago to see if he was still there and to find out if he knew who I needed to speak with that was above XXXX XXXX. In XXXX I encountered XXXX XXXX, he had the same attitude problem then.
XXXX -- -- I have an app. that records my phone calls and I told XXXX that later. I talked to XXXX about being uncomfortable with XXXX XXXX acting like he was unsure of himself. No one told me until attorney XXXX XXXX XXXX ( attorney that handles XXXX XXXX forclosures ) that XXXX was leaving the bank on the same day that I was trying to close. That gave me a clearer understanding of XXXX 's attitude A couple of months earlier I had told XXXX that I did not feel like XXXX knew what he was doing and he did not understand what I was trying to do. I told XXXX that XXXX said why didn't I take the years worth of payments and put it in a savings account and make my payments each month. How do you get to be the V.P. of anything and not know what I would think would be key vocabulary. He did not understand what deferring my payments meant for the bank to put your payments on the end of my loan, not make me put down more money that I needed to help me with my basic bills each month. The next 3 months are critical and I am very fearful. At this point I still was not sure who worked for who but XXXX assured me he would work alongside XXXX. When I asked XXXX if he was sure, that this was really important because with my back the way it is because of the wreck, I was having to watch every XXXX until I could get my back lumbar facet injections and cauterized. XXXX told me it was Mortgages and he could do what he wanted to, not to worry about it. He either forgot he said this or did not care or he was just trying to get rid of me..
XXXX sent me a list by email of what I needed to get done which was no problem and basically all XXXX had to do was put in for an appraisal. This began middle of XXXX and I asked XXXX to put in for the appraisal on XX/XX/XXXX when I emailed him to remind him to do it. I should not have had to remind him to do it period considering all he had to do was get the appraisal done and figure out a customer with over {$330000.00}. Dollars in equity had to put on her principal. If I could have done it myself, I would have but evidently the bank has to call and have one of these independent places that chooses one. Not hearing a word, I was getting worried so after I waited a week, I called XXXX back on XXXX XXXX to see where we were. XXXX said he had given it to a team member to handle and it evidently did not get handled. I was very upset and it was effecting my health. Finally, the appraiser called me on Saturday XX/XX/XXXX and he explained he got it on Friday XX/XX/XXXX. The appraiser apologized and said there is no way that it takes over a week from the time it is put in for it until they contact the client On XXXX XXXX we arranged for him to be at my house Monday morning at XXXX.
I have had to waste the last month to put this account of what happened together along with the documentation. By looking at the past appraisals, you could tell that the new appraisal should come in at about {$470.00}. Which is exactly what it came in at and I had asked XXXX to tell me what the amount of my own money was to be put in to my own loan, if the appraisal came in at that amount. The attorney and I both had tried to get an idea of what they were basing this on if the maximum was {$470.00}. ( the maximum ) I checked every day hoping that the appraisal would be in so that XXXX and XXXX could negotiate with my attorney XXXX XXXX.
Complaint -- - on the morning of XX/XX/XXXX Attorney XXXX wrote an email to XXXX and XXXX ( Email included ) explaining how the amount of acreage was less than we thought and with the amount of equity the house has, it was more than fair to First Citizen for me to put {$20000.00}. XXXX XXXX of my own money on my own principle of my own loan and for the bank to do about a year of deferred payments considering nothing had been done for me during XXXX. It was not asking too much. Two other banks said that it was terrible that it was my land and my money and other than the bank charging me some nominal charge for the little bit that it took them to figure out that {$20000.00} and was more than enough to cover 2 years plus some, of payments, bring my mortgage down to {$110000.00}. and giving me a year of differed payments would give me time to get back on my feet from XXXX and these wrecks, unless the bank was trying to get me to fail. Instead, First Citizen took 4 years of payments and no deferral. That hardly seems fair especially when an alleged crime was committed by them not giving me the appraisals when they should have. I plan to go ahead and get free from First Citizens as quickly as possible. Hopefully before the year is up. I don't like to do business with people that are nasty to older people.
Please remember I did not owe anything as a matter of fact I was ahead about {$300.00} dollars and I needed as much as I could to be able to survive this year to get my medical done and either get my XXXX, which is coming up in 2 - 3 weeks but also be able to work some when they fix this nerve in my back. Attorney XXXX explained to XXXX and XXXX in his email to them XX/XX/XXXX that I had this medical that no fault of my own. I needed to take care of this year and I wanted to pay {$20000.00}. of my money to my principle on my loan. The morning after Attorney XXXX emailed the bank, XX/XX/XXXX the appraisal came in. XXXX XXXX called me instead of calling my attorney. He explained that the bank wanted to take XXXX XXXX XXXX XXXX to put on the principle and then take another XXXX XXXX XXXX {$9000.00}. to make my payments for a year. ( again he did not understand and XXXX did not explain it to him ) He said something and I said something like what kind of a choice is that. I was so disgusted, that after all that work on my part to make sure everything was completed and XXXX did not bother to talk to XXXX about deferring my payments. I asked where was the copy of the new appraisal to help me with what was going on. He said the total was {$420000.00}. I was trying to process why it would have been low. I was having a very bad day with my back. I assumed he was called attorney XXXX next and was going to get it straight with him until I called a few hours later. XXXX never bothered calling attorney XXXX. I understand now why the Consumer Financial Protection Bureau requires the customer to have their appraisal prior to the loan closing and First Citizen should be held accountable for me not having it. If XXXX had emailed me the appraisal and called to tell me to please look over it and he would call me back in an hour that would have been all we needed to negotiate. I would have had the chance to speak to my attorney and point out this was exactly what my attorney offered the bank in his email the day before. Instead, XXXX XXXX called me when his normal avenue to communicate was email. He caught me off guard and told me the appraisal amount was {$50.00} less than it actually was.
According to attorney XXXX XXXX, XXXX also did not turn in the email to get him the ok to do the release of the XXXX acres until XXXX. on Thursday XX/XX/XXXX. So now I had two problems that the bank should not have caused, that I was trying to straighten out. I could have waited a week or two to get the bank to straighten it out but considering many people were waiting on this closing, I was in a terrible position. The seller was going out of town and my friend needed the money I had borrowed from her because she was buying a house for her daughter. We had postponed the closing once and I did not want to postpone it again. I have spoken to several banks and they have all said it was so unprofessional and inhumane to have treated me like this. First Citizens made sure they got more than their fair share and I am struggling to pay my electric and my insurance and even groceries. Now XXXX has cost me XXXX when the interest rates are climbing.
After closing on XX/XX/XXXX, XXXX and having to let First Citizen move my money around however they wanted to. I actually thought XXXX would want to make things right after he told me what a great Mortgage person he is. If he had spent as much time trying to help me as he did try to avoid me, we would not be in this situation. He spent extra time making sure I could not go over his head. I had spoken with one of the places that I could lodge a complaint and they told me one of the first things they would do would be to put me with a compliance department with First Citizens. So I called my branch and asked about reaching the compliance department. I was told by XXXX, the branch manager here in XXXX, that there was not a compliance department and she tried to direct me back to XXXX and even told me that she had emailed XXXX because he had directed them to contact him if I called. Trying to intimidate a person just because they are trying to get to a solution is a terrible thing to do. I can not help but be suspicious of XXXX. Monday approx. XXXX. XX/XX/XXXX, a XXXX XXXX XXXX called and identified himself as a VP of XXXX Banking and told me that the compliance department had contacted him ( the one they do not have ) and asked him if he could reach out to me to see if he could help. I asked him if he minded if I recorded the conversation even though I did not need to ask him. He got so nervous he told me that Compliance would be calling me by close of business. Im still waiting on the call over a week later. Friday XX/XX/XXXX, I went by the main branch and dropped in on XXXX XXXX. He had another addition to the story. There was no name on the email that reached out to him. And they picked him because he was my branch manager. I pointed out to him that I live in XXXX why would he be my branch. He had no answer. He just happened to be downstairs from XXXX office. Attorney XXXX XXXX tried to email me and tell me that the bank did not have anything else they could help me with and they felt like they had done everything they could do. I asked attorney XXXX XXXX to tell me by who's authority he was writing me and he never would answer me. And would not answer me about the amounts that First Citizen charged me. I felt this was another form of intimidation all the while I imagine trying to preserve the amount of business that First Citizen sends to them.
XX/XX/XXXX The attorney that First Citizen uses, XXXX XXXX XXXX, actually wrote me a letter apologizing for how upset I was when he spoke to me the afternoon of XX/XX/XXXX. He did try to shift the blame and say things like First Citizen had always intended to get my closing done. Even though his partner in the law firm had told me it would be at least a week before they could get it done. And the Appraisers busy schedule along with coordinating with my schedule to review my home. The appraiser contacted me on Saturday and I had him out Monday morning at XXXX I would have had him come Saturday night if it would have helped hurried it along. The Appraiser, XXXX XXXX is a very nice man and seemed very thorough. Considering First Citizens has done nothing for me except take money that they had not explained and took money from me that was excessive.
There are many other bank statements showing charges that do not match up. I will be glad to produce them.
We had XXXX hours before the closing but cutting out the collateral got screwed up also because I was told XXXX did not email Attorney XXXX XXXX XXXX either with the instructions until XXXX or XXXX. for the one page document that took them about 30 minutes to do, but they had to have the go ahead and the survey. attorney XXXX XXXX had said that they did not have the survey but they did have it. We got that cleared up. They had the survey and the ok was just a couple of sentences but XXXX had to do the go ahead.
The first appraisal had not been put in for at all so we had to push the closing out. The first date was XX/XX/XXXX, my neighbors were going out of town and I had promised to pay my friend back because she was buying a small house for her daughter. She was kind enough to pay for that pre-forclosure thing that I was overcharged by First Citizen by putting down extra appraisals and who knows what else. That needs to be assessed by someone at First Citizens and a detailed list given then my accountant will look at it and I expect to be reimbursed for anything that I overpaid or should not have paid.
How is the mortgage banker not licensed here in South Carolina?
What I want and/or expect : I want to be made whole again.
I want First Citizen to institute a program that will listen to customers and together see if there is merit to what their complaint is. Sometimes people are just not explaining things correctly and need a little bit of help.
*I want at least {$14000.00}. of my money returned to me from First Citizens immediately. I may be damaged further because of the rising interest rate and not being able to devote time to getting some sort of refinancing at another bank or loan institution.
* Amounts defined in detail from letter dated XXXX XXXX from XXXX XXXX XXXX.
amount labeled 3.Corporate Advances {$5000.00} amount labeled 4. Attorney Fees {$1000.00} amount labeled 5. Attorney costs {$330.00} and the additional {$840.00}. charged to me. Added to the Temporary repayment letter and not explained.
I want those amounts plus interest given back to me immediately.
*I want First Citizens to be held accountable for not getting me either of the appraisals in the time frame that is allowed by law.
*First appraisal done XX/XX/XXXX and not given to me until XXXX ( plus mailing time ) needed it for the time starting XX/XX/XXXX to do my hardship packet.
*Second appraisal done XX/XX/XXXX and not received until XXXX ( plus mailing time ) Needed XX/XX/XXXX to work on closing amount. And work on the amount that should be paid on principle from the sale of my property.
" Addendum : First Citizens set aside a year of payments when the bank was aware that there was not a year left of payments before the balloon payment at the end of the loan which is XX/XX/XXXX. This was in a letter sent by the Manager Regional Security ServiceXXXX XXXX XXXX The letter was very threatening. '' Thank you for your time.
XXXX XXXX XXXX XXXX XXXX XXXX.
XXXXXXXX XXXX XXXX XXXX XXXX
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| 12/14/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
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I was a victim of a very sophisticated scam, where I was asked to do international wires to Transaction Type : WireTransfer If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/XXXX Was the money sent?
Yes Victim Bank Name : XXXX XXXX XXXX Victim Bank Address XXXX XXXX XXXX XXXX XXXX Victim Bank Address ( continued ) : Victim Bank Suite/Mail Stop : Victim Bank City XXXX XXXX Victim Bank Country XXXX XXXX XXXX XXXX XXXX Victim Bank State : XXXX XXXX Victim Bank Zip Code/Route XXXX XXXX Victim Name on Account : XXXX XXXX XXXX XXXX Victim Account Number : Recipient Bank Name : XXXX XXXX XXXX, XXXX XXXX
Recipient Bank Address : XXXX. XXXX XXXX Recipient Bank Address ( continued ) : XXXX XXXX, XXXX. XXXX XXXX XXXX Bank Suite/Mail Stop : Recipient Bank City : XXXX XXXX Recipient Bank Country : XXXX Recipient Bank State : Recipient Bank Zip Code/Route : XXXX Recipient Name on Account : XXXX XXXX XXXX XXXX Recipient Bank Routing Number : Recipient Account Number : XXXX Recipient Bank XXXX Code : XXXX Transaction Type : WireTransfer If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/XXXX Was the money sent?
Yes Victim Bank Name : XXXX XXXXXXXX XXXX Victim Bank Address : XXXX XXXX XXXX XXXX Victim Bank Address ( continued ) : Victim Bank Suite/Mail Stop : Victim Bank City : XXXX Victim Bank Country XXXX XXXX XXXX XXXX XXXX Victim Bank State : XXXX XXXX Victim Bank Zip Code/Route : XXXX Victim Name on Account : Victim Account Number : Recipient Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Recipient Bank Address ( continued ) : XXXX XXXX XXXX Recipient Bank Suite/Mail Stop : Recipient Bank City : XXXX XXXX Recipient Bank Country : XXXX Recipient Bank State : Recipient Bank Zip Code/Route : XXXX Recipient Name on Account : XXXX XXXX XXXX XXXX Recipient Bank Routing Number : XXXX Recipient Account Number : XXXX Recipient Bank XXXX XXXX : XXXX Transaction Type : XXXX If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/XXXX Was the money sent?
Yes Victim Bank Name : XXXX XXXX XXXX Victim Bank Address : XXXX XXXX XXXX XXXX Victim Bank Address ( continued ) : XXXX Bank Suite/Mail Stop : Victim Bank City : XXXX Victim Bank Country : United States of America Victim Bank State : South Carolina Victim Bank Zip Code/Route : XXXX Victim Name on Account : Victim Account Number : Recipient Bank Name : XXXX XXXX XXXX, XXXX XXXX
Recipient Bank Address : XXXX. de XXXX XXXX XXXX XXXX XXXX, Recipient Bank Address ( continued ) : XXXX. XXXX XXXX XXXX Recipient Bank Suite/Mail Stop : Recipient Bank City : XXXX Recipient Bank Country : XXXX Recipient Bank State : Recipient Bank Zip Code/Route : XXXX Recipient Name on Account : XXXX XXXX XXXX XXXX Recipient Bank Routing Number : Recipient Account Number : XXXX Recipient Bank XXXX Code : XXXX Transaction Type : WireTransfer If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/XXXX Was the money sent?
Yes Victim Bank Name : FIRST CITIZENS BANK & TRUST COMPANY Victim Bank Address : XXXX XXXX XXXXXXXX XXXX Victim Bank Address ( continued ) : Victim Bank Suite/Mail Stop : XXXX Victim Bank City : XXXX Victim Bank Country : United States of America Victim Bank State : South Carolina Victim Bank Zip Code/Route : XXXX Victim Name on Account : Victim Account Number : Recipient Bank Name : XXXX XXXX XXXX, XXXX XXXX
Recipient Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX, Recipient Bank Address ( continued ) : XXXX. XXXX XXXX Bank Suite/Mail Stop : XXXX Recipient Bank City : XXXXXXXX XXXX XXXXXXXX XXXX Bank Country : XXXX Recipient Bank State : Recipient Bank Zip Code/Route : XXXX Recipient Name on Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Recipient Bank Routing Number : Recipient Account Number : XXXX Recipient Bank XXXX Code : XXXX Transaction Type : WireTransfer If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/XXXX Was the money sent?
Yes Victim Bank Name : FIRST CITIZENS BANK & TRUST COMPANY Victim Bank Address : XXXX XXXX XXXXXXXX XXXX Victim Bank Address ( continued ) : Victim Bank Suite/Mail Stop : XXXX Victim Bank City : XXXX Victim Bank Country : United States of America Victim Bank State : South Carolina Victim Bank Zip Code/Route : XXXX Victim Name on Account :.
Victim Account Number : Recipient Bank Name : XXXX XXXX XXXX, XXXX.
Recipient Bank Address : XXXX XXXX XXXX XXXX XXXX Recipient Bank Address ( continued ) : XXXX XXXX XXXX Recipient Bank Suite/Mail Stop : XXXX XXXX Recipient Bank City : XXXXXXXX XXXX XXXXXXXX XXXX Bank Country : XXXX Recipient Bank State : Recipient Bank Zip Code/Route : Recipient Name on Account : XXXX XXXX DE XXXX XXXXXXXX XXXX XXXX Recipient Bank Routing Number : Recipient Account Number : XXXX Recipient Bank XXXX Code : XXXX Transaction Type : WireTransfer If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/XXXX Was the money sent?
Yes Victim Bank Name : FIRST CITIZENS BANK & TRUST COMPANY Victim Bank Address : XXXX XXXX XXXX XXXX Victim Bank Address ( continued ) : Victim Bank Suite/Mail Stop : XXXX XXXX XXXX City : XXXX Victim Bank Country : United States of America Victim Bank State : South Carolina Victim Bank Zip Code/Route : XXXX Victim Name on Account : Victim Account Number : Recipient Bank Name : XXXX XXXX XXXX, XXXX XXXX
Recipient Bank Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank Address ( continued ) : XXXX XXXX XXXX Recipient Bank Suite/Mail Stop : XXXX XXXX XXXX XXXX XXXX XXXX Recipient Bank City : XXXXXXXX XXXX XXXXXXXX Recipient Bank Country : XXXX Recipient Bank State : Recipient Bank Zip Code/Route : Recipient Name on Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Recipient Bank Routing Number : Recipient Account Number : XXXX Recipient Bank XXXX XXXX : XXXX Transaction Type : WireTransfer If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/XXXX Was the money sent?
Yes Victim Bank Name : FIRST CITIZENS BANK & TRUST COMPANY Victim Bank Address : XXXX XXXX XXXX XXXXXXXX Victim Bank Address ( continued ) : Victim Bank Suite/Mail Stop : XXXX Victim Bank City : XXXX Victim Bank Country : United States of America Victim Bank State : South Carolina Victim Bank Zip Code/Route : XXXX Victim Name on Account : Victim Account Number : Recipient Bank Name : XXXX XXXX Recipient Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recipient Bank Address ( continued ) : XXXX XXXX Recipient Bank Suite/Mail Stop : XXXX XXXX Recipient Bank City : XXXXXXXX XXXX XXXXXXXX Recipient Bank Country XXXX XXXX Recipient Bank State : Recipient Bank Zip Code/Route : XXXX Recipient Name on Account : XXXX XXXX XXXX XXXX XXXX XXXX Recipient Bank Routing Number : Recipient Account Number : XXXX Recipient Bank XXXX XXXX : XXXX Transaction Type : WireTransfer If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/XXXX Was the money sent?
Yes Victim Bank Name : FIRST CITIZENS BANK & TRUST COMPANY Victim Bank Address : XXXX XXXX XXXX XXXX Victim Bank Address ( continued ) : Victim Bank Suite/Mail Stop : XXXX Victim Bank City XXXX XXXX Victim Bank Country : XXXX XXXX XXXX XXXX Victim Bank State : South Carolina Victim Bank Zip Code/Route : XXXX Victim Name on Account : XXXXXXXX XXXX XXXX XXXX XXXX
Victim Account Number : Recipient Bank Name : XXXX XXXX XXXX, XXXX.
Recipient Bank Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank Address ( continued ) : XXXX XXXX XXXX Recipient Bank Suite/Mail Stop : XXXX XXXX XXXX XXXX Recipient Bank City : XXXX XXXX XXXXXXXX Recipient Bank Country XXXX XXXX Recipient Bank State : Recipient Bank Zip Code/Route : Recipient Name on Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Recipient Bank Routing Number : Recipient Account Number : XXXX Recipient Bank XXXX XXXX : XXXX Transaction Type : WireTransfer If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/XXXX Was the money sent?
Yes Victim Bank Name : FIRST CITIZENS BANK & TRUST COMPANY Victim Bank Address : XXXX XXXX XXXXXXXX XXXX Victim Bank Address ( continued ) : Victim Bank Suite/Mail Stop : XXXX Victim Bank City : XXXX Victim Bank Country : XXXX XXXX XXXX XXXX Victim Bank State : XXXX XXXX Victim Bank Zip Code/Route : XXXX Victim Name on Account : Victim Account Number : Recipient Bank Name : XXXX XXXX XXXX, XXXX XXXX
Recipient Bank Address : XXXX XXXX XXXX XXXX XXXX Recipient Bank Address ( continued ) : XXXX XXXX XXXX Recipient Bank Suite/Mail Stop : XXXX XXXX Recipient Bank City : XXXX XXXX XXXXXXXX Recipient Bank Country : XXXX Recipient Bank State : Recipient Bank Zip Code/Route : Recipient Name on Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Recipient Bank Routing Number : Recipient Account Number : XXXX Recipient Bank XXXX XXXX : XXXX Description of Incident Provide a description of the incident and how you were victimized. Provide information not captured elsewhere inthis complaint form.
In May of this year I received a phone call from a company named XXXX based out of XXXX, this company wanted to purchase my vacation membership which is XXXX XXXX in XXXX XXXX. I spoke to one of the representatives who stated they were representing XXXX and his name was XXXX XXXX, we agreed on a sale of {$23000.00} for the price of this membership. The Representative from XXXX stated that they had lawyer in the U.S. who will be sending us the contract details. We receive a contract from the law firm identified as XXXX XXXX XXXX XXXX XXXX, with an addres in XXXXXXXX XXXX XXXXXXXX Tx XXXXXXXX XXXX and started to do documents with XXXX XXXX who stated he was a lawyer for the firm. Following this I receive a certificate of transfer to be filled out and send. Initially the law firm stated that I needed to pay the taxes and that I would be reimbursed. This is when I pay the initial fees and cost for the sale. The stated they need my wire bank information to send me the amounts which now was the agreed price and I was expecting to receive a wire for {$31000.00} to close the sale. The bank named XXXXXXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX de XXXX email me stating they were sending a wire, later I received a call from a New York Number stating they were a wire clearing financial institution and needed to verify my information to receive the wire. After this they proceed to inform me that the bank in error had mail me via courier a Cashier Check XXXX, XXXX, and I was instructed to contact XXXX Customs or XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, they stated that where holding the Other check but I needed to provide a XXXX Form XXXX and pay a fine for not declaring the check leaving XXXX. I proceed to pay the fine and asked them to release the check. XXXX XXXX said they had release the check back to the courier, and to trace it with them. The courier stated that they had lost the check and nothing the could do about it. The Lawyers in U.S. of XXXX XXXX XXXX XXXX Firm represented by XXXX XXXX stated that XXXX Lawyer named as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX represented by XXXX XXXX XXXX could help me suit the courier and the bank and get my money back. We signed a document giving her XXXX XXXX of Attorney to proceed to suit the XXXX and XXXXXXXX XXXX for the money lost and mishandled. Meanwhile, XXXX XXXX representing XXXX and us, stated they will give us Debt Settlement Letter to cover the losses and reimburse us for what we have lost. As we continue week after week contacting the XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX, they had told us that they had received a settlement in favor of XXXX and us and that we needed to either pay taxes and fees on the settlement before having access to the fund which would be wired from XXXX XXXX XXXXXXXX. Everytime XXXX or the XXXX XXXX said the had attempted to wire the funds it had been detained by XXXX XXXX, XXXX, XXXX insurance on the money and we would be refunded the monies paid to these entities within 5 days of concluding this transaction. I have documentation that was e-mailed to us from these parties.
Which of the following were used in this incident? ( Check all that apply. ) Spoofed Email Similar Domain Email Intrusion Please specify : received a phone call Information About The Subject ( XXXX ) Who Victimized You Name : XXXX XXXX XXXX Business Name : XXXX Address : Av XXXX XXXX XXXX XXXX XXXX Address ( continued ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX XXXXXXXX Country : XXXX State : Zip XXXX : XXXX Phone Number : XXXX Email Address : XXXX Website : XXXX XXXX XXXX IP Address : Name : XXXX XXXX Business Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX ( continued ) XXXX XXXX Stop : City : XXXX Country : United States of America State : Texas Zip Code/Route : XXXX Phone Number XXXX XXXX Email XXXX XXXX XXXX Website XXXX XXXX XXXX XXXX XXXX Address : Name : XXXX XXXX XXXX Business Name : XXXX XXXX XXXX Address : XXXX XXXX Address ( continued ) : Suite/Apt./Mail Stop XXXX City : XXXX Country : United States of America State : XXXX Zip Code/Route : XXXX Phone Number : XXXX Email Address : XXXX Website XXXX XXXX XXXX XXXX XXXX Address : Name : XXXX XXXX Business Name : XXXX XXXX XXXX Address : XXXX XXXX Address ( continued ) : Suite/Apt./Mail Stop : City : XXXX Country : XXXX XXXX XXXX XXXX State : XXXX Zip Code/Route XXXX XXXX Phone Number : XXXX Email Address : XXXX Website : XXXX XXXX XXXX XXXX Address : Name : XXXX. XXXX XXXX XXXX XXXX Business Name : XXXX XXXX XXXX XXXX Address : Address ( continued ) : Suite/Apt./Mail Stop : City : XXXX Country : XXXX XXXX XXXX Zip Code/Route XXXX Phone Number : XXXX Email Address : XXXX Website : XXXX Address XXXX Name : XXXX XXXX Business Name : XXXX Address XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Sec Address ( continued ) : Secc, XXXX XXXX XXXX Suite/Apt./Mail Stop : City : XXXX Country : XXXX State : Zip Code/Route : XXXX XXXX Number : XXXX Email Address : XXXX Website : XXXX XXXX XXXX IP Address : Name : XXXX XXXX Business Name : XXXX Address : XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Address ( continued ) : XXXX XXXXXXXX XXXX XXXX Suite/Apt./Mail Stop : City : XXXX XXXX XXXX Country : Mexico State : Zip Code/Route : XXXX Phone Number : XXXX Email Address : XXXX Website : XXXX XXXX XXXX XXXXP Address : Other Information If an email was used in this incident, please provide a copy of the entire email including full email headers.
XXXX XXXX XXXX, XXXX, XXXXXXXX XXXXto meGood day XXXX XXXX, This email is to follow up with you according to our last conversation. I will be waiting for the documents needed with the characteristics of your membership in order to review it with my supervisor and negotiate the offer. If you can send the information before XXXXXXXX XXXX CST would be great ; that way when I call you at XXXXXXXX XXXX CST your final offer will be ready.Kind regards, XXXX XXXX, Registered agent. XXXX XXXX, XXXX. Phone number : XXXX ( XXXX ) XXXX XXXX / XXXX ( XXXX ) XXXX XXXX | Fax : XXXX ( XXXX ) XXXX XXXX Email : XXXX Address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX de XXXX XXXX XXXX, XXXX. XXXX Are there any other witnesses or victims to this incident?
My Wife XXXX XXXX XXXX the witnesses only the banking clerk that processed the transactions from our side. XXXX XXXX from First Citizens BankXXXX XXXXXXXX XXXX from XXXX XXXX, XXXX XXXX from XXXX XXXX, XXXX XXXX from XXXX XXXX and If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc.
Called the FBI in XXXXXXXX XXXX XXXXXXXX, an agent forwarded me to file a compliant on this website.
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| 11/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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To whom it may concern : I have been scammed by 2 different sources, along with my old bank have now scammed me out of almost {$10000.00} since XX/XX/XXXX to XX/XX/XXXX. I am not sure how I can get this resolved but I am asking everyone I can to find these scammers and have them dealt with so they can not do this to other people.
How did it start?
Back in XXXX of XXXX, I opened an XXXX account for my business. I started following and commenting on XXXX of the guys, XXXX XXXX, on there because of the good deeds he was doing for others. We exchanged XXXX numbers and began talking. The weather, life and how he helps so many people just for being kind. Back in early XXXX, he mentioned that he and his team had a billionaire contact them looking to help 5 families as they do yearly. He wanted to nominate me for this. I was elated. I have been praying for this miracle for years and I thought now it is coming true. Praise God. He asked me to submit an email to the billionaire, ( XXXX ) as to how I would use the money and who I could help with this money. So, I did. I got a reply back stating that his attorney, XXXX XXXX, XXXX, would get back with me. He did. I checked the billionaire and the attorney out and it seems to be a legit, XXXX XXXX XXXX XXXX and they do help families. I was approved for {$500000.00}. Thats more money than Ive ever seen in my life and I could use this money for myself and to give to some local non-profits. I opened a personal checking at First Citizens bank XXXX, FL out of my business account in the amount of {$10.00} account where they would send the wire transfer of money. Then came XXXX XXXX. I live in FL, so I know many people who lost everything. I mentioned this to the attorney and paid the first fees, as Ive never done or had a money wire transfer, so I did as I was told. The billionaire was so pleased and willing to help me and others that he changed the amount to {>= $1,000,000}, {$5.00} XXXX dollars. HOLY XXXX! That could help so many more people. My business credit card was then compromised and maxed out, over {$5300.00}. But you guessed it, more money, more fees. I could not afford anything else and then the threats started. XXXX said XXXX XXXX would fire him if he did not get this money to me. There was nothing I could do. He raised the money and then there were more fees. Im done. They scammed around {$5500.00} After all this, I knew that I was not getting this money and I remembered a pastor, XXXX XXXX on XXXX, a business community website like XXXX, so I figured, lets chat. She asked about my business and I told her what my businesses are and she mentioned to me that her church and ministry give {$1.00} XXXX dollar ATM cards to people as donations. I figured shes a pastor so she must be legit. I even asked her if it was legit and she said yes. She said it was {$500.00} but that she could pay {$450.00} of it if I could pay only {$50.00}. I found {$50.00} and paid her. Next thing I know, there is FBI involved at the Washington DC airport and Im now going to be charged with money laundering if I dont pay them {$1000.00} to release the men delivering the card to me. I paid that and then when they got to XXXX there was another XXXX XXXX XXXX asking for {$3000.00}. I could not pay it. The guys got stuck in XXXX and no money for me. I told them to go back to XXXX XXXX and she could mail me the money card. She transferred the money into an account in XXXX and then was going to wire me that money. Thats where XXXX XXXX comes in. Hes transferring it from XXXX to XXXX back to my account in XXXX. More fees. NO! Next she took that money, {$1.00} XXXX and put it in a box with a key and sent it with yet more delivery guys. I was so close to {$1.00} XXXX dollars. A new house and I will still be able to give to the local non-profits I wanted to donate money to. They get to Florida and theres a {$200.00} fee to release and then theyre on their way and their cab driver gets pulled over for speeding and its {$100.00} to pay the fine. I did not have it and was leaving town the next day to honor my dads 1 year of passing away. They said if I waited until I got back the fee would be {$1000.00} and I said I dont have the money. I guess its just not meant for me to have this money. She would not stop and neither would her guys. Contacting me at all hours of the day and night and threatening me and my life hourly. I called the XXXX XXXX and filed a report on them and the FBI and XXXX XXXX XXXX, which there is no such thing. I just want my money back for what these scammers got from me and the bank stealing my money, {$990.00}. As of yesterday, Wednesday XX/XX/XXXX, they wanted {$50.00} to complete the transaction and deliver my box to me with {$1.00} XXXX in it. I kept saying no. Then I get a XXXX message from The XXXX XXXX XXXX. I did not and have not responded to them at all. I said to XXXX and XXXX, they could find the money if they truly want me to have this money. I have been given many gifts over years and not 1 did I have to pay for. I dont know how or why I fell for this, but I want these people caught and I want my money back. They scammed a total of {$3100.00} or so. Total $ XXXX {$990.00} from bank. Close to {$10000.00}.
Police report is XXXX filed XX/XX/XXXX Filed a report with FBI IC3 website XX/XX/XXXX Filed a report with XXXX XXXX XXXX XX/XX/XXXX Case # XXXX XXXX Filed a report with XXXX XX/XX/XXXX with XXXX then Charm, lady I spoke to at XXXX Filed a report with ReportFraud.ftc.gov # XXXX XX/XX/XXXX Filed a report with XXXX XX/XX/XXXX XXXX XXXX said I have to call merchant to dispute total of {$550.00}. No way to contact merchants.
Called about other gift cards and they suggested me to call Attorney Generals office.
Filed fraud on my Business credit card account with first citizens XX/XX/XXXX and then on XX/XX/XXXX I spoke to the fraud dept XXXX and XXXX about XXXX XXXX and transfer for XXXX XXXX. They froze my accounts and then took all {$990.00} out of my business account on XX/XX/XXXX XXXX XXXX XXXX XXXX gave me XXXX email to send request to for money donation from XXXX XXXX XXXX XXXX. Tried calling the XXXX and no answer.
XXXX XXXX Attorney XXXX XXXX XXXX XXXX Bank wire transfer XXXX TransactionID # XXXX XX/XX/XXXX Sort code XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX total of {$2300.00} for XXXX XXXX and XXXX XXXX XXXX XXXX XXXX assistant for XXXX XXXX XXXX XX/XX/XXXX about XXXX and their fees Pastor XXXX XXXX XXXX XXXX XXXX Minsitration Conference XXXX XXXX XXXX Delivery guy XXXX XXXX XXXX XXXX First Citizens banker in XXXX XXXX VA XXXX No such person works there ) XXXX XXXX XXXX XXXX XXXX Delivery guy XXXX XXXX The Delivery Agency XXXX XXXX I do have emails from all involved and the Alignable messages from XXXX XXXX XXXX XXXX
I went to look up XXXX XXXX XXXX on XXXX and could not find her, even with the first message she sent me to view her profile. When I called her out on it, she said I was calling her a liar and that she had just sent me a message. I still have not seen it come through.
If you need further information, please contact me. Im not sure what all I can submit or how to. I do have some of the gift cards that were used and paid with cash also. I can upload those at a later time if they are needed.
Thanks again,
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| 01/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Before getting into the details of my complaint, I would like to request from the Consumer Financial protection Bureau to pay more attention to this complaint and to investigate if there are other consumers who have similar issues or problems with the same bank as I believe that my issue may not be an isolated issue and I have real concerns about ongoing illegal conduct and unacceptable practices, intentionally or unintentionally, tied to mortgages and loans from this bank.
I am an American citizen and a medical doctor who used to work and live with my family in the state of Massachusetts in the United states. In XXXX we, myself and my wife, decided to own a house. My wife is a XXXX XXXX as well. We applied for a Mortgage through one of the real estate firm and got approved to receive a Mortgage from XXXX XXXX We worked hard for years to collect the down payment and all the other fees related to buying a home. We moved to our new home in XXXX MA end of XXXX. We continued to pay our monthly payment of our mortgage regularly and on time. Around mid XXXX, we got an opportunity for me and my wife to move and work in XXXX XXXX XXXX. We continued to pay our monthly mortgage payment as usual electronically from my XXXX XXXX XXXX account to XXXX XXXX Around XXXX of XXXX, we were informed that our mortgage is no more with XXXX XXXX and it is now part of First Citizens Bank. Our payment issues started from that time and keep happening till now. I have to mention that I never miss any payment at all and I make sure that the mortgage payment is first thing that I do at the first of each month and also worth mentioning that I don't have any financial difficulties preventing me from paying my monthly mortgage or doing the commitment on time. The first problem happened, If I can remember correctly, around the first half of XXXX when I was informed by the bank that I missed my payment. Thats came as a surprise to me so I contacted First Citizens Bank and I mentioned that I send the payment regularly the beginning of each month. I was informed that monthly mortgage payment was changed due to a change of the escrow payment. I was not informed about this change but the bank mentioned that they sent the mortgage statement with the changes to my mailing address on file. I have to clarify that this mailing address is my friends mailing address in Massachusetts that I provided to the US postal service before leaving the US to work in XXXX XXXX XXXX. From the start and even before this first payment issue happened, I contacted the bank and mentioned that I live overseas and I dont receive any statements or letters they send by regular mail and I demanded to establish other practical way of contact. They started to send my mortgage statements by email for several months end of XXXX and beginning of XXXX and then they stopped. The payments issues continue to happen from that time till now and it happened at least twice or three time and the last payment issue happened for XXXX and XX/XX/XXXX payments. I have been trying and for the past few years to establish a good way of communication and contact with First Citizens bank but with no luck. I suggested different options, I asked them to send my mortgage statements to my current overseas address but they mentioned that they are not able to send the statements to overseas address. I asked them to send it to my email or assign someone to contact me in regards to my mortgage issues and provided my current phone number but this is also didnt happen and every time I call they mention that they dont have a phone number for me on file. I attempted to establish online access and I spoke to their online help line multiple times but they were not able to give me online access because I dont have a US base phone number. In regards to the last and current payment issue of XXXX and XXXX of XXXX, I contacted the bank to solve this issue and I talked to one of their credit department representatives who mentioned to me that their system doesnt recognize any payment that doesnt match the correct payment. I explained to her that I was not contacted regarding the change of the monthly payments and how this happened before and the issue of not receiving the statements that they send by regular mail and again explained that I have been sending the payments on time from my bank account and were received and deposited by First Citizens bank and all are documented in my XXXX XXXX XXXX account ( see attachments ). I asked her to just calculate the difference between the current amount that needs to be paid and the amount that I already paid and I will pay the difference but she mentioned that this is not possible and I have to pay the whole amount which equals to more than double the amount of the sum of two monthly payments. My friend who is in the US sent me a message few weeks ago stating the First Citizens bank is sending many letters lately. I asked him to open the last letter and send me a photo for me and I found that they are asking me to pay a lot of money that doesnt make any sense and the letter mentioned that my account is in default for failure and they may accelerate the maturity of the loan.
I called the credit department of First Citizens Bank three times in XXXX of XXXX and each time I got an automated message that they are not able to take my call and asked if I agree to receive a call back to the same number and I did confirm my phone number and my agreement to receive a call back but I never got a call back for them.
I dont have a good feeling about this and I am not sure if other customers have same or similar issues with First citizens bank but I really think that the Consumer Financial Protection Bureau has to seriously investigate if there are similar issues happening to other customers of First Citizens Bank in regards to the mortgages and loans. Whats happening is not normal, they are uncooperative and unwilling to solve my problems with them in regards to the communication and contact issues, I am not able to receive my mortgage statements or review the payments and fees for years, not able to know about any changes happening to my account or my monthly payment, not willing to solve their electronic system issue which doesnt recognize payments that already made but different from the monthly payment and regards it as unpaid, not able to know the fees and the calculations of the fees and the payments that they apply which seem to me very complicated and vague. As if they are intentionally or unintentionally trying to push my account for default and illegally repossess the home that I have been paying my savings and large percentage of my monthly salary for more than 7 years to own and to keep my credit history in a good status. I will continue to contact the bank attempting to solve this problem even after I submit this complaint.
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| 04/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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XX/XX/XXXX : Contacted XXXX to request a 10 day loan payoff letter with a per diem. Was told by representative that it would be emailed to me.
XX/XX/XXXX : I had not received the loan payoff so I contacted XXXX again. The representative was extremely rude and informed me that emailing the payoff was not an option and that the letter had been mailed to me and I would have to wait 7-10 business days to get it. I requested a supervisor. She was every bit as rude as the representative and provided no help.
XX/XX/XXXX : I also sent a secure message through the First Citizens app to request the payoff.
XX/XX/XXXX : Im not 100 % sure about this date ( it could have been XX/XX/XXXX ) but I chose to reach out to XXXX again because I had received conflicting information. I spoke to a gentleman, who was very nice. He said he didnt have the option to email the letter but he would reach out to the loan department. I told him I would just wait and see if I received the letter in the mail or if someone responded to my message on the app.
XX/XX/XXXX : I received a response to my message on the app that read, Dear XXXX XXXX, Thank you for your message. We appreciate the opportunity to respond to your inquiry. Our records indicate that you contacted us in regards to this inquiry. If you need further assistance, please do not hesitate to send us a message or call us toll free at XXXX XXXX XXXX XXXXXXXX XXXX. You can also contact us internationally at XXXX. Our representatives are available Monday - Friday XXXX to XXXX XXXX, Saturday & Sunday XXXX to XXXX XXXX. Thank you for contacting XXXXirst Citizens Bank. We appreciate your business. Sincerely, XXXX Customer Support Specialist XX/XX/XXXX : I responded to the message on the app. My response read, Yes, in fact, I have contacted more than once about this inquiry and I havent received a loan payoff as of yet. Every other bank I have ever dealt with has NEVER had a problem sending me the loan payoff. The last bank I dealt with, I was able to print off the loan payoff myself. Seems to me that First Citizens is mighty eager to collect that {$7.00} per day in interest, which is exactly why no one will send me the payoff so that I can have this loan transferred to a company that I actually trust and enjoy working with. I have never dealt with more difficult people, or such awful customer service than I have with First Citizens Bank. I look forward to paying this loan off and moving on from this company.
XX/XX/XXXX : I received another response on the app that read, Dear XXXX XXXX, Thank you for your message. We appreciate the opportunity to respond to your inquiry. Our records indicate your loan payoff request was mailed on XX/XX/XXXX to the mailing address we have on file. Please allow up to 10 business days for this to arrive at your location. If you need further assistance, please do not hesitate to send us a message or call us toll free at XXXX XXXX XXXX XXXX XXXX. You can also contact us internationally at XXXX. Our representatives are available Monday - Friday XXXXXXXX to XXXX XXXX, Saturday & Sunday XXXXXXXX XXXX XXXX XXXX. Thank you for contacting First Citizens Bank. We appreciate your business. Sincerely, XXXX Customer Support Specialist XX/XX/XXXX : I still had not received the loan payoff letter that was supposed to have been mailed on XX/XX/XXXX. I contacted XXXX again and spoke to a very nice girl. She apologized for the frustrations and explained that they could email me the loan payoff but told me I would have to make the request from the email account on file and include my name and loan number. She provided me with the email address of XXXX. She informed me the request would take 24-48 hours to receive a response.
XX/XX/XXXX : I emailed the provided address @ XXXX XX/XX/XXXX : I also sent another message on the app that read, Good afternoon : First of all, your customer service leaves a lot to be desired. It is extremely sad that you and other representatives are either uninformed, or misinformed about the options for requesting a loan payoff. I first requested a loan payoff on XX/XX/XXXX through customer service. All you can tell me is that it was mailed on XX/XX/XXXX. I have not received that letter yet. Mail is delivered on Saturdays, so that is 11 days since you say it was mailed, which is absolutely unacceptable. Letters do not take that long to be delivered. Fortunately, the girl that I spoke with today was able to simply give me an email address so that I could make the request to have the payoff emailed to me, which is what Ive been asking for since XX/XX/XXXX. She seems to be the only person who knows how to do her job, which is really sad for your company. Please keep responding with your generic, unhelpful responses though, I love the confirmation that Im doing the right thing!
XX/XX/XXXX : I received a response on the app that read, Dear XXXX XXXX, Thank you for your message. We appreciate the opportunity to respond to your inquiry. We apologize for the frustration this may have caused. A complaint has been filed on your behalf ; your case number is XXXX. If you need further assistance, please do not hesitate to send us a message or call us toll free at XXXX XXXX XXXX XXXX XXXX. You can also contact us internationally at XXXX. Our representatives are available Monday - Friday XXXX to XXXX XXXX, Saturday & Sunday XXXX to XXXX XXXX. Thank you for contacting First Citizens Bank. We appreciate your business.
XX/XX/XXXX : I still had not received either the mailed letter or an email with the loan payoff information. I contacted XXXX again and spoke with another nice lady. She apologized again for the frustrations and contacted the loan department for me. She informed me that the loan department told her that the requests usually do take 24-48 hours for a response but they had an overload of requests and it could take up to 72 hours. I was advised to wait another day and if I did not receipt to contact them again but hopefully that wouldnt be the case.
XX/XX/XXXX : I still had not received either the mailed letter or the email with the loan payoff information. I contacted XXXX again and spoke to a nice lady but she told me again that the payoff could not be emailed to me. A supervisor told me the same thing. According to the supervisor, she didnt see that the letter had been mailed on XX/XX/XXXX. She said she saw that the letter was mailed on XX/XX/XXXX after they received an email request on XX/XX/XXXX. She was absolutely no help at all.
I STILL do not have anything more than a verbal payoff and per diem from this financial institution and I am waiting to finish a refinance with another company.
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| 06/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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The lender CIT Bank N. A has denied ownership of my loan.
Every time I've called during XXXX, XXXX, and even XXXX, CIT Bank N.A, First Citizens Bank and Trust, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and, XXXX XXXX XXXX XXXX XXXX XXXX XXXX all say they can not find my loan.
I contacted XXXX XXXX XXXX and Mutual of Omaha, who originated my refinance. I am waiting for XXXX XXXX, who has been originating loans for all of my properties for over XXXX years, to get back to me on who XXXX XXXX XXXX sold my loan to after orientation.
Mutual of Omaha told me CIT Bank N.A. only bought Mutual of Omaha 's Condo, Association, and Townhouse part of their business. The regular residential mortgage and Servicing side of the company was not part of the deal. My house is a single-family residence. It has no Home Owner Association.
XXXX XXXX XXXX was going through compliance and licensing issues with the state of California when three of my houses were refinanced XXXX XXXX XX/XX/XXXX. Mutual of Omaha was originating the loans on behalf of XXXX XXXX XXXX due to compliance issues. But was not a part of what XXXX XXXX XXXX did with the loans after orientation.
I had five total properties in A COVID-19 forbearance, and all, but this one automatically was modified into a new loan with a lower interest rate and payment. All had the same loan originator XXXX XXXX XXXX. I have not missed one payment since I came out of forbearance, and my loans were modified from them. I HAVE Only HAD ISSUES WITH XXXX XXXX XXXX SINCE XX/XX/XXXX. I had no issues with the previous servicer XXXX XXXX XXXX XXXX XXXX
The problem I had with XXXX XXXX XXXX. from the beginning was a lack of communication between the departments within XXXX and the Automated system that was implemented in XX/XX/XXXX by XXXX XXXX
There was an issue with the website that I was required to sign up on to complete my application for loss mitigation and upload my documents. You can look at the XXXX Call log. I had to call several times because a new application would be issues every time I would log in. I received countless emails confirming a new application that had been submitted on my behalf, and with each, more emails asked for documentation that I had sent in. This same thing happened when I would log in through the online portal going through XXXX XXXX I have about eight letters with a name, and they state they are my sing point of contact. But from XXXX through XXXX, at no time did I ever speak to my single point of contact. When I demanded to talk to my single point of reference I was always told they were unavailable or everyone in the office was a single point of contact. However, every time I would call, I would spend XXXX minutes just trying to catch the agent up on all the details about my situation and loan.
I found an issue with how all emailed documents get routed to the loss mitigation department. All new emails were not received or arranged with the most recent. The agents would have to filter through hundreds of documents and emails I had sent. This caused several mistakes on XXXX XXXXs by denying my application due to expired documents. They did not have a process or procedures to combat this, even after countless times I informed the agent on the phone.
I have detailed notes of every conversation I had starting in XXXX through XXXX of XXXX with XXXX agents, CIT Bank, First Citizens Bank and Trust, XXXX XXXX XXXX XXXX XXXX, 3 HUD counselors who tried to help me get through to a decisionmaker, and Dovenmuehle.
XXXX XXXX was hired by CIT Bank N.A. or whoever to foreclose on my property on XX/XX/XXXX. I was never going to be considered for any foreclosure work-out option. All Loancare did was intentionally delay the process and string me along until the foreclosure memorandum was lifted and they could foreclose.
I offered to start making payments when I came out of my Covid-19 forbearance so I would have a chance to take advantage of the very low-interest rates and Refinance my house. I was told NO by loan care.
I ask for a deferral of allowing misted payments and escrow to be applied to the end of my loan. I was told NO.
I asked if I could pay anything once the emergency rental assistance payments finally came in from my rental properties. I was told NO.
I asked if I could pay the taxes and insurance so I would not fall further behind. I was told NO.
I was even told not to add the truth to my appeal letter because it would cause too many red flags. This should be in XXXX 's call log. I have the original letter I read to the agent and the one I sent in and read to the agent. We went throughout a renovation at this time.
I have sent emails to every email I was given to asking for someone to step in and help me because I was getting nowhere with the loss mitigation department. I talked to the trustee, and the foreclosure department, and XXXX 's foreclosure department even told me to go ahead and submit a new application after my final appeal was denied, and I would be able to get a 2nd chance and apply. This was a recorded call with a hud counselor and loan cares agent. This was after I read to him XXXX 's wording on the denial letter stated no further applications would be reviewed.
I have not been able to use it since the middle of XXXX because there is a plumbing issue that I did tell loan care about. The city of XXXX will not allow anyone to live inside until we fix the issue. It is the under the street where the sewer line meets the city line. If there is too much use of water and waste everything backs up on to the driveway.
I have a lot more information pertaining to the investments secured by my deed. I also can go over XXXX XXXX bankruptcies these investments clamed and the debtors who were actually owned by the same company who owned the business filing a XXXX XXXX ( fraud ).
At NO TIME BETWEEN XX/XX/XXXX THROUGH XX/XX/XXXX DID CIT Bank N.A., FIRST CITIZENS BANK AND TRUST, EVERY CONFERM THEY OWNED OR COULD FIND MY LOAN IN THIER SYSTEM EVERY TIME I WOULD CALL TO SPEAK WITH SOMEONE.
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| 01/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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To : Consumer Financial Protection Bureau XX/XX/XXXX I kept receiving numerous telephone calls, beginning XX/XX/XXXX through XX/XX/XXXX from XXXX in the customer accounts department for XXXX XXXX. Even though I have received a letter from XXXX XXXX sometime in XX/XX/XXXX or XX/XX/XXXX informing me that First Citizen bank would be taking over XXXX XXXX 's customers. It was so vague as to whom I was to contact concerning any questions that I might have concerning my accounts with XXXX XXXX.
Anyway, I wound up closing my checking and savings accounts without anyone talking to me about any consequences that may arise from my closing the accounts. I left my XXXX XXXX account opened as I was paying on this account per my contract agreement with XXXX XXXX.
Shortly after closing my accounts, I began receiving telephone calls from XXXX that my XXXX XXXX account was delinquent. I have never ever been late, nor have I ever missed a payment. I asked that XXXX pull my records beginning in XX/XX/XXXX with the very first payment, up to the current payment in XX/XX/XXXX where a payment was now delinquent. I asked her to show me how in all this time that I am showing a delinquency when all payments were made each month.
XXXX states that because I made XX/XX/XXXX payment before the due date, that it caused the payment to appear in my account as late when the due date arrived. Meaning that the early payment was applied to interest and not principle. By paying that far in advance of the due date by the time the due date arrived and I made no payment on that date, it appeared that I had not made a payment for that month. Absurd!
XXXX asked me to make another payment and it will bring the account current. I told her I will not. What I would like for her to do is reverse the XX/XX/XXXX payment that I made on or around XX/XX/XXXX or XX/XX/XXXX, to be applied to the due date XX/XX/XXXX. She said, she did not think that she could do that and would see what she could do and give me a call back.
On XX/XX/XXXX at XXXX, I called XXXX to inquire about any resolutions and another person answered the telephone and tried to assist me. The lady checked my account and said she saw no problems with the account that the account was current with no delinquencies. Well, I felt happy and relieved to hear this. The lady asked if she could place me on hold to further investigate why I was getting the telephone calls from XXXX.
XXXX wound up picking up the telephone to let me know that she reversed the charges but that now I was late for XX/XX/XXXX payment, if I do not pay, I may start getting more collections calls ; and I did, even though while waiting for her to clear up the XX/XX/XXXX issue, I paid XX/XX/XXXX payment on XX/XX/XXXX. XXXX told me that my account will still come up delinquent until I pay on the actual date the payment is due. I told her, I 've heard of companies getting upset when customers pay late or not at all, but I have never heard of a company getting angry or penalizing a customer for paying their bill early.
The argument got so heated that I requested XXXX 's supervisor to intervene in sorting out this mess to my satisfaction. XXXX sarcastically told me her supervisors name was XXXX. I asked her if XXXX had a last name. She said XXXX, I asked her to spell the name, she said XXXX. I asked to speak with him. She placed me on hold and had someone to tell me that XXXX was in a meeting. During the lady and my conversation, the lady paused to say that XXXX has sent an email to have the charges reversed.
I never received a call back from XXXX explaining whether or not she was able to reverse the charges, but I did continue at this point to receive numerous collections calls to pay the delinquent debt. I called XXXX on XX/XX/XXXX at XXXX, because of the continuous collection calls, and XXXX says she did not see a XX/XX/XXXX payment. However, at XXXX I called XXXX XXXX XXXX pay-by-phone ( XXXX ) XXXX, and spoke with a female ( do not remember name ) who stated she could see where a payment was made on XX/XX/XXXX. She placed me on hold to speak with someone about the payment since I told her their credit accounting department XXXX keeps calling me about my account being delinquent. XXXX????? I did not get her name because she dropped my call. I called back about 5 minutes later and spoke with XXXX. XXXX went through the same process that XXXX took me through, I stopped her and explained that I was well aware of the reversals that XXXX claimed she processed. But now every time I call XXXX call-and-pay number, I keep being told that even though I made a payment on XX/XX/XXXX I am late until I make 2 payments. I let XXXX XXXX know that that is n't going to happen. XXXX XXXX offered to call me back after she track down where my payments were reversed to and why the XX/XX/XXXX, payment is coming up as late or not paid. She will call me back on Monday by XXXX CT. XXXX did call and told me to pay 2 payments in XX/XX/XXXX to bring the account current.
My final attempt was to go on and make 2 payments to clear up the delinquency. One payment was made on XX/XX/XXXX and the other on XX/XX/XXXX, the actual due date.
I got tired of the collections calls and made one final attempt and called XXXX XXXX auditing department to try to resolve the matter again. This is where XXXX XXXX 's employees started referring me to contact First Citizens Bank, that it was out of their hands. I contact First Citizens and explain the nature of my concerns and First Citizens referred me back to XXXX XXXX. They played the ping-pong-ball game with me until I finally decided to contact CFPB ( Consumer Financial Protection Bureau ) to intervene.
Thank you
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| 02/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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The below is a recent snippet of the year-long process I have been dealing with. I have emailed multiple attorneys, First-Citizens Board of Directors, HUD, XXXX, and have all the documentation concerning this entire, stressful process : I called the Loss Mitigation Representative on Wednesday, XX/XX/XXXX ( but have been calling and emailing since XX/XX/XXXX with Mr. XXXX XXXX ) was informed by XXXX? ( didn't provide her last name ) that he was out of the office. Told her that I had XXXX XXXX ( HUD Representative ) on the line as well, whom I authorized to speak on my behalf. XXXX asked how she could help and that I needed to provide my mortgage loan account number ( XXXX ) which I did. After searching, and asking me a few more times to repeat my account number XXXX stated she couldn't find it in the system! I explained to her that I had submitted information via this email address to loss mitigation previously on numerous occasions! She was then able to find my information.
Per her instructions, she stated that from an appeal aspect to the over {$2700.00} Repayment Plan ( which I can't afford ), I would have to submit another Mortgage Assistance Application to prevent upcoming foreclosure ( state law requires a servicer not to continue with a foreclosure while a completed application is pending ) and have my application packet documentation/finances reviewed again. Also, XXXX stated she would send the application via postal mail. I vehmently stated that since the foreclosure was schedule for XXXX, I needed her to email the packet information so I could get it submitted again as quickly as possible! She confirmed she could and would email me the information. Which she didn't. The attached completed Mortgage Assistance Application was one I found in the numerous mailings I'd received from First-Citizens over the past six-months!
I am still unclear how the reviewer determined I could afford a monthly payment of {$2700.00} ( when my monthly net income is {$4900.00} ) for the next six-months ( FOUR times the amount of my original monthly payment ), especially when you look at the 30-36 % debt-to-income ratio. Included are my requested monthly pay stubs relating to my income AND my detailed budget dipicting my creditors/debt.
Over this year-long process of trying to work with XXXX ( loan originator ) and now First-Citizens Bank ( new servicer ) I definitely do not feel I have been treated fairly ( with no opportunity for forbearance or modification plan ) to HELP me keep my late mother 's home during my financial ( 10-month unemployment ) hardship. Hence, my contacting a HUD-Approved Housing Counselor ( XXXX XXXX ) to advocate for me to find options to avoid foreclosure. The mortgage has been paid for 14 plus-years on my mother 's home ( including 4-years since her death ) and the only reason it was not paid over the last year was due to my unemployment/financial hardship. I have gotten the run-around for over a year to assess my loan situation with both service providers ... first with XXXX and now with First-Citizens. Therefore, I am filing a complaint with the Consumer Financial Protection Bureau to include my experience with the other 42 complaints currently found in the database.
I sent all the information for my Borrower/Mortgage Assistance Application. My hope was to receive a response/acknowledgment of the information I sent if further information was required.
I sent an email to First-Citizens Bank LossMitigation on XX/XX/XXXX about the email dated XXXX where I submitted another Borrower/Mortgage Assistance Application per instructions from the rep we ( myself and HUD counselor ) spoke with on XXXX. I did not received any response from First-Citizens to ensure receipt! Asked them to please acknowledge. As it was my understanding this would halt foreclosure since they had to review again.
Received an email back from Mr. XXXX XXXX, Loss Mitigation Specialist at First-Citizens stating that he had reviewed my information with a member of the underwriting team and it was determined that the information provided does not support a loan modification. At this point there is a sale next week on XX/XX/XXXX and that is still on calendar.
I responded via email back to him on XX/XX/XXXX As stated in my previous emails, and within all the numerous previous documents I have submitted. It does not have to be a loan modification since I can afford the current loans specified payments. The main reason for submitting the Borrowers Assistance Package with the Hardship Information, that I never received via email which I was told during my XX/XX/XXXX phone call with the rep, was under First-Citizens avoid foreclosure options was to establish payments to pay the overdue balance over a 12-month period instead of a six-month period of mortgage payments exceeding {$2700.00} per month. Especially, since I know and believe First-Citizens Bank knows as well, that would be setting me up for financial failure if I agreed to those terms in the previous Repayment Structure Plan, which I appealed! Therefore, I will continue to contest the upcoming sale and seek all legal actions available to me as SII to my mothers estate. Also, it amazed me that I could get a response to my professional email address. Yet, not my personal email from which all previous correspondence was sent to First-Citizens.
XXXX XXXX responded via XX/XX/XXXX email that my email was received and agreed that I should seek legal advice. I asked him on XX/XX/XXXX to provide the following information : 1. Total amount due to reinstate the loan?
2. Total amount for loan payoff?
He provided me this information on XXXX
|
| 12/02/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I opened a checking account with First Citizens Bank in XXXX of XXXX when I took out a line of credit on home equity. I had recently moved from XXXX to XXXX XXXXa and felt it was time to move my accounts to be closer to me.
I must say that I have never had been charged so many fees, and then fees on top of fees, and then those fees causing you to be overdrafted so more fees caused by previous fees. It is horrible ' Initially, I was not too concerned because any OD transfers would come from my LOC and was okay financially.
In XXXX of this year, I sustained damage due from Hurricane Dorian which I did not claim under my insurance since the year prior I had a very large claim due to Hurricane Florence. Also, the area where I live in XXXX was not classified as a disaster area.
I spent close to {$5000.00} just to repair and replace fencing, my HVAC unit had to be replaced which was another {$3800.00}, then my dryer went ( {$750.00} ), my car needed brakes and sensor repair ( XXXX ), The foregoing were unanticipated expenses that I used the remainder of my LOC to pay for. There was no money left for the completion of the two bathrooms which were in mid-renovation.
I am a single mother who lives paycheck to paycheck. I need my bank to be reliable, and that I can rely upon what information is in the computer. To be safe, I signed up for alerts to let me know when my account went below {$50.00}.
Since my LOC was spent, I started to receive {$36.00} in overdraft fees and it has now progressed to such an extent that I have paid over {$700.00} in OD fees since XX/XX/XXXX. That is my mortgage payment. I am now a month behind - I live paycheck to paycheck.
After studying First Citizen 's practices, it came to my attention that unlike any other bank that I have had int he past, it posts a transaction at the time it was made rather than " after XXXX '' for example. I was used to getting an alert, running to the bank and deposition funds and not being charged anything. Now, if I get an alert and deposit money for a transaction about to post, I get a {$36.00} fee because the " money wasn't in there at the time it posted ''.
Now, if I get a text alert that my account is below {$50.00}, and I run and deposit {$50.00} to ensure it does not get overdrawn, the next morning ( usually at XXXX ) I would receive notice that an item posted and caused my account to go overdrawn and charge me {$36.00}. Since I had not anticipated this additional {$36.00}, I am now hit with another {$36.00} the following day because I no longer have the funds to deposit. It is so unfair.
I know the logical answer is to keep an eye on my funds and that I can appreciate, however, I rely on my text alerts but it seems First Citizen 's doesn't text for each transaction just a blanket " a transaction '' caused me to be OD which could mean there are five transactions subject to OD fees. Again, these OD fees are unanticipated.
It's a very ugly cycle I seem to have got myself into. I was concerned so I opted in on the Basic OD Protection which really was a way for the bank to make money charging a {$36.00} fee for a {$7.00} purchase.
I tried to work this out with First Citizens who was very rude to me and said twice that despite having a positive balance on XX/XX/XXXX, I was charged a {$36.00} OD fee because a transaction came in and there was not enough money in the account at the time. So despite having a positive balance, I was still hit with a {$36.00} fee. And then the nightmare continues. Because I don't have the money in the account due to an unanticipated OD fee, I am charged another OD fee, etc.
First Citizen 's will look at " total deposits '' as one number but conveniently look total charges as individual charges ( largest one first ) for the purpose of charging an OD fee.
I am beyond broke now. Again in a hardship and First Citizen 's is aware of this because I was going to refinance my home to pull out some equity. However, First Bank wanted money up front and I had to laugh and say seriously?
I would love to be able to rely on First Citizen 's balances and pending transactions, but since they do not include OD fees charge, those numbers are unreliable. Let 's say I have {$500.00} balance in my account, pending shows {$470.00} in three transactions, I spend the {$30.00} I believe I have left and then at XXXX XXXX the following morning will get a note saying my {$30.00} transaction caused my account to OD. In all actuality, it was the OD not shown in pending that caused my account to overdraft.
Today was the last straw. I canceled the OD basic protection but was still charged {$36.00} for a {$7.00} ATM charge. After further investigation, First Citizen 's is paying these charges as a benefit of my having Premiere Checking when in actuality, it just made {$36.00} for loaning me {$7.00}. I can not get them to decline my transactions.
I have now opted out of the so called overdraft protection and find myself a mortgage payment behind, in dire financial straights, all because the bank has predatory credit/debit but any text notices for that my account is overdrawn are always posted at close to XXXX every XXXX. So the balance in my account online is inaccurate because they add overdraft fees.
|
| 08/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Older American |
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I believe I have been the victim of predatory lending, and possibly that the bank lending officer that approved and implemented my loan was working with the car dealership to inflate my loan balance with unnecessary and unauthorized fees associated with warranties I did not know I had, nor had I asked for. I was also quoted a trade-in value of {$6000.00} higher than was actually factored into the loan. I have written to the bank and outlined these concerns ( see attached ), but they refuse to take any responsibility for their role in putting me into a loan product that was not only artificially inflated to begin with, but that was beyond my means. The deal described to me and shown to me on the auto salesmans work sheet, was quite different by the time several adjustments were made, and I was not informed of these changes, but was simply told to Sign on the dotted line. When the final documents were delivered to me, I went to the dealership to discuss the discrepancies from what I had been told would encompass the entire loan, vs. what was on the final documents ( which I can not be sure were not altered AFTER I signed them ). The dealership could not locate the salesmans work sheet that showed the numbers to which I agreed. When I realized that I would have trouble meeting the monthly payments, I contacted the bank to see if there were any options that would make it possible for me to keep the car. I was assigned to XXXX XXXX, XXXX XXXX XXXX ( NMLS # XXXX ) to apply for other options. When she informed me that I had been turned down for any asset retention options, she commented to me that, based on my amount of income and debt, had I applied with the bank directly, rather than whatever deal the auto dealer had with the bank, the loan should never have been approved in the first place. She was also the person that worked with me on the process and schedule to turn my vehicle back into the branch. I sincerely believe that I was taken advantage of due to my age and lack of knowledge of the loan process and that perhaps even additional charges were added to my loan after my signing the documents. I am on a fixed retirement income, and having to work 2 part-time jobs just to try to manage my bills. That was no different the day I applied for a loan, but I trusted the auto dealership and bank to accurately assess my income and debts to ensure that a loan offered would be manageable for me. A quick XXXX search also turns up reviews of the car dealership involved, that leads me to believe they could have had some arrangement with the loan officer who approved this loan that never should have been approved. I believe that is the only explanation as to why I was charged over {$3400.00} for warranties I never even knew I had, and that were, I believe, added AFTER the final total was shown to me by the dealerships financial manager who was working with the bank employee who approved the loan. I was also told by the dealership that the trade-in value for my previous car was {$10000.00}, and therefore the entire balance of the prior auto loan ( {$10000.00} ) would be paid off. However, when all was said and done, they only credited me with {$4000.00} on the trade-in. I now actually believe that the dealership was dealing with me mostly honestly, but when the bank lender got involved, all of a sudden the loan amount increased greatly. I believe the dealership and that the loan officer that approved the inflated loan amount, against bank policy, given my income and debt, were in cahoots to inflate the loan amount for some sort of commission goal by the bank employee. The XXXX XXXX case has illustrated the tactics by bank employees to enhance their commissions by such dealings, and I believe I was the victim of such. The bank indicates they have already sold the car for {$18000.00} ( if you can believe them, given that the XXXX XXXX XXXX resale value was approximately {$21000.00} ), yet they appear to still be coming after me for a much larger balance than is deserved. I will be happy to work with them, once they prove they only got {$18000.00} for the car, to settle the balance of what should be, after removing the inflated and unauthorized charges, somewhere in the neighborhood of {$3000.00}, rather than the huge amount they now say I owe. I hope you can intervene on my behalf and urge the bank to be reasonable, otherwise, the loan will be charged off as uncollectible, as I do not have the means to pay it off. If you believe I should also file a complaint against the dealership, I will do that as well, but I believe the bank has more culpability in this than they do, as they approved a loan that should never have been approved, as corroborated by their own bank employee, XXXX XXXX. Had these new totals ever been discussed with me, I would have refused the deal, but I signed on behalf of the numbers from the salesmans work sheet, that were night and day different than the final numbers on the documents I received later.
|
| 01/01/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American |
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Before the clocks strikes midnight, I intend to file a complaint that I've wanted to file for months. On XX/XX/2021, I reached out to XXXX XXXX at First Citizens Bank representative XXXX XXXX in XXXX regarding a HELOC loan for a mortgage free home I own in at XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX The home is valued at about {$270000.00}. My credit scores at the time were in the mid to high 700s. Initially, I'd hoped to get a heloc with my son who is a customer with the bank but didn't feel comfortable adding him to the deed due to marital issues he was having at the time. On XX/XX/2021, I sent XXXX XXXX the requested two years of tax returns and the requested W2 financial documents but I had not signed and completed the application. XXXX XXXX then called me on XX/XX/2021 and I informed her that I did not know how to complete and sign the online application and verification of financial information page. XXXX XXXX had said that she put the HELOC amount down as {$100000.00} which was more than I was considering but decided to go with it. She advised me how to access the signature verification page and I signed and emailed the signature document and application to her the next day on XX/XX/2021. On XX/XX/2021, I noticed that my name on the HELOC documents was listed as XXXX XXXX instead of XXXX XXXX XXXX. I emailed XXXX XXXX about this concern and she said not to worry about it and that it would be corrected at closing. I didn't understand how this error could have occurred since all the paperwork I sent to XXXX XXXX contained my correct name. It then occurred to me that I'd seen XXXX XXXX as one of the incorrect names listed on XXXX of my credit reports and that XXXX XXXX had obviously pulled my credit report before the signed verification of Financial information document had been sent to her on XX/XX/2021 because she knew my credit score when I spoke with her on XX/XX/2021. I just didn't understand how a bank could issue a HELOC loan to me in the wrong name so I mentioned it again and was told that it was too late to change the name on the information and not to worry about it.
I even visited the XXXX branch bank in person and XXXX XXXX had me speak to another loan officer who opened an account for me and told me that I had been approved for a {$15000.00} XXXX XXXX credit card at 8 % interest. After many days and weeks of sending XXXX XXXX one document after another, and sometimes the same documents twice, XXXX XXXX said that underwriting was concerned about my debt to income ratio. When she presented me with a list of the debts below, except for my car loan with XXXX bank, the other debts had mostly been paid off after the XXXX 2021 refinancing of my home here in XXXX, Ga.
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I wanted to have this information corrected because XXXX XXXX said if the accounts were paid from the HELOC that I could never have an account with these companies again. i didn't understand why I had to close accounts that had already been paid off when I refinanced my XXXX home.
XXXX XXXX said she needed proof from the creditors that the debts had been paid. I contacted the creditors and had each one send me an updated statement with the correct amounts owed. I sent this information to XXXX XXXX who then said she couldn't accept the creditors ' statements.
On XX/XX/2021, I emailed XXXX XXXX that I had called her several times and left a message for her to return my call and did not hear from her and that was the last day that she'd said she could submit any updated information. On XX/XX/XXXX, XXXX XXXX finally called and said that the loan counter offer had been reduced to what I thought she said was {$62000.00} because I wrote the amount down. The next day on XX/XX/XXXX, I received an email from XXXX XXXX stating that the counter offer was {$52000.00}. I emailed XXXX XXXX that I was never comfortable with {$100000.00} HELOC loan anyway and that the {$52000.00} would be sufficient. The next thing I know, I get a letter in the mail from First Citizens a week later stating that the HELOC had been denied. I have never been so disrespected by a financial institution in my entire life. I maintain that when the HELOC loan went back to underwriting for closing, that having the incorrect name of XXXX XXXX on the documents invalidated the entire process and that was an error that could have only occurred if my credit report had been accessed prior to the signed documents being submitted.
|
| 02/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
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Web |
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First Citizen 's response to my first Complaint addressed none of the following : therefore, I am filing another complaint against them.
1. The bank 's response was extremely condescending and smug. However, the attachments provided proved my point. They admit that " priority debit transactions '' are posted before " deposits and other credits ''. This is so unfair - especially when you deposit funds because you have a " priority debit transaction '' coming up. In a way, I think this is shady. Account holders of First Citizen 's be aware. At least they admit to debits are fist then credits. I guess this ensures the NSF fee income they rely upon! 2. How is the following fair to a person who lives check to check and due to insurmountable OD fees, can not pay her bills although she has more than enough money to cover them. Some anecdotal evidence : In XX/XX/XXXX I deposited {$2300.00} and spent {$2200.00}. But since debits are taken before credits, I was charged {$140.00} in OD fees - meaning I was already starting the next month with a negative balance. It gets worse. In XX/XX/XXXX ( the following month ), I deposited {$2300.00} and spent {$1700.00} - leaving more than enough funds available to cover the incoming negative balance and all the items I charged that month. However, I was charged an additional {$250.00} in OD fees. 3. The banks explanation of its posting order is confusing in light of its so called " Basic Overdraft Protection '' which you can opt in or out. In the example in No. 2, I was both opted in and opted out of that protection with no change on what debits were paid as the bank NEVER not paid anything presented to my account. Even when I was over drafted and presented a {$7.00} charge, they paid it and then charged a {$36.00} OD fee. When I called the bank and said hey, you weren't supposed to pay that, they said because I had a prime checking account,, they pay it as a courtesy no matter if I opted out. How on earth can one get ahead with the OD fees if you can't opt out of the overdraft protection or you opt out and they pay as a courtesy. How unfair is that? To me, the bank is giving out loans that were expressly not agreed to by opting out of this protection. 4. On the internet, apparently First Citizen has reputation for OD fees " scams '' and that its practice are not those of a " real bank '' ( XX/XX/XXXX bank review ). 5. I have alerts on my account, and ironically, I do not receive alerts over the weekends telling me my account is below {$50.00} but oddly receive an alert that my account is overdrawn. And then find out the following Monday that I was hit with 5 OD fees of {$36.00} each. Why are they paying these debits - constantly? 6. Another online review of First Citizen practices : " charge OD fees right down to the minute rather than business day, however the transactions are not time-stamped and batch processing is arbitrary and this especially affects low income households ''. 7. I am in a financial hardship and struggling to buy necessities. I have a recent traumatic medical diagnosis which will require XXXX. Due to the in excess of {$1000.00} I have paid First Citizen 's in pure OD fees when I deposit more than I spend is crucifying me and my ability to pay for my health care. 8. I was stuck in a spiral of OD fees and charges constantly putting me in the red without any rhyme or reason especially when I was opted out of the basic OD protection. I have essentially stopped using my First Citizen 's account - had no choice. Money that I budgeted for food and utilities was eaten up by First Citizen for months and it was a constant cause of anxiety. I paid what I could to stop them from harassing me for collection of the OD fees. Talk about insult to injury. 9. Again, I hereby request that First Citizen bank write off as a gesture of good will, decency and humanity because I live paycheck to paycheck and am currently experiencing an incredible financial hardship with the need to have XXXX XXXX and having no extra funds to pay medical bills ( extremely high deductible ) available due in large part to the {$1000.00} in OD fees paid to First Citizen. For the year XXXX, I was charged AND PAID {$910.00} in overdraft fees and ask that they immediately be deposited back into my account. There is a very good chance that due to the nature of my medical condition ( XXXX XXXX ) I may be out of work and I have no XXXX insurance. Time is of the essence.
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| 08/29/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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Dear Sirs The purpose of this correspondence is to request the help and intervention of Your Lordships or whomever you indicate to do so, to correct a situation that we are experiencing with First Citizens Bank. It is important to mention that we searched for other legal and valid communication channels without success.
We are using this channel because the Federal Reserve recommended us to contact Your Lordships to find means of solving our problem. To understand the subject, below I make a brief report of the problem we face. Confident in the good administration and politics of your country, we opened an account in the aforementioned bank to use for vacation trips.
We rarely used the account, including because of the pandemic and because there were no opportunities to travel, but we were aware that our resources were safe in your country and would be used by us when it was opportune.
Unfortunately, on XX/XX/2023, we were surprised by a fraud in our account, fraud verified and admitted by First Citizens itself, which only reimbursed us for part of the stolen money. Upon accessing our First Citizens Bank checking account, we noticed that the total balance had significantly decreased. Around XXXX {$12000.00}! Analyzing the statement, we noticed a large number of debit transactions not carried out by us.
They were fraudulent transactions carried out without using the PIN number in different locations. It is important to point out that in all the time that the fraud was happening, the bank 's security never contacted us to ask for confirmations or explanations, even though these were suspicious and atypical operations on the account.
In this sense is our indignation and protests. If the fraud is amply proven and confirmed, why was the full amount of the fraud not returned to us? We can not accept allegations that seek to reverse the fraudulent situation and hold us responsible for the situation!
On the same day, we informed the bank 's fraud department, canceled our debit card and requested a refund of the amounts deducted from our checking account. The following day, XX/XX/2023, we sent an email reporting this fraud to our account manager, XXXX XXXX XXXX - XXXX XXXX XXXXt XXXX - XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX FL XXXX.
We made numerous appeals to the account manager, XXXX XXXX, without success, leaving no alternative but to appeal to Federal Reserve, and following that to Your Lordships. In the mentioned above email sent to XXXX XXXX, we attached all movements in our account not authorized by us, all with strong evidence of fraud, so much so that a few days later some amounts were refunded, about XXXX {$3000.00}, but not the total amount defrauded. That is justified for their policy of not refunding claims over 60 days, even though the fraud happened for several more days than that!
This fraud had been going on for several months, with glaring situations of non-compliance, such as purchases made on the same day indifferent cities and countries, different locations such as : XXXX, XXXX, XXXX, XXXX, XXXX, etc. We emphasize that we never received notices of these nonconformities or refusal by the bank for these suspicious transactions.
We tried several phone contacts with the manager XXXX XXXX, but she did not answer the calls, responding only via XXXX that she would contact us at another time. We sent emails to her asking for the name of her superiors as she was not able to resolve our situation.
Then she finally replied informing us that we would be contacted by her superior XXXX XXXX XXXX - Senior Vice President, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. But so far we have had no responses.
Based on this situation, we turn to you for the necessary measures. We appeal to your sense of justice, we want the total amount of our money back as is the usual conduct in the US, we did not give cause for the fraud, it was the bank 's security system that allowed the theft. This is a correct claim, if the fraud is proven and recognized, including because part of the money was returned to us, it is imperative to apply the criterion for the entire amount stolen from our account.
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| 03/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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On XX/XX/XXXX, I filed a complaint with First Citizens Bank on the CFPB website. The Companys responded on XX/XX/XXXX. There are still a number of questions and discrepancies arising from the First Citizens response. I was advised by the Consumer Financial Protection Bureau that the proper way to handle this situation was to file a new complaint to re-address the outstanding issues.
In its XX/XX/XXXX response, First Citizens admits it is currently reporting two tradelines to the credit bureaus for the same loan ; however, First Citizens is also reporting these tradelines as two separate loans. Since both of these loans contain very negative comments, my credit score is being severely penalized twice, which Im sure First Citizens would agree is unfair. Is there any reason why First Citizens can not combine these tradelines into one loan with a comment that the loan was transferred from their South Carolina branch to their North Carolina branch? Unless the two tradelines are combined into one loan and reported as such, I would appreciate it if First Citizen would explain their position.
In First Citizens XX/XX/XXXX response, they state they believe the information being reported to the credit bureaus is accurate, with the exception of the balance outstanding. I find it hard to understand as to how First Citizens could possibly reach this conclusion. There are a number of clearly contradictory statements being reported by First Citizens to the credit bureaus. Using the XX/XX/XXXX XXXX Credit report as a reference ( pertinent pages attached ), I cite the following errors - ( 1 ) First Citizens is reporting the Date of Last Payment as XX/XX/XXXX in one section and XX/XX/XXXX in another ; ( 2 ) First Citizens is reporting the Balance Due is {$38000.00} in one section and {$35000.00} in another ; ( 3 ) First Citizens is likewise reporting the Past Due Balance as {$38000.00} in one section and {$35000.00} in another ; ( 4 ) First Citizen is reporting the loan Date Closed as XX/XX/XXXX, even though First Citizens, in their own letter ofXX/XX/XXXX, clearly acknowledges the loan is still open, but being reported under two tradelines. ( 5 ) First Citizen is reporting all monthly Account Histories with Status Codes L, which means Charge Off, while, in another section, First Citizens is reporting that payments of {$130.00} per month were made fromXX/XX/XXXX thru XX/XX/XXXX ; ( 6 ) First Citizen is reporting no monthly Account Histories for XX/XX/XXXX thru XX/XX/XXXX andXX/XX/XXXX thru XX/XX/XXXX, when there was clearly activity ( per First Citizens monthly Statements of Account ), which show a {$130.00} payment in each and every month ; ( 7 ) First Citizen is reporting the loan was charged off as recently as XX/XX/XXXX in one of the Account Histories and XX/XX/XXXXin the other Account History, whereas the last negative activity occurred back inXX/XX/XXXX ( over six years ago! ).
I am confused why First Citizens does not refer to the agreement executed on XX/XX/XXXXas a Loan Modification and continues to report the loan as a Charge-off to the credit bureaus. On my original XX/XX/XXXX complaint, I attached a copy of the XX/XX/XXXXletter received from First Citizens own attorney informing me, that under the South Carolina Supreme Court orderXX/XX/XXXX, I had the right to be considered for Foreclosure Intervention which included a loan modification. Is First Citizen saying that their attorney was incorrect in their offer? I also attached with myXX/XX/XXXX CFPB claim, a copy of my XX/XX/XXXX request to First Citizen for a Loan Modification. Is First Citizen saying they did not receive this letter? Subsequently, I received a phone call from a First Citizen employee to discuss a modification to the loan. Is First Citizen saying this phone call was not in response to my letter? As a result of that phone call, I agreed with the First Citizens employee to a modification of the original loan terms. Is First Citizen saying that their employee did not refer to this agreement as a modification but something else? I would appreciate it if First Citizen would explain their position on this point, if they continue to insist this XX/XX/XXXX agreement was not a Loan modification.
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| 02/12/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Here 's the complaint I sent to First Citizens Bank. They have done this to me before. They totally ignore overdraft protection and steal money from me. I'm done with this theft on their part : I have been a customer of First Citizens for nearly 30 years, and I have highly dissatisfied at First Citizens for an action on their part which falls under the heading of Unfair Trade Practices. And, if the situation is not rectified to my satisfaction, I will file a complaint with the Federal Trade Commission detailing my grievance concerning this matter.
I have been charged an " Over Draft Fee '' when I should not have been charged such a fee according to the agreement with First Citizens bank. The overdraft protection in question prevented any charges to my account which would result in an overdraft charge and would hold any payments until sufficient funds were deposited in said account. This has been in place for upwards of 10 years and my bank statements prove the application of this practice. This overdraft protection was applied by the branch manager at the XXXX, North Carolina branch many years ago. In other words, I have absolute proof that this particular overdraft protection has been in place, as arranged by the branch manager, for several years.
Here 's where the problem really begins and which should be a matter of concern to First Citizens Bank on any number of levels : At XXXX XXXX this evening, I called First Citizens Bank 's Customer Service Center to complain about what was done. The person I spoke with claimed I had " denied '' overdraft protection at some unknown time in the past. This is false. Overdraft protection was arranged with the branch manager and has been applied in practice for the past several years as per the said agreement. Again, my bank statements show this to be true.
Then, said person said that if I did not pay the fee and filed an complaint with the federal government concerning this unfair practice First Citizens Bank would " retroactively '' charge me with all the fees they chose not to charge me. I consider this a threat and an act of intimidation.
I will contact my branch of the bank to ask them to correct this matter and failing rectification of the matter, I fully intend to file civil suit for the {$36.00} overdraft fee and any consequential fees the bank intends to wrongly and unlawfully apply. It will cost me {$50.00} dollars to file a complaint in small claims court, but at this point, it's a matter of principle considering the other untowardly things First Citizens Bank has recently tried to pull on me ( which largely involves delaying the posting of cash deposits and delaying the deposits of checks drawn on First Citizens Bank for immediate deposit another First Citizens Bank account beyond what is reasonable, meaning several days. It is reasonable to assume that a check drawn of First Citizens Bank to be transferred from one account to another would be determined to be a good check and be deposited in a reasonable amount of time, not four or more days thus causing a potential overdraft situation in a deliberate fashion in a way that violates actual overdraft protections in place as demonstrated and proved by bank statements.
If a bank manager, acting as a duly constituted agent of said bank acting on behalf bank, extended overdraft protection and I accepted such an arrangement in good faith, and such arrangement has been applied in practice, even in contradiction of bank policy, that is not my problem. It is the bank 's problem and the bank should oblige to said agreement made by their agent. And I expect it to be applied to my account.
{$36.00} dollars isn't much to a big bank, but it's a lot of money for me, especially when a bank tries to wring it out of me in violation of an overdraft agreement extended by an agent of that bank and applied by the bank consistently for the past several years.
You may contact me by email or by phone at ( XXXX ) XXXX any time you wish concerning this matter, but I will be filing complaints with the FTC and in civil court by noon tomorrow if the bank branch can not correct this violation of trust and fair trade.
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| 08/25/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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CIT bank accepted deposits from a separate, external business bank account, held in my name and business name. When I later attempted to wire funds out of the CIT account on XXXX XXXX, 2023, I received no indication of any " review '' status related to my account and instead, received a confirmation for the wire transfer request at XXXX cst. However, CIT placed my account " under review '' on XXXX XXXX, 2023. I was not informed by phone, call, or other means of this review. In fact, I did not receive any other communications from CIT between the account opening on XX/XX/2023 and XXXX XXXX, 2023 except for a Congratulations email and marketing emails. On XXXX XXXX, I only received confirmation of my password change and confirmation of the wire request. The only other communication I have received during that time is another marketing email on XXXX XXXX, the date " XXXX '' confirms as the review placement, related to the APY rate on CIT 's CD product. The wire recipient informed me that the wire had not completed yet on XXXX XXXX, 2023. When I attempted to verify the status of the wire transfer, I was prevented from logging into the account and attempted to reset the password ; it was only after a failed password reset that the CIT website displayed a notification that the account had been " locked by an administrator ''. I initiated contact with CIT bank and it was only then that I was informed by " XXXX '' that the account had been placed under review on XXXX XXXX and that all of my access, including to any past records, had been restricted. XXXX also refused to provide any information related to the status of the wire transfer. I had to request that XXXX transfer me multiple times to a supervisor before he complied with that request insisting that there was " nothing he could do '' and I should expect a response to the review in 3-5 days. I was finally transferred to " XXXX '' who said she was a supervisor and explained that the account was placed under review because the name on my external linked account did not match the name on my CIT account. This is a misrepresentation by XXXX ( i.e. lie ) because the names did not match when the account was opened and when funds were deposited from that external account to CIT ( both accounts contain my individual name and the external account also contains my business name ). This was true when the account was opened and when funds were deposited to CIT throughout XXXX and XXXX. My account was only placed " under review '' when I attempted to withdraw funds. XXXX or XXXX also lied about the time frame for a response ; XXXX provided a time frame of 30-90 days and threatened me with account closure stating that " maybe they will mail me a check for the funds ''. She did not specify which funds or a total and she refused to answer any questions related to the balance, the wire transfer status, or the interest earned to date. XXXX then offered the option to expedite the request for an explanation, citing a response time of 1-5 days, but refused to provide anything in writing. She provided a confirmation number for the expedited review but refused to provide any notice to me in writing related to the " review '' or any other account information.
On XXXX XXXX, 2023, I called CIT because I had not received any explanation. I spoke with " XXXX '', who claimed to speak to a superior, and informed me that XXXX noted in my file that she had informed me of 30-90 days. I asked for the superiors name and XXXX told me it was XXXX who informed him of this falsehood. I corrected XXXX and told him that XXXX told me an expedited request had been made ( and she had provided me with a confirmation number of that request ). He said, Okay, well technically its only been four days and Monday will be the fifth day. These people are misrepresenting facts. This bank is unlawfully withholding funds. Their reasoning for the review is flawed b/c the name difference existed when they accepted funds for deposit and they provided no notice that it would be an issue until, and only when, I attempted a withdrawal. This is a clear red flag of a scam.
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| 08/31/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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My concerns regards to First Citizens bank, are the unprofessional employee, charge bank fees, and communicate skills between corporate employees and local employees. I open my business account with branch local on XXXX XXXX XXXX in XXXX XXXX, SC but I do use the branch on XXXX XXXX XXXX XXXX XXXX to do banking business. My concerns were that I know I had the service if money is not in the account the bank could not charge me. I was told by XXXX ; only apply to my card not the account. I was shocked because the card is access to same as the account. I explain that it must be mistake because before this bank merge with another bank it were not like this. XXXX gives me some documents, on the documents stated about fees and rates charger started in XXXX XXXX and I open my account in XXXX XXXX, XXXX. I was not aware of any new or update charge from the bank, and what does that has do with my account. I explain that I has plan if no money in the account, the bank can not charge me.
XXXX explains that my account is currently closed, as of XXXX XXXX, XXXX and I need to make arrangement with collection agent about my debts that I owe to the bank. If any deposits were made to this account after the closing of account it would be send back to the sender. I wanted that statement in writing is what I request from XXXX. XXXX got on her office phone and made call, then turn to me and stated that she could not provide me with that in writing. So I call corporate office number of First Citizen bank on my phone and put on speaker phone with recording on. The lady explain to me " XXXX XXXX, I see that your account is closed and I assure you if any deposit come to this account it will be send back to sender. '' I did record the information for my record because again the employee at local branch lies. XXXX asked me for my phone and I told her no, used your office phone. Then I was walking out the office, XXXX wanted to follow me, I turnaround and told her if you follow me, we are in the state of South Carolina and I am XXXX XXXX woman you do the math of this situation. So she went to XXXX the branch manager office.
2. XXXX is the branch manager on XXXX XXXX in XXXX, SC XXXX XXXX, my concern with her is that she told me it okay for me to leave my vehicle in their park in lot. I came back to get my vehicle and it were gone. I called the local police and report my vehicle stolen. The officer told me the vehicle is not stolen it impound per the bank manager named XXXX. The officer told me to contract the branch and asked why she gives me permission to leave the vehicle there then had it tow. If get situation resolved then contract a lawyer for legal matter. When I contract XXXX, we talk about the vehicle and her words are " so what your vehicle got towing, it is not her responsible. '' I report this situation to corporate office.
3. I wanted to make a deposit to my account and the check stated " called authorized numbers to get authorize code for this check. '' It was XXXX check that truck drivers used to get advance money, or whatever the driver wanted to use it for. The teller deposit the check, but the bank report on my account as lost or stolen and charge me fee. I went back to branch and talk with teller about this transaction. So I was told that the check would be return to me and bring back to bank so we can deposit it correctly. I never got the check, but the bank but still charge fee of {$35.00}. This happen at the branch near interstate XXXX on north XXXX XXXX in XXXX, SC the check were write for amount of {$100.00}.
4.I wanted to resolve my banking concerns with the bank before the bank wanted to close on my account. Every time I called the branch, XXXX would hanged up the phone after I explain that I do n't wanted to talk to her but another employee.
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| 03/19/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American, Servicemember |
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My checking with First Citizens is a mess and a joke!
Checking XXXX We have several billionaires that were submitted into the bank over the last several months unfortunately the employees for the bank are either an incompetent or don't know what they're doing anytime you get help you get routed to a foreign country I have well over {$3000.00} and product the purchase that was never received and they completely do absolutely nothing within their billing dispute section of first Citizens Bank.
Below are just a few charges that should of been credit back 12 weeks ago but First Citizens Bank does nothing and are keeping mine money!
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Type : Debit What is truly amazing after talking to the customer service department for first Citizens Bank they refer it to the billing dispute section and nobody gets back to nobody calls you there are no verification of transactions placed on the account and the misconduct and abuse by this bank is absolutely quite frankly mind boggling they ought to be shut down and sanctioned for some of the worst customer service I've ever seen in my entire life it's quite frankly disgusting!!!!!!!!!!
i only have one email which does not do a thing to fix any issues!
Account Inquiries XX/XX/XXXX - XXXX XXXX Dear XXXX XXXX, Thank you for your message. We appreciate the opportunity to respond to your inquiry. Updates are provided with in XXXX business days and are sent via this communication channel, in writig or vis phone call. We do not send updates to personal emails.
If you need further assistance, please do not hesitate to send us a message or call us toll free at XXXX XXXX ( XXXX ). You can also contact us internationally at XXXX. Our representatives are available Monday - Friday XXXX to XXXX EST, XXXX XXXX XXXX XXXXXXXX to XXXX EST. Thank you for contacting First Citizens Bank. We appreciate your business.
Sincerely, XXXX Customer Support Specialist See Credit card holder sufficiently alleged that she was at risk of concrete and particularized harm, as required to satisfy injury in fact requirement for Article III standing, from bank 's alleged noncompliance with TILA requirement that consumers be notified that certain consumer rights pertain only to disputed credit card purchases not yet paid in full and that consumers dissatisfied with a credit card purchase must contact the creditor in writing or electronically ; given that the disclosure requirements served to protect a consumer 's concrete interest in avoiding the uninformed use of credit, holder was not required to allege any additional harm beyond procedural violations, and holder sought to vindicate interests particular to her rather than the public at large. Strubel v. Comenity Bank, C.A.2 ( N.Y. ) 2016, 842 F.3d 181.
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| 09/28/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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I am submitting this complaint on behalf our XXXX XXXX XXXX ) XXXX non-profit organization. We have XXXX checking accounts with First Citizens Bank for more than ten years.
Recently we found XXXX fraudulent checks being cleared through XXXX of our account in the amount of {$270.00} and {$280.00} on XXXX/XXXX/2016 and XXXX/XXXX/2016, respectively. See the attached check images. Other than the account number, none of the name, address, phone number or signature matches our organization 's record. It is a clear and irresponsible mistake for First Citizens Bank to allow such fake checks to clear out of its customers ' account. We requested First Citizens for a full refund and launched a serious investigation on the case but we are denied. The XXXX transactions have been passed the 60 days limit according to its internal policy which we are not aware of.
We do have reasons why we had not discovered the fraud checks earlier : 1 ) We are a small non-profit organization and we usually make deposits and write checks XXXX or XXXX times a year when we have our XXXX annual events. In fact, we have NEVER written any check from this particular checking account ( XXXX ). We never even ordered check books for this checking account.
2 ) We do online banking without paper statements. In XXXX 2016 when I tried to login online using the same user name and password, I could not get in. I later walked into the branch office Bank ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) for help and they advised me to call the online support hotline.
3 ) When I called for help, they could not authenticate me. They said my name is not on the user list and actually I have been the treasurer and managed this account for several years. I asked the XXXX person in our organization who was originally opened the account to call the help hotline. The bank could not authenticate her either. So none of us have access to online banking. Since we do not have any transaction for a few months, we did not get a chance to handle the situation.
4 ) Last Monday XXXX/XXXX/2016 after all of the frustrations, I wanted to straighten out the issue or close the accounts, so I walked into the above branch office. At that point, bank rep XXXX XXXX XXXX XXXX # XXXX XXXX and XXXX XXXX managed to restore my online access and I found out fraudulent transactions immediately.
We believe First Citizens Bank should take full responsibility for the following reasons.
1. It is unbelievable that First Citizens Bank allows a fake check with totally irrelevant ( 1 ) name, ( 2 ) address, ( 3 ) phone #, and ( 4 ) signature clear out of our checking account. If just an account number can get money out of our account, how can we trust the bank?
2. The rep at First Citizens Bank states that they clear checks by account number only and would never check name, address and signature. They rely on customers to watch and safeguard their bank account transactions. It is a shock to us. In this way even a bank employee can easily make a fraud check. For an organization like us, 60 days limit can easily pass without notice.
3. We had a lot of troubles to get online access. First Citizens Bank claims that they will restore the paper statement if we do not login online for an extended period of time. Actually we have never received any paper statement. They never initiate any phone call either. Our phone numbers are in their file.
We are asking regulators to launch an investigation on First Citizens Bank on its practices in dealing with customer information and check clearing procedure. We are asking public to help us too. Our goal is to get refund from First Citizens for our losses.
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| 03/17/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Hello, I have been dealing with this issue for months now to the point of absolute frustration. I would like the assistance of the Federal Government in this matter. This is a dispute of a debt supposedly owed to First Citizens Bank and Trust Company. This was an attempt to validate this debt and the documents where not provided. This also deals with the threat to sue me.
The first letter was received on XX/XX/XXXX from XXXX XXXX. It was dated XX/XX/XXXX but was not sent until XX/XX/XXXX. The letter overall purports to provide me an opportunity to request validation ( although the author says verification, which is not accurate ) the supposed debt within 30 days of receiving the letter. However, at the end, he says that this is the last communication before litigation is pursued. This did not seem to be a true attempted at providing a fair opportunity to request a validation. Nonetheless, I did request the validation when 30 days of receiving the letter.
On XX/XX/XXXX, the attorney was sent a letter, enclosed, requesting a debt validation, including : 1 ) what the money you I owe is for, 2 ) explain and show me how you calculated what you say I owe, 3 ) provide me with copies of any papers that show I agreed to pay what you say I owe, 4 ) identify the original creditor, 5 ) provide the statute of limitations, 6 ) show me that you are licensed to collect in my state, and 7 ) provide me with your license number and registered agent information.
Additionally, when in receipt of proper documentation, I requested at least 30 days to investigate that information when received. This was sent in an attempt to obtain documents to validate the debt and investigate this matter. This request was sent within 30 days of receiving the letter from the attorney. I also stated that if proper documentation was not received, then any reference to the account must be deleted and removed from my file and proof would need to be provided.
On XX/XX/XXXX, I received a partial response to my request with the attorney suggesting that I should have statement, when he in fact should have provided all documents evidencing the debt validation. He did not validate the debt as requested. Instead, I received a recounting of what is supposed to be a validation of the debt and not the documents requested from First Citizens Bank. Instead, a partial purported agreement and some monthly statements were included, which in no way assist with determine the amount, if any, would be owed. This was not what was requested and there was a failure to validate the debt.
On XX/XX/XXXX, I received a threatening and false letter from the attorney. First, the letter states that I have not responded to prior letters. This is false because the letter sent in XXXX was in response to his letter received in XXXX. There is tracking provided. The XX/XX/XXXX letter also provides a different amount ( {$11000.00}. ) than what was mentioned in the XX/XX/XXXX letter. ( {$9700.00} ). Furthermore, this leads me to believe that First Citizens attorney is attempting to add fees in circumvention of law when this purported debt was disputed in my letter received by him on XX/XX/XXXX. This rings of dishonesty and a violation of law. This letter also threatens further action, taken as a threat of a lawsuit when validation was not provided. This is beyond illegal and against public policy when it comes to the deals of financial institutions and the public.
This process has been frustrating to say the least. I do look forward to assistance from the CFPB and/or other applicable Federal agencies. Thank you.
XXXX XXXX
|
| 12/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
RE : First Citizens Bank, Questionable application of Principal payments In XX/XX/XXXX the car dealership initiated a loan on our behalf through First Citizens Bank.
First Citizens Bank mailed a coupon book, which clearly specifies the following : If you wish to obtain information about the account, including the amount due, past payments, transaction activity and partial payments, or for error resolution call First Citizens bank at XXXX or write to XXXX XXXX XXXX, XXXX, NC XXXX.
We were informed multiple times that First Citizens Bank restricts access to online account information to ONLY those loan holders who also have a First Citizen Bank account, so we were unable to verify the payments being made.
Payments are being made at a local branch location. Additional principal payments have been made with each monthly payment, but we had no way to verify that those payments were being properly processed. Sometimes two separate receipts were received, one for the regular monthly payment, and one for the additional principal payment. Other times just one receipt was received, and supposedly the principal payment had been applied. According to the branch tellers, they are unable to supply a printed transaction history.
We had zero confidence in the proper processing of these payments.
Starting in XXXX of XXXX, multiple requests were made by calling First Citizens bank at XXXX to receive a transaction record of payments made, it was not until XX/XX/XXXX, when we informed them that a formal complaint would be made to your agency, that we finally received the requested payment record ; along with access to review the account online and make online payments.
The requested transaction history confirmed my suspicions ; payments were not being properly processed.
On XX/XX/XXXX, I spoke with the XXXX branch manager, XXXX XXXX, at XXXX, and expressed my concerns regarding the Principal payments not being properly processed. He reviewed the account and indicated that even though the payments were not made as specified, applying the additional Principal payments monthly, that the outstanding balance was still accurate I do not believe his assessment.
I also questioned XXXX XXXX regarding the inability to specify additional Principal payment amounts when making payments online at https : //www.firstcitizens.com. His response was that I could notify him when additional principal payments were made online, and that he would make sure the payments were properly processed.
A {$1000.00} payment was made online on XX/XX/XXXX, and an email sent to XXXX XXXX on that same day requesting that the full {$1000.00} payment be applied directly to Principal.
A follow up phone call was made to XXXX XXXX on XX/XX/XXXX to ensure that he had received my email. He indicated that he had received the email and would address the request.
As of today, XX/XX/XXXX, the payment was never applied directly to the Principal, but was instead applied as a regular monthly payment.
The combination of XXXX XXXX Bank initially refusing to supply the requested detail payment history, and also refusing to supply online access ; coupled with the inability to specify Principal payments when making online payments, leads me to believe that XXXX XXXX Bank is intentionally and deliberately trying to hinder its customers from accelerating the pay down on their loans in an attempt to generate additional interest payments for itself.
We respectfully request that you look into this matter regarding XXXX XXXX Bank.
Thank you in advance for your attention and assistance in this matter.
|
| 11/11/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Hi my name is XXXX XXXX and I am the XXXX last year I made a decision to expand my company by raising Capital to create jobs to increase tax revenue and also to expand my company operation because of the financial heads failure to implement policy I faced discrimination and ignorance at every local branch that I went to this was a systemic discrimination matter as a conduit issue in accordance with irs publication XXXX every company has a right to pledge securities to the state treasury. Why am i not being afforded the ability to pledge these securities? From XXXX XXXX to XXXX XXXX XXXX to XXXX XXXX to First Citizens Bank to XXXX XXXX XXXX to XXXX XXXX to XXXX I faced the same or one of my agents face the same discrimination. This discrimination has created a boilerplate environment and some of the largest cities across XXXX XXXX XXXX XXXX released an article stating that XXXX companies account for 53 % of the corporate bond market and I believed that these numbers reflect the Discrimination that is being experienced all across this nation causing law-abiding regular citizens to make irrational decisions that could lead to them infringing on the law. Why would Banks create a artificial situation that will perpetuate crime because money is necessary in order for us to exist. The chief counsel of the IRS released private letter ruling as well as technical advice memorandum to let Society know that this was a feasible way of financing business deals. We are all so taught in business school that when a company is Raising Capital that they must issue revenue bonds for the capital that they are raising. Why are the banks not complying with business principles fundamental business principles as well as IRS regulations and Federal and State statues that outline this as a feasible way of financing growth creating jobs and increasing tax revenue. This could be viewed as a XXXX threat as us senator XXXX hinted to in recent capitol hill hearings.
Here is the statute on the pledge. XXXX ( empasis on ( XXXX ) XXXX ) also following statute is XXXX ( XXXX hearing where this systematic issue is discussed ) as well as supplemental links to bond buyer articles talking about this form of finance vehicle.
in the state of North Carolina it is required that all tax credit Securities be placed at a financial institution and forward it over to the state treasurer for deposit I went into the banks to assert that right and they would not allow for the deposit to be processed the reason for it is they did not understand the nature of the transaction I then got instructions from the North Carolina Banking commissioner he then instructed me of the steps necessary in order to make that deposit I followed those instructions and still was met with the same rejection I am stuck with a debt schedule of XXXX dollars that I must meet with the Internal Revenue Service but because of the interference with this tax credit security I am not able to make those payments so it 's interfering with my tax records also this matter has been addressed by US Senate Senator XXXX what this is is the improper collateralization of public deposit. Here is a link to that hearing on XXXX. go to the XXXX mark on video and play to the XXXX mark.
XXXX The cheif counsel of the irs has released private letter rulings and technical advice memorandums to stop this for of fraud. The link to those publications are here.
XXXX
|
| 11/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
XXXX at XXXX our employee attempted to enable XXXX with our company account through the First Citizens Bank website-online portal and received an error message to contact Customer Service. She emailed our bank representative at the local branch who responded the following day with a Customer Service number for her to call. She did and the Customer Service representative alerted her : " there was an update that unlinked all First Citizens customer phone numbers to XXXX '' and proceeded to connect her cell phone to the account to enable XXXX.
XXXX at XXXX our employee received a text from First Citizens Bank to verify a XXXX transfer. After checking with two other employees, she responded at XXXX that the XXXX transfer was unauthorized.
XXXX at XXXX she received a response that a representative would contact her shortly.
XXXX at XXXX she received a call with the Caller ID First Citzn Bnk XXXX ( XXXX ) XXXX -- the actual Customer Service number for First Citizens Bank .
From there the employee was convinced this was a First Citizens Customer Service representative and proceeded to give access information to the account the XXXX feature had been enabled for on XXXX.
XXXX our employee contacted our bank representative and found there were multiple ACHs totaling {$100000.00} attempting to be sent from the account and reported them as fraudulent. The bank said they would not stop the funds from leaving the account and she would have to request a fraud case from their fraud department.
She did so and this was assigned to XXXX XXXX. She also went to the XXXX Police Department the same day and filed a report, including uploading all evidence to the link provided by the Police Department.
XXXX XXXX was emailed, called and nudged for two weeks and finally responded with : " My investigation has been concluded. The decision has been made to deny the claim for the 2 ACH payments. First Citizens Bank will not be providing reimbursement. '' It is important to note that XXXX would not respond concerning the likely breach of First Citizens Bank client information on XXXX and any information as to where the {$100000.00} went. The detective working on the case at the XXXX Police Department attempting to get information from the bank reported to our XXXX XXXX that the bank was being subpoenaed as they refused to provide the required information for the police investigation to proceed.
It seems very incorrect that the information as to what happened on XXXX is being ignored and " swept under the carpet. '' Almost certainly there was a security breach in client information with First Citizens Bank which resulted in the scammers knowing the phone numbers associated with our company account. It is also not understandable why the bank would refuse to stop the transfer of the ACH when it was reported the same morning and why the bank would refuse to impart necessary information to the police, unless the bank is attempting to hide the fact that there was a security breach.
Any assistance in investigating this Financial Institution further would be highly appreciated. We would not want someone else to fall victim of similar circumstances and through a bank that offers no help, compassion, information or assistance and refuses to take any responsibility for the fraudulent activity that occurred and the highly likely security breach of their confidential client information.
|
| 10/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
On XX/XX/XXXX I visited the First Citizens XXXX on XXXX XXXX XXXX, XXXX, NC to cash a check that I received from an employer. I have a checking account and a credit card through First Citizens as well, however, this is not my primary bank. I went up to the counter and the teller, who I recognized from a previous visit while she was training, assisted me with the check cashing where I requested to have all cash back. The teller counted the funds and put them in a white money envelope. This is standard for me- it's what I always have them do. I have never, as long as I've visited this branch, take the money out and count or verify anything as I just watched the teller do this. I planned to take the money to XXXX XXXX XXXX to deposit there and never got around to it until Monday, XX/XX/XXXX as I had to coordinate this time with my wife as we also had to deposit a tax refund check and we needed to be there together to do this. The bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX that XXXX of the {$100.00} bills were counterfeit and you could clearly see that they were as they both had the word " COPY '' printed on them. The teller ran the bills through a machine and also marked the bills with a pen and said that if they were real the line would turn yellow, but it stayed XXXX. I never took the money out of the envelope from the time I received it on XXXX until we went to XXXX XXXX XXXX on XX/XX/XXXX so I can with 100 % certainty say that I received these counterfeit bills from First Citizens. I asked the teller at XXXX what could be done and they informed me that they would need keep the bills but could provide us with a photocopy of them to show First Citizens. The teller then called her manager over and explained what happened and she said she would return the bills to us under the guise that we went back to First Citizens and reported it to them. I returned back to First Citizens and spoke with the manager, XXXX, and explained to her what had happened and at first she was very dismissive and really was not interested in hearing what I was saying. I completely understand that it did look suspect given that I was originally in there on XXXX, but I could with 100 % certainty say that the counterfeit bills came from her branch. I asked her to review the security camera on the teller that helped me, but she was not helpful at all and just said that there was nothing that could be done and that it's the customers responsibility to check the money before leaving a bank. In all of my years of banking I have never thought to check for counterfeit bills from a bank. Ever. They have the training, technology and every day practice to be able to spot counterfeit bills as the employee at XXXX did so very quickly. There was no empathy or willingness to help from XXXX until she asked me for my ID and pulled up my account and saw that I do have an account there with a decent balance as well as a credit and then at that point she said she would escalate it to her operations manager and call me back. Later that day she did call me back and informed me that her operations manager said nothing could be done. So I am out of {$200.00} on the fault of a bank for passing along counterfeit bills to a customer.
|
| 03/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I went through a divorce several years ago. Thereupon, I had no idea of the existing mutual debt my x-husband and I had with with First Citizens Bank in XXXX, XXXX. I received no calls, notices, etc. All of the aforementioned went to my x-husband. Subsequently, he closed his account at First Citizens, and started banking elsewhere. Unbeknownst to me my SSN was still attached to this debt. Therefore, First Citizens cleaned out my personal bank account. At this point in time, I was a single mother with XXXX daughters, and unemployed. I finally secured a job in XXXX XXXX and have been working on my finances ever since. XX/XX/XXXX I went to First Citizens to make right on my outstanding debt. Soon after, the XXXX flood hit us here in XXXX. Our area was dramatically affected. Thereafter, it took months for me to finally re-connect with my contact at First Citizens. When we connected, XXXX XXXX ( bank manager for the XXXX XXXX branch ) informed me she was switching branches. I had banked at the XXXX XXXX XXXX branch of First Citizens for over 15 years. I went to XXXX XXXX, who had helped me in the past. She was aware of my situation and was extremely helpful. Trying to decode all of this was unbelievably confusing. After many phone calls, office visits, and more phone calls XXXX was able to help me decipher who I needed to pay and the dollar amount I needed to pay. I paid the first debt of {$750.00}, which was tied to my personal checking account, XX/XX/XXXX. The {$750.00} amount was paid to XXXX ( XXXX XXXX XXXX ). I received a letter from them dated XXXX/XXXX/XXXX ( which is attached ) showing the account had been paid in full and had a XXXX balance. I then wrote a check for {$620.00} on XXXX/XXXX/XXXX to First Citizens for the XXXX amount owed. This amount was tied to the line of credit for overdraft protection.Finally I was able to get a letter from First Citizens stating the account had been paid in full ( document attached ). To date the {$750.00} amount is still showing on my XXXX credit report ( to my knowledge it is not still on XXXX or XXXX ) and the {$600.00} amount is still showing on all XXXX credit reports ( XXXX, XXXX and XXXX ). I realize that it can take up to 60 days for credit reports to update. However, I did my due diligence early this year in the hope it would be reflected on my credit report by XX/XX/XXXX. I have spoken with Al at the First Citizens Bank headquarters in XXXX. Per XXXX, he just received the notifications of the XXXX balance for my accounts. There has been a lag time of 30+ days from when I paid off the amount and from when it was sent to the bank headquarters for updating. It is imperative that I have this cleared up by XXXX XXXX. If not, I will forfeit a house I have a contract on, as well as, {$5000.00}. My children and I have moved so much over the years. It is so very important to me to able to finally own my own house ; a place my girls can really call " home ''. The only response I get from the bank is it takes up to 60 days to reflect on your credit. No one will help me. Your immediate attention to this is very much appreciated, as well as, very much needed! Thank you for your help. - XXXX XXXX
|
| 03/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Complaint RE : Bank : XXXX XXXX Bank, XXXX NC, Service Operations XXXX XXXX XX/XX/2023 XXXX AM : I received an email from XXXX XXXX XXXX stating I have successfully registered for XXXX through First Citizens Bank XXXX Which I did not do. I immediately drove to First Citizens Bank regarding this matter.
XX/XX/2023 XXXX AM : I received another email from First Citizen Bank, stating Alert : Problem with account. Contact customer support immediately. We are unable to verify your identity regarding a zelle account. ( which I did not set up ). Per First Citizens Bank email sent to me a person named XXXX XXXX was attempting to deposit fraudulent 2 XXXX payroll checks into my checking account, which by the way I do not work for XXXX. I spoke with a banker in person/ XXXX XXXX who in front me stated she was calling the fraud department to dispute this fraudulent check/zelle account issue. I answered & gave information to get disputed ( in the bank at least an hour ). XXXX XXXX stated an investigation would be launched regarding this issue. Meanwhile I asked since my account has been comprised, I would like a new checking/debit card. She stated she could not do that, she put my account on hold with my funds that was in the account from my payroll, etc. Also my online banking credentials were disabled when I got to the bank, so I could not see the fraudulent checks from XXXX that was trying to go into my account. XXXX XXXX refused to reset my online login credentials after she disabled them. I went to another First Citizen Bank location & opened a new checking account/debit card due to my current checking account had been comprised fraudulently. I stayed in contact with XXXX XXXX regarding updates with the investigation, cause I wanted to file a police report regarding this XXXX XXXX person who had compromised my bank account.
On XX/XX/2023. I personally contacted the First Citizens Bank fraud department & explained the situation. I was told by the representative on the phone that XXXX XXXX did not file a dispute with the fraud department regarding the aboved mentioned matter. So I filed a dispute over the phone regarding the same matter, was given a case ID #, stated someone from the XXXX office will be contacting in 1-2 business days, which I haven't heard from, but will continue to reach out for updates. Also the over phone representative reset my login credentials so I would be able to see transactions regarding my checking account. After hanging up, I immediately logged into my online banking account with success and saw both checking accounts the one with the fraudulent XXXX information which is now being officially investigated appropriately. Meanwhile while reviewing my new checking account, I saw a transaction where XXXX XXXX has fraudulently signed my signature on a withdrawl slip & withdrew {$700.00} out of my new checking account. I immediately contacted the fraud department once again, the information was reviewed & discussed and this is also being disputed & investigated. So when the fraudulent person is the bank manager/supervisor its not safe to utilize banks at this point.
XXXX XXXX
|
| 12/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Thank CIT Bank for the letter they replied on XXXX XX/XX/XXXX. The reference case number Consumer Financial Protection Bureau XXXX XXXX XXXX.
I read the letter CIT bank replied on XXXX XX/XX/XXXX. I have some different opinions, I had tried to contact them at this phone number show on the letter, but the result is the waiting time over XXXX hour or the line just dropped. I can not ever contact to CIT Bank through this phone line. That is why I write this letter to CFPB, again.
I have had use XXXXXXXX XXXX bill pay service since year XXXX. I am used to make online payment to my XXXX monthly assessment fee. It is always successful and no worry at all.
Base on the letter you sent on XXXX, you stated there is a possibility the check was mis routed or sent to an incorrect XXXX XXXX XXXX this could be a postal service error. I do not agree your statement. In a year, that adds up to more than XXXX XXXX mail items sent through the XXXX. The most of that mail will arrive safely to its intended destination.
According to the letter on XXXX from the investigation of the XXXX XXXX, my bill payment for {$280.00} that was sent on XX/XX/XXXX. This payment was sent as a paper check, and it had an expected delivery date by XX/XX/XXXX. Paper checks can be lost by mail, or returned, due to different circumstances. In this instance, the check was returned to the XXXX XXXX and not cashed. ( See attachment XXXX ). So, it means the Check was not lost by XXXX. A very small fraction of XXXX XXXX of the checks are missing. There are three-tenths of XXXX percent, the checks are lost or stolen, according to the Treasury Department XXXX On the other hand, there is a possibility that the check had been delivered to your XXXX XXXX XXXX your employees pick it up from XXXX XXXX XXXX but lost or something happened can not expected on the way to your bank, or due to your mailbox was full and XXXX stopped delivering mail to your XXXX XXXX XXXX so the mail need to return to the sender.
I contacted XXXX XXXX XXXX XXXX a few times to explain this situation. XXXX XXXX XXXX XXXX keep saying they did not receive the payment and enforce the late fee {$28.00} and interest {$2.00} to me. This unfairness had made my wallet pocket get worse and worse. XXXX XXXX XXXX XXXX take advantage of this to threat the resident and neighborhood not in good faith to the community.
I believe what I stated on the above let you understand the situation is unjustness. I am going to ask CFPB to help me, please. Because this situation is unfairness. The CIT bank should take this responsibility to make a correction. The payment check had been sent out. But XXXX XXXX XXXX XXXX keep saying they did not receive the payment and enforce the late fee {$28.00} and interest {$2.00}, the total {$63.00} to my XXXX account ( See attachment XXXX ). Can you believe that the {$63.00} I can feed my family with XXXX days meals. Could you CFPB please make CIT Bank to take this responsibility. This is an unfair situation. The XXXX wont give me a break, they enforce the late fee and interest to me, you know the inflation make our life tough than ever before.
|
| 09/29/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
In XXXX XXXX I purchased a commercial property and XXXX was the lender on the promissory note in which the commercial property was used for collateral. I made my payments faithfully and was never late. On XXXX XXXX, XXXX I got an on demand letter from First Citizens Bank, from a XXXX XXXX who was a Senior Vice President of First Citizens Bank out of the North Carolina office, prior to receipt of this letter all my business was done with the local banker in XXXX XXXX, FL. On receipt of this letter I immediately called my banker, he indicated to be that he no longer could help me " because the big guys upstairs took this over and wanted this note to end ''. I tried to deal with the above mentioned party to no avail. I was told that the full note was due and that if I could not pay, then I needed to consider selling the property. First Citizens Bank bought out XXXX in XXXX. I was doing fine with that bank until XXXX. After I received the letter and it was clear that I was not going to get any help or relief from the on demand payment call, I reluctantly entered into a short sale contract in XXXX of XXXX. At this point I had paid into this property timely, timely, for 13 years!! In XXXX of XXXX the same XXXX XXXX from First Citizens Bank accepted an offer to sell the property for a proposed price of {$340000.00} leaving me approx. {$240000.00} short of paying off the note. The property then sold. At this point I was still current on all payment through XXXX of XXXX. I do not understand why I had to sell the property for which I had never been late paying on. I pride myself on my family values of paying what is owed on time always. So now the property is gone and on XXXX XXXX, XXXX a year after the property was gone I received a Summons and a Complaint was filed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in and for XXXX XXXX, Florida. The Plaintiff First Citizens Bank and Trust Co, as survivor by merger with XXXX, f/k/a XXXX, filed suit against me, the Defendant in an action for damages in the amount of {$240000.00}. At that point I was like " What!! '' the property is gone by duress, I feel that they forced my hand in selling the property, and now over a year later I am getting sued? I did not know what to do, so an answer with affirmative defenses and counterclaim was filed with the same court stated above. What good does it do to answer back, the property is wrongfully gone, they want $ XXXX they will not negotiate and they will issue a XXXX and I will be hit by income taxes that I will not be able to pay. Now it should be noted that the property that was pried from my hands unlawfully, ( it is proven that they did not even own the note, as the note was improperly executed in the merger ) is able to be sold for XXXX - in less than 2 years, if the above mentioned bank would have allowed me to continue to pay ( as I did faithfully for 13 years ), I would of still have the property and their interest would of continued to have been protected as it had been for 13 years, now they want a default judgement on me. How can this be legal, it is certainly not fair, nor just.
|
| 08/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Subject : Complaint Regarding Unauthorized Charges and Unsatisfactory Handling by First Citizens Bank Fraud Department Dear Sir/Madam, I am writing to formally lodge a complaint regarding an unauthorized charge that was debited from my business chequing account, XXXX XXXX XXXX XXXX XXXX held with First Citizens Bank XXXX The incident in question occurred on XX/XX/2023, when my account was charged {$130.00} by XXXX XXXX membership. This charge was not authorized by me, leading me to take prompt action to rectify the situation.
I immediately contacted First Citizens Bank 's Fraud Department to report the unauthorized charge and seek assistance. Concurrently, I reached out to XXXX to address the issue. I am pleased to inform you that XXXX promptly responded by refunding the unauthorized charge back to my account, recognizing the irregularity in the transaction.
However, to my dismay, a few months later, First Citizens Bank initiated a chargeback of the refunded {$130.00} from my account. This action left me perplexed and dissatisfied, prompting me to contact XXXX once again. Subsequently, XXXX provided confirmation through an email that the {$130.00} charge was erroneously imposed on another customer 's account and was in no way authorized by me. I have attached a copy of this email for your reference.
In light of this new evidence, I immediately reported the updated information to First Citizens Bank 's Fraud Department. Regrettably, despite my continued efforts, I have yet to receive a satisfactory response or resolution from their end. This unfortunate situation has persisted for two weeks without any signs of progress. To compound matters, when I contacted the bank, I was informed that my second fraud dispute was declined on the basis that I had already filed a dispute for the same case previously.
I find this response to be not only disappointing but also unacceptable. I believe that the bank 's handling of this matter has been unprofessional and unsatisfactory, causing undue stress and financial inconvenience on my part. It is disheartening to experience such a lack of responsiveness, especially when my financial well-being is at stake.
I hereby formally request that First Citizens Bank revisits and reevaluates this case with a fair and unbiased perspective. The evidence I have provided, including the email from XXXX confirming the unauthorized charge, should be sufficient to justify a reconsideration of their initial decision to decline my dispute. I kindly request that the {$130.00} be refunded to my account, as was originally confirmed by XXXX, without any further delay.
I trust that you will treat this matter with the urgency and seriousness it deserves. I hope for a swift and satisfactory resolution that will restore my confidence in First Citizens Bank 's commitment to its customers. Please acknowledge receipt of this complaint and inform me of the steps being taken to address my concerns.
Thank you for your prompt attention to this matter. I look forward to a favorable resolution.
SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I went through a divorce several years ago. Thereupon, I had no idea of the existing mutual debt my x-husband and I had with with First Citizens Bank in XXXX, XXXX. I received no calls, notices, etc. All of the aforementioned went to my x-husband. Subsequently, he closed his account at First Citizens, and started banking elsewhere. Unbeknownst to me my SSN was still attached to this debt. Therefore, First Citizens cleaned out my personal bank account. At this point in time, I was a single mother with XXXX daughters, and unemployed. I finally secured a job in XXXX XXXX and have been working on my finances ever since. XX/XX/XXXX I went to First Citizens to make right on my outstanding debt. Soon after, the XXXX flood hit us here in XXXX. Our area was dramatically affected. Thereafter, it took months for me to finally re-connect with my contact at First Citizens. When we connected, XXXX XXXX ( bank manager for the XXXX XXXX branch ) informed me she was switching branches. I had banked at the XXXX XXXX XXXX branch of First Citizens for over 15 years. I went to XXXX XXXX, who had helped me in the past. She was aware of my situation and was extremely helpful. Trying to decode all of this out was very confusing. After many phone calls, office visits, and more phone calls XXXX was able to help me decipher who I needed to pay and the dollar amount I needed to pay. I paid the first debt of {$750.00}, which was tied to my personal checking account, XX/XX/XXXX. The {$750.00} amount was paid to XXXX ( XXXX XXXX XXXX ). I received a letter from them dated XXXX/XXXX/XXXX showing the account had been paid in full and had a XXXX balance. I then wrote a check for {$620.00} on XXXX/XXXX/XXXX to First Citizens for the second amount owed. This amount was tied to the line of credit for overdraft protection.To date the {$750.00} amount is still showing on my XXXX credit report ( to my knowledge it is not still on XXXX or XXXX ) and the {$600.00} amount is still shooing on all XXXX credit reports ( XXXX, XXXX and XXXX ). I realize that it can take up to 60 days for credit reports to update. However, I did my due diligence early this year in the hope it would be reflected on my credit report by XX/XX/XXXX. I have spoken with Al at the First Citizens Bank headquarters in XXXX. Per XXXX, he just received the notifications of the XXXX balance for my accounts. There has been over a 30 day lag time from when I paid off the amount and from when it was sent to the bank headquarters for updating. It is imperative that I have this cleared up by XXXX XXXX. If not, I will forfeit a house I have a contract on, as well as, {$5000.00}. My children and I have moved so much over the years. It is so very important to me to able to finally own my own house ; a place my girls can really call " home ''. The only response I get from the bank is it takes up to 60 days to reflect on your credit. No one will help me. Your immediate attention to this is very much appreciated, as well as, very much needed! Thank you for your help. - XXXX XXXX
|
| 06/30/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I opened a new account with CIT Bank due to the posted good interest rates for savings accounts and XXXX mos CDs. I went to the website ( after speaking with a representative on the phone to get some questions answered and add'l details ), to open an account with starting balance of {$25000.00} which was to be withdrawn, XXXX TIME, from my XXXX XXXX account XXXX I completed the online form at which point received info that it could take up to 3 days to validate my XXXX accounts and to look for XXXX small deposits. Once those XXXX small deposits were validated, they'd open the account.
I checked my XXXX account AND CIT Bank account daily. After a few days, I saw the small deposits and w/drawls to the XXXX account, followed the link to CIT Bank and validated the amounts. At that time, the CIT Bank account showed NO PENDING transactions and my new account balance was {$0.00}. The CIT website AND phone app, showed no $ $ at all scheduled to be coming in or going out. So wanting to fund the new account with {$25000.00} I entered that amount since my XXXX account was now validated.
On XX/XX/XXXX I saw the $ XXXX leave my XXXX account and post to the CIT Bank account. No problem. Today, XX/XX/XXXX, I logged into XXXX and noticed that I'm overdrawn a little more than {$23000.00} whereas the prior day AFTER the $ XXXX was transferred, I had a couple XXXX remaining in the account. After speaking with XXXX, learned that CIT Bank withdrew ANOTHER {$25000.00} on XX/XX/XXXX which caused the overdraft. [ Fortunately I have sufficient funds in other XXXX accounts to cover the shortfall but that's not the point of this matter ].
I called CIT Bank who informs me that it's my fault b/c after I validated my XXXX account, I entered another $ XXXX to be transferred. After several minutes of arguing with them on the matter I gave up. Their online system is GREATLY flawed as there was NO EVIDENCE on either my app or their website that they had even processed the initial $ XXXX or that it was pending or in-process. To the contrary, their sites showed NO ACTIVITY on my account and clicked every single link associated with my account available at that point. Further CIT informs me that once a transfer has started, they can not stop it ( which is garbage especially since I saw this the same day they did this ). CIT goes on to say that I can't do anything ( recoup ) with the XXXX $ XXXX until at least XX/XX/XXXX. I've called XXXX who has initiated a stop payment and while it's not guaranteed to be successful, at least, if they are successful in stopping that XXXX transfer, the funds will be back in my WF account where they belong.
This is a cautionary story to all to be careful of being lured in by a high interest rate. I'm in the XXXX XXXX and not stupid when it comes to tech and finance. CIT Bank 's website/app and practices are questionable in this regard and I ask the CFPB to further investigate. Thank you
|
| 09/07/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
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Web |
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1. On XX/XX/XXXX a Business Equity Line Note Was Obtained by me and my X wife, ( co-owners of the property and the business- XXXX XXXX XXXX XXXX ). The amount was XXXX k. Payments have been made since then jointly until XX/XX/XXXX. By that time the couple has been through an unfortunate divorce divorce.One spouse violated court orders to sign documents to modify the loan and the foreclosure was avoided at a high physical, mental and financial costs. The two however continues to own the property and to this day the joint ownership has not changed. Those documents are available by the bank, me and the attorneys 's involved.One spouse has continued to make payments to the bank even after the divorce and despite the other spouse 's completed disregards, until XXXX, XXXX. The Covid Crisis complicated the process.
Now the bank and her agent has taken off the forbearance responsibility from the spouse who willfully disregarded the laws andand now the bank has put the entire responsibility on the law abiding spouse. The bank and her agents knowingly have manipulated the process, making false statements under oath and has been involved in a variety of tricks and tactics to cause enormous damages to that spouse. These are a few of them : 1.Has charged an astronomically high price as foreclosure expense ( XXXX K ) for a property worth XXXX k.
2. Falsified facts about the clinic 's activities ( unused as opposed to being used ).
3. Damaged vs improvements ( being made and would have been completed by now ).
4. Illegal scamming scheme to get lump some in the amount XXXX k for legal expenses alone and XXXX lien to the bank with fake and damaging explanations and really no explanations9by the Banks attorney ) 5. The Banks attorney made utterly false statements ( please review court transcripts ) in the XXXX XXXX and using illegal tricks I was not allowed to present any evidence.
There seems to be an organized crime with more individuals involved.
Now I have been asked not to file any complain and being threatened and harassed Had I not been a bit watchful I could have lost all my lif 's savings.
Right now I am working as a XXXX to help the displaced children and families at a federal facility and want to continue to serve as such as I can.
Given an opportunity I have numerous documents to make my case. I am uploading a few documents as samples of their inconsistencies. The scam letter of the attorney of the bank Mr. XXXX XXXX where apparently he did his act without authorization will give glimpses now. I have made a report to the police department.
XXXX. As a XXXX I am not very good with the uploading of the documents etc. I may have to send documents via mail, which I will do as soon as possible. Please guide me so that we can go to the bottom of the issues so that I get a fair settlement and others benefit from the process too.
|
| 07/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
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I am writing to complain about the unethical sales practice of this financial institution.
I opened my account when it was Onewest Bank with the banker, XXXX, at the XXXX branch to help with her deposit goal a couple years ago. During account opening, I asked if there would be fees on the account and she told me not to worry about it. I never received bank statements for this account and thought she would take good care of my account. Last XX/XX/XXXX, I thought of using the remaining funds in this account for property tax payment.
Since I lost my access to online banking after the merger, I called Customer service to try resetting my online banking. There was a system issue and the person on the phone was not able to reset online banking for me. Instead, he provided me the account number and routing number so I can use the account for ACH payments. I confirmed with him that my account would be fine/no fee after the tax payment of {$10000.00}.
After several months, I decided to use the account for a card payment on XX/XX/XXXX. To verify if the payment applied, I called customer service again on XX/XX/XXXX. The representative helped me reset online banking and I noticed there are multiple XXXX XXXX/monthly charge on my account since XX/XX/XXXX. After an hour of research by the phone representative, she finally found out the charges are costed by the balance requirement. She agrees that the charges are not ethical and should be taken care of but unfortunately, she has no access to service this account as Trust account must be handled by the local branch.
Since the XXXX branch is closed after the merger, I went to the XXXX Branch and spoke to the bank representative. She mentioned that there is no authority limit to credit these fees and sincerely apologize for the how unethically the banker setup the account. She spoke to the branch manager and suggested me to send her an email regarding the complain. I sent her the email regarding the fees on XX/XX/XXXX and I thought someone would handle it. I waited over a month and decided to go to the branch and close out the account today.
These fees should never occurred if my online banking does not have issue due to the merger and how I did not have access to my account since the merger occurred. When I called customer service, I would expect he would be knowledgeable to explain the account requirements/possibly down grade my account so these {$300.00} in fees would not happen. The local branch should be handling the complain and escalation since XX/XX/XXXX but no one at this bank cherish a client relationship but opening account unethically to meet their goals. I am super disappointed how First Citizen Bank handles legacy OneWest Bank account and glad that I would never do business with this bank.
|
| 12/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
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Web |
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I opened a checking and savings account with First Citizens Bank, and when I opened the accounts, there was a promotional offer offering a bonus if I fulfilled certain requirements. I opened the account on XX/XX/XXXX.
Looking back on my notes, here are the requirements : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account # 1 - I did 11 debit card transactions within 90 days of account opening # 2 - I did enroll in eStatements # 3 - I did open a new savings account.
My notes say that the bank will provide the {$300.00} bonus within 120 days of meeting the requirements. The requirements were fulfilled on XX/XX/XXXX, so 120 days later should be around XX/XX/XXXX give or take.
I sent a message thru the online banking portal on XX/XX/XXXX since I still have not received the sign up bonus.
" Hello, I hope whoever is reading this is doing well and enjoys their XXXX. I'm messaging you regarding my checking account. When I signed up, there was a bonus offer if I signed up for {$300.00}. I've had my account for a few months now ( and I like it, I'm also using the savings account which comes straight from my paycheck ), but I don't think I ever got the sign up bonus. Can you look into that? Thank you! '' I received a response later that day on XX/XX/XXXX stating : " Dear XXXX XXXX, Thank you for your message. We appreciate the opportunity to respond to your inquiry. Our promotions department is currently reviewing accounts opened during this promotion. Unfortunately, we do not have a time frame on when the credit will be applied to your account.
If you need further assistance, please do not hesitate to send us a message or call us toll free at XXXX XXXX ( XXXX ). You can also contact us internationally at XXXX. Our representatives are available Monday through Sunday between the hours of XXXX and XXXX XXXX. Thank you for contacting First Citizens Bank. We appreciate your business.
Sincerely, NAME Customer Support Specialist '' Which was very confusing as I've met the requirements on XX/XX/XXXX, 120 days later should be around XX/XX/XXXX, and I messaged in on XX/XX/XXXX, so they definitely should have had enough time to review my account, so I called into their phone line on XX/XX/XXXX.
After reviewing my request, the customer service representative said I did not qualify for the bonus.
However, based on the notes I have from when I originally signed up for the bonus back in XXXX, it appears that I have indeed met all the requirements and I should be eligible for the bonus.
|
| 08/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
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Web |
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On Friday, XX/XX/XXXX, I went to First Citizens Bank in XXXX XXXX, TN, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX. I requested to speak with XXXX XXXX due to the fact that I had dealt with him previously about trying to open an account for my XXXX in XX/XX/XXXX. I actually should have went off the outcome of that interaction because I was told they had to have a SSN to open an account, which a SSN is unlawful to ask for, however, I went ahead and went back because I was looking to open a personal account this time and the interaction wasn't all bad. On Friday XX/XX/XXXX, I went to XXXX again. We chatted, I asked several questions about the account and the services offered. He advised it would be {$50.00} to open the account. I agreed and told him I'd be back once I had the {$50.00}. We actually were laughing and joking as I was on my way out the door. Monday, XX/XX/XXXX, I went back to open the account and asked for XXXX again. Before I could even sit down, he tells me they could not open an account. I asked why and he claims that he spoke with his 'higher ups ' and they concluded they are choosing not to open an account for me. I'm pressing the issue because XXXX is talking in codes and not trying to say what the actual issue is. As I keep pressing because I tell him I'm not satisfied with what he is telling me, he says because of the issue with me trying to open an account for my Trust in XX/XX/XXXX and the complaint that was made because of it ( I never made a complaint which I should have ) and the questions that I was asking him about opening a personal account, the bank made the decision not to open it based on those factors. I asked what the questions being asked had to do with anything. XXXX proceeds to give me a bogus answer about " things that have been happening at the banks within the region ''. I asked him what things and he continued to give cryptic answers. I tried to get an understanding before I left as to what the real reason was for him not opening an account and I left confused with no answer. I don't know what XXXX thought I was trying to do with my account with the questions I was asking but, I was just trying to open an account because I didn't have one at the time. I feel completely discriminated against and don't know why I was treated in that way. My sister was with me and she gave him some things to read the Friday we were there and he did say based off of the federal laws he read, part of the decision was based on that. I was denied my right to conduct business for personal, family, and household purposes. I feel totally discriminated against by XXXX XXXX and First Citizens as a whole and I want answers as to why I was turned away.
|
| 10/29/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
For much of XXXX and XXXX, I paid my $ 8500 monthly rent to my landlady, XXXX XXXX, via XXXX, in XXXX payments of {$3500.00}, {$3500.00}, and {$1500.00} ( {$3500.00} is XXXX 's limit per transaction for any XXXX period ). On XX/XX/XXXX, my second payment of {$3500.00} went through, and I have XXXX digital proofs of payment, including a text message from XXXX saying that she had received it ( see attachments ). Then, a few days later, she wrote to tell me that her bank ( OneWest ) had been taken over during that same weekend by First Citizens Bank ( see the bank 's letter of XX/XX/XXXX ), and that First Citizens had blocked that XXXX transaction, but that they would be reverting the {$3500.00} to me. I had XXXX three-way conversations with a representative of First Citizens and XXXX between XX/XX/XXXX and XX/XX/XXXX. In the first, the representative said it was returning my money to my XXXX XXXX XXXX account via an ACH, and that money would reach my account in XXXX business days. In the second, the representative insisted that the issue was out of First Citizens hands, and that I should have the XXXX XXXX XXXX " open an investigation '' into the affair. Following that, I learned from XXXX that First Citizens insisted that the {$3500.00} should have automatically bounced back to the XXXX XXXX XXXX ( see XX/XX/XXXX text message ).
On XX/XX/XXXX, XXXX XXXX, the attorney I had originally engaged for this case, provided me with her transcript of a phone conversation she had with XXXX XXXX XXXX, a representative of First Citizens Bank ( see attachment ). According to XXXX XXXX, the {$3500.00} would be refunded into XXXX XXXX account and that she will need to pay you back. ( XXXX has constantly maintained that the amount has never been credited to her account. ). However, XXXX XXXX also told my lawyer that XXXX informed the bank that they would actually refund you the money within XXXX business days because they regarded it as a XXXX reject since the money was not received. However, the bank found out later that XXXX did not do this.
On XX/XX/XXXX, I filed a request with the XXXX XXXX XXXX to recover the {$3500.00}. The XXXX XXXX XXXX representative with whom I filed the request told me that the bank would open the case within XXXX days, and provide me with a resolution in the 45 days that followed. Those XXXX phases of the banks investigation are documented in the attached notices, the last of which, dated XX/XX/XXXX, denied my claim for reimbursement of the {$3500.00} lost between it and First Citizens Bank on XX/XX/XXXX. I am therefore requesting assistance from the CFPB for the return of the {$3500.00}.
|
| 01/17/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
First Citizens Bank Opened checking and savings accounts on XX/XX/2018 online. Not at a branch office.
Issue : Regulation D charges to a savings account XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$90.00} XX/XX/XXXX - {$670.00} On XX/XX/XXXX I went and talked with a Service Rep at the First Citizens XXXX NC branch. I told her what had happened and she looked up my account to verify the charges. She then informed me that I was using my savings account improperly and suggested opening a second checking account to do the same thing with it that I was using my savings account for. She said she would look into the charges and see if she could do anything about reversing some of them. She called me on XX/XX/XXXX and said that there was nothing she could do because the account was created online and not at her branch. So she gave me a # XXXX to call online customer service.
XX/XX/XXXX I called the online customer service and talked with a rep. They said the fees were required by the government and they could not refund them but did say they would give me {$100.00} back as a goodwill gift.
I never received any calls or emails telling me of the fees they imposed or that I was using the savings account incorrectly. I do not deny that I was transferring multiple transactions out of my savings account. I was doing this to budget my payments from my paycheck which I had direct deposited into my savings account. There was never a large amount in the savings account, I probably never had over {$2000.00}. If I did it was just for a few days after my check was deposited until I moved the money to my checking account or a payment was drafted. I was just trying to budget bill payments from my paycheck for my house, car, student loan, utilities and other monthly payments. I did not realize that I could not use my savings account in this way. I probably did received the fine print regulations for checking and savings accounts and the restrictions on savings accounts may have been listed there. But it was never made a point of concern and I was never notified after any of the fees were debited from my account.
I would like to see if I can get all of these fees returned.
I did look up some information on the Regulation D and it states that Regulation D requires a depository institution to comply in one of two ways : either ( 1 ) prevent transactions in excess of the limit or ( 2 ) adopt procedures to monitor excess transfers on an ex post basis and contact a customer who exceeds the limits more than occasionally.
I never received any notification from First Citizens letting me know I was violating these Regulation D guidelines.
|
| 01/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On the night of XX/XX/2023 customer XXXX XXXX attempted to make a cash withdraw at the XXXX XXXX XXXX ATM close to his home. Customer inserted his card, entered the appropriate PIN, and followed the ATM prompts in an attempt to withdraw {$500.00} dollars for an upcoming trip to visit his parents. During this first transaction XXXX XXXX receives a text from his First Citizens XXXX institution stating " Free First Citizens Security Alert : Declined Transaction for card XXXX used at XXXX XXXX XXXX XXXX - XXXX for {$500.00}. Was this you? Reply YES or NO. Reply STOP to XXXX XXXX. '' to which XXXX XXXX responded " Yes ''. XXXX XXXX then received a follow-up message from XXXX XXXX XXXX XXXX No further action is needed. ". XXXX XXXX then circled around the ATM and came back attempting to make a XXXX withdraw. To which was " declined ''. XXXX XXXX then called to attempt to resolve the issue with First Citizens only to be given an automated recording stating the bank is closed and to call back " during normal business hours ''. XXXX XXXX then attempted to use a XXXX debit card linked to his business account which was also " declined ''. XXXX XXXX attempted to change the amount to $ XXXX {$200.00} both of which were also " declined ''. XXXX XXXX has ample funds in all accounts to far exceed the $ XXXX $ XXXX {$200.00} dollars in which he was attempting to withdraw. Due to this banking business practice ALL of XXXX XXXX 's debit cards tied to this financial institution had been frozen and he was unable to make/use any cards to access his fund. Not only was XXXX XXXX unable to access the {$500.00} he needed/desired but he was also unable to proceed with his trip to his parents due to his accounts being locked and no method in which the customer was able to resolve the issue. This is unacceptable for any banking institution to block a customers access to their own funds. XXXX XXXX has filed a formal complaint with First Citizens bank and will be consulting an attorney to seek legal advice. XXXX XXXX want 's to be very clear that the funds in his account belong to HIM and not the financial institution that he entrust to hold his funds. XXXX XXXX was informed that the ATM withdraw limit was {$500.00} dollars and that the {$3.00} ATM fee ( which is not included in the cash withdrawn ) would put him over the {$500.00} dollar limit allowed. This banking " service fee '' is debited from the customers account and not part of the {$500.00}. SO again, if the cash withdraw limit is {$500.00} dollars then consumers should be allowed to actually withdraw the {$500.00}.
|
| 06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I paid off my auto loan with First Citizens Bank on XX/XX/XXXX. I paid the full amount that I was quoted as the payoff amount. I sent a check the day I called to the address that they gave me on the phone. They processed the payment, sent me a letter stating that it was paid off and sent me the title to the truck. However, they reported the payoff to XXXX as a settlement, not paid in full. This is incorrect and they ackowledged it when I call on XX/XX/XXXX. They said they can't fix it and I need to deal with the credit reporting agency. I reported it to XXXX on XX/XX/XXXX through XXXX XXXX and they refused to change it. I went to my local first citizens branch and spoke to a manager there, her name is XXXX XXXX. She was able to reach out to the corporate office who admitted that they made a mistake and said it would be fixed within ten days. She also emailed me a letter stating that a mistake was made and it would be fixed. I have checked XXXX and the error has not been fixed. It's been over a month since I spoke to XXXX initially and nothing has changed. I called her and she said that it was fixed but not every reporting agency will have it updated. I got a report directly from XXXX today, XX/XX/XXXX and the incorrect information is still there. I took the time to create an account with XXXX to start another dispute and provide them with the letter from XXXX but thier website is experiences technical difficulties and won't allow me to upload the document. I called and the person was barely understandable but I was able to understand that they wanted me to try another browser. I did and the document still won't upload. Therefore, I have no way to dispute this with XXXX. First Citizens is unwilling to help anymore. My scored has dropped XXXX points. Two credit cards have been closed and I got a letter from the credit card company saying that it is because of this delinquent account. I had another credit card company threaten to close my account if I didn't use it. I am in the process of applying for a mortgage and have had to wait until this is clear. Meanwhile the interest rates have skyrocketed since this mistake has been made. First Citizens has damaged my credit in a major way, caused credit card companies to close accounts, and is keeping me from obtaining a mortgage. XXXX will not allow me to dispute the error. I have no where to turn for help. My credit was perfect before this happened. Over XXXX score, no late payments and no accounts with derogatory remarks. I need help fixing this so I can have my credit restored and get a new mortgage.
|
| 03/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
For various reasons I chose to close my First Citizens Business Bank account via mail on XX/XX/2021 in writing. I originally spoke to the home office on the phone about closing the account when I was told that I could not verbally request it and I would have to put it in writing, which I did mail a letter on XX/XX/2021. A few days later, I received the letter back stating that it was not signed by the owner, which is me and so I did sign the letter and place it right back in the mail. In the meantime, the last transaction that took place on the account was a check in the amount of {$410.00} on or around XX/XX/2021 and the debit card, which I had in my possession was placed on my shredder to shred when I received the remaining XXXX from First Citizens by Cashiers Check.
Moving Forward I had not heard anything from FCB on Friday, XX/XX/2021 and still had online access to my account when I noticed suspicious activity of XXXX for XXXX XXXX XXXX, I immediately called the Fraud department at FCB and notified them of the following, ( 1 ) This is not my charge, I have never been in a XXXX XXXX XXXX nor have I ever ordered anything online from them and further more had no need, where I live we have a Sporting Goods store ( locally Owned ) and they could get me anything I needed or wanted. ( 2 ) Anybody that is in the process of closing an account would not wait and place a charge against the account, considering if the bank had accepted my original letter like they should have, the account would have already been closed. ( 30 now this has messed me up in getting my full XXXX back. I knew what I was supposed to get back from FCB. The account was finally closed on or around XX/XX/2021 because I received a Cashiers check in the amount of {$18.00} and not the original XXXX, so I responded with a letter outlining that they need to go ahead and issue my XXXX to me or face a late fee ( s ) and that letter was dated on XX/XX/2021 and so instead of sending me my money, like I am making it up as I go, they mailed a response that they have issued a provisional credit for XXXX and should have resolved within 90 days. Since then I have invoiced them for the funds that I should have already received and instead has put me to more trouble. It is funny to me that they knew good and well I was closing the account and what was funny there had not been activity on the account for two weeks and they went ahead and paid out the fraudulent charge on XX/XX/2021 and only issued a credit on XX/XX/2021, when they should have issued XXXX.
|
| 10/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XXXX/XXXX/XXXX XXXX XXXX XXXX offices were shut down by the Federal Reserve. I then began to withdraw funds from my account because I was unsure of what was going to happen. In XXXX, I made transactions to remove funds to secure them somewhere else. Unbeknownst to me, one of the transactions made on XXXX/XXXX/XXXX was never deducted from the account and was not reported on the statement. The following months of statements that were sent listed a positive balance with no other activity on the account.
On XXXX/XXXX/XXXX I was notified that the account was overdrawn because of a bank error and asked to pay the debt that same day or the account would be closed and reported to XXXX XXXX. I spoke with a rep ( XXXX ) who only wanted payment and did not offer to help me research in any way what was going on. My efforts since then have been trying to understand why it took so long to be notified and why I am being punished for the bank 's error. My account has been charged off, I have been reported to XXXX XXXX as well as the credit bureau and the bank has failed to admit any responsibility. In addition, the original amount is now being inflated to ongoing overdraft charges of {$37.00} each month. The bank made the error initially and should have offered the opportunity for resolution before any negative activity took place, which now results in my financial accounts being impacted.
If the bank determines there is an error on your account, what is the timeframe for reporting it to the consumer? No one has the answer, but according to FDIC website ....
" If the bank determines there is an error on your account, it must correct the error within one business day after confirming it and report the results to you within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ). '' This does not necessarily specify bank errors, so I am unclear as to the manner in which I should proceed with regards to timely error reporting. The bank is unwilling to discuss or agree to removing these charges or giving me a satisfactory arrangement that is fair. I do not feel as though 4-5 months should have passed before this information was presented to me without any regards for mediation.
From the initial contact on XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I have spoken with the following : XXXX ( team lead ), XXXX ( Retention ), XXXX ( customer service ), XXXX ( Supervisor ), XXXX ( Escalation department ) at XXXX, XXXX, XXXX
|
| 04/03/2017 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
My VISA debit card ( issued by First Citizens Bank ( FCB ) aka First Citizens BankShares , Inc. was used to process XXXX separate fraudulent transactions for a total of {$410.00} on XX/XX/2017. My name is XXXX and my FCB acct is : XXXX.
FCB ( or their fraud detection agent ) called me early that evening asking if I approved the charges which I emphatically did NOT and in fact requested that they " freeze '' the account. I called First Citizens ' Customer Care early the very next morning and disputed ( all 14 unauthorized charges from the prior day ). The FCB Customer Care Supervisor " XXXX '' said FCB would reverse the charges but for me to check my XX/XX/XXXX statement to confirm ; if not, to call FCB back so they could " manually remove them ''. All XXXX fraudulent charges appeared on my XX/XX/XXXX statement so I called as requested but at that time I was told that in fact I ( not FCB ) would have to follow-up w/ each merchant to dispute the charges. I requested a Form E disputes form for which they had no knowledge so I requested that they open a case w/ their Fraud Dept. I do n't think they did and I received a letter a few weeks later stating simply that there was no bank error thus no charges will be credited. I again called FCB Customer Care to get more detail since my statement did n't even reveal which locations were used to perpetrate the fraud. I still have no more information about this case than appeared on my XX/XX/XXXX bank statement. I also asked them why the EFTA ( Electronic Funds Transfer Act ) did n't apply in this case and none of them had even heard of the law?
FCB 's position now seems to be that I 'm responsible for all XXXX charges since " some '' were made w/ a Chip-only card ( which I ca n't confirm of course as I do n't have sufficient detail from them regarding the transactions ) and that they were made " in my area ''?
Obviously, this is unacceptable especially since I specifically requested an ATM-only card when I opened this checking account and I was misinformed by the XXXX branch who said it would not be functional as an ATM card which turned out to be totally false. In fact, I later learned that I would need to open a " Savers '' account to get an ATM-only card.
This is by far the worst banking experience of my ( XXXX year ) life and I will follow-up w/ the NC AG 's office, then file a small claims action in XXXX County NC if necessary. If all else fails I will do all that I can to ensure that others are aware of this FCB " policy ''!
|
| 11/15/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
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I received a letter that my CD had matured on XX/XX/2023 and that I had 10 days to contact CIT to close it or they would roll it into another CD. I called on XX/XX/2023, but the line kept hanging up. I later logged into my account online on XX/XX/2023, but the function to transfer the funds kept giving me error messages stating this function was not available. I also tried the mobile app and it gave the same error message. So I sent a secure message through my online account via my laptop to CIT stating that I wanted to close my CD and have the money transferred to my XXXX account. I included both my CIT CD and XXXX account numbers and routing numbers. I called on XX/XX/2023 and after the line disconnecting twice, I finally reached a rep named XXXX at about XXXX XXXX. I told XXXX that I wanted to close my CD and transfer my money to my XXXX account that I sent in the secure email. XXXX lied and said that I never sent a secure email. When I told him that I saved a screenshot of it, he put me on hold for 20 minutes. He later came back and said that he could not transfer the funds to my XXXX account because it was missing the routing number. I reminded him I have physical proof of my message and the routing number was there. Then he said that I could only go online and transfer the money back to my XXXX account that I originally transferred the money from to CIT. When I told him that the transfer function only gave an error message both online and via the mobile app, he told me that they could not transfer my money to any other accounts. I then demanded that I be sent a paper check and verified my address of XXXX XXXX XXXX, XXXX, NC XXXX. This is the mailing address CIT has on file for me. XXXX said he would close my account and mail me a paper check in 7-10 business days. But when I asked for written confirmation of my request to close my account and the paper check being sent, he said he could not send me this. I asked for a supervisor and he transferred me to a woman named XXXX. She told me I had a service request number of XXXX. But she also refused to send me written confirmation of my request. I asked if it could be sent through secure message as a reply to my original message and she refused. I tried to login this evening ( now XX/XX/2023 ) and the entire website is down and so is the mobile app with no message about how long it will be down. I just want my {$2000.00} back. I do not want it rolled over into another CD with a low interest rate.
|
| 03/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
On XX/XX/XXXX I submitted my first complaint to First Citizens. While their XX/XX/XXXX response was to credit my account by {$2300.00}, they failed to address numerous other reporting errors. First Citizens letter of XX/XX/XXXX states We believe the remaining information being reported to the credit bureaus is accurate, with the exception of the balance outstanding. I found this statement incredulous. Did anyone at First Citizens even bother to look at what was being reported?
I filed a second compliant on XX/XX/XXXX. While First Citizens has not responded to my second complaint yet, I just received a letter from XXXX stating that First Citizens has deleted their reports from XXXX. As a result of this removal, my Credit Score jumped from XXXX to XXXX. I just checked my credit report with XXXX XXXX who reports that First Citizens has likewise removed their account from their reporting bureau. My Credit Score with XXXX XXXX is now XXXX. I can only assume that First Citizens decided to remove their accounts from these two Credit Reporting Agencies rather than make all the corrections to accurately report my loan with them. I am fine with this approach since it has had the desired effect to fairly reflect my Credit Score.
However, First Citizens did not remove their reports from XXXX. They attempted to make some changes but what they are now reporting is still erroneous and egregious. Some examples ( 1 ) First Citizens reports the loan is closed but, in reality, it is still open. ( 2 ) First Citizens reports payments were not made from XX/XX/XXXX thru XX/XX/XXXX, but their monthly statements show $ XXXX/monthly payments were made in all of those months. ( 3 ) First Citizens reports the loan was charged off but, in truth, it was renegotiated. ( 4 ) First Citizens is reporting two loans, but there is only one. This was acknowledged in their XX/XX/XXXX response to my first complaint. ( 5 ) First Citizens reports 100 % of the loan has been paid off, while in their second report they show 0 %. In truth, approximately 25 % of the original loan has been paid off. ( 6 ) they report that the last payment made was on XX/XX/XXXX instead of XX/XX/XXXX.
My Credit Score with XXXX is XXXX. I am confident that it would be over 800 if First Citizens would accurately report the facts or conversely cease reporting to XXXX, as they did with the other two Credit Bureaus.
I am reattaching all of the documentation which clearly supports all my positions in this matter.
|
| 11/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am unfortunate enough to have my mortgage loan through this terrible firm. My mortgage broker repeatedly failed to correct errors in the paperwork even after I pointed them out. Ultimately we closed on the house. So at closing I paid XXXX dollars, all parties signed documents agreed that all cost were paid and my mortgage would be XXXX $ including escrow. I was so wrong.
Less than a week after closing my insurance agent contacted me to say my homeowners insurance needed to be paid. She said she called the bank and they refused to pay it. Turns out they forgot to include that cost ... ooops. So a week after paying XXXX dollars, I had three days to pay another XXXX. Let me point out I am hearing all of this from the insurance agent, not the bank. In fact I never heard from the bank at all. Like a good human beings I paid the insurance, because it was owed. When it came time to pay my mortgage suddenly I owe XXXX $ a month. The reason is because I have to have escrow because like most regular people, I could n't put down XXXX % and pay all the processing fees. But the whole problem begins because my bankers ca n't count, failed to process information properly and almost caused my insurance to lapse. Yet, they want to be sure the insurance money is there for next year, because that ca n't trust it will be paid. After I called to complain magically a letter shows up from the bank forwarded from my previous address prior to buying a home through them and weeks after all our address changes were processed saying we miscalculated and you got ta pay.
I opened a checking account with First Citizens with sole purpose of paying the mortgage. It is here I encounter more errors on the part of the bank. They could not link the mortgage with my new account because the names did not match. Turns out that I was listed with my last name first on either the account I opened or my mortgage. This means they allowed a XXXX dollar loan to be opened with a name that does n't match my SSN, or they allowed checking accounts to be opened when the name does n't match the SSN. The fact this error can even be made makes me worry people have all kinds of accounts and loans linked to my SSN if they are n't required to at least verify the name matches the SSN. I could go on with more complaints about careless errors that have real impact on people 's lives. I 've only done business with first citizens for one month and already they are the worse company I have ever worked with.
|
| 03/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
XX/XX/2019 A while back, I lost my wallet. It fell from my opened purse. I attempted to cancel my bank card that same night, well before unauthorized withdrawals appeared on my account. However, the office was closed and the automated phone banking line, continued to tell me to call back during office hours. I called as immediately as someone became available. The card was cancelled and the fraud claim was made. It took them 2 months to reverse the charges ( {$200.00} from nearby gas stations ) and release my payrole check, that I trustingly deposited. And another month to reissue my card. A 3 month ordeal. My claim was denied. I was made to go and get a " police report ''. And even after that my claim was denied again!
I had prepared myself with letters and names and addresses of bank upper management personnel to fight my case. But first I decided to take the matter to the branch manager.
After a lengthy discussion which included a claim of discrimination, she said she would get all of the information to the correct person. And that there would be results forthcoming. I am a XXXX original customer.
After that episode, an even more terrible action was taken against me. My business account that I had for 10 years was closed. My account became overdrawn due to overdraft fees. I have been buying XXXX XXXX on line and I noticed a charge that I didn't recognize at the time. I reported it to the bank. I never heard any information regarding the claim after that. I basically believed the bank would halt the overdraft fees till the investigation was completed. They did not. Nor was I ever notified of there decision.
I eventually went back to the back and complained to XXXX XXXX. She called the fraud department and they told her that it was a cash back transaction using a chip and it was denied. This they never informed me of. When she mentioned cash back, I remembered that I was on my way to pay a mechanic. I told her that immediately on hearing it. However, even as I was making regular payments to the negative balance and only one day after the last payment that I made on the amount, my 15 yr. account that I had maintained with XXXX before it was taken over by first citizens, was closed.
She told me to pay the remaining {$19.00} and my account could possibly be reopened, or another one. I put the money, ( {$20.00} ) in the night drop addressed to her. I have not heard back from her.
Enclosures : 3 Thank you XXXX XXXX XXXX Aka XXXX XXXX
|
| 05/18/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
Older American, Servicemember |
|
On XXXX XXXX we had the cfpb on the phone to talk with XXXX XXXX XXXX GA.
She closed are account with no cause!
XXXX XXXX Co XXXX for {$630.00} Fake wirer fee {$16.00} on XXXX XXXX Fake Digital Banking fees with no transaction for {$3.00} on XX/XX/XXXX XXXX XXXX for {$130.00} on XX/XX/XXXX XXXX XXXX {$130.00} on XX/XX/XXXX We have more from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX but bank closed account for no reason XXXX XXXX XXXX XXXX : Closed - Opens at XXXX XXXX Friday XXXX XXXX XXXX XXXX, Georgia XXXX Located next to the XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX NO LAST NAME REFUSED TO RELEASE After several attempts the manager at XXXX GA first Citizens Bank has XXXX and XXXX XXXX comments and discrimination comments about our company and our political beliefs of helping XXXX with XXXX XXXX helping the homeless and the veterans she is in line as a XXXX XXXX XXXX XXXX XXXX
She illegally close the account and made horrible claims about XXXX XXXX being a XXXX XXXX when she's the one that's a XXXX and then she shut the account down and stole over {$3000.00} and left charges on our account that was disputed properly with no evidence of any receipts imprinted the card and she does absolutely nothing under consumer protection rights as a banker she should be arrested and fired or both.
The bank has placed numerous charges on the account that have been placed in dispute because the merchant is out of stock and they refused to credit the account or look into it they keep on stating that we need to contact the merchant directly the laziness of this bank is quite frankly mindboggling and they should be sanctioned the consumer protection Bureau needs to do something to protect the people which they never do let 's see what we can do this time around this is absolutely disgusting On XX/XX/XXXX First Citizen Bank decided to close my account because I filed a complaint with your agency they said since I filed a complaint against our bank we are shutting your account down.
this bank is run by a bunch of corrupt officers that steal money from your account and refuse to investigate valid disputes from the merchant they produced no paperwork they produced no signed signatures no imprint of the cardinal swipe nothing and they said your claim is hereby denied when there was no goods and services rendered.
this bank is worth billions of dollars for a reason they file claims collect the money in a pocket the cash and XXXX the customer.
|
| 04/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
My account ( and wife 's ) was acquired from First Citizens Bank from the bank we originally opened our checking account with, OneWest Bank. It was a checking account slightly above {$10000.00} that was originally opened with no fees and it grew to {$10000.00}. When it was acquired by First Citizens Bank, I received a disclosure of this and was prompted to create a new online account with them. I did so ( in mid XXXX ). Today, upon logging into my account to acquire a possible 1099-INT tax document, I noticed First Citizens Bank started deducting a {$50.00} a month service fee beginning in XXXX and then XXXX and XXXX and pending for XX/XX/XXXX. I immediately called my local branch and spoke to a XXXX at ( XXXX ) XXXX. Amongst many statements, she said she has been fielding complaints from other clients about this and her understanding is First Citizens Bank did not provide a disclosure about these service fees to effected clients. We discussed that my slightly over $ XXXX account was placed by First Citizens Bank into their " XXXX XXXX XXXX '' account, which requires a $ XXXX minimum. When I asked how my account was selected to be placed into an account that requires such a high minimum of nearly five times my checking account 's value, she said OneWest Bank provided First Citizens Bank " bad coded files ''. I said, this is First Citizens Bank 's responsibility. UPDATE AS I'M TYPING THIS ( XX/XX/XXXX ; XXXX ) : Just received a call from Branch Mgr., XXXX XXXX XXXX XXXX ) XXXX. He said they are reversing the fees and placing the account in one that has no fees for a checking account valued at {$5000.00} or more. He said he will do research as to why my account was placed in such a high minimum XXXX XXXX account, and why the $ 50 monthly fees began only this XXXX when my monies were already with First Citizens Bank back in XX/XX/XXXX. He did not have an explanation and did not seem sincere in what he did share. I stated this is very suspicious and that XXXX noted this was not just my account impacted but many other accounts that were transferred from OneWest bank. He replied he would do research, reverse the fees I incurred ( {$150.00} to date ; {$50.00} per XXXX XXXX, XXXX ) and create a checking account where my monies ( approx. {$10000.00} ) would not incur a service fee or minimum penalty. I have lost faith in the First Citizens Bank brand and integrity, especially in light of untrustworthy bank concerns.
|
| 11/20/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
On XX/XX/XXXX we ( my wife and I ) opened a fixed rate second mortgage with First Citizens Bank for an amount of {$67000.00}. The terms were 4.74 % for 15 years. This account has always been in good standing. ( loan request summary attached ) On or about XX/XX/XXXX I called First Citizens Bank to acquire a HELOC for an amount of {$150000.00} for home improvements. On XX/XX/XXXX a representative from First Citizens informed me that they would approve us for {$75000.00} with an adjustable rate of prime minus 0.26 % for a period of 25 years. We accepted those terms and signed the HELOC loan documents on or about XX/XX/XXXX. The closing statement ( attached ) clearly showed that {$15000.00} was paid to me directly and there was {$60000.00} in undisbursed funds.
When I contacted the First Citizens representative for instructions on how to receive the funds, she sent me a screen shot of her computer ( attached ) showing we already had a balance due on the HELOC of {$66000.00}. When I asked her how could that be, she said they paid off the original second loan balance of {$51000.00} with proceeds from the new HELOC.
ON XX/XX/XXXX I sent the email below to First Citizens representative, XXXX XXXX ( XXXX ) XXXX Ext. XXXX Phone " You are going to have to show me something in writing, either from one of your emails, or the on the closing documents that shows that $ 51,000+ of funds from the new heloc were to be paid to First Citizens to pay off the existing 2nd. The Disbursement Request and Authorization form states that {$15000.00} is to me paid directly to me by lenders check ( where is that, I do not have it ) and there is {$60000.00} in undisbursed funds.
There is nothing in the loan docs that shows funds were to be used to pay off the original loan. '' First Citizens Bank did NOT have our permission in written or verbal format to close our original loan from XX/XX/XXXX. At no time did First Citizens Bank verbally or in written format inform us that proceeds from the HELOC would be used to pay off the loan from XX/XX/XXXX We now have virtually no funds for our home improvement project, ( which was already started ) and the fixed rate, 15 year loan, that we were four years into converted to a 25 year loan with an adjustable rate.
First Citizens has not worked in good faith to fix this issue. The best they have offered, verbally, is to write a new loan for {$120000.00} for 25 years at 6.04 %
|
| 09/10/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I had a money market account with First Citizens Bank for over 14 years. This year I decided to move my money to an online account that paid a MUCH higher interest rate.
First Citizens was paying 0.05 %. The online bank was paying 1.85 %. I transfered money from First Citizens to XXXX XXXX in three separate transactions between XX/XX/XXXX and XX/XX/XXXX. XXXX had charged me {$3.00} per image fee so I left {$570.00} in the XXXX account to make sure I didn't close it owing them any money.
I opened my XX/XX/XXXX/XX/XX/XXXX bank statement. On an average balance of over {$31000.00}, they paid me {$1.00} interest. THEN they subtracted {$3.00} for what they called an image fee AND another {$10.00} service fee because my balance was now {$570.00}. This was the straw that broke the camel 's back and I went online and was told could close the account online. This was after bank hours either XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I was told to expect a check in about a week. On or about XX/XX/XXXX I called XXXX XXXX and was told by a male employee ( did not get his name - was a very short XXXX syllable name ) who said the account had been closed and to expect a check soon. I waited about a week and called the bank back. I was told this person no longer handled matters like this. I asked to speak to a bank manager who was no help. I looked online and found the home office - which I called. Again I was told the account had been closed and that the check was on its way. Again - no check. I called the home office again and spoke to XXXX who said the account was just closed on XX/XX/XXXX and the check was mailed on XX/XX/XXXX and that I need to give it 7 to 10 business days to get here. XXXX said the information she gave me came from XXXX. A few days later - not being so trusting anymore - I called the home office again and spoke to XXXX who also said the account was closed on XX/XX/XXXX. Now at last, I was getting the same story twice in a row.
Now - I get my XX/XX/XXXX/XX/XX/XXXX statement. My account is now closed. It was closed before XX/XX/XXXX. There is a copy of a check made out to me in the amount of {$570.00} included in this statement. The date on this check is XX/XX/XXXX But how can this be? I was told the account wasn't closed until XX/XX/XXXX That was 45 days ago. I need your help - someone is giving me the run-around or so it would seem. Thank you for your help in advance.
|
| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I talked with several creditors and most gave me the run around and a couple, a couple of creditors actually said that they're sorry and that they will remove the inquiries and reach out to the bureaus to remove the inquires off of my credit report other creditors are telling me that they don't see anything about me or about my name being used to apply for credit with them but yet these inquires are on my credit report. some creditors are telling me to call the credit bureaus and i told them the credit bureaus are telling me to call the creditors now I'm calling the credit bureaus for a second time and telling them what the creditor are telling me now he credit bureaus are telling me that they cant remove the inquires to call the federal trade commission agency and i called them to tell them what the creditors and the credit bureaus said and the credit bureaus told me they cant remove inquires to call the federal commission agency so I called and they're telling me to call CFPB and now here I am typing this letter on this website, this should no be this difficult, its so easy for some reason for people to breach other people credit and credit reports but so hard for the people who are breached to get their credit and life back and very little to protect us i know some organizations helps us but other play the role but still get a check. I just need some help or do i need a lawyer or what??? this is exhausting.
XXXX XXXX XXXX date of inquiry XX/XX/2022 XXXX, no action taking they told me they don't see me in their system by name nor by SS # and told me to call the credit bureaus.
XXXX XXXX XXXXXXXX date of inquiry XX/XX/2022 XXXX, no action taken, the phone system told me I'm in line and my wait time is 78mins the 78mins past and they called back but I'm still on hold for an additional 49mins and still counting while I'm typing this note.
XXXX XXXX date of inquiry XX/XX/2022 XXXX, XXXX. action taken they were helpful and kind but still check on my status please.
XXXX XXXX Date of inquiry XX/XX/2022 XXXX, Action taken they were nice and helping and said they will reach out to the credit bureau XXXX date of inquiry XX/XX/2022 XXXX, Action taken they were nice and helpful and also said that they will remove the inquiry.
XXXX Date of inquiry XX/XX/2022 XXXX, Action taken they said they will look into the matter that is not enough information for me.
|
| 01/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On or about XXXX of XXXX, through collection calls and XXXX mail , we became aware First Citizens Bank XXXX XXXX ) XXXX they had not received our Mortage payment, acct ending in ( XXXX ). We contacted XXXX bill pay and the check had went out more than XXXX days in advance of the XXXX of the month late date. In a panic, my wife sent another check. We continued to receive collection calls and XXXX continued to allege they had not received the subsequent checks. Long story short, we sent nearly XXXX in checks that were subsequently all found and cashed on the same day by XXXX paying our mortgage up months in advance and overdrawing our account. Our investigation through calls to XXXX employees revealed the checks had been " on a desk '' or " in a mailbox '' and not processed in accordance with policies. The employee apologized to us for the clear error on XXXX part. Fast forward to XXXX, when we are again due to resume payments, and it's happened again. More collection calls, letters, but this time on XXXX of our accounts ( XXXX ) and ( XXXX ). When I insisted with the collection agent that I was not going to do anything until XXXX, and the problem was with XXXX XXXX, the next business day, both payments were posted and back dated to XX/XX/XXXX indicating XXXX had received both of the payments on time and XXXX issued a reversal of fees and payment on its own, indicating again an error in processing in a timely manner. As of XX/XX/XXXX, my account reflects past due again, even though I know the payment was sent via my banks bill pay more than XXXX days ago. This happens month after month. The emotional distress this has caused me and my wife is great. The harassing collection calls and letters, when we know the payments are just sitting on someone's desk is maddening. This seems to be a repeated pattern of behavior culminating in needless stress and harassment of XXXX customers. XXXX has taken no action over XXXX months to resolve the issue of their systemic processing failures. XXXX continues to purposefully victimize its clients knowing the failures are their own and knowing clients have no recourse due to current mortgage rate environment. Thusly, customers are forced to suffer abusive collection practices, even though payments have been sent timely. I request an audit and investigation into the XXXX offices mortgage processing practices
|
| 12/05/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
In XXXX, whilst clearing out the remainder of paperwork of my late husband 's studio, I found a Certificate of Deposit issued for 60 days on XXXX XXXX for {$100000.00} at 9.20 % interest per annum with First-Citizens Bank in XXXX, NC. My husband died on XX/XX/XXXX and his executor closed out our accounts with First-Citizens. Somehow this CD was not found until six years ago. A lawyer representing me took the CD to First-Citizens where he was met with a startling gesture on the part of the bank representative who threw the CD in the rubbish bin declaring that it had no validity due to it's age. The lawyer then appealed to the Senior vice president and Senior counsel of First Citizens Bank who wrote a rather lengthy letter explaining that the bank had required the presentation of the paper certificate to redeem funds in a CD with their bank until XXXX when said bank changed over to a book-entry system. That is all well and good but not applicable as my husband had been dead for two years when they switched over and though he was capable of extraordinary achievments walking into a bank two years after his death isn't one of them. Often times my late husband 's practice was to let a CD " roll over '' until he decided what to do with those particular funds. The legal representative then contacted the NC Treasury who had no evidence that these funds had ever been put into their hands. He then contacted the NC Banking commission who became somewhat irritated that he contacted them often to hear what they had discovered and asked that he not call back and that they would contact him when they had finiished their investigation which should take five years! To date we have heard nothing from them but silence. This past Spring I asked my late husband 's executor to get involved again and his first move was to contact the Banking commission who now claims that they have never heard of this CD or the problems with First Citizens. Surely there must be some organization committed to the consumer!? Perhaps these funds got lost in the shuffle of reorganizing and changing to the book-entry system ; frankly, I am at a loss to know but am conveninced that these funds were never redeemed and that First-Citizens should make good on this investment. I have letters, the CD itself as well as the receipt from First-Citizens. I NEED HELP ; PLEASE.
|
| 12/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
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Currently I have no way of viewing my Checking account online or view my Statements because I have my statements done electronically. I called the ban today to find out why I can not view my checking account online and they referenced XXXX. When I called this number the number referenced XXXX. I have no way of finding out how much the bank actually put me in debt on the XXXX of XXXX due to a bank error in their online banking. This error cause my bills to be paid out double and created an over draft. When I identified the issue I ensured I contacted the bank and emailed the bank. In XXXX 2015 I was identified by the XXXX as a possible target of Identity theft and cyber threat. The day after being notified by my Chain of Command I was a victim of identity theft through XXXX ( Military Credit Card ). This is the card I used to make a transaction to a Company that was hacked. After notification I notified First Citizens Bank to my best abilities without violating any XXXX Policies. They put a freeze on my account, and later I found out after they lifted the freeze that a new account was established and a debit card was issued to the wrong account, and I could no longer use my checks. After this issue was cleared with the bank, I ran into the issue of the double payments. Now I have done my best to reverse all the double payments but now the bank has closed my account and I have no way of seeing any statements or know how much is left to pay. This was a bank error on First Citizens part and I am paying for the bank error. Also transfer fees from bank to bank. I have requested a letter from the bank to myself, for First Citizens to identify the issue that occurred, however they have yet to respond to my request via the internet or online services. I have been diligently trying to correspond via email with First Citizens Bank. The difference that is owed should not exceed about or an estimated XXXX dollars. When I spoke with XXXX the Branch advisor she told me to ignore the letters that were coming in the mail that I would have enough time to adjust reverse payments and also transfer money into the account. I explained that I would no longer be banking with First Citizens Bank because this was a huge error on their part and they did not want write a letter clarifying the issues.
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| 03/11/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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XXXX To XXXX XX/XX/XXXX at XXXX, MD XXXX P : XXXX XXXX, NC XXXX F : XXXX XXXX.
XXXX, Attorney at Law XXXX, NC XXXX Urgent!
RE : Attorney File : XXXX.
Dear XXXX Thank you for your letter. I have no desire not to pay appropriate expenses including legal expenses related to my loans with the First Citizens Bank and Trust Company.
I have been asking XXXX to provide me with the itemized bills from your institution and so far he has refused to do so citing, they are privileged documents.
I have been a loyal customer and have been dealing with this institution for almost 20 years with excellent payment history until the bank changed its policy of renewing the notes and loans every 2 years and suddenly demanded almost XXXX dollars at once because my X spouse refused to sign the documents, even after court orders. This was compounded by XXXX failure to inform my current wife 's requirement to sign the documents either to me or to her beforehand. Once the shock was over and she agreed tosign the documents, XXXX promised to send the documents for our signing but failed to keep his promise, even though my current wife postponed her overseas travel by several days paying penalties to the airlines. Had that been done I did not have to go through XXXX and all these missteps.
I have always cooperated with the bank to the best of my abilities and paying down the notes and loans, since the dust has settled and will continue to do that.
XXXX on the other hand has on many occasions has been inconsistent, arrogant and grossly unprofessional and has played significant roles in these matters. He has never given me credit for consistent cooperations in this matter. Neither has he acknowledged my prior payment history for many many years.For example, he has commented that he would take over my XXXX, that I should go to another bank etc. etc. He even wrote derogatory letters when we both agreed to cancel the credit cards. I can give many other examples.
We think the incidental expenses, home appraisal, legal etc. may be excessive and need clarifications. ( including payments made in these regards ).
Please, do not hesitate to contact me if you have any questions.
Your very truly, XXXX.
CC : XXXX and CEO The First Citizens Bank and Trust Company.
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| 03/29/2023 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Unable to open an account
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Web |
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On XX/XX/XXXX I attempted to open a XXXX XXXX account at CIT Bank ( a division of XXXX XXXX ). I navigated to their website XXXX XXXX XXXX and filled out the required information. I am a US citizen in good standing with all of my other financial institutions.
Upon completing the very basic online form ( where I provided contact information and SSN ) I received the following response : " Unfortunately, we are unable to open an account for you at this time. Thank you for your recent application to CIT Bank. We regret to inform you that after a through review of your application, we have elected not to open a bank account for you at this time. Thank you for considering CIT Bank. '' No explanation for my rejection was given. I called CIT at the number listed on the rejection page, XXXX. After waiting on hold for 15 minutes the system disconnected me. I called back and this time elected to have them return my call when available.
I received a call back from the automated system at XXXX XXXX and was quickly connected to a representative, XXXX XXXX Our call lasted 6 minutes, 46 seconds. Below is the summary of our conversation : -I described the problem and asked why my application for a new account was denied -He looked up my application and successfully found the record of my application -He informed me that it was an " auto generated '' rejection and that there was no way to know why I had been rejected by the system -I questioned him on that and informed him refusal to give a reason was likely a violation of the Equal Credit Opportunity Act ( ECOA ) -He stated that " CIT was a big bank and would never do anything illegal '' -He also stated that " this issue has come up many times before and whenever he has tried to elevate it, all he got from management was the same response '' -He informed me that the auto-rejection was unable to be appealed and no explanation was available.
-He reviewed my application information with me to ensure nothing was entered in error-it was not.
-I asked if I could reapply. He said yes.
-I ended the conversation and informed him of my intent to file a complaint.
-Later in the day on XX/XX/XXXX I filled out the form again and received another rejection from the system with no explanation.
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| 02/15/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/XXXX I left to go out of town in a haste to take care of a widow friend of mine who recently lost her husband then I traveled more to go help a single mom prepare for XXXX. Before, I left I attached my XXXX debit card to my XXXX XXXXXXXX XXXXXXXX XXXX card as preferred method of payment. I did this because I knew that I did not have the funds to cover my trip in XXXX XXXX and did not have time to transfer money. On my trip I got a phone call that I needed to drive back to South Carolina and pick up my cousin from the airport on XXXX day so that we could go see my grandmother who was dying one last time..so I rushed home on XXXX XXXX and left early the next morning to go see my grandmother who passed a few days later. I did not have time to sit down at my computer nor did I see any notifications on my phone. When I did finally get home after my car broke down, which took a few more days to get fixed I saw on line that XXXX XXXX had charged me 12 Insufficient Fund fees and 5 over draft fees. So, I called XXXX to see why? And they told me that when you use your XXXX debit card it charges the BANK that is hooked to the account not the BANK card. So, I payed XXXX the XXXX I owed them. And went to my bank on XX/XX/XXXX to explain why this all happened and hoping they would have understanding especially with all things considered.. and showed them proof of the payment to XXXX. However, they were only willing to credit me XXXX out of XXXX in insufficient fees and overdraft fees.
Despite the hard times Covid 19 brought into my life.. I managed to open two businesses and have been working very hard to manage everything and with the claims that First Citizens helps low to moderate income communities and that I have been a customer for years I was shocked that they did not help me any more than they did. I had one child support check come in XXXX that was applied and with the credit XXXX I still owe them XXXX It has been very hard and this has made it even more difficult.
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Bank was contacted XX/XX/XXXX I do not know the name of the person I spoke with, but it took over a week to get a response, that they would only help me with three charges.
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| 03/19/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Well the bank is first Citizens Bank they said that when I made my deposit that my check didn't clear they said that my account basically was fraudulent they said that the deposit that I made was fraudulent and altered to so basically they put my account on hold and put it on for a frozen account and said that this account will be closed and that I have no funds in this account and not to mention this was early XXXX maybe early XXXX of 2021 so why am I still receiving text alerts why am I still receiving email alerts with a balance of {$4500.00} every single day from the moment they close my account supposedly till now and I'm still receiving these text alerts and I also called and I have it on video where I talk to representative and she basically stated that wherever my text alert is saying where my email alert is saying that is my balance so I had got into it with representative that's actually over the account she's very disrespectful she's very rude and I've tried to talk to other people about my account so I don't have to deal with her but somehow they won't listen just basically want to pass me to her and I don't want to talk to her because she's just disrespectful she's very rude and I don't have time for and I know that my account is still open and I know that my funds are still in that account and somehow she's done it where it's showing that the accounts closed but it's not cuz I'm still receiving a {$4500.00} dollar balance every single day I mean I don't know what else to do and I know that I'm not crazy and I know that their system is not going to generate me a balance every single day with the same exact amount every single day from the moment that this account supposedly has been closed have no record of the was supposedly check that was fraudulent I never received that back but I also have when they Representatives on video where she's stating she's saying that wherever my text alert is saying whatever my email alert is saying that's what's in my balance so why are you saying one thing and why is my I mean I don't know what else to do so can you please help me get this issue resolved because I know I'm not crazy and I need my money out of that account thank you
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| 02/24/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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Several years ago, I established a personal line of credit and credit card along with the checking account with First Citizens Bank. The LOC is also used for overdraft protection. I was urged by the bank and agreed to allow them to set up both the credit card payment and the LOC payment on autopay through my checking account. The checking account is not my primary checking account. I only set it up because the bank required it in order to give me the credit card and LOC.
On XX/XX/2020, FCB attempted to execute the payment for one of the accounts and there were not enough funds to cover it. There were also not enough funds in the LOC to cover it. So they charged me a {$36.00} fee. However, there were enough funds in the LOC to cover the fee though so on XX/XX/XXXX they added {$36.00} to my checking from my LOC and took it. Then they charged me an additional {$36.00} fee on XX/XX/XXXX, added {$48.00} from my LOC, and took an additional {$12.00} fee for the service of adding the money from the LOC. This same set of charges and fees happened again on XX/XX/XXXX and XX/XX/XXXX.
While FCB has all of my accurate contact info, I was not notified by email, text, or phone that any of this was going on. And since it's not my primary account, I didn't discover any of this until today ( XX/XX/XXXX ) when FCB called me because my LOC payment was late. I asked about the fees which total enough to cover the payment that's due with the argument that if they had reached out to me in any way and I had known what was going on, I could have stopped it from happening and preserved enough funds just from fees to make the payment. I asked them to refund the fees. I was told " this is just the way things work and that they had done nothing wrong so since it's not a bank error, they can't refund the money. '' I've been a good customer and always paid on time. I have multiple business accounts with them also and have never had any problems. The coldness with which I was treated was astounding. Especially given the amount of interest I've paid them over the years and the money they make using my business funds essentially for free since transaction accounts pay virtually no interest to the customer.
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| 09/11/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Opening an account
- Unable to open an account
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Web |
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I am in North Carolina identifying site for new center that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. I was referred to a business banker, we spoke and seemed polite, provided link to upload, and then I had an appointment the following Wednesday. I followed up on the Monday prior to ensure no new information needed as I have an urgent RFP I'd like to submit and need new banking for compliance. She stated she would not be meeting with me or opening an account, no details. Also claimed she called me, I had no voicemails until I escalated the matter. I pressed on reasoning why, she just kept stating 'I was a fraud '. I asked repeatedly what specific concerns so I could address, she finally stated due to out of state DL ( I'm evaluating the area to open another site, of course I'm from out of the area - expires in 2030 ) but she refused. I asked to be escalated, following Wednesday the bank manager called to inform me during due diligence they noted the business registration had been dissolved ( I had advised of the clerical error in XXXX and that was already resolved, and had include certificate of good standing with my documents submitted, proactively and included these details in my initial communication. ) But he was the first person to tell me that was 'their ' reason ( although by time banking was being opened, it was resolved, hence certificate of good standing ) and then went on to say, " we wouldn't be a good fit for their 'conservative " bank ''. As a minority business woman, I can only read this one way. I've since found out, this is common practice in this region and why so few women have been successful in their ventures, I also know they have pending internal discrimination case. I would not give them my business, regardless, but someone has to take a stand to balance these scales, as this is one of the known barriers. I've successfully launched many operations in my career, even working for XXXX XXXX at one point, I know what I experienced violated my rights, not every women striving for a better life may be aware. I am filing this complaint so we get to root of these issues and find common ground, as this is humiliating and holding us all back.
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| 07/24/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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For over a decade, my husband and I have been trying to eliminate a predatory HELOC. This predatory HELOC is an adjustable-rate, interest only loan, and over the years payments due have varied from about {$200.00} to over {$700.00} each month. The monthly amount demanded by the current loan servicer, First Citizens Bank, is currently {$590.00} on a balance of about {$31000.00}.
Since the monthly amount due varies ( increases ), it is difficult to budget for this loan and even more difficult to continue making payments.
After falling behind on payments, we appealed to First Citizens Bank for a loan modification. We also tried to enlist the services of a homeowner advocate agency to act on our behalf. First Citizens Bank refused to work with that advocacy agency.
Once we submitted a hardship letter, and over 50 pages of personal financial data, First Citizens Bank made the following offer : A payment of {$590.00} due XX/XX/2019, with payments of {$1000.00} due each month for the next six months.
The terms offered by First Citizens Bank do not help our situation and will actually make our situation worse!
First Citizens Bank argues that because the monthly payment they demand is a relatively small percentage of our household income, we do not qualify for relief from this predatory loan. While our income may be higher than that of some Americans, we, like many Americans, struggle with debt. Although we are nearly XXXX years old, we are still repaying student loan debt. We have several thousand dollars of credit card and personal loan debt. And of course the added debt of this interest-only adjustable-rate HELOC. These debts were NOT incurred through travel or luxury. They are the result of home repairs, car repairs, medical bills, and vet bills. Regarding our home and our standard of living. Our home is falling into disrepair and we have been unable to afford a little getaway type vacation in well over ten years.
In truth, this predatory loan has been for us, a decade-plus nightmare comparable to having a XXXX XXXX. We are simply seeking the peace of mind that we will be able to stay in our home.
Our home is, by far, our single biggest financial asset.
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| 07/08/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I transferred funds from my personal checking to another personal checking on XX/XX/19. This caused my account to become a {$0.00} balance ( not negative ). On my XX/XX/2019 statement, First Citizens stated that I had 30 days to make a deposit to my account or it would be closed. OnXX/XX/19, I transferred {$50.00} from my personal checking to the checking account I transferred from onXX/XX/19. On XX/XX/19, First Citizens closed my account anyways. I contacted customer service first through the phone and they told me which branch closed my account and told me that I would have to speak with the branch. I went to the XXXX Branch because it was closer to my home and spoke with associate XXXX. She stated that my personal checking account was closed because I had not made a deposit since XX/XX/19, I told her that was not true and mention the transfer that I did. She searched for the transaction and stated that she did not find where I had made a transfer. I pulled up my bank statement and showed her where the transfer was perform onXX/XX/19 and she stated that I would need to speak with Mobile Banking to find out where my transferred funds were because the system does not have record of a transfer, which is probably why my account was closed for failure to make a deposit. She printed my statement and gave me the number to Mobile Banking. I called mobile bank and they initially could not find my transferred funds, but after an hour on hold and going back and forth, they found my transferred funds and stated that it would be put back onXX/XX/19, into the account I originally transferred from. I asked the mobile banking rep, why was my account closed when on my statement it says I had 30 days to make a deposit. He stated that 30 days started when I made the transfer on XX/XX/19, I asked him to email me the disclosure or account agreement that stated this, and he stated that it was on the bottom of my statement, I viewed the print off of the statement from the branch, and it does not specify from the transfer date or statement date, but I assumed that since it was on the bottom of theXX/XX/19 statement, that I had 30 days from that statement date.
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| 04/06/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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On XX/XX/2020 I opened a checking account ( ending in XXXX ) and a savings account ( ending in XXXX ) with First Citizens Bank. On XX/XX/2020 I received an email stating XXXX additional accounts were opened and ready to use. XXXX was a checking account ( ending in XXXX ) and a savings account ( ending in XXXX ). First Citizens Bank fraudulently opened this second set of accounts under my name. After informing the bank of this fraud, a Customer Support Specialist by the name of XXXX stated : " Thank you for your message. We appreciate the opportunity to respond to your inquiry. Our records indicate that a total of XXXX accounts were opened in the month of XXXX. The accounts that you noted, were opened two days prior to the other checking ( XXXX ) and savings account ( XXXX ). First Citizens Bank does not open accounts without a direct request from our customers. For security purposes, we require a signed letter to close an account. If you are unable to close your account at the branch, you can call us directly at the number below to close your account by email. You can also close your account by submitting your request in writing to the following address : First Citizens Bank Attn : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NC XXXX Please enclose your account number, your signature, and instructions on where to send any remaining funds, as well as a good daytime phone number should we have any questions. You XXXX also fax your request to XXXX. If you are closing your account within XXXX months of opening a checking or savings account with us, you are subject to an early close out fee of XXXX
If you need further assistance, please do not hesitate to send us a message or call us toll free at XXXX XXXX ( XXXX ). You can also contact us internationally at XXXX. Our representatives are available Monday through Sunday between the hours of XXXX and XXXX XXXX. Thank you for contacting First Citizens Bank. We appreciate your business. '' I am attaching the emails confirming the dates I stated which contradict the Customer Support Specialist 's claims. First Citizens Bank is refusing to close the fraudulent accounts they opened unless I pay XXXX
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| 11/08/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Fees charged for closing account
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Web |
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In 2015 I was informed by the staff at XXXX XXXX that they offered a program that would build credit for people like myself with bad credit. In order to get this service I would make monthly payments into a Certificate of Deposit that they would report every month. I was told that this was a loan from XXXX XXXX and not a savings account. To access these features I had to open a checking account with XXXX XXXX to transfer payments.
So I opened the account as directed by XXXX XXXX. After months of making payments into this account I discovered that no loan had actually been given to me by XXXX XXXX. The money that I was giving the bank went into no minimum Certificate of Deposit and the company was reporting the balance of my personal savings account. Which is a major violation of my right to privacy. Banks are not allowed to report the daily balance of a persons personal savings. Loans yes, but they did not give me a loan they only opened a Certificate of Deposit. I immediately asked XXXX XXXX to close this account and all accounts associated with it.
XXXX XXXX then closed the Certificate of Deposit but Continued to report to all Credit Bureaus that a loan was given. No such loan was ever given. I have made several attempts to report this lie to all the major credit agencies. Each time I have reported this to them it is ignored by XXXX XXXX which is now First Citizens Trust.
In addition to reporting a loan that was never given XXXX XXXX, they never closed the Checking account that was linked to the Certificate of Deposit. Because they never closed the account. They continued to charge me monthly fees and overdraft. I have tried several times to rectify this with them and each time they have ignored me and violated my rights. Not only did they lie to me about giving me a loan they have also sold a false debt to multiple creditors.
Since XXXX XXXX has closed 5 separate collection agencies have contacted me stating that they own a debt from XXXX XXXX. When I try to explain what happened each time they ignore me and each time they all claim ownership of this false debt.
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| 05/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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I sent a check to the property management company XXXX XXXX XXXX Virginia XXXX XXXX, responsible for processing homeowners fees in XXXX of XXXX. The check cleared my account on XX/XX/XXXX for {$160.00} when my account had a balance of {$640.00}. The company stated on XX/XX/XXXX the check was returned for non-sufficient funds. My account had a balance of {$1400.00} on that date. I was not notified of the issue until XX/XX/XXXX when the company threatened to put a lien on my property. I had moved and the property management company claimed they did not have an updated address for me so they sent all notices to my previous address. I contacted the company several times in XXXX notifying them I did not have NSF, I shared with them the cleared check to show the funds were removed from my account. They stated their bank, XXXX XXXX XXXX, said I had NSF.
The XXXX XXXX XXXX Virginia XXXX XXXX provided a statement that clearly shows 2 payments from the same check on my account for XX/XX/XXXX, a charge of {$30.00} for NSF and 2 payment reversals. They sent a letter stating their lockbox file was posted twice on my account in error and that the 2 payments did not happen. They are stating that they did not try to cash the check twice as shown on the statement. However, the check was paid by my bank therefore one of those payments was completed. They claimed they received no funds from the check but my bank, XXXX XXXX Bank, has verified the check was paid to the payee. XXXX XXXX XXXX XXXX Virginia XXXX XXXX is fraudulently saying I still owe the funds because CIT Group XXXX XXXX is falsely saying I had NSF with a balance well over {$160.00}.
I believe XXXX XXXX XXXX Virginia XXXX XXXX has erroneously reversed a legitimate payment for my account due to their lockbox attempting to cash a check twice. They are trying to fraudulently receive additional funds from me that they have already received in XX/XX/XXXX. I have sent XXXX XXXX XXXX Virginia all the documentation that shows my account had sufficient funds for the entire month of XX/XX/XXXX.
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| 05/06/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I applied for a mortgage on XXXX XXXX on First Citizens Bank 's website. After I waited about two weeks for a response from them, I called them to figure out what happened with my application. From there, a representative told me that my banker was XXXX XXXX, and gave me his number. I called numerous times until he finally returned my phone call. I thought this would speed the process up to keep up the communication, but I have been chasing XXXX XXXX ever since. I have called numerous times, I get the run around on why I ca n't even get a pre-qualification letter to look for homes, he keeps asking for all of this documentation, and I even got his manager to push him and I still am here on XXXX XXXX with no answer. I am tired of waiting on an answer from them. I feel that if they were going to deny me, they could 've done that in XXXX, because they had more than enough relevant information then, but to put me through this for months, treat me differently than your other customers, and denying me the opportunity to go through the process is wrong. In their own process, it states I should have gotten the letter to look at homes months ago, but I am being told I have to go through the process before I even get to step XXXX, which makes no sense. I get no answers on why I am not even following their own process and still no answer. I just want someone to at least force them to give me an answer so I can just move on if it 's not going. Making me wait months is not the way to go about this, and denying me equal treatment feels like I 'm being treated unfairly. If this is how banks are operating after they caused the recession, no wonder house sales are so low. If this is how customers are treated now, no wonder they give up on buying a home and pay rent instead. That 's where I am right now, and I should n't feel this way when I have been given all of these reassurances with no results. I have more specific dates and times, but it 's going to take me time to compile all the times I tried to contact them with no response.
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| 04/22/2020 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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XX/XX/1999 XXXX XXXX XXXX owner of first citizen banshares of XXXX ga XXXX XXXX XXXX XXXX ga. Died .made me the owner of the company, first citizen banshares , has fail too give me a copy of the company operating agreement, aka deed of trust, or testimony will deed too the company, also they have fail too give me, cpa accounting too what they are doing with my money on the personal side of the company ... business address on file that is has a registered too sec of state XXXX XXXX. And on the probate court of XXXX ga. Is XXXX XXXX XXXX XXXX ga. It says. XXXX XXXX beneficiary 3rd party too all of this .i am not talking about a account in the bank. I am talking about the ownership of this business.. The paper in the probate court spill out XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, as owner or trustee heir. ... all the names in this text including the company agent has fail too give me my legal papers. Too the company. I am requesting all this information, from yall today. With out this information. I dont. No what i can do or not do. And i dont. No the operational agreement release date for yall too be canceled, too been a active power of attorney for me .so it like yall got the company, like yall own it and i am nothing. Please make this rite. Or be liable for all court cost. Or legal action that will be taking. On the behalf of my request. Everything in this text need too be reviewed .i am at a place, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. XXXX XXXX XXXX deceased owner has various of companies, XXXX XXXX mortgage XXXX XXXX XXXX XXXX .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of this stuff is old money come from the XXXX XXXX and XXXX XXXX families. Also a court appointed administratior been request this information from yall too .XXXX XXXX phone XXXX # XXXX ... XXXX! A XXXX peacock attorney at law. Atl ga. They or yall are refuse too come off my rights. Please stop abuse me .and the court system. When yall can do the right stuff thanks.
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| 03/29/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Original account was under XXXX XXXX and was taken over by another bank, First Citizens bank in XX/XX/XXXX. Owner of account, elder man, suffered from personal problems and was not able to setup login to be able to receive statements after transition. His accountant/representative was asked to reconcile the bank for year end XXXX and had to get access to the online banking. Rep found ACH debits every month, {$1600.00}, since XX/XX/XXXX. The accountant called the bank, XX/XX/XXXX to notify that the transactions are not legitmate. Client was asked to contact the vendor but vendor is a property management company who can not help. Rep called bank again and was instructed to go to branch for assiatance, and was told by brance to file claim and that bank will be able to recoup money from XXXX through XXXX total {$6600.00}. The previous {$3400.00} can not be reversed. File was submitted on XX/XX/XXXX. On XX/XX/XXXX letter received from ACH Dept saying investigation was done and no money can be recouped as the 60 days had passed and there was no discrepancy found. Called bank again on XX/XX/XXXX talked to supervisor to refute the " no discrepancy statement by bank ''. Docs sent by bank that shows name of person that originated the ACH, is not any way related to the account holder, not a signor or authorized user. There was nothing to relate the transaction to the accoutn holder. The only debit that comes out of the account are checks that are written and signed by accoutn holder. No atm transaction are ever made. There was no notice of any ACH authorization request received from the bank before the amount was taken out, to notify the account holder that there is a questionable transaction that was made. Bank claims that account holder should have reported the fraud within a certain amount of time. We feel that they, as a banking institution and member of NACHA should protect their clients as per NACHA rules and requirements. They should have gone through strict due diligence as to their ACH transactions.
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| 11/10/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Problem caused by your funds being low
- Bounced checks or returned payments
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Web |
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I sent the Check to CIT Bank to make a payment of the HOA monthly assessment fee. But it had been rejected and the payment was returned.
As usual, I chose the proof of payment service from XXXX XXXX and made online payment {$280.00} to the HOA account which is XXXX XXXX XXXX. The XXXX XXXX XXXX co XXXX XXXX XXXX XXXX XXXX XXXX account set up with CIT Bank XXXX I schedule on XXXX then it will be sent on XXXX and delivered by XXXX. Also, the due date of payment is XXXX.
Two weeks later. I received the statement from the HOA, the statement show the HOA XXXX XXXX XXXX XXXX did not receive my payment and charge the late fee {$28.00} to my account. ( See attachments XXXX ) I contacted the XXXX XXXX and XXXX XXXX XXXX XXXX a few times to get more information. The XXXX XXXX XXXX keep saying they did not receive the payment and enforce the late fee {$28.00} and interest {$2.00} to me. ( See attachments XXXX ) I spent the time to take look the history of my HOA payment and I also double-check the payee account number and message ; they are all correct. The HOA received all my other checks without an issue. I am used to send the monthly HOA payment with the XXXX XXXX.
( See attachments XXXX ) The XXXX XXXX review the case and have a letter to me on XXXX, the reference case number also available for check. The letter state that My bill payment for {$280.00} that was sent on XX/XX/2022. This payment was sent as a paper check, and it had an expected delivery date by XX/XX/XXXX. Paper checks had been sent, but the check was returned to the XXXX XXXX and not cashed. The check was voided, and my payment amount was refunded to my account ending in accounting number XXXX on XX/XX/2022. As they stated there were no errors from the XXXX XXXX. It means there were no errors from my side.
This situation is the payment check was delivered on time, but CIT Bank paid no attention and ignored it, made the check had been rejected and then returned. So, it means there were errors in the payee side.
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| 08/15/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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For years ( mid XXXX 's thru XXXX ) I have banked with XXXX XXXX in MI. It was not the best bank. The services were poor locations closed every year, they had very bad consumer tactics in trying to grow new business and finally they were shut down in XXXX by the FDIC. I know you may wondering why I stuck with this back thru their demise, but I am XXXX and have no transportation. Anyhow, after a year of sticking around thru the closing and transition to a new banking institution ( from XXXX XXXX to First Citizens Bank ) I find myself experiencing terrible service, no walk in banking location, and not enough ATM choices to access my money. Last night on XX/XX/XXXX I spent 45 minutes each on the phone numbers provided to me, trying to reach a csr using XXXX and XXXX. No one ever answered the line. I finally called a banking center at this number XXXX and reached a Csr. After explaining my frustrations the Csr helped me gain access to online banking and reset my pin for my ATM /DEBIT card after 30 minutes or more I was able to view my balance, but there were no records of banking statements available. As I move to the next day XX/XX/XXXX, I went to an ATM and I still have no access to my funds in my account. The ATM machine says my pin is till incorrect. I called a csr at XXXX AGAIN. I went on to explained what was going on again the csr reset my pin and ask me to use the closet ATM that was near me. As I used the ATM with the CSR on the phone with me the ATM CAPTURED my ATM card. I am FURIOUS. This is absolutely OUTRAGEOUS. The Csr then suggested that I call back the number on the back of the card that I no longer have, because the ATM TOOK THE CARD. At this time I asked for his manager immediately. I have not been able to access my account, get my money, shop, pay a bill since XX/XX/XXXX. The manager has stated that she will expedite a new ATM card to me. But after all this awful service my plan is to withdraw my money and close my account as soon as I can.
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| 11/05/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My original bank was taken over by First Citizens Bank based in XXXX NC. Since this was the second time my bank was taken over by another bank, I've been submitting my deposits by mail because my local branch was closed. I had several mailed in deposits work as expected. But on XX/XX/XXXX I mailed 6 personal checks and 1 business check to the same address, using the same deposit slips I had used previously, in one envelope. On XX/XX/XXXX I checked and those deposits still were not recorded in my personal or business checking account. I called to find out why and was assured they would show up soon. After I mailed the checks to their branch in XXXX, it was decided they would send them on to XXXX. That caused a delay. On XX/XX/XXXX, they sent a letter saying my 1 business check had been delayed because I used a deposit slip that didn't have their name on it. They ultimately processed it, but that was the cause of the delay. There was no communication about the 6 personal checks that were in the same envelope. I called many times, trying to get this resolved. I also communicated many times with their research department, via their website. I'll attach those conversations for your review. In one of my desperate phone calls a customer service person who refused to give me her name, assured me that if I faxed them the photocopies of the missing checks, they would process them, just as they do mobile deposits. I followed her instructions, followed up with more phone calls, and finally received a letter ( which I'll attach ), telling me this is mine to fix. I need to call each person that issued me the checks ( I don't even know these people and have no phone numbers for them ) and tell them they need to stop payment on those checks and issue new ones. First Citizens Bank have all the information they need to process these checks but refuse to do so. The letter from them was not even signed and didn't include any phone number for me to reply.
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| 06/19/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Fee problem
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Web |
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I had over draft protection plan on my business account. The over draft protection plan activated due to low funds in the business checking account. I notified the bank about the over draft protection amount totaling {$700.00} plus. I submitted a request to cancel the plan on the account. The bank informed me I had to pay off the entire amount first along with a signed letter from the bank requesting to cancel the over draft account. I paid the amount in it's entirety and signed the requested form to cancel the over draft protection with the bank manager.However, they never gave me a copy of the signed document.Therefore, I didn't request one thinking it would be documented on the account. I signed the letter in front of the manager believing all problems were resolved. My business account continued without the protection plan approximately four months. After this time, I went into the branch to requested if there were anything pending on the account. They informed me there was a minimal amount pending from a vendor. I waited a month longer to assure there were no outstanding balances. At this time, there wasn't and I was allowed to withdraw the majority of my funds leaving about {$200.00} for any possible drafts. Next, I took my monies to find another banking institution. One month later the bank contacted me and stated I had another over draft balance after the signing of the document to close the over draft protection. Also, all previous balances were paid in full. Therefore, I went back into the branch to speak with the same manager. She then informs me that after 30 days the over draft protection would automatically reinstate. I inquire, how is that possible when you requested a signed document and balances paid in full? In addition, I never received any letter or call about the reinstatement policy. The manager implied since they put the monies into the account and I spent them. I owed them the monies back.
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| 02/28/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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On XX/XX/XXXX I over-drafted my account and was charged a XXXX fee. I blocked the card, as I did not have sufficient funds and was unable to make it to the bank to deposit funds and funds transfers from my other bank werent working- they continued to accrue NSF fees for transactions still hitting the account despite me blocking them. I went to the local branch on XX/XX/XXXX and deposited {$100.00} cash to cover the overdrafted amount and the first fee and close the account, asked for the fees to be refunded, and was told theyd escalate to a manager to see if they could refund the remaining XXXX in bank fees and close the account. I logged into the account the next day to find out that the balance was at {$0.00}, so I assumed they waived the fees and closed the account as I had requested. It wasnt until XXXX of XXXX I received notification that the account had actually been charged off and charged an additional XXXX charge off fee for a total of {$130.00} being sent to collections. Called customer service to figure out how when I had closed the account, they told me to go to the branch. The branch then told me they couldnt do anything and would not give me statements until I demanded that was illegal. They then told me that I would never be able to open an account ever again at any other bank and would never be able to use checks because theyd automatically be blocked at any other bank ever again, having worked in fraud for another bank, I know this is untrue and is illegal debt collection practice. I was given misleading information, and the branch gave me false promises and failed to inform me that the account was going to be charged off on the next business day when I went in for the deposit. This bank is using illegal sales practices and is misleading customers and committing theft with unclear practices and fee structures and failed to communicate with me the status of my accounts when requested :
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| 02/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We financed our home with First Citizens Bank ( then XXXX XXXX XXXX ) in XXXX. We originally signed a 20 year loan that would balloon every five years. We have been notified of time to renew and completed the process seamlessly until now. I paid my XXXX and XXXX mortgage payment at the local branch XXXX XXXX, GA ) and no one there mentioned that the loan had matured and was time to renew. We also received no letters or other types of correspondence from the bank. It was only after I got a letter in the mail in XXXX that stated we could possibly go to foreclosure that I called the bank to inquire as to why since we haven't missed a payment. I spoke with XXXX XXXX ( the branch manager at XXXX ) on XX/XX/XXXX. I was then told the loan was up for renewal in XXXX. Now in-spite of NOT missing payments and reaching out to the bank myself instead of them to me, we have been sent to the loss mitigation department where they will not guarantee a renewal of the loan. I spoke with XXXX at the XXXX, GA office several times this week ( the most current being yesterday XX/XX/XXXX ). She is the one who informed me of loss mitigation and fwd me an email in regard to what was needed to try to keep our home. It is also reporting to the credit bureaus that we are late on XXXX and XXXX payment. First Citizens really dropped the ball on communication with this and are now threatening to take our home and hurting our credit more in the process. We haven't defaulted in any way other than to not renew on time when we were not even aware it was time to renew. I called again today and spoke with XXXX in the loss mitigation department and she informed me they can't guarantee they will approve us to keep our home or renew the current loan and it's " different now ''. I explained we had no idea about the renewal time and received no information on it. She basically informed me it doesn't matter, it's too late.
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| 04/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
Older American |
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Good day, my name is XXXX XXXX, in XXXX I helped my granddaughter XXXX XXXX XXXX purchase a car- XXXX Kia Forte at Galeana Kia XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. The purchase price of the vehicle was {$22000.00} financed by First Citizens Bank. At the time XXXX had little to no credit so I placed her name on the loan to help establish her credit, so then her name was also on the title. The payment was {$380.00} per month and for the first 10 months she made pretty much on time. Un-be knowing to me she lost her job and stopped making payments on the car, also the insurance was cancelled because of non-payment. On XX/XX/XXXX I received a letter from the SCDMV that the insurance was cancelled XX/XX/XXXX on the Kia Forte, since her name was on the title, she had her own insurance on the car with XXXX XXXX. I had to pay a fine of {$140.00} for the lapse of insurance, I also reported the tag lost or stolen the same day I paid the fine on XX/XX/XXXX. XXXX XXXX XXXX name was not on any letter I received from XXXX, only my name XXXX XXXX XXXX.
After this to keep my credit in good standing, I refinanced the car with South Carolina XXXX XXXX XXXX, at this time I still dont have the car, because her name is still on the title. The loan officer with the XXXX XXXX told me it would take around 30 days to get the title back and I had already put insurance back on the car when I paid the lapse of insurance fine. When First citizens bank received the title, they released the title to XXXX XXXX XXXX instead of South Carolina XXXX XXXX XXXX, which was stated on the pay off information sheet. Therefore, First Citizens should be held responsible for the amount stated on the check and in the letter at the time of payoff of {$20000.00}. I XXXX XXXX XXXX, never received the car or title but both were released to XXXX XXXX XXXX. Thank for your assistance in this matter.
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| 09/15/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Shopping for a loan or lease
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Web |
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I applied for a loan with my bank First Citizens Bank based in XXXX, NC. I went into detail concerning my background, provided documents of adequate income, and explained what could be interpreted as errors on the credit report. I had special situations from one event nine years ago that placed several negative events on my credit report that looked like numerous situations. I had no current debt. They denied me for the loan due to an " open bankruptcy '' and stated " when that is closed we can re-evaluate it and help you establish a credit history ''. I replied that I did not have an open bankruptcy. There was one that showed on the credit report of some agencies which was withdrawn after filing and it is listed as " dimissed '' - it never happened. I requested the specific reasons why it was denied and what I had to do to get an approval under their system. They never replied back to me. They have never sent me the written notice after 30 days notifying me my loan was denied, the reasons for denial, what sources they used for the denial, and my rights under the Fair Credit Reporting Act. I called to the main credit customer service phone line that interacts with the underwriters and asked to appeal their decision and talk directly to the underwriter to explain this, and was repeatedly told it did not make any difference. Whatever the credit report said was what they went by. Until the credit report said something different, they were not approving any loan and I could not appeal to an underwriter. This is wrong. I need to have some credit in order to get my credit score up. I have no debt and no credit cards or commercial loans in the last 7 1/2 years, while also running a business. I need to get this personal loan, a credit card and auto loan to start having a payment history built up which would raise my FICO score to allow me to get a loan.
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| 04/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On XXXX of XXXX I was contacted by CIT bank, First Citizens bank Direct Capital. in regards to the ability to be financed on a Truck lease or loan and then was told after getting approved that I was also approved to receive additional cash loan of XXXX. The total payment was XXXX which I began paying.
Then in XXXX my payment shot up to XXXX and XX/XX/XXXX and charged twice then XXXX again in XXXX automatically with no call or explanation. I finally noticed the larger amounts in my account and contacted them to find out it was for Insurance which I already had on the vehicle since I purchased the truck which I proved to them and I was told I would get refunded for which I have not seen yet. I stopped the automatic withdraws until they refund the money and now they are threatening to repo my vehicle. The following is the transaction records from my bank for the payments. In XXXX they sent a notice of default stating I was late XXXX. They did not pay back the money that was added to the original contract payments.
XX/XX/XXXX Direct Capital Nh Checking - {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi XXXX - {$1500.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi Checking - {$2000.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital XXXX Checking - {$1800.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi Checking - {$1800.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi Checking - {$2000.00} XXXX Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Retry Checking - {$1500.00} Business Vehicle lease | XXXX XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi Checking - {$1500.00} Business Vehicle lease | XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi Checking - {$1400.00} Business Vehicle lease | XXXX XXXX
|
| 02/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Older American |
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I took out a Home Equity Loan from First Citizens Bank, XXXX, SC XXXX on XX/XX/XXXX in the amount of {$43000.00}. Payments were made on time from XX/XX/XXXX thru XX/XX/XXXX. No payments were made from XX/XX/XXXX thru XX/XX/XXXX. First Citizens charged off the loan on XX/XX/XXXX.
On XX/XX/XXXX, I received a notice from Mr. XXXX XXXX XXXX, XXXX, Attorney for First Citizens. He stated, that pursuant to the South Carolina Supreme Court Administrative Order XXXX, I had the legal right to be considered for Foreclosure Intervention, which included a loan modification. See attached file ( # 1 Right to Intervention XXXX ).
On XX/XX/XXXX, I wrote Mr. XXXX, stating that I would like to discuss a loan modification See attached file ( # 2 My Request for Intervention XXXX ). Subsequently, I received a phone call from First Citizens. After some discussion, the First Citizens representative agreed to the loan modification, providing I repay all past due amounts, agree to a new payment schedule, and sign a Confession of Judgement. See attached file ( # 3 Judgement by Confession XXXX ). I was also told that the executed Judgement would serve as the modification document. I further agreed to have First Citizen draft payments against my bank account on a monthly basis. All payments have been made on time and as agreed from XX/XX/XXXX thru XX/XX/XXXX. See attached file ( # 4 First Citizens Statement XXXX ).
Under the Modification Agreement, once the past due amounts were paid, all subsequent payments were to be applied to Principal only. In the Spring of XXXX, I discovered that First Citizens had charged {$2100.00} of my principal payments to interest. First Citizens agreed this was the case See attached file ( # 5 First Citizens letter XXXX ). First Citizen has never updated their records to correct their error.
XX/XX/XXXX
|
| 05/16/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Confusing or missing disclosures
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|
Web |
|
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POD AND BENEFICIARIES ... .requirements.
My complaint involves ALL PERSONAL ACCOUNTS ... ( savings, checking and cd or financial investment accounts ) ... .I have contacted the NC BANKING COMMISSION 3 times ... .and HAVE NOT received an ANSWER.
It seems that there are DIFFERENT requirements to allow POD and/or Beneficiaries on any kind of checking or saving or financial investment accounts ... ..and it seems that NO ONE in NC has a CLUE about requirements or rules about this. I, personally, did my own LOCAL RESEARCH/SURVEY after having *issues* with the problem. It seems as IF some banks requirement the name and address of the person ( s ) who are added to the account as POD or Beneficiaries ... .while other banks REQUIRE SOCIAL SECURITY NUMBERS, DRIVER 'S LICENSE and EVEN want the people appointed to COME INTO THE BANK to be added to an already established account. SO ... .with my results ... even though I was TOLD by a couple of banks that *IT IS THE LAW* to gather this information ... .I CAN NOT understand WHY no one will verify what is EXACTLY REQUIRED to do this. I am reporting this since I feel it is IMPORTANT ISSUE which NEEDS to be ADDRESSED and ALL BANKS NEED to follow the REQUIREMENT of doing so.
PERSONALLY, I think asking anyone for the information is a PRIVACY ISSUE ... ..as I do NOT or WILL NOT ask another person, ( EVEN RELATIVES ) for their Social Security Numbers and/or their Driver 's license to add them to an account ) ... .THIS is also a PRIVATE MATTER as well ... suppose I decide to *change my mind and no longer want them to be on my account or decide that I made a *MISTAKE* of adding them. AGAIN ... this is a PERSONAL AND PRIVATE MATTER and someone needs to ADDRESS the issues we have here and MAKE SURE that ALL BANKS FOLLOW what exactly is REQUIRED and is NEEDED.
|
| 12/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
|
On or about XX/XX/XXXX, our loan on a property at XXXX XXXX XXXX, XXXX, NC XXXX, was serviced by XXXX XXXX. XXXX XXXX merged with XXXX and began servicing the original loan number XXXX.
First Citizens notified us : We will charge you for insurance we plan to buy from XX/XX/XXXX - XX/XX/XXXX, unless we can verify that you have Insurance coverage for XX/XX/XXXX - XX/XX/XXXX. The insurance we but : Will cost an estimated XXXX annually.
My insurance agent from XXXX XXXX has sent verification of insurance on more than one occasion to First Citizens.
Today XX/XX/XXXX, I spoke to XXXX a rep and then to XXXX, a manager. I explained that we do not escrow insurance and pay the insurance annually on XX/XX/XXXX, every year. I also explained that since there was no indication of non coverage from XX/XX/XXXX to XX/XX/XXXX, that the insurance was indeed paid ( XX/XX/XXXX to XX/XX/XXXX ). There was also no notification of cancelation of policy to the mortgage co.
Both reps of First Citizens indicated that the original info must have been lost when the banks merged and that it was my responsibility to provide them with proof or I would be charged for a policy to cover the time period of XX/XX/XXXX to XX/XX/XXXX.
I am not responsible for the gross incompetence of the bank, their staff and the failure of First Citizen 's to maintain records and feel that this action is an attempt by First Citizens to extort money from me.
Incidentally First Citizens also services two other mortgage loans and a equity line of credit in the same city. I do not pay escrow on either of these loans, and the insurance on the other two properties are paid annually from XX/XX/XXXX to XX/XX/XXXX.
Thank you for your attention to this matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Cell XXXX H- XXXX
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| 10/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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On XX/XX/XXXX, I bought a semi tractor and trailer. XXXX was the finance company for these pieces of equipment. My husband and I signed the contract as personal guarantors for the loan.
We titled the truck and used it for about a year and paid on it every month. On XX/XX/XXXX I surrendered both pieces of equipment XXXX notified me that the equipment would be sold at auction.
In XXXX and XX/XX/XXXX, XXXX ran a hard credit report on me, without my permission. They caused my credit score to go down.
Around the first of the year in XXXX, I received an email from XXXX notifying me that I owed {$44000.00} for the difference in the equipment sold to what I owed on the loan. I asked why. I was informed that both pieces were sold. After attempting to negotiate, they would not accept my offer. They wanted $ XXXX/month, which was not feasible as I was no longer in business. They informed me they would be seeking litigation to recover costs.
XX/XX/XXXX I received documents from my lawyer that XXXX sent. One of which was a letter from the WA State DOL asking for the title of the tractor back as it was illegally titled. The title from Tennessee in XXXX had a crushed brand on it. When we titled it in WA originally, the Oregon title was clear, no brands.
XXXX knew about the branded title two years ago. They did not inform us that they could not sell the truck. They waited until XXXX to attempt to get the money from us.
Currently, they are suing me for a truck that is branded and expecting me to pay them the full amount left on the loan plus legal fees.
If I had known the title was branded, the truck would not have been bought. The bank needs to go after the dealer to recoup their money. I am not sure how I am responsible for a vehicle that is valued at {$0.00}.
|
| 07/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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|
Hello, That would be a second complaint on CIT Bank and their XXXX company ( XXXX ).
So let me explain a situation I'm now. I was making payments and my credit report got an alert was saying it looks like I'm missing payments. I have looked at XXXX XXXX and shows the the second mortgage at CIT bank, then runs by XXXX is past due, so I thought well I paid it should be get current. But it's still continue same situation. So I have log into the account at XXXX and found I past due XXXX dollars even I paid XXXX dollars per XXXX XXXX XXXX statements. So the XXXX specialist suggested me to send email to Research Payment at XXXX. I did they replied me with this : " Thank you for contacting us!
The payments were refunded to your bill pay service on XX/XX/22 & XX/XX/22 & XX/XX/22, please contact them about the payment refunds. Feel free to contact us if you have any further questions. Were always happy to assist you.
Have you checked our website? Our Frequently Asked Questions page may have the answers youre looking for. '' So I checked with XXXX XXXX XXXX ( my checking account ), they said they have tried several time to submit payments but it was return back!!!.
So I called the XXXX and they said it's because balloon mortgage loan, so it's due the whole amount.
So this is important part : I have never got a full statement to pay all XXXX dollars balance, I have never been communicated from XXXX or CIT bank that is needed to pay a full amount. No-one called me from CIT bank to tell me that is needed to be payoff.
I have attached latest statements that shown I owned the current payment due but not a full balance!. It's looked like they are trying to foreclosure the house under no communication with me at all. Where is the true in this situation!!!
|
| 03/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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I had learned that my credit rating had fallen from XXXX to XXXX because my bank reported that i had not made two payments. The payments were XX/XX/XXXX and XX/XX/XXXX. I went to my bank online and down loaded the statements showing both payments were made and I uploaded them to the credit bureau to challenge the inquiry. I was informed by the bureau, that they did question the bank with my statements but the bank simply reported that there originally statement was correct. The credit bureau stated that there was nothing they could do. I went to my bank and question it and the new bank manager stated that she did not do this, it must of been done by down town branch. I called them and they stated that they reported it because my credit loan note came due and it was delayed refinancing the note. This to was not my fault. I new my note was due in XX/XX/XXXX and I started working on refinancing the note in XX/XX/XXXX. I can show you a history of my emails back and forth with the bank giving them all the information needed to redo the loan. Well, the bank manager ended up leaving and the existing manager had a slow start. Basically i felt like we had to start all over again. Even my accountant question why he had to repeatedly send the same information over and over again. I feel like the original bank manager drop the ball and really did not care, she could of finish the job. but in her last several weeks was pretty much like a vacation, nothing got done, while the new manager was still working full time at her previous location and then between locations, she didn't really have a chance until she was full time in XXXX XXXX NC. I feel like the bank was going through time management problems between the bank managers and punishing me for it.
|
| 07/11/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
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CIT Bank, NA, closed my account on XX/XX/2022 for no reason given with no warning and for no issue I can discern. I had a cash balance in this money market account of {$110000.00} ( rounded ) and they paid out by check the full balance plus {$63.00} ( rounded ) for the XX/XX/2022 accrued interest ( total of {$110000.00} ( rounded ) ). They sent me 2 letters saying I had to pay back the {$63.00} ( rounded ) interest without providing me with final statements or any additional details as to why and at the time I had no knowledge the {$62.00} they were asking for was because they believed they didn't have to pay me interest. The 2nd letter arrived on XX/XX/2022, AFTER this unpaid claim was filed with XXXX. I called XXXX both times I received a letter immediately and asked them how to pay the reported but unexplained {$63.00} ( rounded ) and in both cases ( plus a 3rd additional call ) I was told to ignore the letter it was sent in error and there was no missing balance on my account so any check I submitted would not be credited against my account. The 2nd call was routed to the fraud department which informed me there was no issue and I shouldn't worry. Please remove this erroneous and unfair mark. I have worked hard and saved plenty of money and {$62.00} ( rounded ) is not a meaningful amount to me, I will happily pay it off to remove the issue which is now affecting my XXXX rating- albeit, it's an unfair charge which XXXX is leveling to me and makes no sense since they closed my account and sent me a check for all the funds in the account.
The entire issue caused me missed work, caused me fees for having insufficient funds at another financial firm on time ( I paid those fees because I don't have issue with covering fees I owe ).
|
| 11/16/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I am a beneficiary on a traditional IRA at First Citizens bank. The name they have listed for me as beneficiary is under an old name of mine ( it was my legal name at the time, but since then I have changed my legal first and last names. I have already provided First Citizens the name change documentation ). The person holding the IRA has died and I therefore I set up an inherited IRA with XXXXXXXX XXXX to have the funds transferred into. I completed the paperwork with XXXXXXXX XXXX and XXXX sent them to First Citizens, then First Citizens rejected the request stating the name of the beneficiary does not match the name the check is to be written to ( and of course I had already explained to them about my name change ). On XX/XX/23 I received andemail stating that the only way they will issue the check in my current legal name is for XXXX to add the wording " formally known as ( my former name ) after my current legal name ''. I have spoken with supervisors at XXXXXXXX XXXX and was told XXXX is unable to do this and that First Citizens has the legal responsibility to look at the name change documents I have provided them and issue the check in my current name. In addition, First Citizens needs to send that check directly to XXXX XXXX and follow the other instructions, so that it goes directly from IRA to IRA and is not treated as distribution. There is not a First Citizens branch near me ( the closest is about 2 and 1/2 hours each way and it is not clear that even if I drive there they will honor this ). I just need First Citizens to use the name change documents I have provided, I also have other things in previous name if that would help. Then issue the check as directed by XXXX XXXX. Please help! Thank you
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| 09/29/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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On XX/XX/2022 my mother was scammed into withdrawal funds from her checking account. The robbers told a convincing lie and she, who is XXXX, wound up driving them to her bank, First Citizens Bank, and convincing her to take out {$15000.00} in cash from her account. This is a rarely used account with little activity, and no large cash withdrawals of this type. The bank should have seen this as a red flag on the activity alone, also on the potential elder abuse for her to withdrawal such a large percentage of her account and give it to her all in cash same day. They did not make her fill out any extra documents for a large cash withdrawal, schedule a time to come back and get it, give her a cashiers check, or ask more questions to understand that it may be fraud.
After the robbery occurred she immediately filed a police report and then went back to the bank. Bank branch essentially said sorry not my problem and directed her to an XXXX #. After going in circles with the XXXX # 'investigation ' which of course found them to be at no fault we were not provided copies of the video or any detailed transcripts of conversations that the teller had with XXXX about why this {$15000.00} may be a red flag or evidence of fraud/ put her at high risk of robbery.
This is also a joint account and the joint owner was not made aware of this request, or the teller did not think it was strange that XXXX requested the money 'to help her daughter ' when the daughter is a joint owner with XXXX XXXX Unacceptable that the bank would have so little training on elder abuse, fraud, and red flag transaction for large cash withdrawals, and then after a traumatic robbery essentially say too bad not our problem and give no help.
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| 03/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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FIRST CITIZENS BANK CREDIT CARDXXXX does not protect their clients FROM FRAUD.
On XX/XX/XXXX, I filed a fraud claim on a transaction that occurred on XXXX XX/XX/XXXX XXXX for {$590.00}. The agent took my claim and understood it was good it was within the XXXX timeframe needed to file. I was told I would have a credit within XXXX. I never saw the credit and called to follow up on ( XX/XX/XXXX ). On this follow up call the agent stated the claim wasnt within the XXXX so I clarified yes it was, it was first called in on XX/XX/XXXX. Agent verified dates and apologized and took my claim again and we should see credit with XXXX. Today I call again just to verify because I thought I saw the credit but I cant find it on my statements. Called today ( XX/XX/XXXX ) and when the agent " XXXX '' checked on the claim, she stated the claim was denied because it wasnt within the XXXX time frame for filing. I questioned when did it change from XXXX to XXXX? She couldnt say and just kept repeating the XXXX. I asked if a credit was given it must be a temp credit and then they reversed it and agent confirmed YES. I asked to escalate and was told there was no escalation, it was denied. Advised agent a complaint was going to be filed because they lead us to believe the claim would be credited and they seem to change the rules as they go. NOTE : no notification was ever received of any denial nor of any possible change of required time frame. They are deceiving me and Im sure Im not the only one. I will be posting this issue on-line for other XXXX XXXX that may think FIRST CITIZENS BANK is there to protect them. If we didnt follow up, no one would know they just used that excuse to protect themselves, not their clients.
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| 06/15/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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To whom it may concern : We are filing a complaint against a First Citizens Bank to know the true reason for our account closure.
We were contacted one-time, by certified overnight mail XXXX XX/XX/2021, that our business account would be closed XXXX XX/XX/2021 because they can. The letter entailed, " ... First Citizens Bank reserves the right under the terms of its deposit account agreement to close a deposit account at any time for any reason. '' There letter read, that they, on multiple attempts, attempted to contact us. This can be proven to be not true.
We contacted XXXX XXXX, Area Vice President & Area Executive XXXX XXXX XXXX XXXX, XXXX XX/XX/2021 with questions regarding our account closure. He explained that our account had been under review and that there were multiple red flags. Never being made aware of any review, we asked for proof of wrong doing.
We banked with this Organization for over three years and had very limited communications due to our account never having issues.
On XXXX XX/XX/2021, XXXX was approved to extend the termination of our account through XXXX XX/XX/2021 and still offered no report to support the accusation that there were multiple red flags. He said their finding are for internal use only and he is not allowed to provide us with any support for their accusation.
We believe that our account was close in retaliation to one the Partner 's spouse quitting her position at First Citizens Bank located in XXXX, Washington.
Because we are a XXXX XXXX XXXX, we fear that XXXX might have played a part in the quick and unprovoked closure of our account not considering we might stand up for ourselves being small business owners.
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| 03/10/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On Friday, XX/XX/2018, an unauthorized Debit transaction for {$8500.00} was posted to my bank account. Since I am notified immediately of any transactions that occur in my bank account, I then drove to the local branch of the bank. with the intention of closing that account and opening a new XXXX. However, when the bank found that the unauthorized transaction had occurred, they abruptly closed my account and gave me a check for the balance left in the account, LESS the {$8500.00} that was taken illegally. They also infomrmed me that they could not, and would not open a new account for my business..
This unauthorized transaction was done by a former member of my XXXX at another branch of the bank where he knows the XXXX XXXX.
I had already emailed her on XX/XX/2018, attaching my official Annual Report for 2018 that I filed with the North Carolina XXXX of XXXX XXXX showing that I was the sole member of the XXXX and requested her to remove said former partner from my bank account.
This branch bank XXXX intentionally avoided removing my former partner from the company bank account ; then deliberately avoided processing new Bank signature cards that were signed on XX/XX/2018 that specifically showed that the former partner was Not permitted access to my company bank account. I am quite certain that she also infomed my former partner that I was going to close the bank account so he hurried to his local branch bank and made the illegal withdrawal.
I hold both the banking institution and the XXXX XXXX liable for reimbursement of {$8500.00} plus damages that have occurred, limiting my business operations and generally causing a great amount of despair.
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| 01/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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First Citizen 's Bank in XXXX, NC. We opened a new checking account with this bank in XX/XX/XXXX. The bank was very inconsistent with its check cashing policies and this caused many inconsistencies with funds available for purchases. I called the bank in XX/XX/XXXX to ask them questions regarding the posting of funds available and the balance amount, check deposits. I told the representative with all the confusion and inconsistency and change in balance and fund availability that I wanted the bank to stop paying checks and authorizing purchases when the funds are not available. The representative told me she would change the account to a no overdraft coverage status. She told me no charges would come through unless the funds were available to pay for them.
They lied. They continued charging over draft fees. I called again and asked to place the account on no over draft,, again they told they would. I told them I had called in XX/XX/XXXX with the same request. The representative told me they could pull up the phone conversation. They said they would research and verify the request, ( now there were two on file ). They told me they could not find them.
We have hundreds of dollars in over draft fees. The bank ignored my requests to stop paying for items without the coverage in the account, moreover the balance showed many times the funds were available and still we would get over draft fees.
We have never had an experience like this with a banking institution. I know they have those recorded conversations with my requests to stop over draft payments. And they intentionally ignored my requests in order to generate fees from our account.
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| 06/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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It is important to know that the home we lived in was scheduled for demolition giving us less than a month to vacate at the time.
I had been working with First Citizens Bank ( XXXX XXXX ) to obtain a 15-year mortgage loan. During communications I specified on numerous occasions that I wanted a 15-year loan. ( Loan # XXXX ; for XXXX ) Two days before closing XX/XX/XXXX ) and the deadline to vacate our residence, I met briefly with Mr. XXXX to provide requested documents and inquired the amount of my monthly payment. Mr. XXXX informed me that my payment would be {$880.00} ( less escrow ) I ask Mr. XXXX how he had managed to get a payment that low on a 15-year loan? He informed me that it was a 30-year loan. I told Mr. XXXX that I did not want a 30-year loan that I had repeatedly requested a 15-year loan. Mr. XXXX told me that it would take at least three weeks to re-do the loan. He knew that I didnt have three weeks because I had to be out of the house by the XXXX of the following week. ( about 4 days- demolition on the house was already taking place. ) Mr. XXXX informed me not to worry that to wait a month or two and he would re-do the loan and that I would not be required to pay closing cost again. This never happened.
I kept requesting a 15-year loan and First Citizens started the process at least 3 times XX/XX/XXXX ; XX/XX/XXXX ; and the third time I dont recall the date.
I closed a second time in XX/XX/XXXX costing me approximately an additional {$6000.00} in closing cost. Plus my families future standard of living has been reduced due to paying elevated interest that I should not have hade to pay. This does not include the stress.
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| 09/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is the original complaint : My problem is with First Citizens Bank in North Carolina. Due to a glitch in thier upgrade to their software Credit Cards and Lines of Credit were appearing as " nothing due at this time ''. And i never received any calls or notices regarding my line of credit and credit card with them.
After approximately 3 or 4 months i received a call from the Bank inquiring about no payments. I was told this is a glitch in their system and thet a monthly payment was due. I immediately paid the amount they requested over the phone.
They immediately then reported this to the credit bureaus. i then was notified that they were closing my credit card account. I attempted for more than 6 months to attempt to close my bank account via fax, email and hiring an attorney. The account appears " disabled '' still today. I've been requesting this bank account to be closed for more than a year.
They need to remove this from my credit report. Because of their " glitch '' in thier system my bill was reporting " nothing due at this time '' for more than 3 months.
This is my addition : The company stated it issued information regarding the credit card via US Postal.
THIS MAIL HAD THE INCORRECT MAILING NAME ON IT!
I tried multiple times to correct this! I believe at this point it is STILL not my legal name which i attempted to numerous times to have them correct!
The Name on the mail was XXXX XXXX XXXX.
THIS IS NOT MY LEGAL NAME! ALL CORRESPONDANCE WITHOUT MY LEGAL NAME EITHER FAILS TO REACH ME OR IS DESTROYED.
THIS BANK DID NOT CORRECT MY LEGAL NAME ON THE MAILINGS AFTER MULTIPLE ATTEMPTS BY MYSELF OR MY LAWYER.
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| 12/24/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Can't close your account
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Web |
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I am filing a formal complaint against CIT BANK, XXXX ( a division of XXXX XXXXXXXX XXXX ) and seeking compensation.
There has been a pattern observed from this bank to use " XXXX XXXX XXXX '' as an excuse to intentionally hold and freeze client money for as long as 90 days.
In details, this bank had been holding my hard-earned money in a no-penalty CD account ( Acct # XXXX ) from XX/XX/XXXX to XXXX with the excuse of " Under Security Review '' ( though I authorized my husband to discuss my account during the phone calls ). That caused my huge losses. As a result, CIT Bank should be held accountable.
I would like to withdraw my money deposited from the bank to make a lump sum payment -- for emergency use, but I had been unable to move my money from XX/XX/XXXX to XXXX ( for two months long ). For two months, I hadn't received a single phone call or email from CIT Bank, and I hadn't been able to access and move my hard-earned money either, causing my huge losses.
Worse yet, I was told clearly by CIT Bank 's different agents that their review would be done within 24 hours, 48 hours, or 10 business days, respectively -- so, each time when I called, I was told a different story/lie. From the latest call, I was told to wait for 90 days -- that's absolutely a joke, absurd, and ridiculous! The fact of the matter is -- from the calls, I, as an XXXX, feel discriminated against by CIT bank, XXXX.
The bottomline is that CIT Bank can not and should not hold and freeze client money during an emergency family situation, causing big losses -- worst ever seen! As a result, CIT Bank should be held accountable.
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| 06/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
Servicemember |
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I opened a business rewards card account for my company in 2012 at the First Citizens Bank branch in XXXX, NC. The purpose of the account was for myself and my employees to pay business expenses and earn rewards. There was a total of nine cards issued in the names of myself and eight of my employees. The total charges have been billed to my company with a master account and were paid promptly each month. The purchases on the cards each month have been substantial since 2012.
I have received no statements about rewards earned and little information about the account. I recently made a call to the bank 's credit card department to inquire about the total of rewards earned. I was told by that department that only one of my company 's card accounts has earned any rewards at all. The other eight cards have a XXXX rewards balance. I was told that a bank employee had set up the eight accounts incorrectly so as to earn no rewards. I then asked that those accounts be credited with the proper rewards that should have been credited since the inception of the accounts. That request was refused by the bank. I then asked to speak with a manager. I was told that no manager was available and that I should contact the First Citizens branch where the account was opened. I have made three calls to the branch including two voicemails directly to the branch manager. No calls have been returned.
I have been " stonewalled '' by this First Citizens branch and its manager. My account should have earned several thousand dollars in rewards and there has been no attempt to even discuss the problem or resolve it.
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| 07/24/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/XXXX, I contacted CIT Bank customer service inquiring about the suspension of my account which prevented me from accessing- including making withdrawals - from my Savings account. At this point, access to the account had been frozen for at least a week, since around XX/XX/XXXX and all transfers I've made out of CIT bank had been reversed. For example, I used the funds from a withdrawal ( {$10000.00} on around XX/XX/XXXX ) to purchase an investment product, but on XX/XX/XXXX my brokerage was forced to sell this product because they informed me that CIT had reversed my funds transfer.
Upon calling CIT on the same day, I was informed that my account is restricted and under investigation, and the agent gave me an indefinite timeline during which I won't be able to access any of my funds at CIT. I was told that CIT would reach out to me at their leisure, and during this indefinite timeline, my funds would effectively be frozen. It has been a week since my account was frozen yet CIT has never reached out. I gave them a week which is a reasonable amount of time to sort it out or at least reach out to me, yet it took me proactively inquiring about the account suspension for CIT to tell me that I won't be able to access my funds for another indefinite amount of time.
During this freeze period, the impact on my personal finance will be severe as the majority of my savings is now under CIT. Nearing the end of the month, I will not be able to fulfill my debt and rental obligations without my funds that are currently frozen without an end date provided by CIT.
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| 08/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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First Citizens advertised on their website in XX/XX/2020 that there is {$300.00} promotion if you open a checking and savings account and meet the requirements which are : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : 1. Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening 2. Enroll in eStatements 3. Open a new savings account Here is what I did to meet the requirements : 1. I opened a new Checking and new savings account at first citizens Bank on XX/XX/2020 2. I enrolled in e-statements for both checking and savings on XX/XX/2020.
3. I made 10 debit card purchases between XX/XX/2020 and XX/XX/2020 which were within 90 days of account opening.
Their terms also said " Bonuses to the eligible qualified accounts will be credited, at the banks sole discretion, any time within 120 days after all qualifiers have been met. The account must be open and in good standing at the time the bank credits the account. '' I met the banks on XX/XX/2020 and 120 days from XX/XX/XXXX is XX/XX/2020. 130 days have passed and I haven't received the {$300.00} bonus as advertised. I reached out to First Citizens bank on XX/XX/2020 via secure message inquiring about the bonus and I received an reply on XX/XX/XXXX to call the sales department.
I am attaching the documentation including bank statements showing the account openings and debit purchases as well as screenshot of secure message showing enrollment of e-statements.
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| 12/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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|
Web |
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On XX/XX/XXXX, I called first citizens bank to ask about fees of receiving a domestic wire. At that time, I was told that the fee would be XXXX for such a transaction.
Therefore, two weeks later, I transferred funds from my brokerage account to my checking account through wire transfer. However, I was charged a {$16.00} fee. I tried to resolve the problem with the representative over the phone, and a supervisor told me she will listen to the phone recording within 48 hours and return me the fees if the representative did give me such information. Two days have passed and I still did not receive any feedback, so I called the bank again asking for update, but the supervisor was not available and the representative says she could not see any further information.
Today, I was notified by the bank that they closed my account because I moved large amount of money too often with my business account. But as I am running an asset management company, it is very understandable to be moving money among different stock brokers through my bank account, and the type of business has been disclosed to the bank when I opened the account. The amount I transferred is roughly $ XXXX, which is tiny in the asset management industry managing millions or billions of dollars, so the reason does not really make any sense. I suspect it is because the bank knows the representative told me wrong information and punish me for normal business move. Meanwhile, still no one has reached out to me regarding the fees that the bank charged.
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| 12/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
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Web |
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I bank with First Citizens Bank. On XX/XX/XXXX my wallet was stolen. I called the police and reported the theft and I have an incident number from the police.
I reported the card as stolen to the bank online within 2 hours of the theft. Before the debit card was frozen the thief charged 2 transactions at XXXX store. {$860.00} and {$400.00}.
I called the bank on XX/XX/XXXX and submitted a fraud claim and told the representative that the card was stolen. I was told it would take 7 to 10 business days to resolve.
On XX/XX/XXXX I followed up with an email and attached a copy of the incident card given to me by the police. I complained about it taking 7 to 10 days. They responded to the email on XX/XX/XXXX indicating it was still being investigated.
On XX/XX/XXXX I called to check status and was told my claim was denied. They told me to contact XXXX myself and get the money back. I again told them it was stolen and I wanted to appeal the claim denial. I was put on hold and then cut off. I emailed again that same day asking for help. They responded with thank you for your inquiry.
I called again today and they said that my claim is closed and they will not re-open it. The customer service is really bad. It is kind of like talking to a robot. Service is not the right word for what they provide.
I am still working with my branch XXXX, but she is having trouble getting them to respond to her.
My rent is due today and I am {$800.00} short because of this. I have to borrow money to pay rent.
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| 05/13/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
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Web |
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I am filing this complaint because First Citizens Bank refuses to take my increased of income into consideration. They have refused to use my current income to purposely deny my loan modification. My First Citizens Bank assigned specialist XXXX told me that they were not able to use my current income because they solemnly based approval on tax returns. This is outrageous because clearly my XXXX has been increasing drastically with each passing year. It is absurd that they based my income on last year taxes as my business is blooming. If you look at my XX/XX/XXXX tax returns I made {$11000.00} and last year I made {$27000.00} Clearly, my XXXX is growing and First Citizens Bank refuses to acknowledge or considered my increased income for this year. XXXX from First Citizens Bank stated that despite my business growing they were not considering my current income. I warn him I would file a complaint with my attorney general and cfbp but he clucked and said you nor the attorney general would do anything to First Citizens Bank. Furthermore, he said it would be a waste of time on my part since no one would address my complaint unless I provided my XX/XX/XXXX taxes showing my increased of income. At that point I was done with him. I am requesting a new specialist be assigned to my case that wants to work with me and I truly hope this complaint helps expose First Citizens Bank fraudulent review process. My new income has to be considered because based on my tax returns my XXXX is and continues to grow.
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| 10/28/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
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I recently invested in an 11 month no-penalty CD with CIT Bank who XXXX at the time, was offering the most competitive rate. As the rate environment has changed I'm now looking to close out the existing CD to reinvest the funds at the higher rate now offered by XXXX. While this process is simple with XXXX 's competitors, primarily XXXX and XXXX, XXXX has intentionally made the process difficult/near impossible by forcing seemingly endless hold times on customers trying to close out CDs. At XXXX and XXXX, customers are offered the ability to close out accounts on their own via their online portals and the entire process can be done in under a minute. At XXXX, however, you must call customer service, select an option to talk to a representative about account management and wait up to a couple hours to actually reach a representative. Thereafter they notify you that you'll need to be handed over to the " transaction line, '' an option not immediately available during the initial menu offerings, wherein you have to wait on hold again for a period of hours to reach a representative. During the second hold period there is no relay of hold time estimates nor do you talk to a representative at any point in time. Seeing that there is a simple solution to this problem, already deployed within competitor 's portals, this ongoing issue appears to be intentional and done so to strip customers of their ability to access their funds in a timely manner to the benefit of XXXX.
|
| 07/31/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
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Went this morning XX/XX/XXXX to withdraw {$20.00} from my husband 's account at machine was broken so decided to go through drive through my situation was dealt with by XXXX XXXX whom informed me I could n't withdrawal the funds out of my husband 's account since I 'm not on the account ( even though I 've done this a XXXX times before ) I left and went to XXXX to get the money I needed. About 2 hrs later I went back to the bank after having lunch with my husband and getting his check, I went to deposit it. Again, I was dealt with by XXXX XXXX, she was very rude and used a smart XXXX tone saying she could n't cash it I replied " I want to deposit it '' this whole time she 's bobbing her head all about as if she 's a bobble head, deposits the check and again in a rude high pitched tone tells me to have a good weekend. Thus lady was very rude and had no right to speak to me in the tone she did I honestly do n't even want her handling my money so am considering closing the account so I do n't have to deal with her again.I have never been spoken to this way at any other bank and was quite surprised at the childish way she acted as if I was stupid. I ca n't imagine her treating elderly people that way nor anyone else. She needs more training or another job she clearly is n't good with the general public. I have never seen her in there before but if we decide to keep the account open I hope I never have to do business with her rude and obnoxious personality.
|
| 11/08/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2022 I opened a savings account with CIT Bank. After verifying the XXXX savings account I wished to transfer funds from via XXXX transactions, I submitted a request to transfer {$100.00} from my XXXX account to my CIT bank account. On XX/XX/2022, {$100.00} left my XXXX account has a transfer. To my surprise, on XX/XX/2022 an additional {$100.00} was transferred from my XXXX account to CIT Bank. I have no recollection of requesting or authorizing this transfer.
On XX/XX/2022, I emailed XXXX for assistance. This is an email address they had listed on their website for customer assistance. I requested that CIT Bank provide me with proof that they were authorized to transfer the additional {$100.00}. I followed up on my request on XX/XX/2022. I did not receive a reply from CIT Bank until XX/XX/2022. Their reply said that it was a general informational email address and I had to request assistance elsewhere. I replied to them the same day requesting that they direct my urgent request to the appropriate person so that they could reach out to me with an answer. I did not receive a reply.
On XX/XX/2022, I contacted CIT Bank about the same issue via their secured portal within their website. This was how the email on XX/XX/2022 advised me to contact CIT Bank on this issue. To date, I have not received a reply. The lack of response can only lead me to conclude that CIT Bank does not consider unauthorized transfers an urgent or serious issue.
|
| 04/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a call from someone who says that she is representing a law firm about a debt that I owed to a Bank in XXXX. The Bank in question is XXXX XXXX.
She stated that paperwork was sent to me that stated that I could work out a payment plan to pay off the debt and that they had not gotten a response from me so now the firm that is representing the client is now asking for the amount in full. I needed to make the payment to them right now. This was a voicemail, and when I returned the call the following business day she had all of my personal information, including my social security number and my previous address. It sounded legitimate. I confirmed that I previously had a checking account with that particular bank, but it was 13 years ago. I told her that I needed to see the paperwork that she stated was sent to an address that I no longer lived. She never asked me for my current address so that she could send the paperwork to me, but she kept asking me if could settle the account today. I told her no, and she stated that she would see if they would be willing to contact the client to ask if the original offer could be made to set up a payment plan. we hung up, but I then called the bank that I had this account with and I was told that the bank would not call you if you owed them money, they would report the debt to XXXX. This person also called and left a message on my daughter 's phone, but it was from a different phone number.
|
| 08/31/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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We have a joint XXXX XXXX XXXX XXXX Account with CIT bank. It was designed as a variable high yield savings account with rates historically of 1.4-2 % APY that we have had since XXXX. However since XX/XX/XXXX it has remain fixed at 0.25 % despite recent rate increases in similar products. I did not receive any notification of this becoming the essentially a low fixed rate account similar to their eChecking or more basic products. When I noticed that they continue to hold this supposedly variable APY account at 0.25 %, I called for an explanation. When I spoke with CIT bank today for an explanation, the representative instead of addressing the issue or attempting to rectify it, instead she tried to sell me another product with what the original terms of the Premier High Yield account had been. On questioning, she confirmed that this was still a variable interest saving account and that there was no deposit amount or monthly transfer requirement that I did not meet to trigger this 0.25 % APY but instead the bank " has held this at 0.25 % for all deposited amounts for all accounts '' whether it is XXXX deposited or XXXX XXXX dollars. I believe they have violated their terms of offering a high yield variable savings account and without notification changed this to a low yield fixed savings account. I believe CIT bank owes me back additional interest plus compounding since at least XX/XX/XXXX on essentially a " bait and switch '' tactic.
|
| 09/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
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Web |
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This is the ongoing issue since XXXX when i submitted complaint about CIT Bank NA about not being able to modify the loans. CFPB DID NOT HELP TO RESOLVE THE ISSUE NOW IM IN FORCLOSURE. YOUR TRUTH IN LENDING ACT IS ONLY ON THE PAPER AND NO ONE ENFORCESES IT. Now I know the real reason why it was never done and why I'm in the foreclosure.
IndyMac Bank FSB did sale and lease back with the help of One West Bank N.A. ILLIGALLY, by committing fraud on XX/XX/XXXX, 5 days prior the day XX/XX/XXXX. One West Bank helped IndyMac Bank FSB to get HELOC out under my name, I never cashed it out. I asked the bank who and how it happed they said it's been too long ago, and they have no record however the money {$130000.00} was taken out as cash then loaned to me 5 days later, I did not own the house I could not have taken out HELOC, I was purchasing the property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The bank is demanding money on the default, and it's been 5 months since I discovered fraud. XXXX XXXX XXXX and XXXX XXXX XXXX AWARE OF IT BUT THEY DO NOTHING ABOUT THE ISSUE AND TRUSTEE KNOWS THAT I WAS GIVEN A FRAUD LEASE BACK LAND OIL, MINERAL LEASE ON A RESIDENTIAL PROPERTY. NO DISCLOSURES WERE GIVEN, i DID NIOT SIGN A PROMISSORY NOTE, NO HUD 1 DISCLOSURE, I WAS GIVEN TITTLE INSURANCE WITH NO TITTLE BY XXXX XXXX XXXX, I ASKED ALL OF THEM THE LENDER THE SERVISERS THE TRUSTEE ABOUT THE ADRESS OF THE TITLE INSURANCE IT'S BEEN 5 MONTH NO ANSWER!!!!!
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| 04/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
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Attempting to open online account with CIT Bank ( XXXX ). Input basic data ( name, address, employer, SSN, US Citizen ) and webite immediately responses with " Thank you for your recent application for a CIT Bank account. We regret to inform you that after a thorough review of your application, we have elected to not open a bank account for you at this time. Thank you for considering CIT Bank. '' No info is provided.
Contacted bank and they advised to try resumbitting from different location. Done multiple times over multple dates from XXXX to XX/XX/21. All result in same immediate automated response.
Contacted bank for more specific information. They advised that the automated system has checks to attempt to identify fraud and think that maybe IP address or computer I applied from may be issue. Explained have done from multiple PCs and a phone all with same response. They can provide no additional info.
Advised them per federal law, they are required to tell you why you are denied a bank account ( wife XXXX XXXX XXXX 25 years ). They advised they don't send any letter or email explaining and could provide no additional info. Only option was to write to corporate office.
I have an excellent credit score, no charge offs, bankruptcies, or unpaid accounts, and as the response was immediate, I suspect there is some other issue such as IP location, etc. The bank should be required to disclose specifics however.
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| 02/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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Web |
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I had a pending charge from an online transaction that I didn't order. The amount was overcharged and it lowered my funds. But never over drafted my account. The transaction was always in pending. However my bank First Citizens Bank charged me an overdraft. Finally the pending charge just fell off. I tried to go to my local branch and was treated rudely by someone who I assume was some middle management. She said it wasn't their fault and she would have to see. A couple days have now passed and the funds have not been restored. It was bordering on fraud from both the company who tried to charge me and the bank who did charge me an overdraft that was never in the negative. And they will not refund it. This is the first time I noticed this action. And I wonder if it had happened before. I suspect yes. I should have been taking better notice. Also since I have been charged theNSF fees before they now hold my check stating that is for my benefit to be sure that my employers check clears. Which is hogwash. Its just a way to punish me for being poor. And I told them that. They are hardly ever friendly when I try to explain my issues with them. I have never had a bank treat me this poorly. They never take responsibility nor do they seem to care. And most likely I will be terminating this account sooner than later. I just ran across this link while looking for new banks so I thought I would send the information to you.
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| 06/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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On XX/XX/XXXX, I paid {$76000.00} to XXXX XXXX XXXX to pay off my partner 's loan with them. This was a gift. The withdrawal was reflected in my bank statement with Silicon Valley Bank ( SVB ). My partner received an email from XXXX on XX/XX/XXXX, saying that her loan was paid off. On XX/XX/XXXX, XXXX contacted her that she now owes {$76000.00} due to a payment reversal ordered by SVB, due to " customer advised not authorized ''. I did not authorize such a reversal. In fact, I closed my account with SVB on XX/XX/XXXX. Per my partner, XXXX reports that the payment reversal was ordered by SVB on XX/XX/XXXX ; I was no longer a customer of SVB at that point. This payment reversal happened 10 months after the payment was completed. When I contacted SVB on XX/XX/XXXX to straighten this out, they said they will investigate it and let me know after 10 business days. On XX/XX/XXXX, SVB told me that they did not have a credit for {$76000.00} in my ( closed ) account. They, however, refused to confirm whether they ordered the payment reversal. We do not know where the XXXX is. XXXX is insisting that my partner pay the loan amount ( with accruing interest ) and they decreased her credit score by placing this loan on her credit. XXXX refuses to place an administrative forbearance on the loan or reverse the credit score/report while the investigation is ongoing. Current status is investigation is still on going.
|
| 06/22/2015 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
I obtained a 30 year variable conventional mortgage from First Citizens Bank and XXXX XXXX on XX/XX/XXXX. The First Citizens representative never asked me if I would qualify for a VA mortgage. Had she done that, I would have opted for that ( VA ) mortgage instead of the XXXX I wound up with. What I found out after obtaining the conventional mortgage was that included in the monthly payments would be a PMI of {$120.00} per month. If I had the VA mortgage there would not be any PMI at all. I feel that First Citizens should have told me about the VA mortgage instead of just telling me about the conventional XXXX.
It was not until I spoke with an agent from XXXX XXXX in XX/XX/XXXX that I was made aware of the fact that I should have a VA mortgage instead of a conventional XXXX. Since that time I now have a 30 year VA mortgage with a fixed rate which does not have any PMI attached to it. My complaint is should I get reimbursed for the years of PMI which I was paying due to First Citizens failure to inform me about the VA mortgage.
What makes matters worse, is that the original mortgage was sold to XXXX XXXX XXXX which eventually folded and XXXX picked it up. XXXX has sent me a letter stating that they are not responsible for the PMI problem because they, " Did n't originate my mortgage loan ''.
I hope that my explanation of what transpired will be sufficient for you to help me out with this problem.
|
| 08/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I opened a Free checking bundle which consists of a Free Checking account and a saving account with First Citizens Bank. According to their marketing materials, customers are promised to " get {$300.00} when you open a Free Checking with a {$50.00} minimum opening deposit and open a saving account. '' Additional requirements include ( 1 ) establish direct deposit of at least {$1000.00} per month OR ( 2 ) make 10 debit transactions within 90 days of account opening ( see attached advertisement ). I made 11 debit card transactions, and the last transaction posted on XX/XX/XXXX.
The {$300.00} was advertised to be paid out 120 days after customers meet the requirements which in my case was on XX/XX/XXXX. The bonus had not been deposited to my account, so I reached out to the bank via a secure message on XX/XX/XXXX. On XX/XX/XXXX, a customer service specialist named XXXX replied that I did not get the bonus because the direct deposit requirement has not been met. On XX/XX/XXXX, I replied back and explained that I met the requirement by making 10 debit card transaction within 90 days of account opening. On XX/XX/XXXX, XXXX replied using the same boilerplate answer and informed me that I did not receive the bonus because I have not met the direct deposit requirement. This signals that First Citizens Bank is not going to honor the bonus by the debit card requirement as advertised.
|
| 09/13/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
Dear Sir/Madam, I am filing a formal complaint against CIT Bank XXXX
This bank has been holding my hard-earned money ( in no-penalty CD ) since XX/XX/XXXX with the excuse of under security review or possibly by the overreaction of their system ( though I authorized my husband to discuss about my account almost during each phone call ).
I would like to withdraw my money deposited from the bank to make a lump sum payment -- for emergency use, but I have been unable to move my money since XX/XX/XXXX, almost one month. Worse yet, I was told clearly by CIT Bank 's different agents that their review would be done within 24 hours, 48 hours, or 10 business days, respectively -- so, each time when I called, I was told a different story/lie. From the latest call, I was told to wait for 90 days -- that's absolutely a joke, absurd, and ridiculous! The fact of the matter is -- from the calls, I, being an XXXX, feel being discriminated by CIT bank.
Until now, I haven't received a single phone call or email from CIT Bank -- for almost an entire month ( 21 business days have passed )! Until now, I have not received a single phone call or email from CIT Bank -- for almost an entire month. I have not been able to access and move my hard-earned money either.
The bottomline is that CIT Bank can not and should not hold customer 's money during an emergency family situation -- worst ever seen!!
XXXX
|
| 12/05/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
|
|
I am currently trying to do a refi on my property. During the title search a second mortgage is on there.
I purchased the home in 2007. I had my first and second mortgage with XXXX XXXX, which went under. The second mortgage was sent to One West and I continued on with them. At some point, the loan was transferred again, however I never received any notice.
I did not know who to call or where it went.
To determine who now owns this loan I had to call the FDIC. I then called CIT bank https : //www.cit.com/, which is where they told me it went.
After many hours and transfers, I finally got a live person who told me " I can see your name and address but that is all I can give you, our system is down ''. To which I asked when it would be back up. They couldn't answer if it would be days or weeks.
This is a time sensitive document I need for a refi for an emergency, and I am unable to get what I need from a lender who never notified me of the transfer and can not give me the information now and can't tell me when that may be possible.
This loan transferred well over 10 years ago and if I was properly notified, I would have been making payments to reduce the loan amount.
Not notifying of a transfer should be illegal.
I am now in a bad position because of the mishandling of my account by a bank.
I would like to negotiate a lien release asap due to their error.
|
| 01/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American, Servicemember |
|
In XX/XX/2018, I tried to open a checking account for my business transactions for my business over in XXXX. I already had a personal account and business account with First Citizens Bank and wanted to keep my overseas operations separate from my US XXXX activity. The bank refuse to open my account and told me that I was involved in a love scam, which was not the case. The bank made this allegation up on their own. Because of the negligence of the bank and using false allegations against me, they cause me personal harm to my character, monetary lost to my XXXX business, and closed an account that I have with he bank for over 30 years.
They said that I was in a love scam when I wanted only to open an account to pay my attorney for the transfer the ownership to my name and to give authority to my managers of my XXXX plantation.
I also felt that I ws treated differently because of my XXXX XXXX Heritage because of the manner that I was treated. I AM A XXXX XXXX XXXX COMBAT VETERAN AND A LONG TIME BUSINESS OWNER AND PRIOR ELECETD OFFICIAL in XXXX County XXXX. and respected by many people in this county. XXXX discrimination should not be tolerated in any form and covered up bu using old and irrelevant policies that are outdated.
This is First Citizens Bank and Trust Headquartered in XXXX North Carolina. I have additional information if you require it.
|
| 07/20/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
In XX/XX/2021, I received a XXXX friend request from a XXXX XXXX XXXX, which has turned out to be a fake profile. This person prompted me to switch to XXXX XXXX to send messages back and forth, saying he loved me and wanted to marry me. He eventually asked for my bank account information and ordered checks in my name/address from an account he claimed was his at XXXX XXXX. Recently, he asked me to fill out one of those checks payable to myself in the amount of {$20000.00} and deposit it into my personal account at XXXX XXXX XXXX XXXX. Then told me I needed to transfer {$5000.00} to an account at 1st Citizen 's Bank in the name of XXXX XXXX ( address XXXX XXXX XXXX ; XXXX, NC XXXX ) in order to pay off a lien on a property in Tennessee.
On XX/XX/XXXX, I discovered that XXXX XXXX had returned the funds of the {$20000.00} check I wrote, because XXXX XXXX discovered the fraud. This has left my account at XXXX XXXX XXXX XXXX in the negative by {$5100.00}. I believed this man to be who he said he was and trusted him, but have since discovered numerous fake profiles on social media sites using this identity of a high ranking XXXX official. I have contacted all 3 banks involved to report the fraudulent activity, but 1st Citizen 's Bank did not give any indication that they could get the transfer stopped and return the money to my XXXX XXXX Account.
|
| 08/31/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
Hi, I found the public promotion running at First Citizens Bank 's website ( https : //www.firstcitizens.com/landing/your-bank/index.html ) in late XX/XX/2020 and I decided to open the Free Checking Bundle as it advertised on the website. The promotion was to receive {$300.00} when open a Free checking account bundle and complete the following requirements : ( 1 ) Establish a direct deposit of at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening. ( 2 ) Enroll in eStatements ( 3 ) Open a new savings account.
There was no promotion code/ offer code requested during the application process nor was there any place to include one during the application, so I assumed it was automatically included in the application.
I completed all the promotion requirements in a timely manner : the checking and saving accounts were opened and funded on XX/XX/2020, I enrolled in e-statement the following day, and completed my 10 debits transitions by XX/XX/2020 and also a bill pay transaction on XX/XX/2020. Based on the promotion criteria, bonus should be posted anytime within 120 days after all qualifier have been met.
The 120 days of bonus payout date has long passed and I have yet received the bonus payment as of today ( XX/XX/2020 ). Contacted the customer support regarding this matter but they were not helpful.
|
| 11/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I was called today XX/XX/XXXX about a debt owed to a Bank that went into foreclosure called XXXX. I was told that the debt was from XXXX. I was contacted by a guy named XXXX XXXX from XXXX XXXX XXXX who stated that this debt was {$390.00} and now it has turned into {$4000.00} owed! He told me that a collection agency called XXXX XXXX XXXX was trying to collect on the debt. They had sent a total of 35 collection letters to which I never have received 1 letter, tried to have me served papers by the court to which I was never aware of. The whole thing didn't make sense to me because I never had a bank account with XXXX XXXX and this debt was not or never been on my credit report. XXXX could not give me the address, email, phone number for XXXX XXXX XXXX and when I looked them up they are a designer company. XXXX XXXX could not provide a website and the number he called from was XXXX. There is no website for XXXX XXXX XXXX XXXX XXXX. He kept stumbling over his words when further questioned about this owed debt that has now ballooned to {$4000.00}. He had the last 4 digits of my social as well to which I did not reply as being correct or not. I do not owe this debt, if I did who was I to pay? The bank closed in XXXX, I have had no correspondence, its not on my credit report and its not on any filings with the county court. This seems like a scam!
|
| 04/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2022 I was left a voicemail asking me to call a number because I was going to be served in a civil matter. I called back confused and asked who the creditor was and they said XXXX XXXX. I have not had a XXXX XXXX account in over 15 years. I have not been contacted previously about any debt with XXXX XXXX and they closed down in XXXX when I lived there. They kept saying we are going to have you served and you need to confirm your information. They knew the last four digits of my SSN and my account lace of employment but again this is the first I am hearing of this debt and I asked them to send me the debt info in writing. On the message they left it says it was process service dispatch. When I called back they didnt even answer the phone as a business this guy just said hello and said his name is XXXX XXXX The phone number was flagged as likely a scam. The number that left the XXXX is XXXX which is a cell phone and not unusual since people are working from home and they left a number for me to call back at XXXX but I could not find a business registered to this number. At the end of the message the recording says Youve been notified as if this is set in stone and now Im going to be in trouble. I genuinely have no idea what this is about and they kept trying to intimidate me by saying they were filing a civil suit.
|
| 07/19/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
Servicemember |
|
I wanted to open a high yield savings account after we made proceeds from a XXXX home sale so we could grow that amount to help purchase our dream home in XXXX in a couple of years. I researched various banks and products and decided that the CIT Savings Connect best met our needs with 4.6 % APY and mobile banking/check deposits. I applied online during lunch today, XX/XX/2023, during XXXX weeks of military duty from my govt computer. I entered all the information and submitted all of my sensitive data including occupation and Social Security number, etc. Seconds later I got a screen saying, " Unfortunately we are unable to open an account for you at this time. Thank you for your recent application for a CIT bank account. We regret to inform you that after a thorough review of your application, we have elected to not open a bank account for you at this time. Thank you for considering CIT Bank. '' No other explanation at all, and I have phenomenal credit -- around XXXX currently. XXXX XXXX XXXX I called the CIT customer service and she told me that it typically happens if there was a work computer or VPN involved. Itold her I used my .mil computer and she said that if I used my phone or personal laptop it would accept it. A few minutes later I did exactly that -- and got the same error message. Again with no explanation.
|
| 04/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
XX/XX/XXXX, I requested my First Citizens Bank Credit Card reward points to be deposited into my checking account with First Citizens. The Amount of XXXX was never deposited. I have attempted three times since XX/XX/XXXX to start the process again.
First Citizens has put in multiple expedited requests but they go unanswered. I called again on Monday XX/XX/XXXX and a very rude representative from the Credit Card Department told me she couldn't do anything for me. She then asked if there was anything else she could help with and she hung up on me.
I have not received any follow up calls on my requests. Since then my Credit Card has been closed and i have not had any movement with this. The phone number that I last received a call from was XXXX, on XXXX XX/XX/XXXX. She would not give me her name and was completely insistent on not being able to assist.
I would like to submit this complaint to have First Citizens Bank honor their promise in fulfilling my request to have my rewards of XXXX deposited into my Deposit Account. I am looking into consulting with my Attorney. I feel that this is a violation of UDAAP. This was a rewards card which I had rewards available prior to my account being closed. The request to transfer my rewards was never fulfilled which is a violation of the marketing for this Credit Card.
|
| 04/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
I opened a checking account and savings account with First Citizens Bank in XX/XX/2020. I funded both accounts with a credit card. I funded each account with {$1000.00} ( {$2000.00} total ). I set up a direct deposit with my employer to deposit some of my paycheck into the checking account. A direct deposit was made. Additionally, I make multiple debit card transactions with the provided debit card linked to the checking account. I have not been able to log into my account since last week. I called the bank, they said my account had been closed. I asked why, I was given a run around and then spoke to a lady that said if I wanted to know why it was closed, that I should contact XXXX XXXX. Two days ago, XX/XX/2020, I received a statement from the bank in the mail. It did not say anything about my account being closed. I have not received any other correspondence from the bank regarding the closure of my account or why it was closed.
I checked the statement of the credit card that I used to fund the account with. First Citizens refunded the card for the amount that I opened the account with even though, i paid the card off.
I have not received any reason why my account was closed. Furthermore, I was not told by the bank that they were going to close my account or that they actually did close my account.
|
| 07/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Older American, Servicemember |
|
I sold a $ XXXX truck to an individual for $ XXXX because he need assistance. He wrote me a check from First Citizens Bank. I went to cash the check and after 30 minutes of due diligence, calling the owner of the checking account, verifying why the check was written and other banking review the manager XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX CA XXXX refused to honor the check. He said that was his policy at the branch and when I asked to see the written policy, he said " NO ''. In other words he can discriminate against any individual he deems not worthy. The funds were in the account, everything was verified ; however, XXXX XXXX did not like me and was not going to assist in this transaction. He stated the owner must come into the branch. I told him he is working 8-5 and does not have time and I am leaving for Arizona the next morning. I further stated he can verify me XXXX XXXX XXXX, XXXX, XXXX, XXXX by the internet. This is discrimination giving him ( branch manager ) the ability to discriminate against race, religion, anything he wants without justification. He almost cost this client a vehicle. I am very affluent and can afford selling a vehicle at a loss ; however, this person could not afford losing this vehicle. He could see that I am a well established financial professional.
|
| 02/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
First Citizen Bank has allowed their customers access to do ACH withdrawals from my account. I noticed on my bank statement was charged by a company called XXXX XXXX. I call my bank XXXX XXXX XXXX and was give the number of First Citizen bank. The establishment where the money was transferred to. I called First Citizens bank and they were not able to assist me in any way since I do not have an account with them. But after my bank provided me a company id XXXX and their ACH department I was given a cell phone number XXXX. On XX/XX/XXXX I was given a name by XXXX XXXX XXXX by the name of XXXX XXXX. I have been told by XXXX XXXX XXXX that I need to reach out to the XXXX XXXX but the information that I was given is the exact same as what First Citizen gave me. The two transactions that are in question were made on XX/XX/XXXX withdraws {$65000.00}. Then 4 days later on XX/XX/XXXX there is another withdrawal for {$53000.00}. These transactions are not authorized by me therefore were made by First Citizen bank. I need to get my money back, since First Citizens bank has no information about the account holder they are responsible for helping me recover my money. First Citizen Bank is opening fraudulent accounts and allowing fraud to happen, and when asked who is this merchant they have no information.
|
| 04/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
In late fall of XXXX tried to log in to my account and was told they couldnt verify my information. Called and reset account, which used the same user name and password as before, even though I couldnt log in with those same creditials before calling and resetting. Tried logging in again in late XXXX of XXXX, wouldnt let me in. Called in XX/XX/XXXX. Customer service rep told me she couldnt verify my security based on the information I provided but couldnt tell me what I provided that was insufficient due to security reasons. The only information I provided was my account number. As I began to provide my online log in for security verification purposes, I was told that they couldnt verify my identity and that I would need to go in to a local branch. They couldnt tell me what else they needed to know to verify my identity, also for security reasons. But they didnt ask for anything. I live abroad and cant walk in to a branch. Moreover, in the past, any time Ive gone to a local branch looking for online banking help, Ive been directed to their phone customer service. Now Im locked out of account that might be hit with inactivity fee at any time because there is no set amount of time of inactivity that could suddenly trigger an inactivity fee. This is due to the banks own negligence, not mine.
|
| 06/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
XXXX XXXX, First Citizens Bank has an advertisement on line, in their website https : //www.firstcitizens.com, where there is a bonus of XXXX for opening a new checking account. However, it does n't say that the checking account is subject to credit approval. After I fill out all my information, at the end, I was denied. I thought maybe they needed more information like my Driver License and proof of address etc. However, today I received an alert, that yesterday XXXX XXXX Bank checked on my XXXX credit bureau. It is an usual or not a common practice for a XXXX bank to measure credit exposure when a client is not requesting a lending product. It is uncommon to be subject to a credit risk check for a checking account, and more important to not disclose that as part of the application process. It is deceiving that their website does n't disclose that First Citizens Bank checking account products are subject to credit approval. I believe that is in violation of the fair lending act and it constitutes an unfair and deceptive banking practice. The website withhold material information that if I would have known right upfront I was going to be subject to credit approval for a checking account, it would have affected my decision to apply and I would n't have applied.
|
| 06/26/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
My loan was serviced by XXXX XXXX and was transferred two years ago to First Citizens. I began receiving bills that included fees that seemed inaccurate, AND they informed me that I was past due ( which I was not ). For two years, EVERY MONTH, I have been trying to resolve this on the phone with them -- they will not allow me to escalate the matter on the phone, but promise return phone calls never come. Finally, in XXXX of this year ( after I called the CEOs office number ) I received a call acknowledging that I was not late, but was in fact paid a month ahead. To correct it they told me to skip a month 's payment -- I did and that portion of the problem was correct EXCEPT I had asked them to remove the late fees and correct derogatory credit items. They again keep promising me call-backs that never come. They have not even attempted an explanation for the new " fees. '' On the advice of an attorney, I sent them a formal request in writing to fix the problems. They received it 2 weeks ago and have yet to acknowledge my letter. They are required to acknowledge it within 5 business days. They acknowledge the problem when I call them, they won't let me talk to anyone and promise me calls back -- they never come and the problems haven't been explained or fixed.
|
| 09/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Going back to the end of XXXX beginning of XXXX XXXX XXXX based in California has been constantly harassing me about a 5 year old debt I was n't aware of. They called speaking extremely rude to me, threatening to sue me, telling me that this so called " debt '' will damage my credit score and that it will basically disrupt my finances, that they will garnish my wages, and they refuse to send me anything in writing, verifying that the debt is actually mine ( even after I have requested documentation every time they call ) and that it is n't a scam. They call non-stop and the guy XXXX XXXX was being very loud threatening and rude to me even after I told them to " do what you have to do '' telling me that I " need '' to take care of this and that other debts are n't as important and that it will mess up what I have going on in my life. They continue to call from numbers that are n't based in the US ( such as XXXX ) even though they say that they are based in California. When I asked why he lied about it.They keep threatening to take me to court and refusing to send me any information regarding the debt and that all these different horrible things will happen to me if I do n't pay them and telling me what I " have '' to do. Their number is XXXX XXXX XXXX.
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| 07/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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First Citizens Bank did a construction loan in XX/XX/XXXX for XXXX and XXXX XXXX. I did the grading for their new home which was completed in XX/XX/XXXX. I filed a lien with the XXXX County Clerk of Superior Court on XX/XX/XXXX.
XXXX XXXX, Manager at First Citizens Bank ( XXXX, NC branch ) managed to facilitate closing this loan with the lien attached that has not been satisfied. XXXX, XXXX and XXXX had knowledge of the lien prior to closing the loan.
I was told by a loan officer at First Citizens in XXXX, NC that a loan could not be closed with an outstanding lien. So, why have I not been paid?
I suspect that XXXX XXXX ( homeowner ) has committed the fraudulent, felony act of forging my signature on a XXXX XXXX and XXXX XXXX ( banker ) has made attempts to conceal it. He has even asked a former co-worker to sign a non-disclosure agreement when she resigned from First Citizens Bank.
It should be noted, the general contractor also filed a lien and perfected it with a lawsuit which is pending in XXXX County Civil Superior Court. I consulted an attorney about perfecting my lien with a lawsuit, but I could not afford to proceed with civil action.
Regardless of what has taken place, I just want to be paid for the work that I did for them.
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| 05/04/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
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Web |
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I applied online for a XXXX XXXX Account with CIT Bank. Within minutes of submitting my application, a pop up appeared that stated Thank you for your recent application for a CIT Bank account. We regret to inform you that after a thorough review of your application, we have elected not to open a bank account for you at this time. Thank you for considering CIT Bank. I called the bank seeking more information about why my application was denied. The first person, XXXX, told me that it was because my VPN was on and they could not validate my address. I checked and my VPN was not on. I also called XXXX and they remoted into my computer and verified that the VPN was off. I called again, and spoke to XXXX. XXXX said CIT bank could not tell me why my account was denied, and read me a catch-all disclosure statement that didnt reveal why the application was denied. I asked to speak to a supervisor ( XXXX ). XXXX indicated that they could not give me any further information on why the account application was denied. She said my only recourse was to write the bank a letter of complaint. I received no email correspondence indicating a reason either. I understand the FCRA requires the bank to provide me with a specific reason, but they refused.
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| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
|
My loan matured XX/XX/2023. It took First Citizens bank 6 months to complete the modification. During this time I continued to make monthly payments. First Citizens failed to complete the modification in a timely manner causing my account with them to show delinquent. I also spoke with XXXX XXXX regarding the delay as well as the late charges assessed to me. He stated that he showed that I was current at the time of maturity and that I continued to make monthly payments during the extensive amount of time it took them to complete the modification. As of XX/XX/2023 First Citizens Bank still had not updated my account. I received my monthly statement XX/XX/2023 showing that nothing was due. In reviewing the statement it showed that First Citizens took a portion of my last payment and applied it to late charges. XXXX XXXX stated that those late charges would be waived. I submitted a credit bureau correction and received a letter from First Citizens stating that their records were accurate and no correction would be made. It was of no fault of mine that it took First Citizens 6 months to complete the modification. They had everything needed by XX/XX/2023. During that period I continued to make payments each month in a timely manner.
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| 11/04/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
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Web |
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We completed an online application at Cit Bank for a " high yield '' savings account on XXXX XXXX, XXXX. We immediately received an email stating that they needed additional information, but did not indicate what information they needed. The email indicated that they would contact us by phone or email to let us know what they needed. We didn't hear anything else from them until XX/XX/2022, when we received an email stating that they declined our request to open an account.
I called customer service number on XX/XX/2022 to ask why they would not open the account. I was informed that they would not ( and " did not have to '' ) provide the information to me over the phone. The customer service representative said we would receive a notification in the mail. As of today, XX/XX/2022, we have not received the notification with the reason for the denial.
In the meantime, we reviewed a copy of our XXXX reports, and there is nothing negative on the reports. I think we have a right to know the reason we were denied an account. Further, I am concerned that the high APY advertised was used as a bait and switch tactic to gain access to our personal financial information and review our credit reports for their own marketing purposes.
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| 02/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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According to our bank someone accessed our accounts using First Citizens Bank online banking system and stole {$130.00}, XXXX XXXX. The bank claims that they are not responsible for replacing these funds because the person who stole the funds used our username and password. The bank never confirmed which username or password was used. The bank 's fraud department handled the calls incorrectly and FCB agrees that the fraud calls were not handled correctly. The bank agrees that we the customer have never made any ACH transactions using their online system. The bank knows that we do not make these transactions, the amount of money sent or to those types of vendors. The bank employee confirmed that the services provided by the bank were not set up correctly ( these services were set up by FCB employees ). The bank fails to prompt their customers to do 2 step authentication or change their passwords. FCB assumes no responsibility for waiting over 24 hours to reverse the transactions fraudulently made. First Citizens Bank does not care about their customers or safe guard their customers money. They only said to file a police report and report it to the FBI. Their processes and procedures for fraudulent activity are non existent.
|
| 06/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
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The company, XXXX XXXX XXXX XXXX XXXX , claimed that I originally owed approximately {$200.00} for an overdrawn bank account balance at XXXX XXXX in Colorado, but he 's asking for {$810.00}. I had never done business with this bank and told them so. They were very aggressive and have called several times this week threatening to sue me if I do n't pay by the end of the week. They said they talked to me in 2014 about the debt, which I do not believe happened. He called me a liar, threatened to sue me via another company in Colorado. I called the bank and they had no records of what he was talking about.
When I told him the bank said I never had an account and that I intended to call a government agency he got angry. Then he said I owed the money to a bank in Wisconsin. He said it was the same bank, but I called that bank too and it is now not even called XXXX XXXX . I checked my credit reports and the debt is not listed anywhere. They were incredibly aggressive and insulting. He re-read me " notes '' of previous conversations which were inaccurate. When I said I wanted proof they emailed me an editable word document on which my name is n't even spelled correctly. I strongly believe this is a scam.
|
| 01/06/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
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I did a retirement roll over IRA from XXXX XXXX bank to First Citizens Bank in XXXX 2021 in XXXX Va.. Transferring appx. {$53000.00}. I noticed the first of XXXX that the account had only been change by a appx. a dollar or so a month. I called the bank to ask when earnings or any changes were posted t the account. I was informed that the sales agent was no longer with the bank ( XXXX XXXX ). At that time I spoke to XXXX XXXX who took over for XXXX XXXX. She asked me to meet her at the local bank on XXXX XXXX XXXX even though the bank was closed for the holiday. She told me my account was overlooked and nothing had been done. The stock had never been purchased. She said it had been reported and all necessary paperwork had been filed. I later askked for a copy of all paperwork and a copy of any correspondence. The only thing I have got in writing is a letter saying they are aware of my concern and they are working on it. It has now been almost 2 months since I discovered this and nothing has been done.Thank you I feel that it is time for me to notify you and any other Dept that may be able to help me. Please let me know what you can do to help me.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va. XXXX XXXX XXXX
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| 03/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
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First Citizens Bank, XXXX, NC. did at XXXX XXXX XX/XX/21 institute a system wide protocol change that eliminated security code access VIA email for account holders. This was done with no advance notice and also done with no cause. Furthermore, FC entered into the respective account holders personal profiles ( in violation of FDIC, federal laws, and FCs own policy ) and changed/ removed personal account holder information. We have this documented with before and after screen shots. We also have this verified through FC personnel ( names on file ) who assisted us in re-entering our locked account.
It would take over 2 days before FC personnel could provide us access back into our accounts. We held 4 accounts at the time with a combined amount of {$2000.00} - {$10000.00} dollars.
Then, on XX/XX/21 FC did, without cause, elect to close all of our accounts without cause and provided only a 6 day advance notice before the accounts were taken from our control. One of those accounts handled a monthly SS deposit. The SSA requires 60 day notice to change accounts. So currently we are without that SS support for an unknown period of time. These actions are in violation of Title 63.2 and N.C.G.S. 14-159.12.
|
| 06/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Upon reviewing my credit report, I noticed that XXXX was reporting a credit inquiry on XX/XX/2021 from First Citizens Bank, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I did not recall ever making a credit application with this financial institution. I contacted this bank and was advised that there were no open accounts under my name and social security number. And was advised to dispute the inquiry with XXXX. I did so and XXXX completed their investigation on XX/XX/2021. They advised me that a credit inquiry was made by First Citizens Bank on the date mentioned. However, neither First Citizens Bank nor XXXX could provide specific information on how this inquiry was accessed nor on who made it. Their solution ( which is not acceptable to me ), was to simply place a disclaimer on my credit report indicating that I did not a credit application. This is not acceptable to me, because this inquiry will remain on my credit report for two years and no information has been provided to me as to whom made this inquiry and how it was entered into the First Citizens Bank system. One would suppose that whomever made this inquiry into my credit report would have had to access the system using some form of protocol.
|
| 12/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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|
Upon opening the checking account with First Citizens, we advise the bank rep to remove overdraft protection of any kind. We did not want the bank to allow any purchases or debits to be paid unless the funds were availabe. We made this isssue abundantly clear.
Attached you will find XXXX worth of overdraft charges. You will note by looking at the bank statement the XXXX is lumped together creating ambiquity with regard to what charges were in overdraft.
On XX/XX/2021 at XXXX I called and spoke to a manager on the phone. She told me " someone '' had changed the overdraft charge coverage online. My husband and I are the only ones with access to this account and neither one of us changed the overdraft coverage on line. She told me she would adjust it. On XX/XX/2021, another overdraft fee was charged to the account. I called the bank again and the rep said he did not see that adjustment made to the account.
It seems to me the bank is reluctant on following their customer 's requests for the sole pupose of generating fees. Disregarding a bank customers rights and entitlement to structure their account as an option available to them by the bank, lends itself to questionable business practices.
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| 05/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
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Web |
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I am submitting this complaint because of how long my closing process has taken through First Citizens Bank. I originally submitted my contract on XX/XX/2021 at First Citizens Bank located at XXXX XXXX XXXX XXXX XXXX, VA. I was told I would close on this property in 60-70 days. I was told that I would close by the end of XXXX, then XXXX and now we are almost at the end of XXXX, 91 days from when I turned in my application and contract to the mortgage lender. The current owner has extended the contract once until XX/XX/2021, and is becoming very impatient, as am I. I am very displeased with this process and I hope it does not cost me the purchase of this house. I have reached out continuously to my lender in XXXX and my loan processor located in XXXX, SC, but they have not been helpful as this process continues to be strung along with no solutions to close in a timely matter. I have sent in all requested documentation in a timely matter, always right after it is requested. So I would like an explanation as to why we are 91 days from the start of this process and would appreciate a solution as soon as possible so I can close on this property before the contract addendum expires once again.
|
| 06/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
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|
Web |
Older American |
|
On XX/XX/XXXX my computer was hacked, and my personal bank information was accessed by an imposter, XXXX XXXX, claiming to work for the FTC. Wire transfers were initiated and completed by this imposter totaling {$86000.00} from two of my bank accounts. These wire transfers were done on, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. These transfers went to XXXX and XXXX Two of the accounts this imposter opened got closed soon after for security reasons per the two companies. When these accounts were closed, {$29000.00} was sent back to one of my bank accounts. The total amount that I am currently out is, {$56000.00}.
Once I saw what was happening, I contacted the two banks, XXXX XXXX and CIT Bank to alert them of the fraud and put a Freeze on my accounts. During a phone conversation I had with CIT Bank I learned that they had associated the imposter 's phone #, XXXX, with my accounts. I also found it troubling that my CIT Bank account no longer had the two-step login procedure that I had initiated months earlier. I believe that CIT Bank was communicating directly with this imposter XXXX without my knowledge and authorization. I have also filed a detailed Consumer Report with the FTC.
|
| 05/06/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
On XX/XX/2023, I applied to open a CD account with CIT bank online through their website CIT.com I entered all of my personal information. After the website processed my information, the website said that my request to open an account was denied. I have called the CIT customer service several times asking for the reason my account was denied. The first said they did not know, and that I would get an email explaining why in the next few days. I never got an email so I called again on XX/XX/2023. They said there may have been a problem verifying my information, but the answer was vague. I asked for a reason to be provided to me in writing. They said they would send a letter in the mail to me. I never received a letter.
I checked all three credit bureaus to see if there was an issue with my credit. I confirmed my credit report was clean and that I have a high score. I want to know why I was rejected by CIT because I am concerned there may be something incorrect on a consumer report that I do not know about. I want CIT to tell me, in writing, why they rejected my application and tell me what consumer reports they looked at to make the decision to reject my application.
|
| 10/06/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
On XX/XX/22 and XX/XX/22 CIT bank collected sensitive personal info including SS # DOB etc As XXXX account numbers of other bank accounts I have with XXXX XXXX and First Citizens Bank without opening an account for me which according to XXXX who refused to give me his last name was due to problems on there end I am attaching confirmation that after linking to XXXX XXXX asked me to try a different way at which time I entered my account and routing XXXX XXXX this also did not work.
This went on for XXXX hr XXXX minutes I have confirmation from. my identity theft service that CIT ran an XXXX XXXX on me also attached. As well as email from XXXX that they did link to my accounts without ever opening an account for me I informed XXXX XXXX XXXX XXXX that I wanted XXXX deleted he said he would pass my request on.
I believe it is fraudulent to ask for linkage to other banks when I do not have an CIT Account.
I am requesting that CIT delete all the identity and Bank account info I provided and confirm that they have done so.
I am also request that the appropriate agency investigate CIT practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
First Citizens Bank is reporting an account in my credit that is past the age for reporting. Not only that but this debt was not due to any fault of mine. My bank card was stolen in 2008 which is when this occurred. I went to the bank to tell them. The manager told me to fill out a police report. I did so. I was then told not to worry about it because they would take care of it. Well that never happened.
Recently, I go to buy a home. This is on my credit. I write to them and they send me an affidavit to fill out. I do so and then ask them to get this off my file because it is too old to report and nothing.
I sent the affidavit certified signature receipt because I wanted to ensure they got it. I have allowed 2 months for them to respond, remove it or something. The account is still being listed even after filling out the affidavit. The police no longer have the report because their records do not go back that far. First Citizens have also been notified it is past the age to legally report this debt. Yet somehow, it is still listed.
They are violating laws established for reporting on someone 's credit report. I want this removed today.
|
| 06/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have an issue with there overdraft policy. I signed up to have to have overdraft protection. I had about XXXX dollars in my account when i overdrafted it with a XXXX dollar purchase. I had some pending charges which has been already taken out of my back account available balance. My account was positive when i over drafted it. Once i over drafted it i got hit with XXXX {$37.00} dollar fees. And when i look at the pending purchases that got hit with an overdraft fee it was {$2.00} {$5.00} {$4.00} {$0.00} {$0.00} This is not fair that i am charged so many overdraft fees for such small purchases that was not even in my available balance so im looking at my account positive. The bank has misleading information. Its not fair i have to pay XXXX dollars on such small purchases. The XXXX dollar purchase understandable because that is what overdrawn my account. Because i over drew amy account by XXXX dollars i should have owed the XXXX plus the XXXX thats XXXX dollars. My account it overdrawn by XXXX dollars this is crazy And i have a XXXX so its not right they they are trying to confused me even after i told the bank teller in person ....
|
| 08/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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TERMS : Free Checking Bundle Bonus : Get {$300.00} when you open a Free Checking account with {$50.00} minimum opening deposit and open a Savings account. Earn {$300.00} when you open a Free Checking account bundle and complete the following requirements : ( 1 ) Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening, ( 2 ) Enroll in eStatements, ( 3 ) Open a new savings account.
Bonuses to the eligible qualified accounts will be credited, at the banks sole discretion, any time within 120 days after all qualifiers have been met.
- XX/XX/2020 : Opened 'Free Checking Bundle ' through First Citizens Bank website per the direct link provided via direct communication with the offer code and according to the terms of the promotion. {$1000.00} deposit to each of 'Free Checking ' account and 'e.Savings ' account.
- XX/XX/2020 : Enrolled in eStatements.
- XX/XX/XXXX - XX/XX/XXXX : Completed 10 debit card transactions within 90 days of account opening.
- XX/XX/2020 : 120 days after all qualifiers have been met - {$300.00} has NOT been credited to the account.
|
| 04/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On or around XXXX, First Citizens Bank ( FCB ), participated in the unlawful removal and transfer of funds from my bank account at their XXXX XXXX branch in XXXX XXXX. These unlawful acts involved the State of California Franchise Tax Board collecting what it considers funds owed it for XXXX income tax purposes. The order was invalid as no notification was provided whatsoever to myself, and the due diligence by the FTB was incomplete and a huge shortcut was taken by the FTB in failing to notify the account holder, myself, about any type of levy whatsoever. This makes the transfer of funds unlawful and FCB was alerted to this fact by myself, and chose to act in a felonious manner, regardless. Further, FCB could have verified the information it received, and should have, with minimal effort but made the decision not to and because of this misconduct, First Citizens Bank has involved itself in unlawful banking behavior. Completely unacceptable, this bank does not give a hoot about its customers to the point of helping their accounts get looted. This type of nonsense might fly in NC but this is corrupt California things are different.
|
| 05/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I applied to open a personal checking account at XX/XX/2020 with First Citizen Bank through their website.
The application was approved and i received a debit card around a week later by mail.
I deposit two checks at XX/XX/2020 and also {$1000.00} cash at XX/XX/2020.
My access to my online account was blocked at XX/XX/2020 and i informed my card has been declined for an online payment.
So i called the mentioned bank and ask about declined transaction and i was told my account is in closure process, and i have to call XXXX to follow up.
While this bank held my money, any application evaluation should be done during application approval process and there is nothing in their agreement that the bank are allowed to evaluate customer account with XXXX at anytime and because of that decide to close account without prior notice.
Closing an active account, held more than {$2000.00} remaining balance without any prior notice or instruction to payback and put people in limbo specially during these devastating days that cash is more important in day to day lives indicates how a financial institution can be ruthless and unprofessional.
|
| 02/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
Hello, I've seen myself affected by the practices conducted at First Citizens Bank. An acquaintance who works at the bank advised me to open a new checking account for there was a promotion happening. I was in the market for a new account to consolidate my outgoing payments and manage may day to day spending better. However, the following weeks I had several issues sending payments out, receiving deposits, making online transfers etc. I was in touch with support many times but resolutions were never satisfactory. Furthermore the account began incurring a monthly fee three months sooner than the bank representative mentioned and for more than I had been advised. Uncomfortable with the new developments I found First Citizens Bank to be an unfit match for my necessities and the process to close my account was comiences and seen to conclusion. Fast track to several months later I receive a credit alert from services I hire that I was sent to collections. Further investigation showed that my lovely financial institution was asking for alimony from our past relationship. Please let me go, we weren't meant for each other. Thank you : )
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
I called XXXX on XX/XX/XXXX to ask why my credit score had changed. The operator couldn't explain why tried to put me through to another department, that didn't happen. On XX/XX/XXXX I received in the mail from XXXX a credit report saying that I requested it but I did not. Today XX/XX/XXXX I have been on the phone numerous times trying to get someone to explain why a company did a search on my account. It states it was done via XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX which is a transunion phone number. Many people are complaining online since at least 2013 about this company doing credit checks and charging them without their permission or ever having done any business with them. Yet they are still operating under the name of XXXX. I am still on the phone with XXXX as I am writing this complaint waiting for someone to answer my question that no one seems to want or can't answer. Why are they still doing business with these people? They're a credit agency that should be protecting us! I also have XXXX of XXXX that requested a check, why, I've never applied or done any business with them.
|
| 11/16/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
First Citizens bank upgraded the online banking system XX/XX/XXXX. The upgrade had problems from the beginning with capacity issues, login issues, and more. I found out XXXX XXXX that a payment setup through their system did not transfer information from the old system to the new system. I found out from the payee not First Citizens. The bank did not inform me through correspondence that this may happen. I logged into the system to setup the payment account again and had an issue with my pin. The card was disabled as a result of this issue. I reset the pin with a customer service representative at First Citizens and was told to wait 20 minutes for the system to update. I waited nearly two hours and logged on again, but the card was still disabled. I was then told to wait until midnight. I logged on the morning of XXXX and the card was still disabled. I called customer service again, and was told it was a known issue and they are working on it. The " sorry for the inconvenience '' rings hollow after 4 or 5 times, it becomes more of an excuse and leaves consumers powerless to conduct necessary financial transactions.
|
| 06/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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|
I was a customer of First Citizens bank a long time years. I am XXXX and receive a social security I am older and I get confused a lot but, my daughter helps me with my finances. We noticed since my settlement that something fishy has been happening with my funds in my checking account. One incident happened about a year ago, In XXXX I noticed my banking account money disappearing I reported it to fraudulent activity and received {$4000.00} back.Now, they recently took my whole social security check because of over withdraw and left me no way to pay my bills this happened in XXXX of XXXX. In XXXX I got a new debit card from them and gave them my new address because I moved to XXXX TN. They used the excuse they sent my bank statements to my old address which would have been forwarded to my new address through the post office so trying to make a long story short I know it was illegal for them not to send me any bank statement or notify me I was almost {$1700.00} in the negative I was traumatized I am a Retired Nurse of XXXX yrs. I have worked all my life and have never dealt with hardship like this.
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| 10/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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There have been over 100 (! ) cases where my First Citizen 's Bank ( FCB ) debit card, for which I am the Sole Authorized User and which has Always been in my possession, has been Fraudulently used. On XX/XX/XXXX, there were 14 uses transactions/uses of my debit card, including in XXXX states where I do not live. I have initiated 7 disputes, and heard nothing from FCB. On XX/XX/XXXX, FCB placed about $ XXXX in my account, related to disputed transactions - when I went to the branch, all monies had been withdrawn. This has created EXTREME FINANCIAL HARDSHIP for me and has taken a GREAT DEAL of my time. I am also HIGHLY CONCERNED as FCB is the only entity with which I have had this problem- it goes to Cybersecurity, which, for XXXX as A BANK [ holds money ]. should be very high, and FCB 's OWN INTERNAL PROCEDURES- this is THEFT, a huge amount, which as a Financial ; Institution, FCB has- I beleive - a RESPONSIBILITY TO HAVE INTERNAL PROTECTIONS, as the debit card was NOT lost or stolen ( which I would have reported ). This to me goes to BASIC Bank Responsibilities, possibly Fiduciary Duty.
|
| 12/23/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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|
Web |
Servicemember |
|
In XX/XX/XXXX XXXX XXXX located in XXXX XXXX informed that they were closing the bank for good and that I would have to call in order to close my account and retrieve my funds. I contacted them several times until they finely sent me an online document to sign in order to retrieve my funds. They told me that a check would be mail within 10 days, but I never got the check. I contacted them again in XX/XX/XXXX and received the same answer that they will have someone call me. So I waited until XX/XX/XXXX and called them again and got the same answer. In XX/XX/XXXX they finely told me that a check was sent out and cashed. I asked them what address the check was sent to and who cashed it, but they refused to tell me. They told me that they would be issuing another check and that I would have to contact the fraud department. When I asked to be connected to someone in that department, I was hung up on. after making several more calls over the month I decided to contact the Attorney General Department. To this date, I have not received a copy of the cashed check or been contacted by XXXX XXXX.
|
| 06/17/2015 |
No |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
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Web |
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I am having a problem with my bank returning funds which were released to the wrong party. I made payments and they were not received by the intended party yet released and not credited back to me when this was brought to the attention of the bank. I furnished all the detail requested of me to the bank. I have yet to have anyone at the bank reach out to let me know what the status of this investigation is. I have e-mailed at least XXXX times, and telephoned repeatedly to only be told this is going to take more time. The first date the bank made a formal notation was XXXX XXXX, 2015. I had been inquiring about my money prior to this and finally the put my case with their dispute dept. After that I was required to provide check # s, copies, and amounts. From XXXX, 2015 until today I have no idea where this case is or what happened to my money or when I will have it returned to me. I could understand some time but I seems that nothing is being done at all. What ever happened to bank security. I really appreciate any help I can get in a resolution to this problem.
Thank XXXXOscar XXXX
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| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I had a credit hard pull on my XXXX report from First Citizens Bank. I disputed this, as I was never informed that a hard pull would be initiated for a credit limit increase. Rather, they pulled it as an application for a credit card and never gave my the results of my credit limit increase request, and they were advised of numerous servlet errors in the app during the process that made everything work inproperly. I was advised by customer service to contact their main number for assistance. When doing so, they told me they can not remove pulls from a credit report and that had to be done through XXXX via the dispute process. I then proceeded to tell them about the errors, but nothing was done. I was also still not given the results of my limit increase. As a result, I submitted my dispute to XXXX as an error in reporting a hard pull inquiry. They immediately denied the dispute and closed it. I am asking that this pill be removed from any and all credit reporting within 30 days by either the reporting agencies or First Citizens Bank. I have copies of all correspondence.
|
| 07/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
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|
Web |
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|
XX/XX/XXXX thru XX/XX/2022 ; I spent time applying for a personal line of credit. I applied by email. The representative never applied my information towards the proper process. It appears that he never applied for the personal line of credit.
I was never given disclosures, nor did I sign any documents in reference to applying. I was not given anything official. I do not know what they were really doing with my information. I was asked to provide information on my start up company although I was not applying for a business line.
The bank ran my business credit ; However, I still do not know what they were doing.
I contacted the bank several times and spoke to different people XXXX of whom asked me questions that were completely irrelevant to the personal line of credit. She was just gathering irrelevant information I questioned the representative on why she needed that information. I was disregarded. XXXX XXXX has decided to disregarded me entirely.
They refuse to provide me with a denial letter or reason for anything or any actual documentation for anything.
|
| 12/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
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|
There are two fraudulent. The scammers names are XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
They asked me to pay money for the purchases of electrical equipment but they did not send me. I sent 800 $ for the first transfer on the XXXX of XXXX for the name XXXX XXXX XXXX XXXX XXXX.
I sent XXXX $ for XXXX XXXX. It was the second on the XXXX of XXXX.
I have already requested and recalled the XXXX and announced bank that it was fraudulent. They told me that it takes 5 days. But I do not believe in the system of refund money of XXXX. Could you help me, please to receive my money back?
The scammers^s account names are the below information.
Account Name : XXXX XXXX XXXX XXXX XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Bank Branch : XXXX - XXXX XXXX : XXXX Bank Address : XXXX XXXX XXXX Recipient Address : XXXX XXXX XXXX - XXXX XXXX XXXX Name : XXXX XXXX Bank name : First Citizens Bank Account type : Checking Account number XXXX XXXX Routing Address : XXXX Country : USA XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX North Carolina XXXX XXXX XXXX : XXXX
|
| 04/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
First Citizens Bank opened a business checking and personal checking account about a month ago. Today I received a letter saying that due to some XXXX inquiries ( which are not fraudulent ) I received in order to refinance my business credit card debt at a time of need from rising interest rates that I had all of my account closed. This has completely blindsided me and it goes against community banking of XXXX XXXX XXXX XXXX in traditionally disenfranchised neighborhoods like XXXX XXXX XXXX. I received a call from the branch manager XXXX XXXX XXXX XXXX XXXX telling me there is absolutely no way to reverse the decision and that I was simply out of luck. Considering that taxpayers just financed the sale of XXXX XXXX XXXX to this multi-billion dollar bank, there should be some consideration and reciprocity for people like me who are struggling to stay afloat. I have never been late, sent to collections, or filed for bankruptcy so this decision has nothing to do with creditworthiness. If paperwork were necessary to undo this action I would have provided it.
|
| 02/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
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On XX/XX/2020 I opened two business accounts. When opening these accounts ; I was asked if I wanted over draft protection. I chose to opt-out of this practice as it normally includes fees.
However since XX/XX/XXXXXXXX XXXX XXXX I have been charged {$1500.00} on one account and {$1800.00} on another account. For a total of {$3400.00}.
According to the bank when my deposits are in pending ; they allow my debit card to approve transactions. However, the funds are not technically available so I am charged a fee.
This does not seem fair to me and was not explained when opening these accounts. As I made it clear when opening that we did not want to incur any overdraft fees and to opt us out of anything with overdraft protection.
I do a lot of online payments with XXXX, XXXX and XXXX. So when these funds are transferred to my accounts they are available. However, they are not in my current balance ; just my available balance.
If a fee will incur when I am using my funds ; my card should decline. Especially since I opted out of any overdraft protection.
|
| 05/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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|
Web |
Older American |
|
Without notice, First Citizens closed my checking and savings accounts and I have not received a check for the combined balances ( about {$700.00} ). I opened the accounts in approximately XXXX to obtain a lower interest rate on a home mortgage loan then offered by the Bank. I enrolled in the paperless option, meaning that I received statements and other communications by email. I regularly reviewed my account statements online, most recently the XX/XX/XXXX quarterly statement which I received notice of by email from the bank on XXXX ( attached ).
Last week, I went to the bank 's website to update my security settings. I was able to log in but my accounts were missing from view. I contacted the bank both by phone and secure message. The phone representative advised that my accounts were closed recently and a proceeds check sent to a Florida address I maintained from XXXX. But the written response I received on XX/XX/XXXX ( attached ) conflicts with that information and instead advised that the funds were escheated to the State of Florida.
|
| 03/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
XX/XX/XXXX I received a billing statement showing the full amount of the loan being due instead of a regular monthly payment. I called First Citizen Bank XX/XX/XXXX to schedule an appointment to renew the loan. In speaking with XXXX XXXX she stated that she will have someone call. I received a call from XXXX XXXX and e-mail with an application for a consumer/HELOC application request. I wrote XXXX and advised her that the loan was not a consumer loan nor has it ever been a HELOC. I questioned if the correct process for a commercial renewal was being completed. She advised that is how they handle renewals. I completed the request as stated by XXXX. On XX/XX/XXXX I received a call from XXXX stating that my application had been denied and that my file was being turned over to the Loss Mitigation Department. I have had this particular loan for over 10 years and have never been delinquent. First Citizens did not give me an opportunity to look for other financing that would better fit my need and know plan to place a negative mark on my credit.
|
| 09/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My problem is with First Citizens Bank in North Carolina. Due to a glitch in thier upgrade to their software Credit Cards and Lines of Credit were appearing as " nothing due at this time ''. And i never received any calls or notices regarding my line of credit and credit card with them.
After approximately 3 or 4 months i received a call from the Bank inquiring about no payments. I was told this is a glitch in their system and thet a monthly payment was due. I immediately paid the amount they requested over the phone.
They immediately then reported this to the credit bureaus. i then was notified that they were closing my credit card account. I attempted for more than 6 months to attempt to close my bank account via fax, email and hiring an attorney. The account appears " disabled '' still today. I've been requesting this bank account to be closed for more than a year.
They need to remove this from my credit report. Because of their " glitch '' in thier system my bill was reporting " nothing due at this time '' for more than 3 months.
|
| 12/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
My husband bank with firts citizens bank and he wan na add me to his account I provided my ssn and my state license and my credit card from another bank took all my information them someone called me and ask me to bring my ssn and license again them called me to asked me to bring my visa and passport them they said that there were a problem with my documents and they want another visa, I told her that I was calling an attorney because all my documents are correct and I wanted a email or letter printed telling that my documents were not accepted by this bank because I was on the phone with an attorney because they being XXXX and I have all mydocuments a few minutes later I when to pick up the letter and she apologized and said that everything was her mistake but is alright I don't need to bring any more visas to be added to my husband 's account they know him by name is a small town they never requested any information when he goes by they took copies of all my immigration documents plus my ssn and license and passport this is XXXX
|
| 11/01/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX known as XXXX XXXX XX/XX/XXXX opened multi accounts in-store branch -shortly after they were seized and closed down by law enforcement Govt.
XX/XX/XXXX closed CD dep acct which I did n't fill with funds they did for {$1000.00} dollars in order to rebuild credit they say. Paid monthly XXXX dollars set up arrangements installed. Shortly, after closing bank down which I never received notification that they were closed or seized by the Govt, XXXX XXXX /XXXX XXXX put the CD dep acct ending XXXX on my all credit bureaus as if owned {$960.00} dollars installed. Not true, after which, received a letter about no longer obligated to acct as it is closed no further action needed and received a XXXX credit on the same acct. Online shows bal XXXX cents XXXXX-17 therefore, making a tremendous dropped in my credit score of 143 points down from XXXX to XXXX unable and denied credit and apt housing when needed XXXX XXXX XXXX. Called spk to mgt yesterday said they will notify XXXX and all bureau o this fact and correct info.
|
| 12/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
My truck was towed on XX/XX/XXXX while I was out of town. It was the same day Cit Bank sent me the " NOTICE OF ACCOUNT CLOSING '' and my debit card privileges was revoked at the same time. I had no access to my my funds. They left me in limbo. Cit Bank colludes with this group of bullies to harass me. Those bullies had been making my life miserable since their failed extortion attempt on XXXX. I had this account for 23 (? ) years. I never had trouble with the two prior Banks ( Mutual of Omaha Bank, XXXX XXXX XXXX XXXX XXXX ) until Cit Bank took over. This XXXX lead teller seems having some other agenda in her mind. She asked me about my physical address numerous times. Why??? She also asked me lots of personal, intrusive, obnoxious questions. It's really disgusting that I had to deal with this rude teller. For your reference, I have enclosed a copy of the " XXXX review '', a copy of the letter sent by Cit Bank Manager XXXX XXXX. It's funny this Manager couldn't even spell my name right. Is he really a Cit Bank employee?
|
| 07/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
First Citizens Bank offered a {$300.00} bonus. The requirements included opening a checking/savings account, making 10 debit card transactions, and enrolling in e-statements. I opened my account on XX/XX/2020 and completed the requirements on XX/XX/2020. I pursued this offer in good faith and thought that First Citizens would honor the advertisement found on its website. I called the bank a couple weeks ago to ask why the bonus has not posted to my account yet ; the representative advised me to wait a little longer but that it will post shortly. However, I called the bank today and was disappointed to hear that my account would not receive the bonus. I have a screenshot of the offer on their website ( which the Sales Team, remarkably, did not know existed when I inquired ) and a phone conversation with a representative confirming that I will be receiving the bonus. I am confident that the CFPB will step in to rectify the situation by demanding the bank to honor the {$300.00} bonus and protect consumers like myself.
|
| 03/17/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
My husband and I opened a Savings Builders account with CIT bank in 2017, advertised by CIT as the product with the highest interest rate. When we signed up, the interest rate was 2.65 %. Over the years, interest rate adjusted down with the market, and we were under the impression it would adjust up with the market, since it's been advertised to be the product with the highest interest rate.
However, we found out that the interest rate is currently at less than one percent, whereas their other newer products are offering rates over four percent. We were not properly notified to transfer to the newer products, and or what their interest rates are. We place a lot of trust in the bank and do not check our interest rate vs the other products everyday. The bank deceived us into believing we have the product at the highest interest rate from their bank. We currently have over {$260000.00} savings in the bank and have lost several thousands of dollars in interest, because of their false advertisement of the product.
|
| 09/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
First Citizens Bank had a promotion to receive a bonus of {$300.00} if you opened a free checking and savings account. Criteria for receiving the bonus was to establish direct deposits of {$1000.00} per month, OR make 10 debit transactions within 90 days of account opening.
I opened my account on XX/XX/2020, and by XX/XX/XXXX I had completed the 10 debit transactions. The terms and conditions clearly state that they will pay out the bonus within 120 days after completion of all qualifiers.
It is now significantly more than 120 days since I met all qualifiers and I have not received the bonus.
On XX/XX/2020 I sent a secure message to First Citizens asking about the status of my bonus.
On XX/XX/2020 First Citizens responded saying they would research On XX/XX/2020 I sent a SM asking for an update.
On XX/XX/2020 First Citizens said they are still researching and has no timeline for when they'll have a solution. This is not acceptable, and not in line with their own terms and conditions for the offer.
|
| 09/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX I requested a funds transfer from my XXXX XXXXXXXX XXXX checking account, to my linked bank account, The XXXX XXXX ( Chime ), in the amount of {$400.00}. Then on XX/XX/XXXX, I requested another transfer of funds, to the same bank account, XXXX XXXX XXXX ( XXXX ), in the amount of {$390.00}. I was supposed to receive the funds XXXX business days later and never received anything. XXXX sent me an email on the XXXX of XXXX stating that my deposit has been returned due to mismatching names on the accounts. XXXX ( Bancorp ) said they never collected any money from First Citizens Bank and to contact First Citizen 's to see when will my money be recredited to my account. First Citizen 's is saying once it's been processed, it's out of their control. Both banks are refusing responsibility for my lost money. I have not been given any courtesy from either banks. No bank has protected my missing funds by crediting me my funds back and have left me in a problematic situation with my bills.
|
| 09/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking ( account # XXXX ) and saving account with First Citizen Bank on XX/XX/XXXX with a promotion below : " Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account I called the customer service back in XXXX and confirmed that the promotion code was successfully applied in my application, and later I completed 10 debit transaction by XX/XX/XXXX. It has been more than 120 days since I fulfill all the requirements, but I still don't see the bonus posted in my account.
I contacted customer service, but they still don't provide any useful information. Here 's their reply : " Our promotions department is currently reviewing accounts opened during this promotion. Unfortunately, we do not have a time frame on when the credit will be applied to your account. ''
|
| 03/17/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I brought my checking account to a {$0.00} balance and then called customer service to close my account. First they refused to close it over the phone and said I was required to go into a branch if XXXX is within XXXX miles from my home. When I looked up a location there was not a local branch so the customer service rep told me to fax a letter to XXXX to deposit operations with my full name, account number, and current address along with my signature and they would close the account. I faxed the letter and then called customer service to confirm they received it. They did confirm it was sent but then said a letter was mailed to me and I need to get my signature notarized and sent back to them in order to close the account. I have had many accounts at other banks that never required this much to close an account. It appears they are just trying to make it very difficult in order to retain clients but with this kind of customer service I will be happy when my account is finally closed.
|
| 09/08/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On Friday, XX/XX/XXXX at XXXX in the XXXX, I sent, according to the bank 's instructions, a transfer form for XXXXusd to my investment account in XXXX XXXX ( broker 's account ) After all day Friday with no response, I contacted the bank 's customer service to get a response. At the end of the same day, they tell me that the bank does not want to make the transfer because the money had entered less than 10 days ago and the amount was very high.
Accessing what the bank indicated to me, on Tuesday, XX/XX/XXXX, I again request the bank transfer for XXXXusd via email and the bank does not respond to me again.
Being today, XX/XX/XXXX, I keep trying to receive a response from the bank and I still can not use my money. Nobody responds.
I understand that it is my right as a user to have my money. At the time of opening the account, the bank did not specify that it could not receive and send transfers. Nor did they tell me that at some point I would not be able to have 100 % of my capital
|
| 03/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
We are a C Corporate in Delaware.
We have a bank account with Silicon Valley Bank, recently acquired by XXXX XXXX XXXX XXXX XXXX.
We have three accounts with this bank, one in USD and one in EUR, and one in GBP.
Right now ( today is XX/XX/XXXX ) and since XX/XX/XXXX and all the time between we are UNABLE to conduct : - Foreign Currency Exchange operations- Outgoing Wire Transfer using the currency accounts in EUR nor GBP I have been on the line multiple time with the bank support and they have been UNABLE to provide me with any realistic timeline or even a reason for these outgoing wire transfers in currencies ( EUR and GBP ).
I have been told multiple times simply to wait for an unknown time without any roadmap or timeline.
We are a small business and for us, it's a life-and-death situation. What makes this even worse we're not even given any explanation why they have suspended both the Foreign Exchange Services and Outgoing Currency Account ( EUR / GBP ) Wire Transfers.
|
| 09/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/2022 {$190.00} Payment delinquency notice. ( credit card ) the XX/XX/2022 I received a call from XXXX XXXX Bank " XXXX XXXX ", the message on my voice machine wasn't clear so I call the branch the XXXX and they told me nobody call me. They didn't tried to rich me out.
XX/XX/2022 I receive a letter " right cure " for miss payment " one credit card. " I contact my personals banker and manager and they told I didn't pay.
First of all we set up all my payments in " auto-payments '' Secondly I told them when the credit office call ( I didn't know was the credit department ) I call the branch but no one in the branch was able to tell me my due payments.
Of course I pay my debt, ( It is no the problem ) but they have not right to report on my credit score and lower my credit card limit. They said it's my fault ; it's not because I email back when I received the voice message.
Moreover the manger didn't care when I tried to tell them I file the complain office and the CFPB.
|
| 11/02/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
This is a general complaint about a new shady practice, not illegal, I have noticed first with CIT Bank and now XXXX XXXX XXXX. With interest rates rising, they don't raise rates on your existing account automatically. They create new savings accounts with a new name that pay high interest with names like " Savings Builder '', " Savings Connect '', and now XXXX XXXX has XXXX XXXX XXXX XXXX XXXX I have had to open 2 new accounts with CIT Bank to get higher rates, and just now with XXXX XXXX. You do not see that option if you are logged into your banking account, you have to go pretend to be a new customer and go check their rates first. To be fair, they do make it easy enough to open another account, but there is no purpose that I can tell other than to pay a different rate. Its just a shady practice bilking the customers probably out of XXXX if they do not remain vigilant! I am hoping more will complain so the practice will change. Thanks for your time.
|
| 08/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
XXXX XXXX closed near my home, so I went in person to the branch in the XXXX XXXX to close it .I told them I would pay in full what ever needed to be paid and close the account, your employee assured me it was closed when I brought it to a XXXX balance.I paid the balance up and was told by your employee the account was now closed.Since then I have been receiving overdrafts from dates after it was closed.My automatic deposits were changed at the same time that I closed the account.I tried to contact the bank at the number given me, no response, it went directly to music and I waited as long as half an hour with no response! I am XXXX and can not be traveling miles to do my banking.I would appreciate it if you would quit harassing me and keep the account closed as it was in XXXX .And I do not owe any overdrafts on a closed account! Your prompt attention would also be appreciated.I had 4 other people along the day I closed the account.
|
| 07/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On XX/XX/23 I signed a loan agreement with first citizens for equipment from XXXX XXXX XX/XX/23 I told XXXX XXXX XXXX manager that I would like to cancel the loan he said the funds were already paid. On XX/XX/23 I sent a email to XXXX XXXX saying that XXXX would be refunding the funds and where should I send it, he replied with an email to send a ACH to XXXX XXXX and gave me the account and XXXX numbers. On XX/XX/23 XXXX haXXXXdware sent the funds and sent me a copy of the transaction I have informed XXXX XXXX of this but he said that he can not find the refund from XXXX XX/XX/23 I received a default email for my account on XX/XX/23 I paid XXXX since then I have sent numerous emails and voicemails and have not heard from XXXX XXXX. I have been informed by first citizens bank that I would still have to make my monthly payments. This money was sent to first citizens bank per their instructions and they will not accept that my loan has been paid
|
| 10/16/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
CIT bank closed my account without any notice and froze me out of my funds. I have spent hours on the phone with them and they refuse to provide the reason for closing the account and will not tell me when I will receive my money back. I have been told I will receive a letter, but can not get a definitive date I will receive said letter. They then went back a week before the account was closed and cancelled all bill payments even the ones that had already posted. I have my checking and life savings account with this bank, so they have tied up all my money and I have been scrambling to try to go back and re-pay bills that were already paid without access to any money. I am now facing late fees for bills that were already paid because the payment was returned. This is abuse in my opinion and there is no reason for the bank to behave this way. I need to know when they will release my funds and exactly when it will be mailed out with tracking.
|
| 04/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I opened an account with First Citizens. I used my credit card to fund the account. I used my debit card for a few transactions at XXXX and set up direct deposit. Then a month or so later, they randomly closed it on me citing XXXX. Nothing has changed on my XXXX report since I opened my account. I used my account for transactions as designed and they closed it making my debit card not work and locking me out of paying rent with it right when rent is supposed to be due.
When I signed up, I signed up under a promo for a XXXX dollar bonus. They then closed the account after I met the conditions of the bonus. No doubt because they didn't want to pay the bonus. That's a good way to offer bonuses for accounts : you offer bonuses to attract customers, then those who meet the requirements you close their account so you don't have to pay out, and keep those that fail the requirements. Get free accounts without paying a cent. Very unethical.
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American, Servicemember |
|
On or about XX/XX/23 at XXXX am, I was notified by XXXX that CIT Bank made an attempt to access my XXXX credit report. The attempt failed because I keep my XXXX credit report frozen.
I attempted to contact CIT Bank and they state they never made any attempt to pull my credit report. They suggested I contact 1st Citizens Bank. I contacted 1st Citizens Bank and they also stated they never attempted to pull my XXXX credit report.
Either CIT Bank and / or 1st Citizens Bank are lying. XXXX told me that there is no doubt whatsoever that an inquiry from CIT Bank was attempted.
Since I never applied for credit from either CIT Bank or 1st Citizens Bank and I never gave them permission to pull my credit report, they acted illegally and attempted to access my credit report without permissible purpose, in violation of the FCRA. The fact that they lie and claim never to have attempted to access my credit file makes it even worse.
|
| 05/16/2022 |
No |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Was denied multiple times for personal loans, business lines of credit, and business loans. My Fico score on the most recent inquiry was XXXX and they denied me any amount for any type of loan, my business had been up, profiting, and established over the minimum " 2 years '' they asked me about criminal history, and I disclosed transparently that I had no law involvement in over 8 years. To all modern standards I should qualify for anything I desire based off credit and income. Recently XX/XX/2022 I noticed they have been taking money out of my account for " service fees '' for the last 2 months, i asked them about it and their response was " sorry sometimes the system changes it back on its own '' I couldn't help myself by laugh because how does one change paper to E statements on an established account that has never since day 1 had paper statements. My ambition is too sue them for discrimination and fraudulent charges.
|
| 05/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
In 2016, my Home Equity Line of Credit with First Citizens Bank in XXXX, NC matured. I asked to have it renewed. They asked for tax returns which I provided. As my returns are complicated, they asked for more information and ordered an appraisal. This information requests were repeated a few times over many weeks or months until they made a final decision to not renew and I paid the balance in full.
During the time we were negotiating a renewal, I did not receive statements. Later I learned First Citizens had been reporting the loan as late. How could my loan be considered late when no bill was provided for me to pay?
I have written to First Citizens twice and received no reply. When attempting to reach them by phone, there is no one available to speak with. I was told the credit reporting department does not speak with customers or former customers. I would appreciate anything you can do.
Best regards, XXXX XXXX
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| 08/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Hello, I opened a checking and savings account with First Citizens Bank back on XX/XX/2020. The account I opened was part of a promotion that I open the checking and savings account, make ten debit card transactions within 90 days, enroll in estatements and open a new savings account.
I made ten debit card transactions on XX/XX/XXXX.
I opened a savings account on XX/XX/XXXX.
The terms stated that my account would receive the {$300.00} checking account bonus no later than 120 days from qualifications being met. 120 days from XX/XX/XXXX is approximately XX/XX/XXXX.
I have still received no bonus.
Throughout the promotion I sent messages to the bank asking if my account was properly enrolled in the promotion of which they confirmed it was. After XX/XX/XXXX I have asked where my bonus is and all they tell me to do is call the local branch, which I have done and they will not honor their promotion.
Please assist me.
|
| 07/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
On Monday, we got a phonecall from the person ( XXXX XXXX ) who did the appraisal on our property at the request of First Citizens Bank & Trust - North Carolina. He informed us that the appraisal was inaccurate and that he 'd notified the bank. The bank was however trying to fool us into believing the appriasal was accurate. XXXX XXXX said he would refund the money we paid the bank for the appraisal. He 'd made the same offer to the bank, but the bank refused to take it. As a result of the bank 's desception we have lost the house we were going to build on our property, lost the builder, lost the downpayment, and lost the loan application fee. Not to mention, losing a year now that it 's XXXX and they 've been pulling this scam on us since XX/XX/XXXX.
Resolution ... .I 'd like to see the bank lose it 's license to do business in North Carolina and plan to also file this complaint with the State 's Bank Commissioner.
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
There is an account reporting but I have never had an account with first citizen bank and trust.
They bought out a bank that shut down in XXXX, WI.
I had an account with the original bank and first citizens returned my money because they didnt offer the same product the original bank offered. ( I have the check to prove they paid me back ) I never held an account with first citizens bank & trust so how can I have multiple late payments?
Please delete this entire account from my consumer file. I want to exercise my right under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 1681a ( 2 ) under the exclusion section.
I have been violated according to 15 U.S. Code 1692g section a & b.
If this account is not removed from both my XXXX and XXXX reports within 30 day of receipt of this complaint I will sue.
I have disputed this so many times and nothing happens this is my late time.
|
| 04/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
This is a joint account held by my deceased husband ( XXXX XXXX XXXX and XXXX XXXX ).
The original account was through a XXXX XXXX ( XXXX XXXX XXXX ) of XXXXXXXX XXXX
I was told by the XXXX Banking Commissioner that the was taken over by First Citizens Trust XXXX XXXX XXXX in XXXX when the XXXX XXXX XXXX XXXX failed.
I have also spoken with First Citizen Trust Bank and they are saying they never took over the bank and can not locate our joint account.
This is frustrating because I need to show proof that this account existed in order to probate the affairs of my late husband and myself.
The account was opened between the years XXXX.
I appreciate your prompt response and attention to this matter.
My husband DOB XXXX and the last four of SSN XXXX.
My DOB XX/XX/XXXX and the last four of my SSN is XXXX.
This account was opened in XXXX GA at the XXXX or XXXX XXXX location.
Thank you in advance, XXXX XXXX XXXX
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American, Servicemember |
|
On or about XX/XX/23 at XXXX am, I was notified by XXXX that CIT Bank made an attempt to access my XXXX credit report. The attempt failed because I keep my XXXX credit report frozen.
I attempted to contact CIT Bank and they state they never made any attempt to pull my credit report. They suggested I contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they also stated they never attempted to pull my XXXX credit report.
XXXX CIT Bank and / or XXXX XXXX XXXX are lying. XXXX told me that there is no doubt whatsoever that an inquiry from CIT Bank was attempted.
Since I never applied for credit from either CIT Bank or XXXX XXXX XXXX and I never gave them permission to pull my credit report, they acted illegally and attempted to access my credit report without permissible purpose, in violation of the FCRA. The fact that they lie and claim never to have attempted to access my credit file makes it even worse.
|
| 04/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
In XX/XX/XXXX, I was required to open a checking account at First Citizens Bank ( FCB ) as part of the creation of a personal line of credit. Both accounts were set-up for online access and I had no material issues with the accounts or FCB for years. In mid- to late-XX/XX/XXXX, my online access no longer worked so I attempted to reset the password. After several attempts ( required calling customer service as opposed to automated system ), the reset process worked only temporarily. Eventually, the account was closed in late XX/XX/XXXX by the bank due to inactivity after the checking account balance was used to payoff the line of credit earlier that year. I made requests for the checking account statements, which primarily reflect interest income payments, but FCB is charging {$7.00} per monthly statement. That seems to be excessive for what should still be available online and are one page statements at most.
|
| 09/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/2020 I opened a checking/savings account with First Citizens Bank through an offer I received stating that I could earn a {$300.00} bonus within 120 days for completing the following requirements : - Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening.
- Enroll in eStatements.
- Open new Savings Account I completed all of these requirements and did not receive the additional {$300.00} after 120 days. I contacted First Citizens through their online messaging system to inquire about the bonus on XX/XX/2020 to which I received a reply stating they would look into the issue. As of XX/XX/2020 no response had been given. I again tried to contact them on XX/XX/2020 and as of today they have not replied.
It is my belief that First Citizens Bank is withholding the bonus which I rightfully earned and is ignoring my requests.
|
| 02/06/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
first citizen bank gave me short term XXXX 7 year loans on my home for 18 years XXXX. was the end of my loan, after I made XXXX payment I went to see XXXX XXXX bk. manager he put me off saying it was too early to start proses I contacted XXXX they wrote me a loan with XXXX loan I was still working with first citizen they said I could get {$300.00}. to {$1000.00}. closeing cost. XXXX had my loan ready with a {$4200.00}. closing I stay in contact with XXXX there was always some delay I finly told XXXX to close. then first citizen charge me a {$5600.00}. late fee it change my debt to income {$29.00}. to low I had to take a XXXX loan with XXXX my credit score was XXXX first citizen cause the delay I never had a late payment for 18 years, I contacted customer service for someone else to handle my loan no change, first citizen cause all the delays and no reasen to charge me alate fee I wont my money back
|
| 08/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Hello, I opened an account with First Citizens Bank through a promotional offer that was advertised to me. The promotional offer was : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : 1 ) Establish a direct deposit of at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening. 2 ) Enroll in eStatements. 3 ) Open a new savings account.
I opened the account on XX/XX/2020. I enrolled in eStatements, and opened a new savings account at the same time. I completed the 10 debit card transactions on XX/XX/2020, which was within 90 days of account opening.
Per the terms of the bonus, the bonus should be paid within 120 days of completing the requirements, which I completed on XX/XX/2020. It has now been 120 days and there is still no {$300.00} bonus to my account.
Thank you for your help!
XXXX XXXX
|
| 08/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
Hello there, I signed up for a promotion that was mailed to me from First Citizens Bank. I am a resident of the state where the bank resides as well.
The promotion was, " Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account Within 120 days after all qualifiers have been met. The account must be open and in good standing at the time the bank credits the account.
I have met all the qualifications. I opened my account in XXXX and met all the qualifications by XX/XX/XXXX and I haven't received the bonus. I called the bank three weeks ago to inform them of this and they haven't returned my phone call.
I can provide my banking information to the company separately.
|
| 06/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
On XXXX I mailed a check to a business entity 's Accounts Receivable lockbox. ( This check was mailed from the Post Office in XXXX, GA. ) The check was altered to an unknown individual and deposited via Mobile Remote Deposit on XXXX into an known account. It is very apparent from my First Citizens Bank 's online portal that the " Pay to the Order of '' and " Address '' have been altered.
On XXXX I contacted my local bank 's branch and I was instructed to call their XXXX phone number. Upon calling the XXXX number I was given a dispute # and told that someone from the " Back Office '' would get back with me in 2 to 3 business days. As of XXXX I have called 2 other times ; I have not been able to speak to anyone in the " Back Office '' or the " Fraud Specialist '' handling my case. My issue has not been resolved in a timely manor, and my account has not been credited for the {$9400.00}.
|
| 01/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American, Servicemember |
|
This is a Banking Practices Consumer Complaint involving a repetitive practice engaged by First Citizens Bank credit card payments by check.
Checks submitted in payment for VISA card debt to First Citizens Bank, XXXX XXXX XXXX, XXXX, XXXX XXXX are not being processed in a timely fashion, thereby passing the statement closing date and being assessed additional interest on the unpaid balance.
Case in point : a check submitted for payment in full on XX/XX/2021 with an account closing date of XX/XX/2021 was not processed by the statement closing date of XX/XX/2021 and was finally posted on XX/XX/2021, thereby accruing additional interest for the additional days in cycle.
Please note that First Citizens Bank is not the only bank engaging in this practice to collect additional interest on " past due '' accounts. Some are also charging a late fee in additional to the accrued interest.
|
| 08/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
First Citizens bank ran a promotion back in XX/XX/2020 for new customers to qualify for a {$300.00} bonus upon meeting certain requirements detailed below Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : - Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening - Enroll in eStatements - Open a new savings account I can confirm that I opened both checking and a savings account with them on XX/XX/2020 and have met the requirements to qualify for the bonus by receiving deposits of {$1000.00} through direct deposit from my employer. After following up with the bank a few times about the bonus, they have not yet credited the bonus and denied crediting it. I believe I am entitled to receiving the bonus based on the terms listed and need your help in this regard.
|
| 08/19/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I applied for the XXXX XXXX account from their website. As part of the account opening process, linked and shared the financial information from my XXXX checking account.
First they sent me 2 emails saying that they need some additional information to confirm my identity and that their agent will call or email me in the next 3-5 business days.
Of course, that doesn't happen. 3 days later they sent me another saying that they have elected not to open an account for me and wishing me luck in search of my banking needs. I guess this is their polite way of saying " **** you ''.
Anyways, the email had no reason or anything for denying the account. My guess is they don't like non-Citizens who are legally in US. I know I shouldn't be imagining things but all my attempts to get any sort of answer from them have proved futile so far.
Maybe CFPB can help me get some closure on this?
|
| 08/17/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American |
|
Following an XXXX notice of 1.9 % APY savings account from CIT Bank, on XXXX XX/XX/2022, i attempted online to open an account. At that time, i authorized my checking account transfer of {$100.00} to CIT. I understood that i would receive " micro-deposits '' to verify the account on or before XXXX XX/XX/2022. Daily, I tried to check to see if the account opened, '' micro-deposits '' occurred. There was no activity from CIT Bank. I could not access my account online! The transfer did not happen. Each day, I called customer service to see when the account would open. They told me by Wednesday. On Thursday, XXXX XX/XX/2022 - after countless hours on the telephone waiting for customer service, i called to cancel the account. The representative told me she did cancel the account and hung up before confirming my requested transaction number.
The entire experience was disgusting.
|
| 04/20/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American |
|
I want to complain about CIT Bank. They offered great saving account interest rates. When I tried to open the account on XXXX XXXX XXXX and XX/XX/23. It took all my personall unformation, ( including SS # and mothers Maid name ) then gave me a message that they " regret to inform me, we have elected to not open a bank account for you at this time ''. They gave me no explanation. I called to open an account on the phone and they told me that they have algorithims ( that he is not familar with ) that screen application.
I gave my personal information and got no assorances that this information is being held confidentially. I think its wrong what this bank is doing. Asking for personnal infomration taking it and then when all is said and done not even saying that my information will be held confidentially. Also I should not why I am not being allowed to open an account.
|
| 07/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
First Citizens Bank of XXXX, undervalued my request for a mortgage by $ 100,000+. To do that, they appraised the land ( purchased for {$120000.00} ) at {$9800.00} ( tax appraisal uninproved is {$70000.00} ). To do that they found land XXXX miles away selling for $ XXXX/acre and ignored land pricing anywhere closer much less inside the resort community. They chose XXXX comparable, XXXX was a mobile home and the XXXX had been abandoned unfinished in 2006. Our planned " custom built '' log home is in a gated community atop XXXX XXXX ( XXXX ), the mobile home they compared it to has a State Highway running thru the backyard and was simply dropped off a flatbed onto a slab at that location.
But that 's how they do business. They claim the " negligence '' is all the fault of the appraiser and his negligence is my problem, not their 's ( that 's not true in all States ).
|
| 03/30/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
I applied for a vehicle loan in XX/XX/XXXX with XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, GA. The loan was approved with collateral of the vehicle, however, the loan officer, XXXX XXXX XXXX XXXX told me that the bank wanted a Certificate of Deposit in the amount of {$5500.00} to be held for 12 months. Within that 12 months of payment history, if I paid on time the bank would release the {$5500.00} certificate of deposit. The CD 12 months period matured on XX/XX/XXXX, however, when I went to the bank today to retrieve my money the bank official stated that the CD for {$5500.00} was to be held for the entire loan period of 48 months or until I paid off the loan.
The CD for {$5500.00} was not to collateralize the loan. I have the executed " Note, Disclosure, and Security Agreement '' that shows that the vehicle only was to secure/collateralize the loan.
|
| 09/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a new checking and savings account at First Citizens on XX/XX/XXXX, with a promotion to earn {$300.00} bonus after meeting certain terms. I met all of those terms on XX/XX/XXXX, and still as of XX/XX/XXXX have not received the advertised {$300.00} bonus. Attempts to discuss this with representatives at First Citizens on XX/XX/XXXX by secure messages on their website, and on XX/XX/XXXX by phone, were unsuccessful. Representatives indicated they had no knowledge of this promotion or that this promotion was not attached to my account. When I opened the accounts, I used the direct link to apply for the bonus ( see attached screenshot - " OPEN NOW '' ). There was no field or option to enter any promotional code on the application form, so the link I clicked ( attached screenshot ) should have been adequate to apply properly for this promotion.
|
| 06/09/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
First Citizens Bank accepts payments online for HELOC loans. When an extra principal payment is made online, before the loan 's interest due date, First Citizens Bank takes all of the interest that would be owed up until the next interest due date out of that principal payment. First Citizens Bank does not offer a way to make a principal payment only online and they are not re-amortizing the loan before taking interest. Your next interest payment should re-amortizing based on the new outstanding balance. First Citizens Bank is taking future interest that has not yet accrued out of all HELOC loan payments made online. If a customer does not realize First Citizens Bank is doing this, and go in and request they payback the overcharged interest, First Citizens Bank keeps the extra interest they took. This, in my opinion, is stealing from customers.
|
| 08/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
First Citizens bank ran a promotion back in XX/XX/XXXX for new customers to qualify for a {$300.00} bonus upon meeting certain requirements detailed below Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : - Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening - Enroll in eStatements - Open a new savings account I opened both checking and a savings account with them on XXXX XXXX and have met the requirements to qualify for the bonus by receiving deposits of {$1000.00} through direct deposit from my employer. After following up with the bank a few times about the bonus, they have not yet credited the bonus and denied it.
I am entitled to receiving the bonus based on the terms listed and need your help in this regard.
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
|
| 08/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
First Citizens Bank had a checking sign-up bonus promo of {$500.00} : " Earn {$500.00} when you open a new Premier checking bundle and complete the following requirements : - Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days - Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening - Open a new savings account '' The timeline for me is : - Opened and funded checking + savings accounts on XX/XX/XXXX with combined balance of {$15000.00} - Completed 10th debit transaction on XX/XX/XXXX I called the bank multiple times to inquire. One rep told me I qualified but would have to wait for the bonus to post. Other reps told me they would look into it, but never got back. I would like my {$500.00} sign-up bonus.
|
| 06/23/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XXXX, I was scammed into signing a car loan agreement. At the end of XXXX, I received a letter from a debt collector saying we are trying to collect a debt you owe to First-Citizens Bank & Trust company XXXX We will use any information you give us to help collect debt. So I called them and talked to them. Then in XXXX a deputy came to my address and served me and I had to file with the clerk of the state court and serve the plaintiff 's attorney. I was served on XX/XX/XXXX. So I reported my identity theft to the police and even went to the DMV 's website to see if there was a car in my name. My MVR report shows me that there is no car or driving history in the state of Georgia in my name. And I updated the debt collector to let them know and the debt collector told me I would still have to sign the writ of possession.
|
| 10/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/2020, I opened a Checking and Savings account with First Citizens bank. This was opened with an opportunity to earn {$300.00} with the following requirements : 1. {$50.00} minimum opening deposit 2. Open a savings account 3. Direct deposit at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening.
4. Enroll in estatements I completed my 10 debit transactions on XX/XX/2020 and made sure to enroll in estatements, a savings account, and also deposited just over {$50.00} between my two accounts. It is now XX/XX/2020 and I still have not received my account bonus. I have read that a lot of people that also enrolled in this offer have also not received their bonus without filing a complaint. I met the terms and conditions of this offer - I need First Citizens to meet theirs.
|
| 07/19/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I had a CIT XXXX account and closed it on XX/XX/2022 and transferred my funds to a new XXXX Account. In order for me to withdraw any of my funds out of my XXXX account, XXXX needs to verify via telephone the ownership of my CIT Account. CIT 's phone connection wait times are 100 minutes or more. I waited on the phone for CIT with a XXXX representative, for 2 hours on XX/XX/XXXX, and then CIT disconnected the call. XXXX has tried every business day for a week to contact CIT Bank by phone, but CIT is not available. Therefore, I am unable to access any of my funds in my XXXX Account because XXXX has a hold on it until they can verify my ownership of my CIT Bank Account. I am trying to close an escrow and need access to these funds or I risk losing my $ XXXX deposit and the purchase of my real property. Please help.
|
| 07/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I contacted this company about a debt from a " loan '' that they say I owe. I am a federally protected consumer and they have violated my consumer protection rights. Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ). They have violated several laws Truth in Lending & FDCPA. All of the laws that they are in violation of are listed in my attached letter. I demand that they XXXX out the balance and remove all negative remarks to this account and also contact ALL of the consumer reporting agencies that they have this account reporting to and have them delete the account. I also never gave this company permission to send my information to any consumer reporting agency which is another violation.
|
| 08/02/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Several weeks ago I applied online for a savings account. I completed all of the necessary information to open the account and have it funded with {$75000.00} coming from my primary checking account.
On XX/XX/XXXX I received emails for TWO checking accounts that were opened, each for {$75000.00}. I never authorized two accounts ( the bank has acknowledged this ) and by the time I noticed this mistake, {$150000.00} was deducted from my accounts. This caused an overdraft in my primary checking account as well a depletion of funds from another account that was linked to my primary for the purposes of over draft protection.
More importantly, this is now leaving me and my wife without funds to pay our bills. We have addressed this with the bank who is declining any expedited way to refund our money.
|
| 12/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2019, 3 unauthorized ACH transactions occurred in our checking account in the amounts of {$2100.00}, {$6100.00} and {$5200.00} We reported the unauthorized transactions to First Citizens bank on XX/XX/2019.
The bank refused to refund our money insisting that we didn't report the error the next business day.
The online banking doesn't show up until the day after, so we wouldn't have the ability to see the transaction until XX/XX/XXXX. The bank was closed on XX/XX/XXXX. So we did in fact report the error the next business day - XX/XX/XXXX.
The bank is not refunding our money that they allowed to be withdrawn without our consent.
Even if we had waited an extra day - the bank 's policy is absurd. How can we be expected to check our account daily for fraud? Especially over a holiday.
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Item 2 : - Account Name : XXXX XXXX - Inquiry Date : XX/XX/2023 - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Item 3 : - Account Name : XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/2023 - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Item 4 : - Account Name : FIRST CITIZENS BANK AN - Inquiry Date : XX/XX/2023 - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
|
| 10/07/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
Over the last several months it has become virtually impossible to access our online account with CIT Bank On one occasion we were able to talk with a rep that supposedly fixed it.
I have the correct pass word etc. but can not log in. The help link just starts the process over an over again.
The phone XXXX they provide for help, is the same # on my bank statements.
When calling the number there is always a XXXX min. or longer wait time.
I have banked ( CD ) with Cit Bank for many years, perhaps XXXX, and had no problems in the past until this started many months ago.
We are retired on Social Security, and our account has a balance as of XX/XX/22, of {$260000.00} and I want to transfer it to our Bank account on record, rather than do any business with XXXX again.
|
| 09/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
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In order to earn new checking account bundle bonus {$300.00}, on XX/XX/XXXX, I opened Free Checking with {$1000.00} deposited and e.Savings with {$50.00} deposited. I am not the current or prior customer of First Citizen Bank. Within 90 days of account opening, I completed 10 debit card transactions before XX/XX/XXXX and also enrolled in eStatements when the accounts were open.
I contacted the bank by sending the secured message on XX/XX/XXXX but as of today, there's no update of the issue. I am supposed to receive the bonus within 120 days after all qualifiers have been met. However, it's been 177 days and almost hits 180 days next Tuesday since the accounts were open. Both of my checking and saving accounts ' balance are still have more than {$550.00} as of today.
|
| 07/28/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
On XX/XX/2021 my father passed away and we began the difficult process of disbursing his estate. A small IRA was held at OneWest Bank, now First Citizens. OneWest refused to allow funds disbursed to an Inherited IRA outside of OneWest bank, despite the fact that other financial institutions did allow this and that I do not live within OneWests footprint and could never visit a branch. Additionally, OneWest is paying almost zero interest and refuses ( 1 ) to provide any investment options and ( 2 ) to adjust the interest rate despite the significant the current rapidly increasing rate environment. In order to consider raising the rate, they insist that I visit a branch. I am an elderly woman feeling taken advantage by this bank both in forcing me to go into a branch.
|
| 10/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
This debt was a {$200.00} overdraft from Best Bank in Georgia from XXXX, which has gone out of business. I am in the process of fixing my credit myself and undisputed alot of old items on my credit report. These people called my mother, niece, my brother, and my sister in-law, and told them different things like there is a warrant for my arrest, and told my niece I am involved in a domestic abuse situation. They gave them a case number to give to me. When I called they threatened me again with a warrant and told me if I didn't pay there's a chance they can arrest me. Since XXXX I have gone thru XXXX XXXX and for them to call my whole family and get everyone upset thinking that I committed a crime is horrible and it gave me anxiety. Now they are calling my job.
|
| 01/04/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
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I made an online purchase using my debit card on XXXX XXXX 2015. The merchant did not have one of the items I ordered in inventory, and said they issued a {$10.00} credit for the item. I have never received the credit. I talked to the merchant and they said everything has processed on their end, and there was nothing more they could do, and to call my bank. I called my bank, and they said there is nothing they can do. My understanding is that the bank has an obligation to investigate any reported error, however they refused to do so. They said my only option is to return the part of the order I did get and get a refund for the entire order, or dispute any incomplete refund from there. This does not make sense. I feel the bank has an obligation to investigate.
|
| 06/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
My checking and savings account with First Citizens bank was closed without notification a few months ago and a check was sent to me for the remainder in my account. The problem is I was not notified of this and when I received a notice from the post stating I had a letter to pick up I did not make it a priority as I did not know a check was supposed to be arriving via post and so it fell to the wayside. I have contacted the bank multiple times to find a resolution and the most current suggestion as of XXXX was to leave a message for their investigator to determine the location of the check that might have been sent back from the post. I am missing XXXX dollars from this bank and they are failing to do anything to ensure I receive this in a timely fashion.
|
| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I had a LOC with First Citizens Bank which was originally included in a ChXXXX bankruptcy originally filed on XX/XX/XXXX. The bankruptcy was discharged in XXXX XXXX when I began paying the bank directly again. From XX/XX/XXXX until XX/XX/XXXX when my home was sold and the balance was paid in full, I was never late with my monthly payment. Currently First Citizens Bank is incorrectly reporting to XXXX a late payment in XX/XX/XXXX. XX/XX/XXXX I closed on the sale of my house and the outstanding balance of this HELOC was paid through closing. Furthermore, the status of this loan states included in bankruptcy. Its been11 years since the bankruptcy was filed and 8 years since the bankruptcy was discharged and shouldnt be referenced at all on my credit report.
|
| 08/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have moved. I want to pay off this loan so I can sell the vehicle. I need the title to come to my new address.
I have been trying for XXXX days to get the address updated. Starting on XX/XX/XXXX.
They requested documentation proving new address. I sent them a copy of my latest bank statement with current address.
XX/XX/XXXX I asked when will this be done. XXXX is unavailble.
XX/XX/XXXX I asked when will be done. Reply = Soon. I ask could I speak to a supervisor, Told none available.
What in the actual # # # # is going on???? I can not move forward without a simple address change.
XX/XX/XXXX went to XXXX of their branches, told their system will not allow them to pull up the account. WHAT????????
Bank is CIT Problem still unresolved
|
| 12/15/2016 |
Yes |
|
|
|
Web |
Older American |
|
In XX/XX/XXXX a fixed APR of 7.99 % was offered to me by the person who opened a credit card for me with First Citizens Bank. I received an activation letter with the credit card enclosed confirming the 7.99 % APR ( letter enclosed ). I transferred a balance to this card. There as been to other transaction on this card since it was opened. There as never been a late payment. The credit card company is now billing me at the rate of 8.24 %. I had XXXX conversations by phone with the credit card company on the morning of XXXX. I was told in both conservations that the credit card company has no record of my rate ever being 7.99 %.
A quarter percent here, a quarter percent there, adds up to millions. Think that is why they ca n't find the records?
|
| 11/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
My old bank ( XXXX Bank ) was bought by First Citizen 's Bank. The type of account that I had was marketed as no-fees. First Citizen 's honored the no-fees for 30 days but not did not properly inform customers when they discontinued the service and began to charge overdraft fees.
Their online account balances have been out sequence, they are charging ghost fees 3-5 days later that are not showing up until after you've made transactions based on the out of sequence balances. They also are adding services that have not approved of and withdrawing the charges from the account.
Their retail business staff has been deterring personal account holders from applying for personal loans by telling them that personal loans aren't available.
|
| 09/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/2020 I opened a checking and savings account with First Citizens Bank of XXXX It was advertised that I would receive a {$300.00} bonus for opening both accounts and doing 10 debit transactions. I completed all the requirements and have contacted the bank and still have not received the promised {$300.00} bonus. It has been almost 5 months since I met the requirements of the promotion and when I ask about it they state : " Thank you for your message. We appreciate the opportunity to respond to your inquiry. We do apologize for the inconvenience this has caused. We have forwarded your information to the correct department to inquire about the promotional credit. We will contact you when we receive a response. '' Thank you.
|
| 05/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I recently opened an account with CIT BANK on XX/XX/23. I made 4 transactions on the account and then was promptly locked out of my account. I called costumer service and found out that my account was " under review '' and I was not allowed to access the account. When I asked the nature of this review, I was told that they did not know and that there was no one I could contact. I was told that a review board would render a decision ony account and it would take up to 90 days XXXX do so.
I was not informed of what kind of issues concerning my account could lead to the review. I have been given no contact number to the review board. CIT Bank has my money, won't allow me to access that money, and will not even explain why.
|
| 10/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
I have a savings account with XXXX XXXX. I attempted to initiate a wire transfer from my account to pay a dealership for a vehicle on XX/XX/XXXX. The wire was canceled on XX/XX/XXXX due to fraud concerns despite the fact that I had verified my identity multiple times and called several times asking why the wire wasnt moving forward. I was told the fraud concern stemmed from my changing phone numbers on XX/XX/XXXX. XXXX XXXX has refused to provide a way for me to refute the fraud concerns and I am unable to wire money from my account for the foreseeable future. The only way I can access the money in my account is them sending a paper check to me or ACH transfer. Neither on helps me pay the dealership in a timely manner.
|
| 12/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XXXX XXXX, 2017, contacted First Citizen Bank. Checks were ordered but I had not received them. Spoke to customer service with no results. I was even told that the order might not have been placed ... Nonetheless, when I looked on my account the bank had taken {$1.00} ( XXXX XXXX ) from my account. When I made an inquiry in reference to this, I was told that I had to pay this fee for there service. I have had this account for over 3 ( three years ). Never charged for any info until now. So if I need any assistance from this bank, I will be charged??? Insult to injury because I could n't even order checks online because they would n't accept the routing number ... so you figure it out. I am terribly disappointed.
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is not a duplicate item. Nor was the last case submitted to you all. Any further attempts to not submit the requested information will result in legal action. Several collection agencies have contacted me stating that your company sold them debts for all closed accounts with XXXX XXXX. I believe that I am victim of undue harassments. In accordance with the FCRA and FDCA, please send the following : -A list of fees that were charged to the account -when the accounts were closed -Who did XXXX XXXX sell the debt to and when was it sold. -Does XXXX XXXX or First Citizens Trust have any interest in the debt and if so please provide any contact information on who to contact to settle any balances that may be due
|
| 05/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I have 4 accounts with CIT bank since many years, On XX/XX/XXXX I had problem accessing my account online, I called the customer service and they informed me that my accounts are in process of closing and some one will call me in 2 days without any reason given, I waited and called them on XX/XX/XXXX they informed me that i will get response by mail, i received no response on XX/XX/XXXX I called them again supervisor name XXXX XXXX XXXX said they are in process of closing the all accounts and it will take 10 days, they refused to give me further assistant. I have 4 accounts total amount totaling {$200000.00} approximatlly. I am senior citizen and need accessto to money and i am not able to get any assitant.
|
| 08/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened my checking account with First Citizens Bank as a result of a promotion they were running. The promotion details included opening a checking and savings account with at least {$50.00} at account opening. Customers would receive {$300.00} as a bonus if they either had {$1000.00} in monthly direct deposits OR had 10 debit card Point of Sale transactions within 90 days of account opening.
I had 10 point of sale debit card transactions completed by XX/XX/20. The terms stated the bank had 120 days from the time criteria was met to pay the bonus. 120 days from XX/XX/20 is XX/XX/20. There was no bonus posted by that date. I contacted the bank via their website on XX/XX/20 and was not given any assistance.
|
| 05/08/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
XXXX XXXX sold their banks to First-Citizen s Bank & Trust Company , XXXX , NC. My direct deposit on XXXX / XXXX / 2017 was not received, causing an overdraft of {$37.00} and I was charged a fee to high for a program I was part of, paying {$7.00} a month fee. If I was over drawn I was charged an aditional {$2.00}. My account is {$190.00} overdrawn. Why were the ccustomers NOT notified. I am changing to another bank and receiving a check from the company that pays me 2x a month.
I was unable to go into my investment acoount to pull mony out on Friday XXXX , 2017. It was too late in the day when I discovered XXXX was sold. I had Banked with XXXX XXXX for 10 years.
|
| 11/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
First Citizen Bank - XXXX, Oregon Location.
When I tried to open the Checking Account with First Citizen Bank at XXXX Branch on XXXX/XXXX/XXXX using {$200.00} Promotion when opening account, The manager? first did not give the " Notice of Action Based on Information Contained in a Consumer Report. I had to ask him to print out the notice then he printed out the notice. However, there was no name of the bank on the Notice, so I asked him to put the Bank 's Name. But he refused. I went bank second time but still refused. Is the Bank allow to not providing without their bank name? I need to have their Name of the Bank in this Notice to prove I was not able to opened up Checking Account with the Promotion.
|
| 02/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I am on XXXX. I have overdrawn my account several times. Today I was told my account was being closed because of overdrawn. In fact I was lo ked out of my online banking this morning and had to call customer service with First Citizens bank. When I was able to log in, I noticed an unfamiliar deposit. I figured it was a mistake. Tried to log in later this afternoon XX/XX/2023, only to get a notice to call the investor of fraud for my bank. I have never seen or k ew anything about a deposit. So in reality, the woman was closing my account not because of overdraft but because of a check deposited into my account. She never even gave details on the account or the check.
Respectfully, XXXX XXXX XXXX XXXX
|
| 12/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
On XX/XX/22, I received an email notification from First Citizens bank of a checking and savings account opening I did not request or authorize. Per the email, the checking account ending XXXX and savings account ending XXXX. I promptly called and spoke with their fraud department and advised I have been a victim of Id theft in the past and I do have fraud alert on my credit file. They told me the accounts would be closed as fraud ; however, on XX/XX/22 received an email alert today from their bank that my monthly statement is available for view. I have XXXX confidence that the bank took appropriate action to close the accounts. Why am I receiving email alerts for the accounts reported as fraud?
|
| 08/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I mailed payments for my VISA and over draft protection on XX/XX/2021 via USPS Priority Mail, tracking number : XXXX. Tracking indicates it was picked up from the Post Office on XX/XX/2021 but not posted to my credit card balance until XX/XX/2021.
I contacted First Citizens and was told I had to allow the time to sort, etc. This is incorrect as XXXX Payments clearly states.
( a ) General rule. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section.
I have also requested them to close my account which they have refused to do.
|
| 12/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I received a credit monitoring alert that my First Citizens Bank Auto Loan was " Closed '' and that the balance had increased ( see attached screen shot ). My account is not closed and I have never missed a payment ( see attached First Citizens Account History ). I contacted First Citizens about the issue and they advised they were aware of the issue and were working to correct it. I sent a second email and asked if they were aware why didn't they contact their customers to advise them of the situation. I received the exact same " canned '' response from a different rep. I have received no other communication from them and as of today 's date XX/XX/18 the issue still shows on my credit report.
|
| 08/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my Free Checking and savings account online on XX/XX/2020 under an offer to receive {$300.00} after completing the following steps : " Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account '' There was no place to enter a promotional code or any other indication that I would not receive the bonus as promised.
I made the 10 debit card transactions and it has been 120 days since all requirements were met ( XX/XX/2020 ). The banks terms said I would receive the bonus within 120 days. I have contacted the bank and they did not respond either way about this bonus.
|
| 09/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I noticed on XX/XX/28 that First Citizens bank has been charging me {$10.00} for last 9 months like I didn't have above {$1000.00} in my account. It is a small money market account that I don't really touch or look at much but I tried cashing a check today and I noticed balance was {$910.00} and when I called the bank they explained the fees and they admitted they were errors but they said it is my responsibility to keep up with those and they can only credit back {$10.00} for this month. I got upset as this is not right and to avoid more incorrect fees I went to the branch and when they didn't offer the solution I closed the account. Hoping to recover {$90.00} they stole from me.
|
| 01/13/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
In XXXX 2015 I used my First Citizens online bill pay service to pay several bills. First Citizens returned the bills as unpayable, even though I had more than enough money in my account to pay them. I have made repeated phone calls to correct this, and was told something different each time. Each time I was assured that the problem was resolved and the creditors were paid. I am now getting collection notices from XXXX of the creditors, as well as late fees and damage to my credit report.
I am attaching my First Citizens bank statement for that month to show a balance of over {$20000.00}, as well as the notice from XXXX of the creditors stating that my bank had denied payment.
|
| 06/20/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Web |
Older American |
|
The bank is first citizens bank head quarter at XXXX XXXX XXXX, XXXX, NC XXXX and we have been dealing with the branch located at XXXX XXXX XXXX, XXXX, NC XXXX the problem we have is that my mother in-law passed away and after opening her safe deposit box there are 2 Certificate of deposits that the bank can not locate in there records or can not show that have or have not been redeemed. I have the original XXXX XXXX, the 2 of them are over XXXX dollars and one is from XXXX and one from XXXX. First Citizens tells us they don't keep records over 7 years. My mother in law was very frugal lady, and saved these XXXX XXXX for her kid 's inheritance and the bank will not honor these.
|
| 08/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
In 2017 XXXX ( the bank i was previously with ) failed. I was sent a statement for overdraft fees from a credit building plan i was unaware of. I was given a number to a bank I never did business with named First Citizens Bank. I have contacted/been inside this bank to pay them over over 10 times since 2017. My issue is they wont allow me to as they seem to not know who I should pay. This has caused me duress with my XXXX reporting for a very long time.
XXXX : XXXX Account : XXXX Date of closure : XX/XX/2017 Charge off amount : {$140.00} Old Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone number : XXXX New Bank Information First Citizens Bank XXXX
|
| 12/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I made a deposit at my local First Citizens bank ATM in XXXX, NC on XX/XX/2020. The next morning, the funds were available in my account but then disappeared later that day. I called the branch and received a variety of stories over the next week, ranging from the bank lost the check to the check was placed on indefinite hold.
The check was my payroll check, it cleared the issuers bank on XX/XX/2020, and as of today has still not been deposited into my account. The bank states that there is an " indefinite hold '' placed on the check but I was not advised of this at the time that I deposited the funds, in fact, the ATM said that they would be available the next business day.
|
| 08/21/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
1. Opened a premium checking bundle as advertised on the main landing page of first citizens bank to get the {$500.00} sign up bonus after fulfilling the following conditions Earn {$500.00} when you open a new Premier checking bundle and complete the following requirements : Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening Open a new savings account 2. Both the above conditions have been met and multiple emails and phone calls to the bank from last 2 months have got no positive response on the bonus
|
| 08/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
1. Opened a premium checking bundle as advertised on the main landing page of first citizens bank to get the {$500.00} sign up bonus after fulfilling the following conditions Earn {$500.00} when you open a new Premier checking bundle and complete the following requirements : Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening Open a new savings account 2. Both the above conditions have been met and multiple emails and phone calls to the bank from last 2 months have got no positive response on the bonus
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| 08/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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Web |
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I opened a premier checking account with First citizens bank. Then on XXXX send them a mail after talking to them that convert into a free checking account. But it is still not done. To my surprise this bank charges for phone calls made to it for customers ( they say that they do n't charge for the first XXXX phone calls but then charge {$1.00} even for automated system ) ... this is absolutely ridiculous way of making money.
Till now my online account says that it is not converted into the free checking account. Why??? Moreover because the online website is not good - customer will be calling to make sure but will they be charged? Where in the world these folks are living?
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| 04/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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We received a letter from First Citizens Bank XX/XX/2020. They bought our mortgage from XXXX XXXX a year or so ago. They want us to pay an exra XXXX in addition to our regular mortgage payment for deferred interest on a payment we had when we were with XXXX. 2 weeks ago i spoke with them because they sent me a bill for XXXX saying that i had overpaid my mortgage. I pay extra every month and am never late or behind on my loan. The point of this is during the COVID 19 crisis this is totally unethical and unscrupulous. What if we had no jobs? What if we were on a fixed income or had lost our income due to COVID. These people are sharks and should be ashamed of themselves.
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| 08/17/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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OnXX/XX/XXXX I opened a premier checking bundle online with First Citizens Bank in respond to their new account promotion ( see attached screenshot ). Per the promotion term, earn {$500.00} when open a new premier checking bundle and deposit and maintain a combined checking and savings of $ XXXX for 90days, and make 10 debit card transactions within 90days. I have met all the requirements but never received the {$500.00} bonus. When i contacted them to inquire about it i was given no response other than diverting me to the local branch for help, even though there is no branch in my city. I'm shocked by their lack of care and indifferent customer service attitude.
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| 08/07/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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The bank is First Citizens. I opened a premier checking account and saving account online on XX/XX/2020, and completed the deposit ( $ 15,000+ ) on the same day and spending requirements ( 10+ debit transactions ) by XX/XX/2020 per the terms of their their welcome bonus of {$500.00}. In the term, it says the welcome bonus will be deposited into the checking account within 120 days, but it has been over 120 days and I still haven't received the bonus. I called the bank 's customer service line but the rep was not able to fix this and asked me to contact local branch. This was an online offer and I don't think there is any branch in CA. So I'm seeking help on CFPB.
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| 08/10/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Opening an account
- Unable to open an account
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Web |
Older American, Servicemember |
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I tried to open both a savings account and a CD for my elderly ( XXXX XXXX ) father. I applied with two different online banks to get a better interest rate than he was getting locally.
CITBANK which is First Citizens Bank sent me a refusal email ( attached ) after I filled out all the application papers online, and gave out his funding banks information over the internet.
Same exact think happened when I tried to apply for a high yield savings account with an online Bank out of XXXX XXXX called XXXX! Can you tell me whats going on, is this an age discrimination thing or what. Why do they have the option of choosing who they can or can not do business with?
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| 10/07/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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In XX/XX/2020, The First Citizens Bank publicly posted the online offer for new checking and savings account bonus of {$300.00} when the requirements are met.
The requirements include opening both checking and savings and direct deposits.
I live in Texas, eligible for the offer and opened accounts on XX/XX/2020, also set up direct deposits from my employer payment. Up to now, I have at least 20 direct deposits, they are all qualified direct deposits.
Up to today I am still waiting for my bonus.
I called the bank today and was told that I need a mail-in promo code to open the accounts. The bank is scamming the terms and making false claims on the terms.
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| 08/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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On XX/XX/2020 opened account in response to promotional offer that provided {$300.00} bonus if completing the following : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account I completed the 10 debit card transactions on XX/XX/2020 and opened the savings account and enrolled in estatements and bonus was said to be paid within 120 days which would have been by XX/XX/2020. As of today, XX/XX/2020 no bonus has posted to the account
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| 08/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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First Citizens Bank was offering a checking bonus of up to {$500.00}. Earn {$500.00} when you open a new XXXX checking bundle and complete the following requirements : Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days ; Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening ; Open a new savings account. The bonus should be posted within 120 days of meeting these terms. Detailed terms and conditions is attached here as well. I completed all the conditions on XX/XX/2020. More than 120 days passed, but no bonus was rewarded yet.
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| 03/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
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|
Web |
Older American |
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I saw a 4percent rate advertised by CIT bank so I opened a acount and transferred XXXX to the acount a week later I could not access the acount I called CIT and they said the account was closed and they would return the money back to the funding institution. They refused to say why kept saying I will get a letter which never came. The acount was opened on XX/XX/2023 and was funded the next day. Called again on the XXXX and they said it takes 30 days to refund the account. I explained I never got my money or a letter explaining what happened. They would not tell me. I then filled a complain with the fdic which apparently they turned over to you
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| 10/21/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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Have a large amount of funds in this bank and can not access my account. Have tried to call many times and it is over an hour wait each time and the problem does not get resolved. Received an email that they will not even send me my statements due to one being returned. My address has not changed, my email has not changed but they continue to deny me access to my own money. I do not know where to turn. I have filed a complaint with the California Attorney Generals office. I really need access to these funds as I would like to purchase a few CD 's now at other banks. They seem to be shutting me out of my money and many others. Please help.
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| 08/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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|
Web |
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On XX/XX/XXXX in the evening I could not access online banking to make any online bank transfers. The online digital bank access was down for site maintenance until XXXX XXXX. As result, I was charged a substantial overdraft fee {$100.00}. The bank representative claimed there were no alerts to show site down but on my side, it was clearly down no access to digital banking. They were not willing to investigate with XXXX and not willing to reverse these fees as it is not my fault they elected to do system maintenance for over 5 hours leaving me the consumer crippled to conduct banking. First-Citizens Bank is not very consumer-friendly.
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| 09/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
Older American, Servicemember |
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Unauthorized amounts were drafted from my checking account on XX/XX/XXXX and XX/XX/XXXX both in the amount of {$1000.00} totaling {$2000.00}. The reason it went as long as it did was because I was working away from home. When I realized what was happening I contacted XXXX ( XXXX XXXX XXXX XXXX XXXX ) by phone on XX/XX/XXXX and complained. I then sent a letter to them on XX/XX/XXXX explaining the situation and what had happened. I got a returned letter that said request denied. Without any approval from me XXXX not only extended the duration of a policy for me but increased the premiums over ten times the previously agreed upon amount.
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| 07/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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|
Web |
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Despite never, during my 9 years as a customer, being opted in for overdraft services on my checking account, First Citizens Bank explicitly applied XXXX overdraft charges to my checking account on XXXX/XXXX/16 totaling {$72.00}. This was apparently due to a trio of non-reoccurring purchases made over the two previous days using my debt card, totaling approximately {$13.00}. I contacted customer service to see if the problem could be resolved, but they declined to waive the fees. According to their own Basic Overdraft Service Disclosure, they had no choice but to decline the purchases, knowing I 'm not opted in, but they did n't.
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| 09/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
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|
Web |
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On XX/XX/ I received a letter by mail ( dated XX/XX/23 ) saying my account was being closed and a physical check would be mailed to me. Letter did not specify reason for closure. I contacted customer support and they did not know the reason for closing the account but referred to the letter. I asked if they can electronically send my funds to me instead of mailing a check. They have not confirmed if this is possible and are saying I will receive a check within 10 days. The account had a sizeable amount and a 10 day delay equates to hundreds of dollars of lost interest where they have the funds but will not be paying me interest.
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| 04/19/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
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|
Web |
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I am a victim of Identity theft. XXXX XXXX that is now closed. I disputed this back in 2016 and and I am trying to open up a account with a new credit union and I am told I I owe XXXX {$460.00} dollars. I contacted XXXX XXXX and they are now investigating it. My issue is that I disputed this 3 years ago and the Credit bureau fixed it but except XXXX XXXX. It has been almost a month since I contacted XXXX XXXX and they have not gotten back to me. XXXX XXXX is no long open They are now Called First citizens bank and I contacted them they said they have no trace of this debit. I just want to open a new Bank account.
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| 02/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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|
Web |
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I have had a business online banking account with First Citizens Bank for years. In XXXX of 2021, First Citizens changed their BOB system and began charging a $ 15 monthly fee. I did not request the change and I did not consent to it. The account charged was an account that had all payments automatically deposited and bills automatically drafted. I did not notice the change until reviewing statements in XXXX when I noticed {$160.00} of charges. I requested the BOB account be changed to the personal system and a refund of the charges. I was refunded {$90.00}. I am requesting a refund of the remaining {$75.00}.
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| 06/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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|
Web |
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I am a representative for my daughter accounts, both accounts are negative one is negative XXXX $ and the other is negativeXXXX $ .I never ever was able to use overdraft on her accounts.So we shouldn't be charged nsf fees the bank froze both accounts on the XXXX of XXXX because they said the debit cards were not in the system on her accounts But XXXX first citizen ordered the cards as a result of the freeze her social security didn't come the XXXX XXXX of XXXX therefore I couldn't pay cashadvance on the due date which is the XXXX to be able to advance to get more money to pay my bills and pay my car repairs.
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| 09/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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I opened a new free checking and savings account on XX/XX/2020 with First Citizens Bank. I signed up through a promotion that stated I would earn a {$300.00} bonus by making 10 debit card transactions and enroll in eStatements. I have met these terms as of XX/XX/2020. The bonus terms stated that the {$300.00} should be paid out within 120 days. As XX/XX/2020, the bonus has not been paid. I contacted the bank through secure messaging on their website on XX/XX/2020 requesting when the bonus would be paid, but they have not answered my question. I am now filing this complaint on XX/XX/2020 to seek a resolution.
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| 02/06/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
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On XXXX/XXXX/2016 I obtained a Mortgage for the amount of $ XXXX for the building that I perform my business from First Citizens Bank XXXX
Bank is implementing coercive actions to force me to transfer my business accounts that I have with XXXX to them, although we went through all of my accounts and they can not match the service and the term that I currently have with XXXX, otherwise they will increase my mortgage rate by 3 %!! I keep receiving threatening phone calls and letters from First Citizens Bank. I believe this is an illegal business practice and I am asking you to advise them and make them stop.
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| 11/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
Older American |
|
I inherited a mobile home park when my mom passed away XX/XX/XXXX.
I have a mobile home that is a XXXX XXXX, XXXX number : XXXX, XXXX. This home was bought my my dad who passed away in XXXX. The bank was XXXX XXXX XXXX in XXXX Va. This bank has closed and or bought out by First Citizens Bank & Trust out of XXXX NC in XXXX.
Their phone number is XXXX.
Fax number XXXX.
I need a lien release on this home so I can get a title.
I faxed all paperwork to First Citizens last XXXX. I have not received a call or email.
My email address is : XXXX My phone number is XXXX My name is : XXXX XXXX XXXX
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| 05/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
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XX/XX/2022 Just Received a letter from XXXX XXXX XXXX from XXXX SC First Citizens Bank branch. The letter informed me now they are closing all my accounts, its comical because I called them out on them stealing my money and now they just want to close my accounts? It seems like to me the discrimination and the lack of competency has become too much for this bank and this branch specifically to handle. I have had many banks in my life and this bank is by far is the most incompetent, disloyal, and consistently demonstrates a lack of integrity in all their affairs. This Bank shouldn't even exist.
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| 04/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
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On XX/XX/2021 I went to a no fee XXXX XXXX XXXX ATM Machine '' which is also a XXXX XXXX XXXX ATM, which doesn't charge fees by using a bank card, but my bank First Citizens Bank decided to wait until XX/XX/2021 to charge me {$2.00} for using an out of network ATM, but the ATM I used doesnt charge fees, so by federal law a bank nor credit union can either! Plus, First Citizens Bank charged me {$17.00} something they aren't showing on my bank statement same day of XX/XX/2021 is when I paid {$39.00} to XXXX XXXX XXXX whom messed up my debit card so I couldn't get my XXXX Benefits in XXXX.
|
| 08/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened my checking account on XX/XX/2020. They had a promotion for a {$300.00} sign up bonus upon meeting the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account.
I met and exceeded these requirements. I followed up with the bank and they denied the bonus. Based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around XX/XX/2020. They have not been helpful at all.
|
| 07/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX I deposited a large check and was told it would be held 5 days I asked why they said its policy I said well you just hold it till it clears right she said no 5 business days what gives a bank the right to hold funds from me that have cleared this is obscene in a constitutional democracy I understand holding it till it clears but banks use privilege given to them by the federal reserve to punish and discriminate the fact is with todays technology the banks receive the funds almost immediately to hold your money after they have received the funds is and should be criminal
|
| 08/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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On XX/XX/2022, First Citizens Bank put a charge of Reimbursement on my Account because I had a credit charge of {$25.00} on it for a long time. It's been almost 9 months, and I still haven't received that money in form of a check, or transfer to my another account already linked to First citizens bank. I have not received that Credit Reimbursement money in any form, and it's been a long time. Please help me get my {$25.00}. Thanks. I changed my address from what's in the attached document to the address I will enter on last page, but I haven't received the money in any of the house.
|
| 12/17/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
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I am approved for a new 1st mortgage and the 2nd mortgage home equity bank First Citizens of North Carolina was asked to subordinate their loan. I was declined verbally for the subordination and given the reason : I am cashing out combined with a XXXX score, however, approved if no cash out, which concerns me for Fair Lending. I also explained that the score does not reflect the recent XXXX mortgages paid in full and as agreed on XXXX/XXXX/2015 for {$500000.00}. The refinancing company also sent the XXXX to show those mortgages are paid and closed as proof and verification.
|
| 08/10/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
Opened a savings account on XX/XX/22. Initiated the ACH transfer for the minimum deposit. Have continuously tried to access my account to no avail. The system will not send me the factor authentication via text. Called and spoke with a bank representative on XX/XX/22. He stated I would receive an email. Still haven't received the email, therefore still can not access the account. I just want to ACH my money back to the linked external account. The bank is completely out of control. Had to sit on hold for hours just to reach someone. These are bait-and-switch tactics.
|
| 11/25/2021 |
Yes |
|
|
|
Web |
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On XX/XX/2019, I received a letter stating that my FHA Mortgage was sold by First Citizens Bank to a third party debt collection agency named XXXX : Effective XX/XX/2019, which was then sold again to XXXX XXXX XXXX. I did not receive proper notification from either company of the transfer and procedure within the 15 days of the sale. This is Identity theft and I didn't give either one of the companies consent. First Citizens Bank Took a Finance Charge from me in a consumer credit transaction. I've been violated in this consumer contract and I demand answers.
|
| 02/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I opened a checking account with First Citizens Bank on XX/XX/2021. I deposited {$50.00} through XXXX. They officially closed the account on XX/XX/2021. They said the {$50.00} would be refunded to the account I opened it with ( external account ). This never happened. I called customer service and they said a check was to be issued to me. Waited 10 business days-NO CHECK. Another call and they said they reissued a check. Still NO CHECK after 10+ business days. Repeated calls to customer service will no resolution. A check shouldn't take this long to receive.
|
| 08/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Recently on my XXXX credit report its showing a old account with first citizens bank that was paid in full back in 2017 when we traded the car the loan is closed and paid in full when I called first citizens bank I submitted a dispute online to XXXX XXXX co whats funny this is not showing on XXXX or XXXX reports just XXXX they said the report was accurate?????? In the dispute sounds like they need to call first citizens bank and get it straightened thanks for your help the account is for XXXX and was paid off XX/XX/2017 the payment was for XXXX a month
|
| 04/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
This is regarding an old account that was closed. I have gained first hand knowledge and understanding that I am and was the original creditor to the account by extending my social security number. It was not disclosed to me that there is/was interest accrued and gained on the account even after closure. There was a breach of contract by failing to uphold fiduciary duties on the banks behalf and there were many illegal miscellaneous fees and charges applied to my account causing me to lose equitable interest and causing damage to my name and reputation.
|
| 03/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received an email from CIT bank stating that they need to verify my identity to open an account.
The person attempting to open the account has my name and email.
The person is not me I tried calling the fraud number with CIT and all I get is a bunch of automated options.none of which relate to fraud.
This is the second attempt for someone to open an account in my name. There was one with XXXX XXXXXXXX XXXX several months ago. They wanted my personal information to resolve and I refused. I filed a complaint with my local Sheriffs office.
|
| 06/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I have lost my income, and my First Citizens Business Credit Card is long overdue. On XX/XX/2018, First citizens Bank called my in-laws and left a message about my uncollected debt.
This is unacceptable. I have never lived with my inlaws or listed their number as a way of contacting me. They must have found this information with a XXXX search of my next of kin. I do not want my inlaws involved in my personal financial business. This is a serious breach of confidential information, and it is harassment.
What can I do to stop these calls?
|
| 03/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I completed the online account application process with cit.com on XXXX XX/XX/2023. The application process failed, without providing a reason. I telephoned CIT Bank Customer Service and was told my application had been rejected, but they were unable to provide a reason. I was told someone else would phone me within 3 business days to explain the rejection.
On XXXX XX/XX/2023 I still had not heard from CIT Bank so again phoned Customer Service. They again had no explanation for the rejection. They suggested I submit another application.
|
| 09/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I purchased a company vehicle on XX/XX/2023. First Citizens Bank is the lienholder. As part of the purchase, First Citizens Bank said that they would register the vehicle & get the tags through their XXXX vendor.
As of today, my vehicle is still not registered with the XXXX of Georgia. Ive been in constant communication with my First Citizens Bank XXXX XXXX & even contacted the First Citizens Bank XXXX department. In fact, I have an XXXX XXXX containing XXXX emails between my relationship XXXX & me, yet there still is no resolution :/
|
| 08/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a First Citizen 's Bank checking and savings account as a result of a {$300.00} bonus promotion being offered. The terms state to receive the Free Checking bonus of {$300.00} I would need to open an account, make 10 debit transactions within 90 days of account opening, and concurrently open any new savings account. Upon completion of these requirements the terms state that I would receive the {$300.00} bonus within 120 days. I fulfilled all of the requirements however I never received the {$300.00} bonus within the 120 days.
|
| 02/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
A woman called me from XXXX and told me that I owed {$1900.00} to XXXX XXXX for an overdrawn checking account. I immediately request verification of the debt. She refused multiple times to do that, kept talking over me, then said, " if you dispute this, we will sue you and in court is where we are required to provide you with verification of the debt ''. I continued to argue with her and she hung up on me. She also did not give me any of the disclosures required by law. She said a man would come over to serve me papers right away.
|
| 05/17/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
Hi. My name is XXXX XXXX. My Mom had numerous annuities with First Citizens Bank with me being the sole inheritor. They are all gone, there is nothing left in any of the annuities in my name. First Citizens Bank let my sister XXXX XXXX illegally use Power of Attornet to steal my whole inheritance. I have an attorney and one was appointed by the XXXX XXXX XXXX to be Adminitrator and First Citizens Bank is stone walling the information that the Attornies need to bring a law suit against my sister and possibly First Citizens Bank.
|
| 02/05/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
|
|
Not Approved for a home equity loan due to bankruptcy score verbally by First Citizens Bank. Please provide validation that this bank performs score performance on a regular basis to ensure its accuracy and predictability. I was recently approved by this same bank for a Equity Line using the bankruptcy score.
I provided First Citizens with recent payoff of a {$280000.00} loan from XXXX. They can not determine its negative impact on bankruptcy score. XXXX contacted First Citizens Directly to inform of the reporting error.
|
| 05/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I added my name to my wife 's first citizens Bank checking account. This account had some line of credit associated with the account. I did not sign up for this, nor was I notified that there was an associated balance. I received no bill or notice ( nor that I signed up for a line of credit ). I found out about a balance when I received a credit alert that my FICO score dropped 100 points.
Since I did not sign up for this line of credit, I asked first citizens to remove it from my credit report. They have not complied.
|
| 01/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Servicemember |
|
I was told a check which was a fake check was deposited in my account and had to receive a prepaid card and give them the information. This lead my banking account to be overdrawn and was out of my money.i have a I guess it's a fake contract from this scammer as well as a copy of the fake check from my bank anlong with telephone numbers that at last called are still active. Please contact me at XXXX and I can provide any helpful information that I have to stop this from happening agin or to anyone else. Thank you.
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| 12/17/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
My XXXX XXXX, E-States at XXXX, in XXXX XXXX, CA contracts with CIT Bank to provide PropertyPay service which includes electronic payments as well as automatic payment.
My automatic payment plan was set up in XXXX and never touched since then.
CIT Bank has missed my XX/XX/XXXX payment and I was assessed a late fee of {$45.00} and delinquent interest of {$0.00}.
Both the late fee and the delinquent interest was added to my bill and payment for XX/XX/XXXX which was subsequently automatically paid by CIT Bank.
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| 04/12/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Obtained an in-house mtg with First Citizens Bank XXXX XX/XX/2022. First payment was due XX/XX/2022. Made payments early and principle payments. Principle payments were not applied accurately and charged me interest on principle payment. One payment charged me 100 % interest which is illegal. Charged me a late charge even though multiple payments were shown. No one will listen to me and said they can not fix any mistakes from last year even though I have been trying to get this fixed since last year. I need help
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| 08/05/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
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Closed online account more than a year ago, due to identity theft of financial and personal information. On today requested online setup to learn that several transactions do not appear online nor on bank statements. Placed a call to First Citizens Bank online speaking with XXXX, XXXX, and XXXX to only receive partial but haste and incomplete information regarding account information for Routing XXXX XXXX. Please see attachment of proof that a deposit from the IRS and SC Department of Revenue are in question.
|
| 12/19/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
My bank never contacted me about anything happening with my bank account. I filed that my bank information and cards were lost and they done even have verification of that. There was someone who deposited checks into my account with first citizens bank and withdrawn from it and now they are saying I have to pay back all that money when I wasnt the one who deposited any checks or anything into my account and I feel I should pay for something I didnt do. My name is XXXX XXXX and I'm with first citizens bank.
|
| 03/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I got a letter from a Debit Collecter Service stating that they received a request from First Citizens Bank to collect a debieof a {$100.00} for a return check. I contacted the bank on XX/XX/2018 asking them to give me some details about the check since I know that I have not authorized any check to any individual or Business. The bank refused to give me any details.
I don't understand why the bank collecting a debit of so called Return Check on some else behalf?
I need to know who authorized that check.
|
| 09/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
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I received 3 notices via mail from First Citizens Bank on XX/XX/XXXX regarding deposits into and out of an account on XX/XX/XXXX and XX/XX/XXXX. I do not have any accounts with this bank. After calling customer service on XX/XX/XXXX I was told that a note would be put on the account to reflect my concern and if I wanted further information or to take other action I would have to visit the nearest branch which is XXXX miles away. I will contact the branch via phone to rectify this situation if possible.
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| 09/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
XX/XX/20 The checking account was opened via First Citizens website with a promotional offer of {$300.00}. Very easy terms and conditions to follow, simply use the debit card 10 times within 90 days OR Deposits of {$1000.00}. I have without a shadow of a doubt completed BOTH of the options even though I was presented with an OR option. This bank has not paid me the {$300.00} even though I used my debit card 23 times within 90 days and did my deposits even though they were not a requirement.
|
| 08/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
In XXXX XXXX XXXX I applied to a CIT Savings account. I received an error while submitting my application ( see attached ). I called customer service and reached a representative named XXXX. She advised me to mail a message to the XXXX office requesting needed information to continue my application. I mailed the letter the following day ( see attached ).
Over three months later, I have not received clarification or a response from the bank as to why I could not open a savings account.
|
| 08/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
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After closing my account due to fraudulent charges on XX/XX/XXXX, I was told I would receive my lost money in 7-10 business days in the form of a check. As of XX/XX/XXXX I still have not received a check or any forms of communication about the fraudulent charges inquiry. I also have transactions that were refunded via XXXX to this account that I have also not received compensation for. At this point the fraudulent charges total {$72.00} and the refunds via XXXX transactions total XXXX.
|
| 08/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
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I opened an account with First Citizens Bank on XX/XX/XXXX under a promotional offer to receive a XXXX dollar bonus. I completed all required terms to earn the bonus but have not received said bonus. The terms of the promotion were to open a free checking bundle, enroll in e-statements, open an associated savings account, and utilize the debit card for 10 transactions. These 10 transactions were completed on XX/XX/XXXX, well within the 90 day time frame to complete the requirements.
|
| 09/20/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
First Citizens Bank advertised a promotional offer of {$300.00} cash bonus for opening a Free Checking Bundle. I opened the account through the promotion on XX/XX/2020 and met all the requirements ( minimum balances in checking and saving accounts, 10+ debit transactions ) by XX/XX/2020. It's been six months and the bank has not provided the {$300.00}, which was promised within 90 days of account opening. I've contacted the bank but got bounced around and never received a response.
|
| 08/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened an account with XXXX XXXX XXXX on XX/XX/XXXX. As a promotion for opening an account with them, they offered a bonus of {$300.00} if you made 10 debit card transactions within 90 days of opening, enrolled in e-statements, and opened a savings account. I've included a screenshot of my banking activity to show the opening and transactions. I was due to get paid by XX/XX/XXXX and never received a bonus. I sent a secure message to them and have not received a response yet.
|
| 04/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I had a business account with Silicon Valley Bank that was closed by the Federal Deposit Insurance Corporation ( FDIC ) in XXXX of XXXX. I had a checking account balance of {$620000.00} in my business checking account at Silicone Valley Bank. I have contacted Silicone Valley Bank countless times regarding my business checking account at Silicone Valley Bank. Silicone Valley Bank is unable to locate my account or money. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
|
| 01/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I contacted my mortgage company by phone, to get my information on a total pay off for my mortgage. The total amount for the pay off was giving to me. Once I applied for the load amount to pay of the mortgage loan it was denied. First Citizens Bank of XXXX XXXX XXXX XXXX, XXXX XXXX whom I spoke with at the Bank that holed the mortgage on my home mortgage, reported on my credit, which took 30 points of my credit score. denied my approval to pay of my home mortgage loan.
|
| 07/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This company continues to call about an alleged debt I owe to XXXX. At first it was XXXX XXXX XXXX. They keep saying I will be served at work and home but also claim to have sent a settlement letter to me for the debt. I asked them not to call before and a lady said no. The legal company told me their name was XXXX XXXX XXXX, and the man I spoke to, XXXX was a lawyer. They threatened to have my wages garnished and bank accounts closed, if I didnt respond.
|
| 03/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a Checking account with this bank under a promotional offer under which I would receive a {$300.00} signup bonus as long as I completed the following requirements : 1 ) Make 10 debit card transactions within 90 days of opening acct.
2 ) Enroll in eStatements.
3 ) Open a new Savings acct.
I met all of the above requirements and I was supposed to receive the {$300.00} signup bonus within 120 days. I never received the {$300.00} bonus.
|
| 07/26/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I signed up with CIT bank FDIC number XXXX and it says my login does not work after it took {$500.00} from me when I transferred it to open the account. I have tried calling multiple times and the wait time range from 150 minutes to 345 minutes. I need help. I feel as my money has been stolen from me and I know I am not the only one. If you go on their XXXX you can see other people are having problems as well. Please look into this and help up.
|
| 10/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Servicemember |
|
Emails sent to my sister in law from XXXX XXXX XXXX about my new account opened. I contacted XXXX XXXX XXXX and had them close account.
Then I got a notification by email about me owning a new bank account with XXXX XXXX. Did the same, called them and had it closed as it was not me who opened it.
Now I have a notification by email of an identify verification with XXXX XXXX. Trying to contact them but can't get anyone on the phone.
|
| 04/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I have a Old Vehicle Loan that I took out in XX/XX/XXXX or XX/XX/XXXX that was paid off in Full in XX/XX/XXXX as a Positive Good Standing Account for {$3000.00}. It was Positively building my Credit and was one of my Largest Tradelines. With the Data Breaches it was deleted and wasn't notified. I understand its closed but the Credit Bureaus stated I needed a Resinsertion Letter from the Credit. Please Add this back within 30 Days
|
| 09/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I had a mortgage with First Citizens and made a payment of XXXX and came to find out that they had foreclosed on my house. I called the bank and was told that I would get that money back because they could n't accept a payment when it was foreclosed on. I have waited for 6 months and have n't gotten anything back from them and I want my money back. I do n't understand how they could take my money and it being in foreclosed on.
|
| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX, XXXX and XXXX I am getting the run around with no type of help
|
| 09/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX loan me XXXX in XX/XX/2017.
They " hold '' 10 % during 18 months.
I paid interest for the 100 % of the loan.
By the date they should deposit me the 10 %, they ask me for my tax return and other documents that I sent. Then, they said with those numbers, they can not deposit the 10 % I said, OK, but give me the new monthly payment number ( 90 % ) but the refuse and still charge me the 100 % of the interest
|
| 11/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account under a {$300.00} promotional bonus.
I met the conditions of the bonus, both depositing {$1000.00} and making 10 debit payments within 90 days. The bonus was supposed to have been paid out at the latest on XX/XX/20.
I waited until around XXXX and messaged and was told that there was no timeframe on the bonus. I called a few weeks later and now was told I didn't qualify for the promotion.
|
| 09/02/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
Older American, Servicemember |
|
I have a No-Penalty CD at CIT Bank for {$30000.00}. I have sent them 3 messages asking that they close that account and forward the funds to another bank. As of today they have not answered those messages or taken any action to close the account.. A previous complaint ( XXXX ) deals with the possible theft of {$30000.00} so this may be connected. Please look into this ASAP before the {$30000.00} disappears entirely..
|
| 05/03/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
XXXX has installed chip readers at its checkouts. If your credit card has a chip the device will not allow you to swipe the card. Once you insert the chip the device asks for your pin. There is no way to process the transaction as a credit card. You are forced to use your debit card. This deprives the consumer of the customary protections credit cards provide and unfairly enriches XXXX by eliminating swipe fees.
|
| 10/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
A five day hard hold was placed on a {$65000.00} ACH transfer from another XXXX XXXX. The transfer was initiated on XX/XX/2023. CIT Bank received the funds on XX/XX/2023. The hold is in effect until XX/XX/2023. I contacted CIT Bank on XX/XX/2023 and informed them that Regulation CC states funds from ACH transfers must be available no later than two business days. They stated their policy says five days.
|
| 03/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have had a business checking account with First Citizens Bank for only a little over 2 months and since opening I have been penalized with overdraft fee a total of 59 times for the amount of {$2100.00}. The reason for this is that it seems that when processing occurs at the end of each business day any and all debits are processed before and credits no matter what time the credits or debits were made.
|
| 03/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Applied to open a new Savings Connect account with CIT bank on XX/XX/23. My application was declined within a day. My credit score is excellent. I have a steady income, full time job that pays well etc.
I am not used to getting my applications declined.
I tried to get them provide an explanation, but was not successful.
I still can not wrap my head around it, and I believe I deserve an explanation.
|
| 11/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
XX/XX/XXXX Received call from someone @ FCB ( XXXX ) saying they're closing my accounts.
Went to branch, withdrew my money.
Unable to download account statements, two disputes outstanding.
Called C/S to ask for help, they've blocked my number.
Called with *67. first agent kept talking over me, demanded supervisor. Got to supervisor, talked a bit, she hung up on me.
No longer able to login online.
|
| 06/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Older American |
|
On XX/XX/20 XXXX charge was taken out for {$12.00} leaving me with a XXXX balance.
On XX/XX/20 I received a {$10.00}. Overdraft charge and a credit for {$5.00}. ( I didnt realize XX/XX/XXXX was a XXXX XXXX ).
XXXX XXXX states on there XXXX we will not charge you for overdrafts caused by transactions of {$5.00}. or less.
I contacted Customer Service and was told they wouldnt honor there statement.
|
| 03/25/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
XX/XX/XXXX I purchased XXXX XXXX XXXX XXXX cost was {$950.00} dollars XXXX XXXX XXXXXXXX XXXX was XXXX XXXX XXXX and also the company she claimed to use for courier service XXXX XXXX XXXX I have tried contacting both parties and no one has contacted me back. My back will not reimburse me I used XXXX. I have receipts for both XXXX and the courier service and emails. Thanks please help XXXX XXXX XXXX
|
| 09/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
ON XX/XX/2022 AT XXXXXXXX XXXX. AN INVALID PASSCODE WAS GENERATED TO MY CHECKING ACCOUNT NOT INITIATED BY ME. I AM CONCERNED ABOUT THE SECURITY OF MY ACCOUNT, ENDING XXXX.
THE CIT BANK A DIVISION OF FITST-CITIZENS BANK : XXXX XXXX.
I called many times and was disconnected each time. Have sent message, no response yet.
MAILING ADDRESS : CIT Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have made several attempts to rectify this matter with First Citizen Bank and XXXX. I have notified First Citizen Bank and XXXX that this account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
|
| 08/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Pretty simple. I didn't receive the {$300.00} bonus I am owed for opening this checking account and meeting the terms. From what I'm seeing online, this is a fairly widespread way of doing business for this bank. There are a number of people waiting for bonuses they were owed. I am one of those people. The {$300.00} was supposed to arrive within 120 days and it has been longer than that.
|
| 03/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Closed my account on XX/XX/2023 and got a check for XXXX dollars with Firist Citizens Bank got a paper in the mail from the Bank said XXXX in amount and XXXX over draft and XXXX over draft fees, on XX/XX/XXXX dollar owe they say and on XXXX 2023, XXXX dollars they say I owe after a closing statement of XXXX owe on over drafts and over draft fees on XX/XX/2023 can you please help me
|
| 11/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
First Citizens Bank not paying a new account opening bonus of {$300.00}. I fulfilled all the requirements as requested. They still did not honor the agreement for paying the {$300.00} bonus.
My account was opened on XX/XX/20. Did the required direct deposit requirements for three months and waited for more than 120 days. Called them twice, but they refused to honor the agreement.
|
| 07/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an account XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 during the promotional period that offered {$300.00} bonus for meeting certain requirements, including {$1000.00} direct deposit OR make 10 debit card transactions within 90 days. I satisfied the debit card transactions requirement on XX/XX/2020 and have now waited over one year without receiving the promotional bonus.
|
| 06/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
The bank charges extremely high over draft fees. My account was XXXX dollar I o verdraft It by XXXX dollars I Now have 7 over draft fees.. XXXX XXXX XXXX XXXX shut down ... I dont want a first citizen account ... Even though you may purchase my account does n't make me forced to keep the account ... I do n't want to do business with first citizen
|
| 01/09/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
I obtained a first mortgage from First Citizens Bank and was charged {$100.00} for fax service between them and the attorney. There never was any faxing taking place as confirmed by the attorney. I have called different people at the bank for the last three weeks. I ca n't get anyone to call me back to resolve this issue. I wonder now how many people they have done this to.
|
| 11/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I had recently lost my debit card from first citizens bank, my card has the pin labeled on it, I already filed a dispute with the bank for an authorized purchase of {$2700.00}. Someone mad an a unauthorized purchase with my card. I have also had to call to cancel my card and everything to get a new one due to the incident that occurred. The bank declined my dispute.
|
| 04/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
XXXX XXXX XXXX, an attorney run collection mill, claims I owe a credit card debt. I don't recall any such debt, or if there was one it was incurred over 20 years ago. I have no original paperwork in my possession concerning this matter.
They have not certified any documentation concerning the debt in accordance with its recent settlement with the CFPB.
|
| 09/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I had opened the account ( checking and savings ) with First Citizens bank on XX/XX/2020 with promotion of XXXX $ mentioned on their website. I completed all the requirements for the bonus but still the bonus has not posted. The bonus was supposed to be posted within 120 days of fulfilling the requirement. I have completed the requirements on XX/XX/2020.
|
| 09/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2020 I went to the official First Citizens website and saw a simple offer of open a new checking account and use the debit card 10 times within 90 days and then I was expecting to receive {$300.00} deposit. This bank has not paid me a XXXX. This has been deception and false advertising. The bank has not made good on their public offer!
|
| 07/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
The bank promised that they would waive the {$25.00} early account closure fee for the checking and savings account since I had trouble receiving and activating my debit card. When the account was closed, however, I received a notice that they did charge me {$25.00} on both my checking and savings account, going against their previous promise.
|
| 10/11/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
I reported months ago to the branch via email that there were issues with the online transaction calculations. I've also found that the interest dates and amounts do not match between the online transaction history and the printed statements, making transaction reconciliation impossible and appearing like I have two different balances.
|
| 03/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I have a delinquency on my credit report from a bank account I had in 2017 through XXXX bank. Before I could resolve the issue the bank was closed or merged into first citizens bank and they have no record of the account for me to even resolve the matter. Therefore I have a delinquency with an agency that is no longer in business.
|
| 07/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
cit bank a/c no. XXXX can't close account can't get thru to talk to a person. minimum wait is 69-120 minutes. have tried 5 times, but can't get thru no call back feature on their telephone system tryied to chat on their online system, but no response sent letter to close account and transfer funds on XX/XX/XXXX, but no response
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
|
| 11/02/2016 |
Yes |
- Money transfers
- International money transfer
|
|
|
Web |
|
|
An Internation wire transfer from First Citizens Bank XXXX to XXXX XXXX XXXX in XXXX, XXXX was issued, then attempted to be retracted when the receiving account at XXXX XXXX was determined to be a fraud. Following formal complaints, inquiries and alerts of the fradulant scam, from First Citizens to XXXX XXXX XXXX.
|
| 09/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account on XX/XX/24. The checking account had an advertised {$300.00} opening bonus for opening the account and performing {$1000.00} in direct deposits. I have fulfilled the requirements but never received the bonus. I sent a message to the bank and still haven't received the {$300.00} bonus.
|
| 11/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Opened a free checking bundle account back in XXXX under a new account promotion of {$300.00} after making 10 debit card transactions within 90 days, opening a eSavings account, and enrolling in eStatements.
Completed all requirements in XX/XX/2020 and have not received the {$300.00} new account promotion.
|
| 08/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Placed a call to customer service to learn why security questions were changed rapidly within 5 minutes of logging in/out. Upon return to www.FirstCitizens online.com to log on my security question was changed to request information where my mother was born. I did not authorize nor set this question myself.
|
| 08/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a Checking Account with First Citizen XXXX on XX/XX/2020 with the promise of a new account bonus of {$300.00} if certain conditions are met.
I have met all the conditions and still have not received the bonus. I have contacted the bank via electronic message and received no response.
|
| 01/10/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I called CIT bank over two days over 5 hours on hold finally got through and they disconnected my call I'm unable to get online with all attempts so I continued to call with no response form CIT This bank has XXXX + of my money and I want it out of that bank and Im unable to do this Please help
|
| 08/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I was promised a bonus of {$300.00} when opening a checking account. I completed all terms required to get the bonus. The maximum time frame of 120 days to post the bonus has also passed since completing all the terms.
Checking Account opened on XXXX XXXX.
All Terms completed on XXXX XXXX
|
| 09/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Servicemember |
|
Closed checking account with XXXX XXXX ( XXXX XXXX, hqtrd in WI. ) has been reported to XXXX as having a negative balance. The bank that acquired that assets/accounts ( First Citizens Bank in NC. ) has not produced the requested documentation/evidence of what created the negative balance.
|
| 05/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
On XX/XX/19, I received a credit card from First Citizens Bank with a Credit Limit of {$15000.00} that I never filled out an application for, submitted a SSN for the card, sign my name to an application for a card, and never asked First Citizens for a credit card for any reason.
|
| 03/10/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Web |
|
|
This was at a first citizens bank on XXXX/XXXX/16 at time XXXX i made a deposit XXXX which XXXX was cash at XXXX i made a withdraw of XXXX from a atm the bank charge me a XXXX overdraft fee i ask them about it and all i got was a run around so they stole XXXX bucks from me
|
| 09/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Enrolled in the free checking bundle with an offer of {$300.00} with the First Citizens Bank. The requirements that were I make 10 debit card transactions within 90 days and I did so. They haven't paid and weren't helpful when I messaged them. I want my bonus offer money.
|
| 09/15/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
No matter what I do I am unable to contact CIT Bank, a division Of First Citizens at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have been locked out of my account and no matter how long I wait, no one will answer the phone at XXXX They are holding my money against my will
|
| 10/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My mother XXXX XXXX in 2015. Prior to her XXXX she added me as a joint signer on her bank account, I was not aware of this. She had a line of credit with First Citizens Bank and when she XXXX they said because I was added to her acct that I am responsible for the debt.
|
| 08/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I signed up for a checking account to earn a {$300.00} promotional cash bonus. I have completed all terms and the time period within which I Was supposed to receive the bonus has elapsed. I have called and sent messages to the institution and have not gotten anywhere.
|
| 07/08/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XXXX XXXX XXXX Foreclosure auction sale and XXXX XXXX XXXX sale were cancelled because First Citizens Bank and Trust Company failed to send bidding instructions to the XXXX SC court- thus causing additional financial and mental hardship on the consumer : XXXX
|
| 12/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
first citizens bank engage in willful deceit and fraud with respect to when they claim they attempt to clear checks vs when they say they attempt to clear checks.
the difference is subtle but is all about extracting massive fees from their customers.
|
| 08/03/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Unless XXXX can show me the value I received for the {$250000.00} they took from my proceeds, it is simply theft. I paid back the full {$350000.00} total of the only two mortgages on my house in the {$500000.00} payments I made to my house since 2004.
|
| 10/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have had two free checking accounts with First Citizens Bank for several years. In XXXX, they began charging a {$18.00} fee to the two accounts. I am requesting a refund of the XXXX {$18.00} fees and no additional fees for free checking accounts.
|
| 12/02/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my First Citizens Bank account to a fraudulent investment firm ( s ).
|
| 09/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I never had a loan with a bank that is showing up on my credit report as a derogatory account. Iv'e tried fixing the problem with the company and thru the bureaus but the problem has not been fixed and the account is still on my credit report.
|
| 07/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
First Citizens Bank offers a bonus when a checking and savings account is open, I completed the requirement on XX/XX/XXXX. No bonus yet.
Well I called today and they insisted I would not be receiving the bonus after all. Very bad bank.
|
| 08/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I was offered a {$300.00} bonus for opening a checking account and fulfilling the terms. I opened the account on XX/XX/2020 and all terms were fulfilled, but the institution refuses to honor the bonus. This is a XXXX scam.
|
| 11/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
This is a follow up to complaint # XXXX First Citizens Bank has not refunded the 2 days of interest nor have they paid me the over payment on the account. They did close the account but that's all they have done.
|
| 01/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
After complaining, to the corporate office, about his misconduct, First Citizens, XXXX, SC, manager, XXXX XXXX, closed my account-without warning. Bank has refused to return my funds, causing me great hardship.
|
| 07/03/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Regulation d is suspended and bank had suspended withdrawal fees from saving account. I have been charged fees for withdrawing from savings even though they are waived. They are refusing to reverse the fees.
|
| 08/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I keep receiving a text message to call First Citizens Bank at XXXX because my debit card is closed. I dont have an account with First Citizens. Its spam and they wont stop texting my business number - XXXX
|
| 05/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
The bank has been charging me monthly fees that it does not disclose to me. They have charged me {$260.00} in fees. They never disclosed to me there were fees involved in maintaining the checking account.
|
| 09/20/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Web |
Servicemember |
|
funds I put in checking account is not adding up. I invested money in cd 's and money market account and some disappeared, also never received a quarterly statements about my accounts in two years.
|
| 09/02/2016 |
Yes |
|
|
|
Web |
|
|
My cash back XXXX card did not credit me with the correct reward dollars I accumulated in XXXX. This card is issued through First Citizens Bank. I have been told that it is being " researched ''.
|
| 01/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
After I opened the account in XXXX, I relocated to XXXX where they DO NOT have a payment in this state. I relayed my concerns and difficulty to the main office but they were not able to help me.
|
| 08/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
First Citizens Bank pays debits even when I have no funds. I never agreed to this " courtesy, '' or it was not brought to my attention. The only reason for doing so seems to be to trigger fees.
|
| 05/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I got a XXXX overdraft fee on XX/XX/XXXX and a XXXX overdraft fee on XX/XX/XXXX overdraft fee on XX/XX/XXXX, XXXX overdraft on XX/XX/XXXX and a XXXX on XX/XX/XXXX Then they canceled my account
|
| 10/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
XXXX SC XXXX XXXX XXXX
Reference num. XXXX
Account from XXXX XXXX XXXX
For the amount of XXXX
I never seen herd of these people or company ever
|
| 04/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have requested extra payments to go toward principal. The bank keeps applying the excess toward interest and not the principal. I would like my loan audited to correct this issue.
|
| 01/20/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened an XXXX account and a bank that I am not famaliar with is listed on my account. I contacted the BBB and this bank is not accredited. I have a block on my XXXX account.
|
| 07/27/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
THERE IS A INQUIRE ON MY CREDIT REPORT THAT DONT BELONG TO ME AND I WROTE TO THE COMPANY AND ASKED THEM TO SEND ME PROOF THAT I MADE THIS INQUIRE AND THEY FAILED TO DO SO
|
| 08/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
a relative stole my identity when i was out of the country, over 9 years ago. XXXX XXXX has called a debt collector attempting to say they are suing me 9 years later.
|
| 06/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My account is not being updated. I use a app called XXXX XXXX and the bank is n't updating my information. It 's saying my account is negative but it 's not.
|
| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX On XX/XX/23 XXXX XXXX XXXX Placed an unauthorized credit inquiry on my XXXX credit report.
|
| 07/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or missing disclosures
|
|
Web |
|
|
The bank has disabled online account access because I utilize a XXXX service & did so without my knowledge or consent ( email notification )
|
| 08/23/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
This bank has been hiding behind an out of date fee schedule & needs to be investigated for its crimes against its customers
|
| 09/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Late fee charged for payment not late. Have tracking info. No resolve with First Citizens Bank customer service.
|
| 03/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I would like to have the paid charge offs removed from my report, the companies said they can not do that.
|
| 07/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
My bank wo n't update my account information like they should with active hours so I can cash out
|
| 10/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
People using my card without my permission
|
| 01/22/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
|
| 01/18/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Phone |
|
|
|
| 01/11/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
|
| 01/10/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Phone |
Older American |
|
|
| 01/05/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Referral |
|
|
|
| 12/27/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 12/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
|
| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Phone |
Older American, Servicemember |
|
|
| 11/30/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 11/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Referral |
|
|
|
| 10/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
|
| 09/22/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 09/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 07/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
|
| 07/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
|
| 07/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Postal mail |
Older American, Servicemember |
|
|
| 07/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
|
| 07/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 06/30/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 06/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 06/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
|
| 06/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 06/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Older American |
|
|
| 05/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/10/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Older American |
|
|
| 04/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 04/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 04/07/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
|
| 03/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 02/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Referral |
|
|
|
| 02/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 01/22/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/30/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 12/20/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
|
| 12/14/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 12/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 11/25/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Referral |
|
|
|
| 11/17/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
|
|
Phone |
Older American, Servicemember |
|
|
| 11/10/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 11/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 10/29/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
|
|
|
| 10/28/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 10/05/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/29/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 09/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Phone |
|
|
|
| 09/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American, Servicemember |
|
|
| 09/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 09/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
|
|
| 08/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 08/17/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/15/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Phone |
|
|
|
| 08/03/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Referral |
Older American |
|
|
| 07/29/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Postal mail |
|
|
|
| 07/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 07/15/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Phone |
Servicemember |
|
|
| 07/15/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Referral |
|
|
|
| 07/07/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Referral |
|
|
|
| 06/30/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Phone |
Older American |
|
|
| 06/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/28/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Referral |
|
|
|
| 06/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 06/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|
| 05/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
Older American |
|
|
| 05/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 05/12/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 04/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 04/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
Older American |
|
|
| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/22/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Phone |
Older American, Servicemember |
|
|
| 02/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 02/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Phone |
Older American, Servicemember |
|
|
| 02/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 02/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 02/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 01/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 12/15/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 12/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 11/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
|
| 11/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 11/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 11/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 09/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 09/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 08/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 08/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|
| 08/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Servicemember |
|
|
| 07/21/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 07/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 07/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 07/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Older American |
|
|
| 06/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 06/25/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 06/18/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 06/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
Older American |
|
|
| 06/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 05/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 05/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/20/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Referral |
|
|
|
| 04/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 04/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 04/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
Servicemember |
|
|
| 04/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 03/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 03/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 02/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
Older American |
|
|
| 02/24/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/20/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 01/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/13/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 01/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Older American |
|
|
| 11/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Referral |
Older American |
|
|
| 11/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 11/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 11/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Phone |
|
|
|
| 10/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 09/24/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 09/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 09/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 08/30/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
|
| 08/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 08/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 08/28/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 08/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 08/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 08/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/20/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/20/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
|
| 08/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 08/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 08/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 08/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 07/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 07/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
Older American |
|
|
| 07/18/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
Older American |
|
|
| 07/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 07/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
|
| 07/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 07/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
|
| 07/07/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 07/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 06/30/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 06/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 06/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 06/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 06/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 05/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Referral |
|
|
|
| 05/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 05/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 05/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 04/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 04/23/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
|
| 04/16/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 04/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
|
| 04/06/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 03/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
Servicemember |
|
|
| 02/25/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Postal mail |
|
|
|
| 02/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
|
| 02/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 02/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/21/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 01/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 01/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 12/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 11/26/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 11/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 11/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Phone |
|
|
|
| 10/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Phone |
|
|
|
| 10/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 10/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Phone |
|
|
|
| 10/09/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Phone |
Older American, Servicemember |
|
|
| 10/07/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 09/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 09/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
|
|
|
| 09/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Fax |
|
|
|
| 08/29/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Postal mail |
|
|
|
| 08/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 08/19/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 08/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 07/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 07/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Phone |
Older American |
|
|
| 07/24/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 07/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 07/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American, Servicemember |
|
|
| 07/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 05/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 05/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/03/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 04/30/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 04/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 04/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 03/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 03/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 03/21/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 03/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 02/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Older American |
|
|
| 02/20/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Phone |
|
|
|
| 02/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 01/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/29/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 01/28/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 01/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Servicemember |
|
|
| 01/10/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Fax |
|
|
|
| 01/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/04/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 01/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 12/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Servicemember |
|
|
| 11/27/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 11/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 11/05/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 10/29/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 09/25/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Referral |
|
|
|
| 09/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 08/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 07/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Phone |
Servicemember |
|
|
| 07/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 07/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 07/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 07/11/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/02/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Referral |
|
|
|
| 07/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 06/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 05/27/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 05/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/17/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 04/27/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Referral |
|
|
|
| 04/06/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
Servicemember |
|
|
| 04/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 04/03/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 03/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 03/14/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Postal mail |
|
|
|
| 03/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 02/26/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 02/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 02/02/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Referral |
|
|
|
| 01/30/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/28/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/11/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/09/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/04/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Referral |
|
|
|
| 12/26/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Referral |
|
|
|
| 12/22/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Fax |
|
|
|
| 12/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 12/08/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 12/08/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 11/29/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Other transaction problem
|
|
Web |
|
|
|
| 11/29/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 11/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 11/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
|
| 11/13/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 11/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 11/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 10/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 10/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
|
| 10/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 10/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/30/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 09/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 09/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 09/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 09/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 09/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 08/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 08/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 08/07/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/31/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 07/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 07/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 07/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 07/21/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Confusing or missing disclosures
|
|
Referral |
|
|
|
| 07/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 07/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 07/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 07/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 07/04/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 06/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/20/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Postal mail |
|
|
|
| 06/20/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 06/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Postal mail |
|
|
|
| 05/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 05/24/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 05/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 05/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 04/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 03/15/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 03/14/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 03/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Postal mail |
Older American |
|
|
| 03/13/2017 |
Yes |
|
|
|
Referral |
|
|
|
| 03/08/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/06/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 02/15/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 02/02/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/01/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 01/27/2017 |
Yes |
|
|
|
Referral |
|
|
|
| 01/23/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/12/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/04/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 11/28/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 11/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 11/15/2016 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
Older American, Servicemember |
|
|
| 11/03/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/10/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
|
| 10/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/01/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/28/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
Older American |
|
|
| 09/22/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 09/22/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 09/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Fax |
|
|
|
| 09/07/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/02/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/30/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/29/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/13/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 07/12/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/11/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/27/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 06/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Phone |
Older American, Servicemember |
|
|
| 06/27/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Postal mail |
|
|
|
| 06/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 06/09/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/08/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 06/07/2016 |
Yes |
|
|
|
Phone |
|
|
|
| 06/03/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
Servicemember |
|
|
| 06/02/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 06/01/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
Older American |
|
|
| 05/31/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
Older American |
|
|
| 05/31/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 05/26/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 05/26/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 05/26/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 05/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 05/03/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 05/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/22/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 04/13/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 04/11/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American, Servicemember |
|
|
| 03/01/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
Older American |
|
|
| 02/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 02/17/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/11/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
|
| 02/11/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/11/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Phone |
|
|
|
| 02/10/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 02/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/25/2016 |
Yes |
|
|
|
Web |
|
|
|
| 01/20/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Referral |
|
|
|
| 01/15/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Referral |
Servicemember |
|
|
| 01/14/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 12/17/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 12/14/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Referral |
Servicemember |
|
|
| 12/10/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 11/23/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 11/13/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Fax |
Servicemember |
|
|
| 11/04/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 10/22/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/22/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
|
|
|
| 10/22/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
Older American |
|
|
| 10/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 10/09/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 10/07/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/01/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 09/22/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/22/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/16/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
|
| 09/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 09/02/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/02/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 08/12/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/30/2015 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Account terms and changes
|
|
Referral |
|
|
|
| 07/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/13/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/29/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 06/29/2015 |
No |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/29/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/22/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/22/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 05/19/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/07/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 05/06/2015 |
Yes |
|
|
|
Phone |
|
|
|
| 05/04/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Postal mail |
|
|
|
| 04/23/2015 |
Yes |
- Prepaid card
- Gift or merchant card
|
|
|
Referral |
|
|
|
| 04/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/16/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/14/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 04/13/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Referral |
|
|
|
| 03/24/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/27/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/17/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Servicemember |
|
|
| 02/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 01/29/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Phone |
Older American |
|
|
| 01/27/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 01/23/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 01/15/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 01/05/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 12/08/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/26/2014 |
Yes |
|
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Fax |
|
|
|
| 11/17/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/10/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 09/06/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 09/05/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/02/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/30/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/15/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 07/14/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 06/28/2014 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
|
| 05/29/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 05/02/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 04/22/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/09/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 03/26/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 03/25/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/19/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 01/23/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 01/21/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/13/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 01/09/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 12/10/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 12/06/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 11/24/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 10/07/2013 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
|
| 10/01/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/19/2013 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/09/2013 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/03/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Email |
Servicemember |
|
|
| 08/28/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/16/2013 |
Yes |
- Bank account or service
- Savings account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 08/16/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/14/2013 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 08/02/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 07/29/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/18/2013 |
Yes |
|
|
|
Web |
|
|
|
| 07/15/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 07/10/2013 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 07/02/2013 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/02/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/20/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/10/2013 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 05/23/2013 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 05/20/2013 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 05/20/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/17/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 05/02/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
|
|
|
| 04/18/2013 |
Yes |
|
- Closing/Cancelling account
|
|
Referral |
|
|
|
| 04/11/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 04/03/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/29/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/29/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/21/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 03/15/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/15/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/04/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/22/2013 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 01/31/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/29/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
|
| 01/15/2013 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 12/31/2012 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Postal mail |
|
|
|
| 11/06/2012 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Fax |
Servicemember |
|
|
| 10/29/2012 |
Yes |
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 10/11/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/19/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/22/2012 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 08/17/2012 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 08/16/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 08/10/2012 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/07/2012 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/01/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 07/01/2012 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 06/08/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 06/07/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/11/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
|
| 02/29/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/09/2012 |
Yes |
|
|
|
Web |
|
|
|
| 02/01/2012 |
Yes |
|
|
|
Postal mail |
|
|
|
| 12/06/2011 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
Servicemember |
|
|