CFPB · Diversified product mix
First Bancorp North Carolina
15 CFPB complaints · diversified mix (top product 26.7%) · top issue Incorrect information on your report.
First Bancorp North Carolina: top product "Checking or savings account" is only 26.7% of 15 - multi-bucket mix. Timely 100% · relief 6.7%. Allegations, not findings.
- Diversified product mix
- +50% filings 2023 to 2026
CFPB relief outcome brief
CCDB company first-bancorp-north-carolina
6.7% relief · 100% timely · 15 filings · Checking or savings account
Same-product relief peers
Nearest relief peer: Morgan Stanley & Co. LLC (6.5% relief)
First Bancorp North Carolina closes 6.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of First Bancorp North Carolina's 15 filings include narrative text
40% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
First Bancorp North Carolina complaint mix by product
- Checking or 4 26.7% – 0% relief
- Mortgage 3 20.0% – 0% relief
- Credit card 2 13.3% – 0% relief
- Payday loan, 2 13.3% – 50% relief
- Credit reporting 2 13.3% – 0% relief
- Money transfer, 1 6.7% – 0% relief
- Credit reporting, 1 6.7% – 0% relief
How First Bancorp North Carolina's 15 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 4 |
| Mortgage | 3 |
| Credit card | 2 |
| Payday loan, title loan, personal loan, or advance loan | 2 |
| Credit reporting or other personal consumer reports | 2 |
| Money transfer, virtual currency, or money service | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for First Bancorp North Carolina
Top states by attributed CFPB complaint volume for this company
- Leading state
- NC
- 66.7% of this company's filings
First Bancorp North Carolina rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 3
- +50% vs 2023
Top States
| State | Complaints |
|---|---|
| NC | 10 |
| SC | 2 |
| AZ | 1 |
| TN | 1 |
| FL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 3 |
| Problem caused by your funds being low | 2 |
| Struggling to pay mortgage | 1 |
| Other features, terms, or problems | 1 |
| Problem with the payoff process at the end of the loan | 1 |
| Getting a line of credit | 1 |
| Closing an account | 1 |
| Applying for a mortgage or refinancing an existing mortgage | 1 |
| Problem with a lender or other company charging your account | 1 |
| Fraud or scam | 1 |
| Trouble during payment process | 1 |
| Improper use of your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2023 | 2 | 100% |
| 2024 | 8 | 100% |
| 2025 | 2 | 100% |
| 2026 | 3 | 100% |
Source: CFPB Consumer Complaint Database
First Bancorp North Carolina spreads across product buckets
First Bancorp North Carolina's 15 logged complaints stay concentrated: only 5 states show a filing. 40% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2023 through 2026-04-03.
First Bancorp North Carolina answers 100% of complaints inside the CFPB's tracked window and closes 93.3% with a written explanation. 6.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Checking or savings account" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about First Bancorp North Carolina.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for First Bancorp North Carolina: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 15.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for First Bancorp North Carolina (100% timely; 6.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix