CFPB · Lighter filing volume
First Citizens Bancshares, Inc.
1.5K CFPB complaints (light-volume third) · 44 states · top issue Managing an account.
First Citizens Bancshares, Inc. is in the light-volume third with 1.5K CFPB complaints (ranks #265 of 342). Timely 99.7% · relief 15.8% · top product Checking or savings account. Allegations, not findings.
- Volume rank #265 of 342
- Lighter filing volume
- +14300% filings 2011 to 2026
CFPB relief outcome brief
CCDB company first-citizens-bancshares-inc
15.8% relief · 99.7% timely · 1.5K filings · Checking or savings account
Same-product relief peers
Nearest relief peer: First Horizon Bank (15.8% relief)
First Citizens Bancshares, Inc. closes 15.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of First Citizens Bancshares, Inc.'s 1.5K filings include narrative text
40.9% 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 Citizens Bancshares, Inc. complaint mix by product
- Checking or 834 60.3% – 19% relief
- Mortgage 189 13.7% – 12% relief
- Bank account 144 10.4% – 16% relief
- Money transfer, 60 4.3% – 5% relief
- Debt collection 55 4.0% – 2% relief
- Credit reporting, 52 3.8% – 21% relief
- Credit reporting 48 3.5% – 2% relief
Lighter-volume mix: how First Citizens Bancshares, Inc.'s 1.5K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 834 |
| Mortgage | 189 |
| Bank account or service | 144 |
| Money transfer, virtual currency, or money service | 60 |
| Debt collection | 55 |
| Credit reporting, credit repair services, or other personal consumer reports | 52 |
| Credit reporting or other personal consumer reports | 48 |
| Vehicle loan or lease | 48 |
| Credit card | 39 |
| Credit card or prepaid card | 28 |
| Consumer Loan | 14 |
| Payday loan, title loan, or personal loan | 12 |
| Payday loan, title loan, personal loan, or advance loan | 5 |
| Prepaid card | 2 |
| Student loan | 2 |
| Debt or credit management | 1 |
| Money transfers | 1 |
Nationwide filing states for First Citizens Bancshares, Inc.
Top states by attributed volume, lighter-filing company
- Leading state
- NC
- 22% of this company's filings
First Citizens Bancshares, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 144
- +14300% vs 2011
Top States
| State | Complaints |
|---|---|
| NC | 338 |
| SC | 195 |
| CA | 186 |
| GA | 155 |
| FL | 88 |
| VA | 71 |
| TX | 57 |
| WI | 55 |
| NY | 35 |
| WA | 29 |
| AZ | 29 |
| CO | 27 |
| IL | 22 |
| TN | 20 |
| PA | 19 |
| MD | 15 |
| MA | 14 |
| MN | 12 |
| MO | 11 |
| NJ | 11 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 463 |
| Opening an account | 145 |
| Closing an account | 109 |
| Account opening, closing, or management | 79 |
| Incorrect information on your report | 67 |
| Trouble during payment process | 67 |
| Problem caused by your funds being low | 59 |
| Problem with a lender or other company charging your account | 51 |
| Managing the loan or lease | 33 |
| Fraud or scam | 31 |
| Deposits and withdrawals | 28 |
| Struggling to pay mortgage | 27 |
| Attempts to collect debt not owed | 24 |
| Improper use of your report | 24 |
| Application, originator, mortgage broker | 21 |
| Applying for a mortgage or refinancing an existing mortgage | 20 |
| Loan modification,collection,foreclosure | 19 |
| Problems caused by my funds being low | 16 |
| Problem with a company's investigation into an existing problem | 15 |
| Took or threatened to take negative or legal action | 15 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2011 | 1 | 100% |
| 2012 | 18 | 100% |
| 2013 | 39 | 100% |
| 2014 | 24 | 100% |
| 2015 | 63 | 93.7% |
| 2016 | 80 | 100% |
| 2017 | 87 | 100% |
| 2018 | 67 | 100% |
| 2019 | 89 | 100% |
| 2020 | 165 | 100% |
| 2021 | 83 | 100% |
| 2022 | 132 | 99.2% |
| 2023 | 158 | 100% |
| 2024 | 165 | 100% |
| 2025 | 219 | 100% |
| 2026 | 144 | 100% |
Source: CFPB Consumer Complaint Database
First Citizens Bancshares, Inc. in the light-volume third
First Citizens Bancshares, Inc.'s 1,534 logged complaints reach a nationwide footprint - 44 states have at least one filing. 40.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2011 through 2026-06-25. Volume lands in the lightest third of the indexed company corpus (#265 of 342).
First Citizens Bancshares, Inc. answers 99.7% of complaints inside the CFPB's tracked window and closes 82.6% with a written explanation. 15.8% 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 "Managing an account."
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 Citizens Bancshares, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for First Citizens Bancshares, Inc.: 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: 1.5K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.7%.
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 Citizens Bancshares, Inc. (#265 of 342; 99.7% timely; 15.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Lighter filing volume