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.
- 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 →
Response Quality Score
First Citizens Bancshares, Inc. scores strongest on timely response (99/100 percentile-benchmarked) and weakest on closed with explanation (68/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
74 / 100 percentile-benchmarked
15.8% of complaints closed with relief to the consumer
Timely response
99 / 100 percentile-benchmarked
99.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
68 / 100 percentile-benchmarked
82.6% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where First Citizens Bancshares, Inc. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, First Citizens Bancshares, Inc. files more complaint volume than 23% of them, and closes complaints with relief more often than 76% of them, placing it in the quadrant for lower volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 1,534 · Closed with relief: 15.8%
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