About First Citizens Bank
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I have had nothing but issues with this bank. The first issue was they didn't charge me the agreed upon interest rate. I had to make them aware they had been charging me the wrong rate for a few months. They corrected but it happened again. I lost money because they were overcharging me when my loan was at its largest. They never reimbursed me for that. Fast forward to last year, I had to change bank accounts due to fraud, I connected with loan manager and filed new paperwork to pull out of new bank account. They kept trying to pull from old one, racking up charges.
Contacted loan manager again and asked for refund on charges and was told they wouldn’t approve, even though it was their mistake. The paperwork was also incorrect so they weren't pulling out the correct amount that I had requested only interest. Manager filed paperwork incorrectly. Cost me money again. Paying off the loan is another headache, their online system makes everything harder than it needs to be, 5 steps when 1 would work! This bank is a nightmare and I will never do business with them again!
I have tried to call in and make a payment for a car loan and set up auto draft but the company is making this process so hard. They tell me they need to call a landline to get a code, but then tell me they can’t do that. They say they need to speak to the primary on the business account, and I say he is an attorney and I am the account manager. I will try to call him. They then say he has to call in. I then ask does he have to call from the identical line from the office phone and she tells me I can’t tell you that. I try and remind her that he is an attorney and will need to call from cellphone, so that matters. She then tells me she can’t tell me that. It has never been so hard to make and set up draft for a payment in my life. I will not be using this bank again. I am going to look into refinancing.
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The main branch on Main Street in High Point, NC has the worst customer service that I have experienced in any bank. Very rarely do they even say hello or thank you when going through the drive-through. Some don't even say anything even when I say hello. On an average, it takes about 10 minutes to do a simple deposit. Went in today to make a deposit and the teller abruptly said she was waiting on another customer and I would have to wait. I made the comment about "what else is new" and she did not like the comment and proceeded to return my deposit and was told to come back another day. I went inside to get another teller and to speak with the manager.
The manager was tied up with a customer and waited for one of the tellers to become available. All the while the rude teller was doing nothing. When one of the other tellers became available, she abruptly told me that I had to see the manager and refused to take a rather large deposit. Got tired of waiting for the manager and left. Proceeded to call the manager's direct line and left a message for her to call me. That did not happen. I, apparently am not alone with issues at this branch.
We opened a Business Account five years ago. When Scott ** became Leesburg Branch Manager the service was AWFUL! The old staff, who were wonderful left & new people replaced them who were lazy, careless & one attempted to cause us to lose money from our business account! CRAZY & CORRUPT? The old saying, "Fish rot from the head down." They need to REPLACE SCOTT ** & services would probably be adequate again. We moved to Bank of Charles Town whom I cannot recommend higher for business, or personal for that matter!!! Bank of Charles Town cannot help enough & have the nicest staff! We love them!
Can't get debit or credit card alerts. Since they do so many updates constantly the alerts get turned off and you can't get them turned back on. Example, your payment due reminder, if card was used at gas station or if cards were used. Now I get no alerts at all. Have called several times. The customer service rep first stated there was no problem but yet when you call you get a message that the system is having problems getting you logged in. She stated she would have someone call which she did and this customer service person actually stated it was my browser which it wasn't. I tried on my Chromebook and my their mobile app neither works. So she went in and cut the alerts on on both cards but they still are not on. I have messaged them and no fix yet. Time to change banks. Wouldn't advise anyone to put your money in their bank.
I opened an account here and switched my direct deposits and auto drafts over to it. My direct deposits would hit every Friday but would not post to my account until late Monday...so they are constantly charging me overdraft fees for transactions that hit before they decide to make my money available... ridiculous, I'm switching back to a bank that can actually handle transactions in a timely fashion. The point of direct deposit is to be able to use your money ON payday.
Absolutely terrible. My wife wanted to move to another bank and she chose First Citizens. We opened a joint checking, savings, personal checking (for my business), I got a FC credit card and rolled our HELOC all into one nice online interface. I set up auto payments for my CC, autodraft from our joint account the full balance every Monday. I bought some personal items I wanted to pay for out of my own personal account instead of the Joint, so I manually paid the full balance out of my personal funds. Their transaction process is so slow and archaic that it took my payment and then withdrew the full amount AGAIN from our joint account. Branch manager told me that "the autopay is going to process no matter what." So I had overpaid $1,364.00. It took me a MONTH to get credit back into my joint account. Absolutely inexcusable.
Then I had fraud on my CC. Its has been 2 months and I still have over $1000 of fraud charges on my account. Calling the branch is a joke. Called the branch manager repeatedly and "I'm going to stay on the phone until I get a resolution to this. I'll call you back this afternoon." 2 days later and no call. I call her and leave a VM. Wait two more days and call and leave a VM. Then I call the branch mainline and find out she's on vacation...AGAIN!!!! As soon as I get the fraud taken care of (2 months BTW) I am so done here and will IMMEDIATELY close all accounts and run for the hills to ANY bank other than FC. You've been warned!
I have a huge problem with your bank.
#2 Taking debit card too long to arrive in the mail.
#3 Took way too long for a representative to call my spouse who I added to my account.
#4 Couldn't find the information of my employer who banks with FCB so I had to open an account and pay $50.
#5 Me having to express myself this way about a bank that handles my funds.
I opened a checking account with First Citizens Bank. It lasted two days. When I was unable to login, I found out to my horror that First Citizens Bank closed my account without notifying me. Not only that, they forced me to pay $103.26 to do that. I had to pay for checks I couldn't use, and the funds were not available because the account was closed without my consent. I will never trust this bank again.
They caught someone trying to charge $7000 and sent me a text. I never used their debit card once. I happened to log in to my account and a charge to a charity in FL as well as a charge to a Flower shop were allowed. Apparently, this happens a lot to this bank. The charity refunded my money first, so First Citizens got off easy there. Their money is insured, which they don't make well known. The police told me about their money being insured. I contacted the FTC, CFPB, police, etc., because no one in fraud seemed to be empathetic or bright.
I finally got the remaining 42.90 refunded for the flower shop fraud at exactly 10 days and received a curt letter stating they the bank had followed procedure and the case was now closed. No one at the bank seems to have the same information concerning different procedures, anyway. If you want friendly, individual service, avoid this bank. I don't think they care about their customer at all. I am really shocked at this whole experience.
First Citizens Bank Company Information
- Company Name:
- First Citizens Bank
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