First Citizens Bank

Do yourself a favor please. Please do not bank here. I have worked for JP Morgan Chase and never in my life have I had overdraft fees, I am 34 years old. In the last 6 months I have paid $700 in fees. If I pay my bills through the account it takes 10 days! For it to go through. I honestly believe that this bank has some algorithm issues because I will have funds in my account and as soon I'm close to very little funds EVERYTHING magically gets processed. Let me say this again, it take 10 days for transactions to clear. Also if I make two transactions for instance one at 10:00 am for $30 and one at 11:00 am for $10 (and I have funds in my account) the later transaction will go through immediately but the first transaction goes through 10 days later.

Please never bank here. They stole 600 dollars from me in the course of a year. Closed my account without telling me. Gave me mysterious charges after the account was closed. They don't communicate well at all. The tellers act like they can't pull information up even though I was told on the phone they could. And to top it off they make and act like it is the customer's fault. I wish I could sue. 0 stars if I could. Also important to note I've been with this bank since I was 11.

I am a First Citizens client since 2016. I came to deposit 2 checks and I was with my 4 year old who was running around. The branch manager told me, "You need to fill out forms" and I said I have a child with me and never completed one. She was extremely rude, and after I complained of her lack of customer service skills she completed them for me. I will change the account with another bank. I felt like I was in the ghetto and not in a bank. Lindsay ** should be fired. Thank you.

So for the past two years, I've been seeing trumped ATM fees, 3, 4 & 5 times. But this ATM fee isn't from the ATM machine. It's been charged by First Citizens Bank. I firmly believe this problem is grounds for a class action lawsuit.

Before FCB took over at Guaranty bank I did a change of address, once again when it switched and my debit card along with pin number was sent to old address. Job sent direct deposit after closed account. FCB Did Not redirect funds back to my employment, instead they tell me they would send a check to only send it to old address again. I called several times, went into a branch to be told I have to wait for 3 months to get my funds. I worked hard for or for old address to return mail. They also refuse to cancel check. If I could rate this bank it will be 0!

My wife and myself both had accounts plus a joint account with G Bank. Then FCB took over. Several of the local banking locations closed making banking harder but still bearable. Then they sent out new debit cards or so they said. Of the 3 accounts we only received one debit card and for that one the pin never came as promised. Activated the new card and for 2 weeks it was refused for every transaction. Getting online access to the account with their new code refused to work several times until I finally got lucky I guess and I could finally match a new pin to the card.

First Citizens took over the bank I have used for many years. During this time they never sent me nor my fiance our debit cards or account info on time which locked us from accessing our money. Then they screwed up nearly all auto deductions causing late fees. Then they reject withdrawals. I went to talk to the very rude tellers there and they denied everything. Then they wanted to charge me $7 to get a print of my transaction history. This place should be shut down. Do not use this bank.

I was a recipient of a First Citizens gift card. I attempted to inquire the balance on the card and the website stated that the card was inactive. I do not believe that the card was ever used and it was within the expiration date. I attempted to call their Customer Service department and was totally unable to get access to the information on the account. I was asked the original purchaser. I was unsure of the purchaser. I was also asked the original balance. I did not have that information either. I am totally frustrated with their procedures to access the transactions on this account.

First Citizens bought out my bank’s loans from FDIC for pennies on the dollar in 2009 when banks were crumbling. Profiting millions. My loan was a construction loan that was complete but not converted to conventional loan yet. First Citizens refused to refinance the loan and would only keep it as a home equity loan that was closed to draw upon. Since it was a “home equity” loan in their status, it allowed them to apply balloon payment demands once the term hit. During this recession no banks were doing jumbo refinancing so First Citizens tried to steal my house from me because of the equity it had. This bank only wants your deposits and to use and suck the life out of anyone they can get. Since they’re based out of NC, no one in any branch has a clue what is going on or how to do anything. DO NOT DO BUSINESS WITH THIS BANK!

I just opened my account & I'm already having issues. Money is there & then suddenly it's gone. I filed a dispute & nothing so far. Meanwhile the place that took my money is still charging the membership fee. Supposed to be once a month and they have taken it out twice this month. Don't hear anything from bank.

Attempted to get an online account for two years. It has worked about 2 week off and on for that. It is difficult to reach a human being thru the robots. Service online is confusing with the speaker giving out unseen entry points on the computer. Seemingly uncaring and possessing questionable intellect. It is truly a hardship and indicative of 21st Century Technology. Banking credits/debits so far have been excellent. They just seem to have no customer service that is viable.

I reached out to First Citizens customer service due to a charge on my account of $** when it should have been $**! I spoke with Janet and she informed me that there was nothing she could do and that I would need the merchant that made the error to call in and resolve the issue. I am appalled that this is supposed to be MY bank and they should resolve issues concerning MY money for me, not allowing a third party to take the responsibility of making a phone call. This payment could have been easily voided or stopped and I would have access to my funds but neither Janet or her supervisor Avery were willing to do anything other than tell me to have the merchant call back on Monday.

I called on April 16, requested my accounts closed. The agent told me exactly what I needed to do. I followed the instructions and sent memo. They received my letter, but decided my signature wasn't good enough and wanted a notarized signature. I don't have a problem with this, except they failed to inform me and locked my accounts. It's now June 4, and I still can't get into my accounts, because they have a certain form they want notarized now. They refused to give me access to any of my money in my accounts. They keep charging me fees every month as they take money out of my account, but locks me out! I hate this bank!!

I have been a member with First Citizens Bank since 2006, when I was in high school. I got my first auto loan through them, co-signing with a parent since I had no credit history. Even with a co-signer, the interest was 14% for an auto loan. I went to college and used the account often, having both a debit and credit card. Throughout college and after, I had a couple high-interest personal loans that I paid off. I also had another auto loan through them, around 10% interest that I got by myself. I maxed out my credit card during college, but paid it off once I graduated. I have EXCELLENT pay history, never delinquent on payments. I paid all personal loans off, all car loans off early, and brought my credit card back to $0.00 balance.

I have had a checking account with First Citizens Bank since 1991. Today I was told by the local branch supervisor that because they had reversed an overdraft fee for me 14 months ago, that they would not be overturning anymore ever. See, I actually did cause myself to overdraft and asked if they could overturn the fee. Last year when they overturned it, the customer service person informed me that they normally could do one per calendar year. So when I initially called yesterday, I had to leave a message with someone in the bank because the supervisor was busy. She never returned my call.

They cheated. You call and tell them there a mistake and they tell you, "No that your correct balance" and you repeatedly ask if they're sure and they say yes. Three weeks later they take 5000 and place it on hold and said, "Oh we didn't do the transaction right" and now they tell you, "Sorry but we're taking this money."

For the second time in 3 yrs I’ve caught First Citizens Bank STEALING money from my account for absolutely no reason. And the kicker is... they are still KEEPING half of it. They don’t even know what a Calculated Service Charge Type 37 is. They even alluded that it was partially MY fault. And yes I should have caught it sooner, but I had TRUST that the bank wouldn’t just take money out of my account for no reason. They ADMITTED they made a “MISTAKE”, which they didn’t have an explanation for, yet their “POLICY” says they could only refund less than half of what they STOLE. The legal term for this is called EMBEZZLING! How can a bank take money for an account and keep half of it and say this is JUSTIFIED? How is this right? It didn’t cause the bank a loss of money to take from an account. So why First Citizens?

I've been banking with FCB for at least 2 years, and my family has been with them 40+ years. I've never had a problem with them until the last couple of days I end getting a call from the branch manager here in Crewe, Virginia - stating that my account had been hacked and my money and info had been jeopardized. I was told that it was never my fault, but that I should use "harder passwords". A lady from NC was using my info, putting money in, and taking money out of my account. A check was deposited in my account (which I knew nothing about and had been Christmas shopping the previous day) and that it was a fraud check. Immediately I was scared and needed answers immediately so we sat down for a meeting and she ended up calling another lady from another branch for more info and help. She was very rude to me and kept pushing her issue that I had given my account number out on a check.

I have been with First Citizens for over 30 years and never have I been so frustrated!!! I feel as though someone else is duplicating my charges! I keep up with my daily balance on my app thinking that would help me stay on top of my balance. Went to bed with over $600 in my account to wake up to $300!!! Went to the banks and they showed me a statement of what was taken out and they were charges that were already taking out (pending) but they said after pending it goes back into your account for a day or three and is taken back out. How do I know I'm not getting doubled charged? Their answer is to keep a ledger. I have never been so confused, frustrated and taken advantage of in my whole life! Leaving First Citizens!!

First of all, what kind of bank shows the deductions before they show your deposit? Example, I get paid on the 1st, the deposit is there on the morning of the first. That afternoon I make three purchases with my debit card. When I look at my account online, I actually had the purchases taken out first, which put my account in the negative, and then they put in my direct deposit. What sense does that make?? And then even if I had a positive balance before the deposit, once they finish putting in all the pending things and/or purchases, I'm in the negative! I called one time and the girl kept trying to explain it to me, and would then have to put me on hold, because she didn't have answers to my questions. After her putting me on hold a few times I was conveniently disconnected.

Years ago my father's account # was stolen off of a check somewhere locally and checks were printed with his account # and NAPA's name & Logo as the account holder (didn't match). My father had a CP who checked the transactions against the bank statement monthly. Because the account was checked 30 days after the fraudulent charge, I noticed when I got the copies of the canceled checks and not only did First Citizens refuse to give him the money back, they closed his account and refused to service him. They reserve the right to close any account at any time. My dad had only $90,000 in that account at that time. I still kept my account there.

I recently had some really amazing customer service at my local branch. After having all of my personal information stolen out of my vehicle, they were very helpful in helping me take precaution when closing an account and opening a new one even though I did not have the typical forms of ID due to it all being stolen. However, almost 3 weeks later I noticed that I had funds that were attempted to come out of that account when I was told the account would be closed. This led to me needing to make several calls to customer service. Come to find out there is a service fee if you make more than 4 phone calls to speak to a rep. I never would have needed to make these calls if my account would have been handled properly and been closed when I requested it.

I was double charged by Walmart Online Groceries almost $600. This and it incurred 3 OD charges! Customer service for my bank had to 3way call with Walmart online to verify that the charge was inaccurate. They argued when the Walmart associate said the initial charge is an 'authorization charge' and would fall off and customer service said "no, the money has been removed from her account". Customer service took off the charge and refunded 1 OD (they are only allowed to refund one) so I was referred to my local branch to get the other 2 OD refunded. Thursday AM I called every single branch in Clayton, Smithfield, Zebulon & left messages for management & got not 1 return call.

I called First Citizens and told them that I had a discrepancy on my account and wanted to cancel my credit debit card. Then after 10 days I call back to find out why I have not received a new one. They told me that I did not ask for a new card even though they got my new PIN number. Then after the 10 days I go back to my bank in person and talk to one of the Reps and they tell me they will order me a card and since I'm so close to the main office it should only take 3 to 5 days. That was on the 20th of June. 9 days later I called back and they tell me it was just mailed out yesterday so for seven days they sit idle. This is a bunch of crap. I will do my business somewhere else.

I did my mortgage through First Citizens because they had the best rate at the time. This was a big mistake. It began well, I was able to sign on and view my mortgage online and set up auto-payments. Shortly after, however, First Citizens did away with their mortgage website with NO REASON WHY. They claim that they may bring it back but it has been over a year. Only one reason for a business to hide the details of your account... Looking to refinance with another company shortly.

I loved First Citizens before they upgraded to the Digital Banking. It's the worst thing ever. It never shows the proper amount and then you never know which amount shown you should actually go by. To top it off one time I had a double charge by accident. It was pending and eventually fell off my account but I still got an overdraft charge for a pending transaction. I had to call several times and eventually got a refund.

If you read all of the reviews of this bank, I believe they can be summed up in just one word: INCOMPETENCE. No need to bore anyone with the details of my experience... and that means that I will leave out the part about the smug attitude of one of the local Naples, Florida tellers... just my opinion anyway.

Overdraft fees are nothing new to our generation. Including switching purchases around to collect more fees. Today I was informed that a cash deposit was held for 2 days because I had an overdraft fee in the last 6 months. The bank also has a hold on a transfer from another bank. Ironically, they're assessing overdraft fees and holding my deposits back. If this isn't an illegal practice, it should be.

I read many of your posts as we are with First Citizens Bank (Bethlehem Office) Hickory, NC area. We have a Business account, Personal account, Savings account, and even (2) different Lines of Credit, plus checking overdraft account. We have been with them approx. 7 years now... But today, NONE of your branch managers get to know you or your local business or dealings like they used to do and NONE of them are allowed or capable of making any common sense decisions. Everything is "one size fits all" and they only send requests off to corporate out of State to get answers and decisions from people who do not even know of you locally...

After 15 years with FC I am leaving. The online services upgrade debacle is the last straw. The true insult is that they don't do anything about it. Not even an, "Oops". The President and VP's need to be FIRED. If they can't do online in 2017 then it's over. The OL services have been hosed since the upgrade last year, October... LAST OCTOBER! The response, or lack of, is inexcusable, but they just plod on. They lost some of my pay-to accounts, my scheduled payments went dark - got some late fees for that. Thanks a lot FC.

I opened up a checking account online. It did not require a minimum balance, and that was the reason I opened the account. Later, I added my wife to the account and we started getting charged $35 overdraft fees. It happened numerous times. So many times we were unable to make the mortgage payment because my wife lost her whole paycheck. The bank paid checks that did not clear, but charged us the $35 fee plus the amount the check was for. Which in turn kept the account in a negative balance.

I banked with First Citizens for over 15 years since I moved to North Carolina, now I am closing all my accounts. The system "upgrade" is a joke, and in my opinion a way to generate fees. My husbands pension check has always been available by the last day of the month or even a day before if the last day of the month fell on a weekend. Now the pension payment is "pending" but I cannot transfer any money between accounts for FIVE DAYS. The pension payment is done electronically, so they have the funds. All of the bills I scheduled to have paid in the first few days of the following month show as being overdrawn.

First Citizens Bank shut down their mobile banking for an upgrade. Although inconvenient, there was adequate notice of this. The system did not work on the promised date with no notification to clients by email. Long holds and no specific information. The last straw was the corruption of the First Citizens Bank link with Quickbooks which I have used without difficulty for 15 years... Again, no admission of the problem. Long holds on the phone and a promise that it would be fixed ONE WEEK LATER. (Oct 31, 2016). It's November 5, 2016 and I'm still waiting. I can't reconcile accounts. I am the sole owner of a small business and this is crippling and so time consuming. I give you one more day, then I walk. I'm sure I can save money, but as a decades long customer, wanted to keep going.

I answered an ad on Ziprecruiter.com for a home based job, didn't realize it was a scam! This started on Sept 28th, 2016 now it is November 4th, 2016 and my problem has not been completely settled. Bottom line is that I will NEVER use First Citizens Bank ever again, nor will I refer anyone to use their services! My account still has not been completely fixed. With the bank being down for the week, I could not do any kind of business, then my Bill Payees were all ERASED? I have been treated like I was in cahoots with the scammer! SHAME on you! Plus make note the bank is NOT accredited! I will be moving my funds on Monday to Bank of America!

This bank is garbage. Before the website update I was able to transfer money between my other financial institutions and First Citizens free. Now I cannot transfer money in unless I use my out-of-state bank which doesn't have the option of adding external accounts from other institutions which is why I chose First Citizens in the first place a few months ago since I moved out of state. My old bank is a local hometown bank which I use to take care of my finances in that state and doesn't have a lot of options but they do allow you to connect to their bank to transfer money out if needed. However First Citizens has stopped that service and now I am forced to fly back to New York to close that account, and call over a dozen businesses to notify them they will now be getting paid from a new, out-of-state bank and we must set up new automatic payments, which should be an unnecessary headache.

I was a customer of thirty years until the bank attempted to upgrade its online system but failed horribly and ignobly. As part of the upgrade, the bank warned its customers that online bill pay would be unavailable from 17 - 24 October and access to accounts unavailable from 21 - 24 October. The upgrade failed and on October 24, many/most/all (?) customers could not access their accounts. The outage lasted between 48 and 96 hours. It was a debacle as customer service reps often passed on information that was in direct contradiction that the bank displayed on its Facebook site while (initially) displaying nothing on its home page.

I have been with First Citizens for many years but the quality of the FC services has really gone down the tubes. Our local branch here in Laurens has a great staff that have been cordial and accommodating. But since the merger of NC and SC, First Citizens seems bent on finding ways of screwing their customers. We received notice from FC on or around Oct 10th 2016 that their online banking would be down from the 17th to the 24th. WOW a whole week without being able to pay bills etc. So, I paid most of my bills early so I would have them be on time.

DO NOT choose First Citizens Bank. They are awful. It will take at least a week for payments to come out of your account. I never know if my account information is correct. They recently did an upgrade for the online banking. Online banking was down on a Friday and said it would be available by Monday. It was not available. I got locked out of my bank account after entering my login information and then sat on hold for a long time before I eventually hung up the phone. This new "system upgrade" has been a pain to deal with. They need to get it together for their customers which I no longer want to be one of them.

On several occasions, it looks like they have deliberately held transactions from going through until I do not have enough money to cover it and then subsequently charging me an overdraft charge. The last one that has not cleared yet (they must be waiting until I do not have enough money), I called both the toll free customer service and also contacted my local branch. Local branch just said that the transaction had not gone through (this was for a transaction done 2 days earlier and cleared according to the local electric company) and said it was more than likely the electric company holding it up.

I have been with First Citizens for 11 years! My first problem was when they issued the card with a chip in Feb 2016 but I didn't get it, but called customer service for help with another issue in July and that's when they told me and that they needed to deactivate my current debit card and they were issuing a new card with a chip. Three weeks later, I still didn't have the card. I called several times and was told it was mailed. About a week before leaving one state to move to another I called again and expressed my frustration, everyone at customer service has a different answer. I ended up hanging up on the first lady because I wasn't getting anywhere. Called back and was able to get it resolved by them issuing another card and having it delivered by FedEx. This issue seemed to set off a trickling effect with this bank.

I've been trying to get a lien release for a boat from this bank for MONTHS. I keep getting the runaround. NOBODY EVER has any explanation as to WHY I cannot seem to get this lien release. CAN YOU HELP!!!!???

I have both a personal and business account with First Citizens. They have stolen thousands of dollars out of my account by "rearranging" debits to go through on a different day to reflect a negative balance, thus charging me $35. Many many times this has happened. Too many infractions to remember them all! I am furious and fed up with this bank! A temporary hold was placed on funds for an item I sent to Apple and Apple released the hold, but First Citizens never returned my previous balance to reflect it. It just disappeared and they won't answer me about it. That was another $750. DONE with this bank! Don't waste your time people!

I opened an auto loan with First Citizens Bank when I bought my Ford Explorer in December 2015 from Chestatee Ford in GA. I normally like to make payments well in advance and to pay some additional principal so the loan is paid off quickly. I sent my second payment 30 days early for 3 monthly payments in advance plus $2000.00 towards principal with a note on how to apply the check. I received a "past due" notice about 45 days later saying my account is past due. They did not apply the amount correctly, so after a phone call they told me NOT to ever send in additional principal amounts because they could not apply it correct. So after getting that straightened out, I sent in another check for (4) months payments with the payments dates on the bottom left on the check, payment coupons and a letter on how to apply the check.

On Tuesday, March 8, 2016, my bank account was compromised by phishers from www.mycashday.com. Scammers stole my identity and were trying to steal my money from my First Citizens account. I called my local branch at 301 Broad Street, Elizabethtown, NC 28337, (910) 862 - 4027. My first point of contact was teller **. She stated that she would cancel my debit card and send the new one to my working PO box out of state since I verified my identity through the questions asked. She also told me to call Fraud Central at 866-567-7760. I did and spoke with Lamar. He closed my old account and opened a new one. He sent me an email with the procedure to open a new acct with the new number. Problem was, it requested my current 16 digit debit card number. I had no access to it since it was just mailed to me, so he told me to call customer service.

We tried to withdraw money from our account at an ATM, and we're notified that the account did not exist. We called the local First Citizens where we opened the account and we're told that we had closed the account, and our ID had been checked in order to do so. We were then told that the account had been closed a month ago. A second employee said that she couldn't see anything and we should call a 1800 number. A third employee then said that we had called in by phone to close the account. We were then told by a fourth employee that the account had been closed because of suspicious activity of the card being used internationally. This suspicious activity was relayed to us over a year ago, and we told the concerned employee that we spend time overseas, and we would be using the card overseas.

Run! This bank takes advantage of those who fall on hard times and need a bank account. They WILL NOT POST YOUR MONEY ON TIME - IN FACT DAYS AFTER THE DATE THAT THEY RECEIVE THEM FROM YOUR EMPLOYER! They are awful. Do not bank with these people. Go to Walmart or get a prepaid card! These people will steal your money!

Fraudulent charges on my bank account. Called them about it. They assured me they would be removed. Almost two weeks later, they are still there. When this happened to me with another bank in Florida 15 years ago, I was credited within 2 days. Other problems with them. Their business website is beyond horrible.

This bank is trash!!! I followed their requirement to open a new account on July 10 and sent many times messages to confirm with them if I would receive this bonus. They told me many times I would GET IT soon (about 10 times confirmed). Recently I haven't received the bonus, then went to online to ask them. They told me "This is a promotion for new customers and you have a credit card with us, so you would not be classified as a new customer." Then I called them, they said NO!!! Lie, cheat me. Not responsible. Trash!!!

A month ago I cashed a large check and was shorted $1000. Bank closed after I left and it was Monday before I could get back to the bank to report the shortage. The bank employee told me they did a bank audit and they were not over so I just lost this money. 10-27-15 I went to bank at 2:10 PM and another teller shorted me $100. The teller counted money three times. I wanted to count again because I counted twice and the money was still short. Teller recounted twice and after second count said I was right she had shorted me the $100 and counted for the third and final time. I have lost trust in First Citizens Bank because of constant inaccuracies.

I don't like way how First Citizens bank charges people for getting their own money from their account. Even if you go inside to withdraw they charge you $5 out your own money. $5 at the ATM. $19 for a money order too. Now my grandma had First Citizens Bank for a long time and now they start charging people just to take their own money out. This bank need to be shut down all over South Carolina. First Citizens Bank are scam artists.

Every time I try to make a purchase with my Debit card this bank denies the purchase or calls me to see if I made the purchase. And the other day I checked my account because I hadn't used it for over a month. It said that I had over $200.00 in my account. I made a $169.00 purchase and now they say I have an overdraft from a charge made over a month ago. They are charging me $80 for something they didn't have posted on my internet account. I wish someone could investigate this place. This is NOT the first time that my online account says I have a certain amount of money and as soon as I make a purchase all of a sudden I'm in the hole.

On 07-22-15 I received a call from First Citizens Bank about overdrawn charges on my account. I told the man they were not mine - I do not live in that state. He went through all my charges and told me to go to my local First Citizens Bank and cancel the card and issue me a new card and tell them what happened. He said everything was being taken care of. I found out nothing had been done and called First Citizens account info line because the bank representative told me she is not allowed to help their customers on fraudulent charges anymore! I then called customer service and was told that it could take 10 to 30 days to fix the problem, meanwhile the charges are more than my part time check that I and my husband have to live on nothing. We have animals that need to be feed. Need information on how to correct this!!!

I attempted to make a deposit in the night depository this morning at 8:05. I am a branch manager at another bank and I work 60 hours per week. So I need to make my deposits via ATM or Night Drop. Rarely, am I able to get to the bank during banking hours. So anyway, while at the Night Drop this morning I read a sign that stated at the deposits made after 8:00 am will not be credited until the following business day. So I thought about it for a moment and decided to use the drive-thru - which does not open until 8:30. So I sat in the drive-thru for 25 minutes.

It may be not be breaking any laws that I am aware of but this is most unethical by good business practices. As they are changing the arranging of checks from which they arrive to the dates posted on the checks to gain an overdraft fee and additional zero balance fee which are $35.00 for each fee. They post a false balance available resulting in addition overdraft fee. A simple check of say $50.00 will now cost you $130.00. You may as well get money from a loan shark. It may be cheaper!! When confronted about this type of practices I was informed that's how they make their money. Feeding off the blood from the poor and unfortunate. I can understand why we have so many laws; because people like First Bank are not fair or ethical.

I notice on several times the bank would change the order of purchase to make it look like I overdraft. At times they would put my direct deposit in late so it looks as though my money had not post. My job makes pay available late Thursday night but the bank will not make it available until Friday afternoon. First Citizens will keep the deposit pending until late Friday so if I use my money they turn around and charge an overdraft fee. There have been times where there is money in the account and I noticed there is an overdraft charge. When I go back later to check it out the purchase order are different and it looks like there wasn't enough money to make the purchase.

The purchase of a Security under the agreement that 200 shares for the corporation that vesting title of 33 years formed Aug 25 1975, Stock Purchase LOI April 2007 and closed May 15, 2008 that the Ownership that no change in Ownership under the name Oakhurst Lodge Inc. A single asset of 4.77 acres in Oakhurst California, 15 miles from the Gate of Yosemite Nation Park. The Property provided 60 room hotel Office and a Home on Highway 41 was condition to Mixed use inconsistent Zoning ** with 44 rooms and R-1 on the rear Parcel with 16 Units and a single Family Home. General Plan Overlay but failed to conform to the zoning due to egress and degress.

My 85-year-old mother received a counterfeit 100 dollar bill from First Citizens Bank in Monroe, NC. She has used them for many years checking, CDs, mutual funds, etc. They are not responsible. So the bank doesn't have insurance? Why not place a sign so all can see? If you receive a counterfeit bill from us tough **. First Citizens is just like BOA... Crooked.

First Citizens Bank took three consecutive penalties amounting to seventy five dollars taken from my personal checking account within the last several weeks. I have CD's, IRA's, Roth Accounts totaling almost thirty thousand dollars in First Citizens Bank. They refused to drop any of the penalties. Their business practices are unprofessional, unethical, and irresponsible.

I opened an account with First Citizens. Months later, I made a large deposit and they gave me a sheet that said some funds available after 1 day, more after 2, the rest in 7. I said that's fine. Next day, I called to see why funds were not available; they said "Risk Management" adjusted the hold, citing "unable to verify funds". I contacted the bank that the check was drawn on. They said the check was presented and funds were cleared, even sent a letter to the bank stating this.

First Citizens Bank provided a construction loan for the building of our home on property we owned in Hendersonville, NC. When our original builder was bought out by another, that builder brought a new contract to the bank in the name of RAD Construction. The bank asked him for his license. He provided a friend's brother's license in the name of Boston South Investments. They asked him for insurance and he provided insurance in the name of Double R Windows. The guy, Ronald **, was not licensed at all. The bank didn't question this nor did they alert us. They just started to pay him money from the loan whether we authorized it or not. As you can imagine, the building was substandard and the bank paid for things that remain undone from 2010 to date.

I am unemployed. I opened a bank account with Citizens Bank and put a small amount of money in the account. At the time I thought I had a new job lined up. But it fell through and I didn't get the job. Some of bills were directly tied to this account. I thought I had withdrawn all of them, but I missed two. My account at Citizens became overdrawn. But the amount was only $26.49.

I applied for a business loan and I presented all my required documents. The gentleman in which I was working with refused to send my application in because of speculation. I believe it was because of my race.