CFPB Consumer Complaint Profile
First Citizens Bancshares, Inc.
What 1,442 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 1,442
- Total complaints
- Among the highest
- 222
- Last 12 months
- 99.7%
- Timely response
- Top decile
- 42
- States affected
The verdict
First Citizens Bancshares, Inc. ranks #263 of 3,843 financial companies by CFPB complaint volume, with 1,442 complaints on record. On-time replies land at 99.7%, the 76th percentile for the 100+ complaint peer group.
- #263
- of 3,843 companies by volume
- 99.7%
- on time (76th pctile)
- Checking or savings …
- most-complained product
- 42
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
First Citizens Bancshares, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.7% Top 24% higher than 76% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 165 in 2024 to 218 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2011 | 1 |
| 2012 | 18 |
| 2013 | 39 |
| 2014 | 24 |
| 2015 | 64 |
| 2016 | 80 |
| 2017 | 87 |
| 2018 | 67 |
| 2019 | 89 |
| 2020 | 165 |
| 2021 | 83 |
| 2022 | 132 |
| 2023 | 159 |
| 2024 | 165 |
| 2025 | 218 |
| 2026year in progress | 51 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for First Citizens Bancshares, Inc.
The CFPB Consumer Complaint Database has logged 1,442 complaints against First Citizens Bancshares, Inc. overall, with 222 of those filed in the trailing 12 months. Reports have come from consumers in 42 states and territories, making this a nationwide complaint footprint. "Checking or savings account" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Managing an account," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, First Citizens Bancshares, Inc. posts a 99.7% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 19.6% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 16.7% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does First Citizens Bancshares, Inc. have?
1,442 complaints have been filed against First Citizens Bancshares, Inc. with the CFPB overall - 222 of them in the past year.
Does First Citizens Bancshares, Inc. respond to complaints on time?
First Citizens Bancshares, Inc.'s CFPB timely-response rate is 99.7%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for First Citizens Bancshares, Inc.?
"Checking or savings account" draws more CFPB complaints against First Citizens Bancshares, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with First Citizens Bancshares, Inc.?
Consumers most often cite "Managing an account" when complaining about First Citizens Bancshares, Inc.; the full issue list with counts is above.
How do I file a complaint against First Citizens Bancshares, Inc.?
You can file a complaint against First Citizens Bancshares, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about First Citizens Bancshares, Inc.?
The CFPB has recorded complaints against First Citizens Bancshares, Inc. from 42 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for First Citizens Bancshares, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (1,442 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (19.6% here).
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.