Checking and savings
First Citizens Bancshares: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 42
- Closed with money back
- 1
- 2023 to 2025
- 14 to 18
First Citizens Bancshares received 541 complaints from everyone in the window; 42 carried the servicemember tag. The complaints are mostly about checking or savings account, and the single most common issue is "Managing an account". 1 of the 42 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 14 in 2023 to 18 in 2025.
What the complaints are about
By product
| Checking or savings account | 16 |
| Credit reporting or other personal consumer reports | 9 |
| Vehicle loan or lease | 5 |
| Mortgage | 4 |
| Debt collection | 3 |
By issue
| Managing an account | 11 |
| Problem with a company's investigation into an existing problem | 5 |
| Managing the loan or lease | 4 |
| Closing an account | 3 |
| Incorrect information on your report | 3 |
| 2023: 14 | 2024: 10 | 2025: 18 |
Which accounts, specifically
| Checking account | 18 |
| Credit reporting | 11 |
| Loan | 5 |
| Other banking product or service | 4 |
| Domestic (US) money transfer | 4 |
What went wrong, specifically
| Problem using a debit or ATM card | 4 |
| Deposits and withdrawals | 4 |
| Cashing a check | 4 |
| Reporting company used your report improperly | 4 |
| Company closed your account | 3 |
Busiest month: April 2023, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from SC (10), NC (7), GA (5) , then CA, NM, WI.
How First Citizens Bancshares answered
| Closed with explanation | 41 |
| Closed with monetary relief | 1 |
First Citizens Bancshares responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Checking or savings account; Managing an account. SC, 2024-06-21. Outcome: Closed with explanation. Complaint 9304432
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Checking or savings account; Problem with a company's investigation into an existing problem. WI, 2024-05-31. Outcome: Closed with explanation. Complaint 9145233
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Credit reporting or other personal consumer reports; Incorrect information on your report. SC, 2024-04-21. Outcome: Closed with explanation. Complaint 8823271
If this is your problem at First Citizens Bancshares
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with checking and savings peers
- Charles Schwab Corporation, The 39 servicemember complaints; 0 with money back
- Mountain America Federal Credit Union 38 servicemember complaints; 3 with money back
- Randolph-brooks Federal Credit Union 38 servicemember complaints; 0 with money back
- Albert 37 servicemember complaints; 0 with money back
- Dave Operating 37 servicemember complaints; 0 with money back
Next in the directory by volume: First Credit Services, FirstPoint Collection Resources, Medical Data Systems.
Frequently asked questions
How many complaints did servicemembers file against First Citizens Bancshares?
42 complaints tagged servicemember were received by the CFPB about FIRST CITIZENS BANCSHARES, INC. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 14 in 2023 to 18 in 2025.
What do servicemembers complain about most at First Citizens Bancshares?
Checking or savings account accounts for 16 of the 42 complaints, and the most common issue is "Managing an account" (11). Next: "Problem with a company's investigation into an existing problem" (5).
Does First Citizens Bancshares give money back when a servicemember complains?
1 of the 42 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 41 closed with an explanation only. First Citizens Bancshares answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.