What is the most common complaint against First Citizens Bancshares, Inc.?

The most common issue consumers report about First Citizens Bancshares, Inc. is "Attempts to collect debt not owed", specifically "Threatened to sue you for very old debt". This is based on 55 complaints filed with the CFPB.

Are complaints against First Citizens Bancshares, Inc. increasing or decreasing?

Complaints against First Citizens Bancshares, Inc. have been stable. The company received 11 complaints in the last 12 months.

What is First Citizens Bancshares, Inc.'s reputation grade?

First Citizens Bancshares, Inc. has a reputation grade of B (score: 65.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does First Citizens Bancshares, Inc. respond to consumer complaints?

First Citizens Bancshares, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does First Citizens Bancshares, Inc. operate?

First Citizens Bancshares, Inc. has received CFPB complaints from consumers in 16 states, with the most complaints from Georgia (10 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

First Citizens Bancshares, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

23
Took or threatened to take negative or legal action

15
Written notification about debt

6
False statements or representation

4
Communication tactics

2
Taking/threatening an illegal action

2

Data updated September 2026

CFPB complaint disposition

CCDB record first-citizens-bancshares-inc First Citizens Bancshares, Inc.

Grade B · 55 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1130 · compose #1736

VOL 55
GRADE B
12MO 11
STATES 16
TIMELY 100%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,130
COMPOSE #1,736

Volume peers

Nearest volume peer: Accounts Management, Inc (55 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

First Citizens Bancshares, Inc.'s 55 CFPB complaints sit next to Accounts Management, Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Georgia is the plurality state for First Citizens Bancshares, Inc. (18.2%)

Volume rank #1,130 and composite rank #1,736 diverge by 606 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Georgia 18.2%; Mid-band (15–30%) · 16 states with ≥1 filing
Seasonal peak: 2024-09 10.7%; 8–15% band · 6 filings
Divergent corpus ranks: #1,130 volume; #1,736 composite; Cleanest-composite ladder is 606 places worse than volume

How does First Citizens Bancshares, Inc. compare to its peers?

How does FIRST CITIZENS BANCSHARES, INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

FIRST CITIZENS BANCSHA… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

90%

91%

Consumer-dispute ratelower is better

36%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-10 2025-11

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	23
Took or threatened to take negative or legal action	15
Written notification about debt	6
False statements or representation	4
Communication tactics	2
Taking/threatening an illegal action	2
Cont'd attempts collect debt not owed	1
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against First Citizens Bancshares, Inc. come from?

First Citizens Bancshares, Inc.'s own per-state count, not a national baseline.

Georgia

10
North Carolina

10
South Carolina

8
Florida

6
Texas

5
Minnesota

2
Missouri

2
New York

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for First Citizens Bancshares, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 55.

4 peers

Know your rights before responding to First Citizens Bancshares, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.