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

CFPB complaint data Grade B 55 complaints

First Citizens Bancshares, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade B.

Complaints by issue type

What consumers report about First Citizens Bancshares, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 68.8/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of B: First Citizens Bancshares, Inc. ranks ahead of 67% of the 5,283 collectors PlainCollector grades - 33% keep a cleaner CFPB record, on 55 all-time complaints and a 100% timely-response rate.

67th pct
reputation rank of 5,283 graded collectors
55
CFPB complaints, all-time
100%
answered inside the CFPB window
11
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about First Citizens Bancshares, Inc.?

First Citizens Bancshares, Inc. has accumulated 55 total CFPB complaints across 16 states, with 11 filed in the most recent 12 months against 44 historical complaints before that window. The trailing-12-month volume represents 20.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Threatened to sue you for very old debt". The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 16 states, led by Georgia with 10 and North Carolina with 10. Normalized against the full CFPB collector database, the reputation score of 68.8/100 places First Citizens Bancshares, Inc. in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

55

low-volume (CCDB)

Last 12 months

11

20.0% of all-time complaints

Stable →

States active

16

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

68.8/100 composite

How does First Citizens Bancshares, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

69 67th percentile higher than 67% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

First Citizens Bancshares, Inc. versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 28.6%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
FIRST CITIZENS BANCSHA… National average
Complaints (last 12 mo)lower is better
11
7
268
Timely-response ratehigher is better
100%
90%
91%
Consumer-dispute ratelower is better
0%
36%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-10 2025-11

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against First Citizens Bancshares, Inc.

Across 16 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if First Citizens Bancshares, Inc. contacts you

A grade of B signals how First Citizens Bancshares, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really First Citizens Bancshares, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how First Citizens Bancshares, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 68.8/100), 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).

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

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.