First Citizens Bank Locations in Your Area

I have banked with FCB for 12 years. I recently started a new business, got my first order. Deposited the check of over $48K, was called and told that there would be 7 business day hold because the account was new. I expected this hold, in the mean time I tried to set up the online banking; could not. Activated my debit card, meanwhile I tried to use the 800 number, wasn't able to do that either. My wife tried to activate her card, was unsuccessful, was transferred to a customer service representative, who said her signature card wasn't on file, and the needed to be done before proceeding, and that a message was sebt, and she would be contacted the next day. No one called, so I called the branch, with whom I have no issues. I was told the woman needed to speak with me, was given her number which I called. During this conversation, I was interrogated, and treated like I was a scammer. The next day my wife received a call from her, and was treated worse, and then was hung up on. I go to the branch and find out that they are treating this as fraud, and have completely locked my account, disabled our debit cards. I was told they'd have it resolved by the next morning. Never heard back. Went the the branch, and I'm told we need to speak with the branch manager. During this, the fraud department, notified the branch that the the funds have been collected from the issuing bank. The branch manager, still did not release my account, and wanted to look into it more, saying her issue is with the check, and to give her till middle of the next week. I told her it needed to be handled by Monday at the latest. All the while I've provided the email chains to include their purchase order, the invoice from my company to theirs, and all other paperwork. I was asked if I was prepared to pay this money back if it was a scam? I asked them if they were prepared to pay me back for lost income if my customer cancels their order? My 4 week window for receiving parts and materials and completing this order is now at 1 week. So needless to say this will never be an issue for them ever again.

After I read hundreds of complaints against FCB, I have to post that we are right now escalating investigation complaint against them for dubious & deceitful practices, as we deal through the Bethlehem (Hickory, NC) and Viewmont (Hickory, NC) branches for some years now.

Not only has the new digital banking system launched last October been a hastle, but as many others post here regarding business problems, I have told branch managers at both offices they need to save money and remove the nice banners and signs in lobbies about how they care about small business- because that is far from the truth and this bank is NOTHING what its original proprietors set out to make it long ago. NEVER once have either branch manager given care to our customers or who we do business with locally and a base of approx 500 returning customers for our contracting services annually...

We have an FDIC complaint and investigation going on and also FINRA told us they were hit recently with $Million fine for similar practices hurting another business.

Our situation began in May, 2017 as a business LOC was set for its 2 year reset. Last period they increased it yet left my interest rate at 8% where it has been for 6 years running now. We have total of (6) various accounts with this bank even. NEVER late on anything, always paying higher principle payments on various lines we do have with them in fact, always in good standing.

But in May, we expected the business LOC to continue as always, but no! They decided not to renew it, yet stated they were taking the outstanding draw on that Line and converting it to 3 year fixed % loan at 3% higher rate! What the hell we said. Then they argued and did things against our wishes even, and the original loan they offered us, they said we took too long to accept terms, so hit our credit reports with default on a loan! All along the business LOC still showed active on the website with our other accounts, we kept making payments by due dates as it stated which FCB took out interest each time, etc..

We asked questions, demanded answers, and the branch managers acted like robots saying hardly anything except that if we signed the new conversion loan terms, they would remove late fees. The damn wording in this loan contract had I signed it stated I as the customer demanded to end my LOC and convert it to a fixed rate loan! What??? Why would any business want a line established closed up?? It hurts their business operations. We NEVER asked to end our business LOC at all. THEY (FCB) decided to do this and try to entrap us into collecting higher % rate as they knew how successful and well our local small business has been doing. This made no sense . We felt like we were being extorted or blackmailed hearing this. My wife then contacted FINRA which contacted the OCC (Office of the Comptroller of the Currency) and then NC Bank Commissioners' office where this thing is held in limbo as we wait on FDIC results. Then after many days arguing FCB came back at us with new documents for a Promissory Note now for us to sign saying we promised to repay the outstanding LOC balance within 3 years, but interest left at the 8% which the LOC was always at. But by this time, another 30 days goes by, FCB hits our credit reports still again with late fees and default and this is all wrong to see! They drove my credit score down about 200 points damnit with 6 hits on my credit report between June & August 2017! This is criminal, malicious, and wrong! The LOC which still showed active we kept making payments on monthly to be safe and not until early August did this new Promissory Note take effect and show on their system and the LOC finally disappeared. But my credit score has been brutally attacked by these idiots and they think they did nothing wrong... I am now worried with all my established vendor accounts we have in place who many do annual report pulls for our business accounts that this will further affect my business and quite possibly put me out of business!

We are searching for a lawyer at this time.