Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX I opened a new Platinum Savings account with CIT Bank paying XXXX XXXX  APY. with a deposit of {$10000.00}. 
Interest on XX/XX/XXXX was {$20.00}. 
On XX/XX/XXXX there were steps taken to add XXXX XXXX as an external bank by someone other than me. 
On XXXX initial deposit was transferred in two transactions, {$9000.00} and {$1000.00}, to XXXX XXXX XXXX XXXX where an account ( # XXXX, Routing # XXXX ) in my name had been created by someone other than me. 
On XX/XX/XXXX there was a web transfer from my Savings account at XXXX to CIT Bank in the amount of {$610.00}. 
On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX was added as an external account to CIT Bank by someone other than me. 
On XX/XX/XXXX XXXX executed transfers of XXXX and {$99000.00} to CIT Bank. 
Interest on XX/XX/XXXX was {$22000.00} So the posted amount of interest for XXXX XXXX XXXX which is what my 1099-INT reflects. 

On XXXX CIT completed ACH transfers of {$98000.00} and XXXX to XXXX XXXX XXXX  XXXX XX/XX/XXXX CIT Bank received a deposit in the amount of {$57000.00}, an ACH transfer from XXXX. 

On XX/XX/XXXX CIT sent a transfer to XXXX XXXX for {$800.00}. 

I do not have statements for XXXX forward because I have been locked out of the account. I have been getting notices that I have an overdraft and to access my account to see the notice. I have continued to get these notices even though I am not allowed to access the account. So I called Customer Service and asked what the notices are about and was told that I have an overdraft of {$250000.00}. Was that a shock! It appears CIT Bank is holding ME accountable for the transfers out though I had nothing to do with them but had not balanced it with the deposits that came in. 

I had submitted some disputes to CIT Bank- {$9000.00}, another for {$1000.00} and {$800.00}. I missed the {$610.00} from XXXX 

On XX/XX/XXXX I received a letter saying CIT 's investigation was complete and verified for my claim of {$9000.00}. 

I continue to receive notices that I can not view. I can not access the account to view messages or alerts. 

Even though I have had a conversation with XXXX XXXXXXXX, CIT Fraud department, we have resolved little and she does not return calls placed through customer service or respond to emails I have sent. 

I received a 1099-INT from CIT for {$240.00} which is what was posted to my account, however I recently received a check for {$10000.00} which if it's to return my initial deposit and interest is short {$180.00}. There was no letter of explanation, nothing about whether the account had been closed, and my attempts to reach XXXX XXXX have been for naught. The CIT Bank rep who initially took my disputes is not responding or is possibly no longer with CIT. Customer service says all they can do is give the message to the fraud group. 

Working with CIT Bank has been most difficult, and I felt like I was being treated as the perpetrator rather than the victim. I would have thought that banks would have better security measures in place, especially re : ACH transfers ( a.k.a. web transfers ). 

To keep me whole I request the {$180.00} and the {$610.00} I lost out of my XXXX XXXX to CIT or {$790.00}.

Company response to consumer: Closed with explanation