Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Chapter 1 : To the XXXX XXXX Team at CIT Bank, Dear XXXX I am writing to formally express my deep concern and disappointment regarding the handling of a XXXX transfer dispute involving a sum of {$500.00}. While this amount may be immaterial from an institutional perspective, it represents a meaningful financial loss to me and, more importantly, reflects a troubling lapse in customer advocacy and procedural consistency. 

I initially submitted a dispute for this transaction after failing to receive the services and the product for which the payment was rendered. The dispute was duly accepted and documented by a supervisory representative over the phone, providing me with a reasonable expectation that the matter would be reviewed in good faith. 

Subsequently, however, a week ago I received an unsolicited call from another representative, XXXX XXXX - XXXX XXXX XXXX  [ XXXX ], who summarily dismissed the dispute, asserting that the transaction was categorically ineligible for review and should never have been filed. During the callmade last Fridaythe dispute was unilaterally nullified and voided in its entirety. The tone and substance of the conversation conveyed a discernible bias in favor of the merchant, leaving me without recourse and without the funds. 

I conduct very limited activity through my CIT account ; it primarily serves as the repository for my employer-issued funds, with minimal outgoing transactions. This XXXX transfer was one of the few such transactions I have executed recently, making the banks failure to support me in this instance particularly disheartening. I was left without the product, and without any viable means of recovering my money. 

I respectfully request a thorough review of this matter, including the internal handling of my dispute and the appropriateness of its abrupt dismissal. At a minimum, I seek clarity, accountability, and a reconsideration of the banks position, as the current outcome falls well short of reasonable customer protection standards. 

( End of chapter 1 communication ) Chapter 2 details the after effects of lodging a report against the bank 's employee XXXX XXXX. 

Chapter 2 : To XXXX XXXX XXXX XXXX XXXX has locked my XXXX feature from CIT App because I raised a complaint about how she handled my XXXX dispute a month ago. This won't sound good, but it is a fact - your bank is run by a bunch of white collar crooks, unfortunately I don't have the power to straighten these crooked people like XXXX XXXX. 

XXXX XXXX personally sent an email to the merchant at the time- a bank employee personally sending an email to a merchant is unheard of. Why did she do that? Because she and the merchant are both XXXX, and so she sabotaged my dispute in favor of the merchant, her own people. The crooked XXXX XXXX went one step ahead and locked my XXXX  functionality from my account after I raised a complaint about her, as confirmed by a CIT telephone supervisor. 

This will be escalated to all the directors of all the US banking authorites individually, and they all will be asked to dig out the internal communications that went back and forth from XXXX XXXX 's email address and communication from her internal phone records.

Company response to consumer: Closed with explanation