Consumer complaint received 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
My checking with First Citizens is a mess and a joke! 

Checking XXXX We have several billionaires that were submitted into the bank over the last several months unfortunately the employees for the bank are either an incompetent or don't know what they're doing anytime you get help you get routed to a foreign country I have well over {$3000.00} and product the purchase that was never received and they completely do absolutely nothing within their billing dispute section of first Citizens Bank.

Below are just a few charges that should of been credit back 12 weeks ago but First Citizens Bank does nothing and are keeping mine money! 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Type : Debit What is truly amazing after talking to the customer service department for first Citizens Bank they refer it to the billing dispute section and nobody gets back to nobody calls you there are no verification of transactions placed on the account and the misconduct and abuse by this bank is absolutely quite frankly mind boggling they ought to be shut down and sanctioned for some of the worst customer service I've ever seen in my entire life it's quite frankly disgusting!!!!!!!!!! 
i only have one email which does not do a thing to fix any issues! 

Account Inquiries XX/XX/XXXX - XXXX XXXX Dear XXXX XXXX, Thank you for your message. We appreciate the opportunity to respond to your inquiry. Updates are provided with in XXXX business days and are sent via this communication channel, in writig or vis phone call. We do not send updates to personal emails. 

If you need further assistance, please do not hesitate to send us a message or call us toll free at XXXX XXXX ( XXXX ). You can also contact us internationally at XXXX. Our representatives are available Monday - Friday XXXX to XXXX EST, XXXX XXXX XXXX XXXXXXXX to XXXX EST. Thank you for contacting First Citizens Bank. We appreciate your business. 
Sincerely, XXXX Customer Support Specialist See Credit card holder sufficiently alleged that she was at risk of concrete and particularized harm, as required to satisfy injury in fact requirement for Article III standing, from bank 's alleged noncompliance with TILA requirement that consumers be notified that certain consumer rights pertain only to disputed credit card purchases not yet paid in full and that consumers dissatisfied with a credit card purchase must contact the creditor in writing or electronically ; given that the disclosure requirements served to protect a consumer 's concrete interest in avoiding the uninformed use of credit, holder was not required to allege any additional harm beyond procedural violations, and holder sought to vindicate interests particular to her rather than the public at large. Strubel v. Comenity Bank, C.A.2 ( N.Y. ) 2016, 842 F.3d 181.

Company response to consumer: Closed with explanation