Consumer complaint received 2026-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
CONTRACT FRAUD / NOTICE OF DEMAND FOR PROOF OF FUNDING, ACCOUNTING, AND CHAIN OF ASSIGNMENTHAND DELIVERY PRESENTMENT REQUEST FOR BRANCH RECEIPT AND ACKNOWLEDGMENT Date : 28 FEB, 2026 To : Branch Manager and Authorized XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, North Carolina Re : Formal Demand for Proof of Consideration, Proof of Funding, Chain of Assignment, and AccountingAccount Number : XXXX : XXXX XXXX XXXX [ PRINCIPLE ] XXXX Form XXXX I. PURPOSE OF PRESENTMENT This Notice is being presented in person to establish formal record and lawful presentment pursuant to the Uniform Commercial Code as adopted in North Carolina, including : XXXX XXXX XXXX. XXXX ( Request for XXXX ) XXXX XXXX XXXX. XXXX ( Attachment and Enforceability of XXXX XXXX ) XXXX XXXX XXXX. XXXX ( Value and Consideration ) XXXX XXXX XXXX. XXXX ( Presentment ) You are hereby placed on formal notice and demand is made for strict proof of lawful funding, lawful consideration, lawful assignment, and lawful ownership of the above-referenced account. XXXX. DEMAND FOR PROOF OF FUNDING AND CONSIDERATION Produce competent documentary evidence establishing that lawful value was given, including : XXXX. Proof of payment made to originating dealer XXXX. Wire transfer confirmation, ACH trace, canceled check, or ledger entry XXXX. Date, amount, and originating funding account XXXX. General ledger entries reflecting acquisition of the alleged receivable Absent such proof, lawful consideration remains unverified. XXXX. DEMAND FOR COMPLETE CHAIN OF ASSIGNMENT Produce the complete chain of assignment and ownership, including : XXXX. XXXX XXXX XXXX XXXX XXXX. All assignment agreements XXXX. Any transfer, sale, or conveyance XXXX. Any securitization or trust transfer XXXX. Identification of all parties claiming interest IV. DEMAND FOR ACCOUNTING AND XXXX PERFECTION Produce : XXXX. Complete payment history ledger XXXX. Proof of XXXX perfection XXXX. Certified title record showing lienholder XXXX. Identity of XXXX entitled to enforce obligation V. NOTICE OF CONDITIONAL DISPUTE Until lawful proof is produced, the alleged obligation remains conditionally disputed. All rights are expressly reserved pursuant to XXXX XXXX XXXX. XXXX. VI. TIME FOR RESPONSE You are hereby given XXXX ( XXXX ) days from receipt of this Notice to provide the requested documentation. Failure to comply may constitute evidence of lack of standing, lack of enforceable interest, or defective assignment. XXXX. RECEIPT AND ACKNOWLEDGMENT OF PRESENTMENT This section is to be completed by First Citizens Bank branch personnel. Received by : ______________________________________ Title/Position : ______________________________________ Branch Location : ______________________________________ Signature : ______________________________________ Date Received : ______________________________________ Branch Stamp ( if available ) : Respectfully Presented, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX XXXX XXXX Rights Reserved Without WaiverUCC XXXX

Company response to consumer: Closed with explanation