Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Complaint is against this site Business Name : XXXX Website : XXXX XXXX XXXX I am filing a formal complaint against XXXX.org for deceptive business practices, misleading impersonation of a federal government agency, and unlawful recurring charges. I was attempting to file a XXXX XXXX XXXX ( XXXX ) report through the official XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Instead, I was misdirected to XXXX, a website that closely mimics the appearance and structure of the official government website. The site did not clearly and conspicuously disclose that it is a private third-party service unaffiliated with the U.S. government XXXX During the filing process : My credit card payment was repeatedly declined. I was prompted to enter my checking account and routing number instead. Once I entered my checking information, the payment processed immediately. There was no clear disclosure of recurring annual charges or subscription enrollment. There was no express written authorization for recurring XXXX withdrawals. No confirmation email clearly outlining recurring billing terms was provided. No cancellation mechanism was clearly disclosed. I later discovered that this company enrolled me in a recurring annual subscription without my informed consent and has continued charging my checking account. Last year, I experienced the first fraudulent charge from this company for an amount of {$340.00}. I filed a fraud complaint with my bank, but unfortunately it was not resolved. They failed to reverse the charges and the XXXX withdrawals from my checking account were not refunded. I sold my business in XXXX and no longer require any XXXX filing services. Despite this, the company charged my account without any prior authorization In XXXX for XXXX consecutive charges of {$340.00} on XX/XX/XXXX. I contacted my bank XXXX XXXX later to file a fraud claim. About XXXX weeks later, the claim was denied again without attempts to properly investigate this matter. The bank provided me with a number to the merchant and they asked me to resolve the issue directly with them. Unfortunately, the phone number did not work so I emailed the company on XX/XX/XXXX requesting : Immediate cancellation A refund of all charges Written confirmation of termination Unfortunately, I have not received a definitive response. After XXXX XXXX of sending multiple follow up messages, they responded saying my refund request was in their system but the reimbursement is based on their discretion and not guaranteed. Unfortunately, no refund has been received yet. I filed another fraud claim with my bank last week, XX/XX/XXXX but it was denied again yesterday. The bank is stating the refund is not possible because it has passed the window for the reimbursement. I am hoping to receive assistance in this matter and get a full refund from this company as all my other efforts have been unsuccessful. The branch stated today that they will not reverse the charges and as long as I keep the account opened I will have another charge for insufficient funds. According to them I should have over {$10000.00} in my account for it to be sufficient.

Company response to consumer: Closed with explanation