Review Time
We took out two business loans for terms I later learned were JUST short of predatory lending (the legal definition). A brand new business which ended up using the majority of the loans to make loan payments. When the loan money ran out and we were still a fledgling business we asked to renegotiate. $7000 a month isn’t a realistic loan payment. They offered to refinance at a LITTLE less monthly, but wanted a big fee to do so. Unsustainable. They rejected all reasonable offers. Then they decided to take us to court. All negotiation offers are refused. To the point that THEIR lawyer was willing to work with us. But not First Citizens. We are now going through bankruptcy because the only solution the bank will accept is payment in full.
Start your business in your mom’s basement and work three jobs if you have to (two wasn’t enough to keep me afloat as a result of this loan). Borrowing from actual loan sharks might be safer.
We took out two business loans for terms I later learned were JUST short of predatory lending (the legal definition). A brand new business which ended up using the majority of the loans to make loan payments. When the loan money ran out and we were still a fledgling business we asked to renegotiate. $7000 a month isn’t a realistic loan payment. They offered to refinance at a LITTLE less monthly, but wanted a big fee to do so. Unsustainable. They rejected all reasonable offers. Then they decided to take us to court. All negotiation offers are refused. To the point that THEIR lawyer was willing to work with us. But not First Citizens. We are now going through bankruptcy because the only solution the bank will accept is payment in full. Start your business in your mom’s basement and work three jobs if you have to (two wasn’t enough to keep me afloat as a result of this loan). Borrowing from actual loan sharks might be safer.
I have two loans with this company. I provided insurance from the first day for both vehicles. They have been charging me insurance from day one. After raising hell with them, they assured me they would credit my account. Not give me back a check for the insurance. They helped themselves to the insurance payment. As of today, 02-19-2026, they still owe me the credit. of about $1475.00. I was told they just got the insurance canceled. So it might be a while until I see the credit. Yet I spoke with them in December, and they confirmed thwy had the insurance certificate from my insurance company.
First citizens bank on Old Doninion in Charlottesville VA is an extremely poorly managed bank with lazy irresponsible ignorant tellers and bank associates with zero customer service commitment and skills. Now they set limits on use of Zelle and access to money in accounts. I highly recommend that you avoid this bank. BTW the tellers openly make racist comments - it is so offensive and disrespectful. I am closing all four of my accounts tomorrow.
This bank is shady af.. They have screwed us out of so much money! You get what you spend on the app and when you call what they say does not match what you have in front of you!! They are rude and speak to you like you have no sense of whats going on! We are absolutely changing our bank and whoever reads this would be smart to do so also
Always looking for a way to nickelAnd dime you to death. They are charging me a fee because I deposit too much money in a month??! This is total B S. When I first opened my account, they charged me monthly fees on a free checking account and refused to refund my money. I should have left then.
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First Citizens Bank helps personal, business, commercial and wealth clients build financial strength that lasts. Headquartered in Raleigh, N.C., First Citizens has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services including a network of more than 500 branches and offices in 30 states; commercial banking expertise delivering best-in-class lending, leasing and other financial services coast to coast; innovation banking serving businesses at every stage; and a nationwide direct bank. Parent company First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a top 20 U.S. financial institution with more than $200 billion in assets. Discover more at firstcitizens.com. Member FDIC and an Equal Housing Lender.See more
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