Credit Card Center Advertiser Disclosure

Established Member
Posts: 11
Registered: ‎05-22-2012
0 Kudos

Charge off First Citizen Bank (jerks)

when i was a bit younger and not as wise I closed my bank account with First Citizens. I went in withdrew remaining funds and closed account. Well apprently a $9 charge went through for a recurring subscription that i was un aware of. Now of course this $9 turned into $200 after fees and late payments etc. this was a checking account btw. Now first citizens never notified me no call,email, mail etc As i moved I did not recevied mail. I did a credit report and found the account and called them up and said I would like to take care of this if you stop reporting etc. I payed it and they gave me documents stating they would remove it (i lost documents btw Smiley Sad ) the charge off is still on my report today 5 years later and I have been using lexington law to help remove items (they have remvoved 4 already) but this one is still lingering? I have not tried a GW but i did call and ask if they could the lady was rude and called me a dead beat even though I paid it and the bank didnt notify me and I had documentation stating they would remove it? anything I can do about this? I have been sending them letters to cofirm the account etc just to give them tons of paper cuts and cost them money and time. still no affect? it was removed from Experian but not TU or EX?

Community Leader
Epic Contributor
Posts: 29,735
Registered: ‎03-19-2007
0 Kudos

Re: Charge off First Citizen Bank (jerks)

Apart from not living up to their agreement, it is apparently reporting correctly.


Disputes through the CRA challenging the accuracy will, if the creditor chooses not to delete, most likely bear little fruit, as the CRAs have a policy of no deletion based on payment, and thus are not apt to use their reinvestigation authority to delete on that basis.


Since you are using a credit repair organization, I would speculate that your remaining course of filing a direct dispute with the creditor has not yet been exercised, as credit repair organizations cannot file or assist in filing of a direct dispute.  A direct dispute will keep the CRA out of the process, and will require them to formally verify the accuracy of their reporting directly to you.  Basis for a direct dispute would be the innacuracy of continued CR inclusion of information that they have legally agreed to delete. 


If they still verify, recourse is to bring action in small claims court for breach of contract, and thus get the facts before a judge.  A bit troublesome is your statement that you have no documentation of the asserted contract.



Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.