1. First Citizens Bank

1. First Citizens Bank

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Mission Viejo, CA

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First Citizens Bank

2.3 (3 reviews)
Open 9:00 am - 5:00 pm

Services - First Citizens Bank

Personal banking

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15 years ago

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24 days ago

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3 months ago

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Orange County's Federal Credit Union

Orange County's Federal Credit Union

(93 reviews)

Horrible horrible customer services as a company. I travel to the border they did not autorice my…read moretransaction I was trying to pay to the dentist so I call them. 99% of time they do not answer the phone or call back I was beyond embarrassed I had the funds and the bank did not approved the transaction I call them Multiple times they did not answer the phone and did not return my phone call is not the first time so after 20 years as a good customer I will close my account for good. You save money with fees but customer services is horrible. I want to Rate them minus ~5 stars

Extremely disappointed with the mortgage underwriting team at OCFCU. Despite providing clear…read moredocumentation and citing specific Fannie Mae guidelines (B3-3.7-02) regarding business cash flow, the underwriting team ghosted me for a week, and their manager Monica Partida refused to apply standard industry add-backs, resulting in a wrongful denial. OCFCU went back on their word after I was promised by my loan officer Jennie Jacobson. that OCFCU would apply standard industry add-backs to my income. While she promised to use standard industry add-backs to secure my application (and Hard Credit Pull), they then fundamentally changed the "rules" during underwriting to deny the loan. Indeed, the entire culture at OCFCU is decayed with failed communication at each level. Even after escalating my credit appeal to the executive board, I was ghosted for two weeks with zero accountability or rebuttal. The executive board (Kathy Jumper, Donald Carazo and Jeff Harper) never sent me a single message acknowledging my escalated complaint and appeal. My appeal was affirmed and singed by OCFCU fourteen days after the fact and coincidentally the very same day I told them: "Too late, I will be publishing my bad experience with OCFCU online." Although, instead of simply emailing me an update, they claimed to have snail-mailed me the response to my appeal--nothing was ever received in my mailbox. If you are self-employed or have a complex income, save your credit score and go to a lender that actually understands modern secondary market requirements. UPDATE (May 13, 2026): After escalating this matter to the Executive Board and the NCUA, the Chief Lending Officer Jeff Harper personally intervened to make right on the misrepresentation of underwriting standards. The Credit Union has since facilitated the removal of the hard credit inquiry. While I appreciate the eventual accountability from leadership, I do believe the initial process for self-employed members remains flawed. 3 stars for the resolution, 1 star for the experience.

First Citizens Bank - banks - Updated July 2026

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