Charles Frederick Morgan was born in Tranmere, Cheshire, England in the early months of 1868.

He was the son of Welsh parents Nathaniel Morgan (1832-1909), a draper, and Jane Elizabeth, née Morgan (b. 1832), natives of Newtown, Montgomeryshire, who had married in Liverpool on Christmas Eve 1862. Charles had four known siblings: Kate Ash (b. 1866), Henry David (b. 1870), and Ethel May (b. 1874).

Charles first appears on the 1871 census living with his family at 11 Rodsham (?) Street, Tranmere, moving to 1 Downham Road in that town by the time of the 1881 census. Still unmarried and living with his family, now at 27 Milton Road, Tranmere on the 1891 census, Charles was described as a broker's clerk. He later saw military service, as a Quartermaster, in South Africa during the Boer War with the Western Province Mounted Rifles. He was by this time going by the name of Charles Bird.

Charles was later married to a woman named Margaret and they had three daughters: Nellie and Louisa, twins born in Birkenhead in 1908, and a daughter named Cissie. The twin girls are listed as visitors at 61 Exmouth Street, Birkenhead, the home of their aunt and uncle Isaac Conyers and Louisa Whitehead. The whereabouts of their mother and sister is unknown and their father Charles was likely at sea.

When he signed on to the Titanic, as C. F. Morgan, on 4 April 1912, he gave his address as 16 Bessborough Road, Birkenhead and his previous ship as the Highland Currie (?). As a storekeeper, he could expect monthly wages of £3, 15s.

Charles Morgan died in the disaster. His body, if recovered, was never identified. He is remembered on his parents' grave in Flaybrick Hill Cemetery, Birkenhead:

TO THE MEMORY OF
CHARLES F. MORGAN
WHO WAS DROWNED THROUGH THE FOUNDERING
OF THE S.S. "TITANIC"
15TH APRIL 1912, AGED 44 YEARS
"NEARER MY GOD TO THEE"

His wife and children were assisted financially by the Titanic Relief Fund. Their further whereabouts are unknown.