Product: Checking or savings account

Complaint Regarding Unauthorized Charges and Dispute Handling by Citibank Date of Incident : XX/XX/year> XX/XX/year> Total Amount of Fraudulent Charges : {$1900.00} On XX/XX/year>, upon reviewing my account, I discovered numerous unauthorized charges originating from XXXX and XXXXXXXX XXXX located in XXXX different cities across XXXX. These charges were posted to my account between XX/XX/year>, and XX/XX/year>. The total amount of these fraudulent charges is {$1900.00}. 

I immediately contacted Citibank to file a dispute regarding these transactions, as I have not traveled outside the United States in XXXX, nor have I authorized the use of my debit card by anyone else. My debit card is not connected to my phone for XXXX XXXX or any other form of digital payment. 

Supporting Evidence : Employment Records : I have documentation of clocking in and out of my job in XXXXXXXX XXXX, during the dates of these international transactions, proving my presence in the XXXX. According to the Fair Credit Billing Act ( Regulation Z, 12 CFR 1026.12 ), my liability for unauthorized transactions is limited to {$50.00}. Per the XXXX XXXX Transfer Act ( Regulation XXXX ), banks are obligated to investigate and resolve disputes within specific timeframes and ensure thoroughness in their investigations. 
Despite my timely report and provision of evidence, Citibank denied my claim within XXXX hours, stating they were " unable to honor '' it. This rejection demonstrates : A failure to conduct a comprehensive and adequate investigation. 
A lack of security measures to notify or block suspicious international transactions. 
Neglect in adhering to consumer protections required by federal law. 

Details of Fraudulent Charges : Below is a list of the unauthorized transactions : Date Location Amount Time XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citibank 's Handling of the Dispute : When I visited my local Citibank branch, the XXXX stated that they do not handle fraud disputes at the branch level and handed me a business card instead. This dismissal further underscores Citibank 's inadequate response to this matter. 

In accordance with Consumer Rights and Legal Obligations : Under federal law, I am entitled to : Limited Liability for Unauthorized Transactions : Per XXXX, my liability can not exceed {$50.00} for unauthorized charges. 
Adequate Investigation : Citibank is required to determine whether the charges were fraudulent and verify details such as : Was a physical card used? 
Was a PIN or chip required? 
Did the merchant follow ID verification procedures, as stated on the back of my debit card? 
Additional Actions Taken : I have filed the following reports : A local police report. 
An identity theft report with the Federal Trade Commission ( FTC ). 
A case with the Federal Bureau of Investigation ( FBI ).