Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX  Involved : Frost Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Date of Transactions : XX/XX/year> XXXX. Transactions in Question Not disputed : {$330.00} purchase for payment XXXX Timeless Age-Defying Syringe Disputed as unauthorized : {$3000.00} Square debit Frost Bank XXXX 
{$4500.00} XXXX XXXX XXXX XXXX 
{$2000.00} coerced XXXX transfer to XXXX personal account Frost Bank. 
Total disputed : {$9500.00}. 



XXXX. Evidence of Unauthorized Activity a. Duplicate Charges for the XXXX XXXX XXXX invoices show the same XXXX  item charged across XXXX separate invoices ( {$330.00}, {$3000.00}, {$4500.00} ). 
I received only XXXX XXXX XXXX XXXX 
This duplication proves fabricated receipts, not legitimate sales. 

b. Duplicate {$3000.00} Charges at Different Times A {$3000.00} charge was logged at XXXX XXXX  ( before I arrived at XXXX XXXX ) and again at XXXX XXXX 
The vendor later claimed this was a XXXX time zone mistake. 
This explanation is false : XXXX separate receipts exist, showing manipulation. 

XXXX No Signed Authorization I never signed for these transactions. 
Squares defense packet includes no signed documentation because none exists. 

XXXX Receipts Sent After the Fact The receipts for the disputed charges were only texted to me later in the day, after I had left the vendor booth. 
This contradicts normal point-of-sale practices and undermines Squares claim of contemporaneous consent. 

e. Vendor Admission of Fraudulent Practices Text messages from the vendor admit to using custom check entries when a customer can not afford a purchase. 
They also coerced me into sending a {$2000.00} XXXX transfer to XXXX personally, bypassing normal consumer protections not the business XXXX Fraud Alerts and Timing Conflicts Frost Banks fraud system flagged a {$7000.00} attempt the same day. 
My parking timestamp and account logs confirm I was not present when the first {$3000.00} debit was processed in morning XXXX. Bank Failures Under Regulation E Frost Bank closed my claim as insufficient evidence despite clear proof of unauthorized debits and a coerced XXXX transfer. 
XXXX XXXX has failed to resolve the {$4500.00} debit. 
Neither bank issued provisional credit within XXXX business days, as required under 12 C.F.R. 1005.11 ( c ) ( 2 ) ( i ). 



XXXX. Requested Action XXXX. Reopen my claims under Regulation XXXX at both Frost and XXXX 
XXXX. Provide provisional credit for {$9500.00} immediately, as required by law. 
XXXX. Investigate Squares duplicate invoicing, fabricated line items, and coerced XXXX transfer. 
XXXX. Escalate this evidence to XXXX, XXXX, XXXX, and XXXX networks for further fraud review. 
XXXX. Provide written confirmation of resolution and timeline. 



XXXX. Exhibits Provided Exhibit XXXX : Bank logs showing {$3000.00} debit at XXXX AM before I arrived. 
Exhibit XXXX : Duplicate Square invoices showing repeated syringe charges. 
Exhibit XXXX : Vendor texts admitting custom check and XXXX transfer. 
Exhibit XXXX : XXXX payment proof to personal account XXXX. 
Exhibit XXXX : Frost fraud alert for {$7000.00} attempt. 
Exhibit XXXX : Parking timestamp confirming my later arrival. 
Exhibit XXXX : Product receipt packet sent after I left XXXX XXXX. 



Conclusion : I acknowledge a single {$330.00} syringe purchase. I did not authorize the {$3000.00} debit, the {$4500.00} debit, or the {$2000.00} XXXX transfer. The evidence provided by XXXX is inconsistent, duplicative, and contradicted by their own text messages. Frost and XXXX are in violation of Regulation XXXX for failing to issue provisional credit and properly investigate. I request immediate remediation and refund of {$9500.00}. 

Signed, XXXX XXXX XXXX

Company response to consumer: Closed with explanation