Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I filed a written dispute and online dispute for unauthorized transactions on my checking account. I have notified XXXX at Citizens Bank that I am hearing impaired after being told I need to call to verify my identity. This message was received via secure banking email. I asked several times to verity me via the secure email as I am hearing impaired and can not call. I have received no response and I believe this is a tactic to delay the filing of my dispute even thought I started my dispute online signed into my banking account. I have not choice but to enter this complaint based on the aforesaid information. Here is a copy/paste of my written dispute : XX/XX/year> Citizens Bank Fraud Department **Subject : Formal Dispute of Unauthorized Transactions Debit Card Ending in XXXX ( XXXX XXXX XXXX XXXX ) The system would not allow me to dispute all the transactions online. Please see the list below that needs to be disputed. 

This letter serves as a formal notification and dispute regarding several unauthorized transactions that have occurred on my checking account, account number \ [ Your Account Number ], accessed using my debit card ending in XXXX. 

On XX/XX/year>, I received a suspicious text message purportedly from Citizens Bank inquiring about a transaction at XXXX. This prompted me to review my recent account activity, at which point I discovered a series of unauthorized transactions. I did not authorize the following transactions, which I believe to be fraudulent. For clarity, I wish to confirm that the only transaction I authorized using the aforementioned debit card during this period was a purchase of gas at XXXX on XX/XX/year>, for {$15.00}. Any other transaction is unauthorized. 

* XX/XX/year>, \ {$52.00} - XXXX # XXXX XXXX Fl * XX/XX/year>, \ {$53.00} - XXXX XXXX XXXX XXXX * XX/XX/year>, \ {$10.00} - XXXX XXXX XXXX Fl * XX/XX/year>, \ {$20.00} - XXXX XXXX XXXX Fl * XX/XX/year>, \ {$13.00} - XXXX XXXX # XXXX XXXX Fl * XX/XX/year>, \ {$70.00} - Sq XXXX XXXX XXXX Fl * XX/XX/year>, \ {$10.00} - XXXX XXXX XXXX Fl  * XX/XX/year>, \ {$11.00} - XXXX XXXX  XXXX XXXX XXXX * XX/XX/year>, \ {$47.00} - XXXX XXXX XXXXXXXX XXXX XXXX Fl * XX/XX/year>, \ {$65.00} - Sq *St. XXXX XXXX Fl XXXX XX/XX/year>, \ {$6.00} - Sq *St. XXXX XXXX Fl * XX/XX/year>, \ {$5.00} - Sq *St. XXXX XXXX Fl * XX/XX/year> XXXX \ {$21.00} - Sq *St. XXXX XXXX Fl * XX/XX/year> XXXX XXXX {$43.00} - XXXX XXXX XXXX XXXX Fl * XX/XX/year>, \ {$66.00} - XXXX XXXX XXXX XXXX Fl * XX/XX/year>, \ {$37.00} - XXXX XXXX XXXX Fl * XX/XX/year> XXXX XXXX {$10.00} - XXXX XXXX XXXX XXXX * XX/XX/year>, \ {$37.00} - XXXX # XXXX XXXX Fl * XX/XX/year>, \ {$35.00} - XXXX XXXX XXXX Fl I expect a prompt response and resolution to this matter. I look forward to your confirmation that these fraudulent charges will be reversed and that steps have been taken to secure my account against future unauthorized access.

Company response to consumer: Closed with explanation