Is CIFB fraud?

• Monthly Maintenance Fees: Many users report being charged monthly fees for maintaining their accounts, especially for accounts that don't meet minimum balance requirements.
• ATM Fees: Charges may arise from using non-network ATMs, as customers often mention unexpected fees for withdrawals at other banks' machines.
• Overdraft Fees: Instances of overdrawing accounts lead to overdraft fees that users find surprising or higher than expected.
• Transaction Fees: Some customers discuss fees related to specific transactions, such as wire transfers or foreign currency exchanges.
• Subscription Services: Users sometimes find charges related to subscriptions or services linked to their accounts, like identity theft protection or fraud monitoring.
• Merchant Holds: Charges related to merchant holds for services such as hotel bookings or car rentals that many found confusing.
• Annual Fees: Certain credit cards linked to Citizens First Bank may have annual fees which users occasionally overlook.
• Failure to Cancel Services: Users have mentioned still receiving charges for services they thought they had canceled.
• Unauthorized Transactions: Some customers experienced unauthorized transactions and, as a result, have been charged fees related to fraud investigations.
• Account Upgrades or Downgrades: Charges may arise when changing account types that come with different fee structures.

If you see this charge and aren’t expecting it, you have various options.

First, try to contact the citizensfb.com via one of the support methods we listed below and inquire about the charge. See if they will refund it and cancel any associated subscriptions you might have.

If the citizensfb.com refused to issue a refund or you cannot get in touch with the company, call your bank or financial institution and open a credit card dispute. Record screenshot evidence from your prior conversations with citizensfb.com, and use that to open your credit card dispute. Tell your bank or credit card issuer that you do not recognize the charge and do not recall signing up for the service.

If this sounds like too much of a hassle, you can have Chargeback do it for you.

Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.

The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.

Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.

Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company’s terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.