I had a hell of a time with Citizens when I had my card info stolen at an ATM in Boston. the thief withdrew $800 twice, and because the transactions were so similar, it took me months of back and forth to get the full $1600 back. because the bank thought they were the same and just sent me $800. of course that was when I was living paycheck to paycheck in my early 20's and I was f*cked.