I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. Hopefully, the ones where a phone bill was paid will provide you with a name and more information. I have never had service with these companies. All of these charges took place more than two hours from where I live in XXXX, XXXX Several of the merchants I do not recognize. 
I did not initially identify these transactions as fraud because I am XXXX and XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain these transactions are fraudulent. I had to provide an agency with the last twelve months of statements. As I was reviewing my statements I noticed a fraudulent charge on another card. This prompted me to examine all of my past records/statements for all my cards. With assistance and hours of close examination of all my statements I discovered charges for cell phone companies that I had never had an account with. 
I was instructed by a representative to mail my explanation and charges to XXXX. I originally mailed this letter to Fraud Claims Department, CitiCard, XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX, 2016. It was returned to me as " Not Deliverable as Addressed '' on XXXX XXXX, 2016. On XXXX XXXX I spent over 2 hours on the telephone trying to dispute the XXXX charges with XXXX XXXX XXXX and the XXXX toll free numbers listed with the XXXX charges. Neither number worked. XXXX XXXX XXXX wanted a phone number, account number or a transaction code. These do n't appear on the statement. So I called CitiCard. They could n't provide any of this information so it makes it impossible for me to file a police report and they did n't offer a correct mailing address for sending my fraud claim and they claimed there was no fax number that I could fax my claim to. I have already been waiting for 3 1/2 weeks for a response. 
