STATEMENTS, September2023 3287

Checking Account
US702 | BR392
ROP 450
Statement
P.O. Box 7000
Providence, RI 02940
Page 1 of 7
Beginning August 24, 2023

through September 26, 2023
Questions? Contact us today:

LUKE M COSSMAN
1350 WOODBOURNE RD APT H140 CALL:

LEVITTOWN PA 19057-1225 Checking Account Customer
Service
1-888-910-4100
VISIT:
Access your account online:
citizensbank.com
MAIL:
Citizens
Customer Service Center
P.O. Box 42001
Providence, RI 02940-2001
LUKE M COSSMAN
Student Checking
XXXXXX-328-7
Student Checking for XXXXXX-328-7
Balance Calculation
Previous Balance 2,028.43
Checks - .00
Withdrawals & Debits - 2,999.18
Deposits & Credit + 4,205.73
Current Balance = 3,234.98
Your Student Checking account, available to individuals under 25 years old, has no monthly maintenance fee. Once you turn 25, your
account will be converted to One Deposit Checking from Citizens Bank.
Your next statement period will end on October 25, 2023.
TRANSACTIONDETAILS FOR CHECKING ACCOUNT ENDING 328-7
Previous Balance
Withdrawals & Debits **
**May include checks that have been processed electronically by the payee/merchant.
2,028.43
Date Amount Description

Total Withdrawals &
ATM/Purchases Debits
08/24 3.92 4752 POS DEBIT - 520528 WAWA 8107 BRISTOL PA - 2,999.18
08/28 10.00 4752 DBT PURCHASE - 227135 FANDUELCASPRIMAR

9717083015 NJ
08/28 14.92 4752 DBT PURCHASE - 785733 XL-NBC PHILADELPH IA PA
08/28 14.00 4752 DBT PURCHASE - 268544 CASH APP*STEVEN

AN8774174551 CA
08/28 13.32 4752 DBT PURCHASE - 785733 XL-NBC PHILADELPH IA PA
Please See Additional Information on Next Page

Page 2 of 7
Student Checking for XXXXXX-328-7 Continued
Withdrawals & Debits (Continued) **


ATM/Purchases (Continued)
08/28 153.00 4752 DBT PURCHASE - 216027 PHILLIES TICKETS

800-352-02 12 PA
08/28 7.50 4752 DBT PURCHASE - 258540 CASH APP*TYLER

DEM8774174551 CA
08/28 16.00 4752 DBT PURCHASE - 251061 SQ *CITIZENS BANK

Philadelph ia P
08/28 9.71 4752 DBT PURCHASE - 006393 ARAMARK CITIZENS

BPHILADELPH IA P

9717083015 NJ

9717083015 NJ
08/28 40.00 4752 ATM CASH - PD2162 649 E LINCOLN HWY

LANGHORNE PA
08/29 10.00 4752 DBT PURCHASE - 297170 FANDUELSBKPRIMAR

9717083015 NJ
08/30 23.54 4752 DBT PURCHASE - 257132 UBER EATS HELP.UBER.

COMCA

9717083015 NJ

9717083015 NJ
08/31 80.00 4752 ATM CASH - PD1560 3111 STATE RD CROYDON PA
08/31 9.83 4752 POS DEBIT - 520528 WAWA 8107 BRISTOL PA
08/31 6.65 4752 POS DEBIT - 00MM3G 7-ELEVEN LEVITTOWN PA
09/01 26.49 4752 POS DEBIT - 083610 EMPIRE CIGARS LEVITTOWN PA
09/01 3.81 4752 POS DEBIT - 520528 WAWA 8107 BRISTOL PA
09/05 21.99 4752 POS DEBIT - 001 GIANT 6324 LEVITTOWN PA
09/05 85.84 4752 POS DEBIT - 311351 TARGET T-1135 Langhorne PA
09/05 42.75 4752 DBT PURCHASE - 078209 PA COURTS FINES

AN877-227267 2 PA
09/05 25.44 4752 DBT PURCHASE - 227190 UBER EATS HELP.UBER.

COMCA

9717083015 NJ
09/05 28.01 4752 POS DEBIT - 062276 THE HOME DEPOT #41FAIRLESS
H ILLPA
09/05 110.00 4752 ATM CASH - PM3089 7625 NEW FALLS RD LEVITTOWN
PA
09/07 8.99 4752 DBT PURCHASE - 217456 LYFT RIDE THU 8A855-865-95
53 CA
09/07 3.92 4752 POS DEBIT - 520528 WAWA 8107 CROYDON PA
09/07 21.99 4752 POS DEBIT - 001 GIANT 6324 LEVITTOWN PA
09/08 150.00 4752 DBT PURCHASE - 000007 APPLE CASH SENT

MO1INFINITEL OOPC

9717083015 NJ
09/08 87.63 4752 POS DEBIT - 251031 TMOBILE*POSTPAID F800-937-89

97 WA

Page 3 of 7


09/11 23.00 4752 DBT PURCHASE - 230051 CASH APP*WILL

STAF800-969194 0 CA

9717083015 NJ
09/11 179.99 4752 POS DEBIT - 461000 ARAMARK - CITIZENSPHILADEL IA

PA

BPHILADELPH IA P

AN800-969194 0 CA

AN800-969194 0 CA
09/11 7.95 4752 DBT PURCHASE - 1 ONLYFANS.COM*A 8886880458 FL
09/12 62.50 4752 DBT PURCHASE - 993494 FAMILY SERVICE

ASSLANGHORNE PA

BPHILADELPH IA P

BPHILADELPH IA P
09/12 14.70 4752 DBT PURCHASE - 207174 LYFT RIDE TUE 8A855-865-95
53 CA
09/13 5.74 4752 DBT PURCHASE - 778961 La Vera Pizza RestCroydon PA
53 CA

9717083015 NJ
09/15 38.95 4752 DBT PURCHASE - 287960 BUFFALO WILD WNGS

LANGHORNE PA
09/15 14.93 4752 DBT PURCHASE - 217459 LYFT RIDE FRI 8A855-865-95
53 CA
09/15 5.00 4752 DBT PURCHASE - 280052 CASH APP*JENNIFER

800-969194 0 CA
09/18 10.00 4752 DBT PURCHASE - 091814 MGM*BETMGM CR &

DBJERSEY CIT Y NJ

9717083015 NJ

9717083015 NJ
09/19 6.00 4752 DBT PURCHASE - 260078 CASH APP*BRIAN

DON800-969194 0 CA
09/20 10.00 4752 DBT PURCHASE - 101573 MGM*BETMGM CR &

DBJERSEY CIT Y NJ

9717083015 NJ

Page 4 of 7



9717083015 NJ

DON800-969194 0 CA
09/21 6.00 4752 DBT PURCHASE - 000007 APPLE CASH SENT

MO1INFINITEL OOPC

9717083015 NJ

9717083015 NJ
53 CA

DON800-969194 0 CA

9717083015 NJ

9717083015 NJ
09/22 21.72 4752 POS DEBIT - 081357 BRISTOL BEER C BRISTOL PA
09/25 90.50 4752 DBT PURCHASE - 226020 PHILLIES MOBILE

PA800-352-02 12 C

9717083015 NJ

BPHILADELPH IA P

BPHILADELPH IA P

9717083015 NJ
09/25 130.00 4752 ATM CASH - PM3711 3260 BATH RD BRISTOL PA

9717083015 NJ

9717083015 NJ
09/25 15.00 4752 DBT PURCHASE - 000000 BARSTOOL

SPORTSBOO856-502 5 PA
09/26 10.00 4752 DBT PURCHASE - 000000 BARSTOOL

SPORTSBOO856-502 5 PA
09/26 14.90 4752 DBT PURCHASE - 287458 LYFT RIDE TUE 8A855-865-95
53 CA
Other Withdrawals & Debits
09/15 20.00 CAPITAL ONE MOBILE PMT 230914 3SC90WIMWCY9LE1
09/18 250.00 CAPITAL ONE CRCARDPMT 230915 3SCFGQHAFG06CBJ
09/25 35.00 CAPITAL ONE CRCARDPMT 230922 3SDWO7Z5660AKJT

Page 5 of 7
Deposits & Credits Total Deposits & Credits
Date Amount Description + 4,205.73
08/25 760.00 4752 ATM DEPOSIT - ML6453 LANGHORNE WALK UP,

LANGHORNE PA
08/25 140.00 4752 ATM DEPOSIT - ML6453 LANGHORNE WALK UP,

LANGHORNE PA
08/28 90.39 4752 POS CREDIT - 1 CASH APP*CASH OUT Visa Direc t CA
08/28 50.00 4752 POS CREDIT - TID-11 Betfair InteractivVisa Direc t FL
08/29 26.60 4752 POS CREDIT - 039724 1INFINITELOOP@AP 8772338552

CA
08/30 600.46 UNIFIRST CORP DIRECT DEP 230901
CITIZENS PAID EARLY
09/05 53.19 4752 POS CREDIT - 039724 APPLE CASH INST

XF8772338552 CA
CITIZENS PAID EARLY
09/07 57.97 4752 POS CREDIT - 1 CASH APP*LUKE COSSVisa Direc t CA
09/07 39.30 4752 POS CREDIT - 1 CASH APP*LUKE COSSVisa Direc t CA
09/07 25.61 4752 POS CREDIT - 039724 APPLE CASH INST XFVisa Direc t
CA
CA
CITIZENS PAID EARLY
09/15 220.36 4752 POS CREDIT - TID-11 Betfair InteractivVisa Direc t FL
CA
09/19 40.28 4752 POS CREDIT - 1 CASH APP*LUKE COSSSan Franci

scoCA
CITIZENS PAID EARLY

scoCA

scoCA
CA
CA
CA

scoCA
09/26 190.00 4752 POS CREDIT - TID-12 Penn Interactive VVisa Direc t FL
Daily Balance Current Balance
Date Balance Date Balance Date Balance = 3,234.98
08/24 2,024.51 09/06 3,391.23 09/18 2,886.74
08/25 2,924.51 09/07 3,319.21 09/19 2,861.02
08/28 2,766.45 09/08 3,071.58 09/20 3,439.94
08/29 2,783.05 09/11 2,785.32 09/21 3,358.50
08/30 3,344.97 09/12 2,646.02 09/22 3,315.32

Page 6 of 7
Daily Balance (Continued)
08/31 3,238.49 09/13 3,137.40 09/25 3,069.88
09/01 3,208.19 09/14 3,052.52 09/26 3,234.98
09/05 2,869.37 09/15 3,174.38

Page 7 of 7
ELECTRONIC TRANSFERS
In Case of Errors or Questions About Your Electronic Transfers
Checking Account Balance Worksheet (For Consumer Accounts Used Primarily for Personal, Family or Household
Before completing this worksheet, please be sure to adjust your Purposes)
checkbook register balance by Telephone us at the customer service number provided on Page 1 of this statement
Adding any interest earned

or write to us at the customer service address provided as soon as you can, if you

think your statement or receipt is wrong or if you need more information about an
Subtracting any fees or other charges electronic transfer on the statement or receipt. We must hear from you no later than
1
60 days after we sent you the FIRST statement on which the error or problem
appeared.
Your current balance on this statement

Tell us your name and account number, if any.
$
Describe the error or the transfer you are unsure about, and explain as
clearly as you can why you believe it is an error or why you need more
information.

Current Balance
2 Tell us the dollar amount of the suspected error and, if possible, the date
it appeared on your statement or receipt.

List deposits which do not appear on this statement
It will be helpful to us if you also give us a telephone number at which

Date Amount Date Amount
you can be reached in case we need any further information.
For consumer accounts used primarily for personal, family, or household purposes,
we will investigate your complaint and will correct any error promptly. If we take
more than 10 business days (20 business days if you are a new customer, for
electronic transfers occurring during the first 30 days after the first deposit is made
to your account) to do this, we will credit your account for the amount you think is in
error, so that you will have the use of the money during the time it takes us to
complete our investigation.
+ $
(For other accounts, we investigate, and if we find we have made an error, we
Total of 2
3
credit your account at the conclusion of our investigation.)
OVERDRAFT LINES OF CREDIT

Subtotal by adding 1 and 2
BILLING RIGHTS SUMMARY
What To Do If You Think You Find A Mistake On Your Statement:
= $ If you think there is an error on your statement write to us at the customer service
address provided as soon as possible.
Subtotal of 1 and 2
4
In your letter, give us the following information:
List outstanding checks, transfers, debits, POS purchases or

Account information: Your name and account number.
withdrawals that do not appear on this statement.
Dollar amount: The dollar amount of the suspected error.
Date/
Check No.
Amount Date/
Check No.
Amount
Description of Problem: If you think there is an error on your bill, describe
what you believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do
we are not required to investigate any potential errors and you may have to pay the
amount in question. While we investigate whether or not there has been an error
the following are true:
We cannot try to collect the amount in question or report you as

delinquent on that amount.
The charge in question may remain on your statement and we may

continue to charge you interest on that amount. But, if we determine that
we made a mistake, you will not have to pay the amount in question or
any interest or other fees related to that amount.
While you do not have to pay the amount in question, you are
responsible for the remainder of your balance.
- $ We can apply any unpaid amount against your credit limit.
Total of 4
INTEREST CHARGE CALCULATIONS FOR OVERDRAFT LINE
5 Subtract 4 from 3. This should match your checkbook register
balance.
OF CREDIT ACCOUNTS BASED ON AVERAGE DAILY
BALANCE COMPUTATION METHOD
Calculating your Interest Charge

We calculate the interest charge on your Overdraft Line by applying the Daily
= $ Periodic Rate to the Average Daily Balance. Then, we multiply that result by the
Total number of days in the billing cycle in which a balance is owed on your Overdraft
CUSTOMER SERVICE Line. This gives us the total interest charge for that billing period.
If you have any questions regarding your account or discover an error,call the
number shown on the front of your statement or write to us atthe following

Calculating your Average Daily Balance
address:
To calculate the average daily balance, we take the beginning balance of you
Overdraft Line each day (which does not include any unpaid interest charges or
Citizens fees), add any new loan advances as of the date of those advances and subtract
Customer Service Center any payments or credits. This gives us the daily balance. Then, we add all the daily
P.O. Box 42001 balances for the billing cycle together and divide the total by the number of days in
Providence, RI 02940-2001 the billing cycle. This gives us the average daily balance of your account.
Change of Address Credit Bureau Reporting

Please call the number shown at the front of your statement to notify usof a We may report information about your Overdraft Line to credit bureaus for each
change of address. joint account holder of your checking account. Late payments, missed payments, or
other defaults on your Overdraft Line may be reflected in your credit report. If you
DEPOSIT ACCOUNTS ARE NON-TRANSFERABLE
believe we have furnished inaccurate or incomplete information to a credit reporting
Personal deposit accounts, such as CDs and savings accounts, cannotbe
agency, write to us at the consumer service address provided and include your
transferred to another person or to a corporate entity.
name, address, account number, and description of what you believe is inaccurate
or incomplete.
Citizens is a brand name of Citizens Bank, N.A. REV12/22

Thank you for banking with Citizens.

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STATEMENTS, September2023 3287

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Checking Account

Beginning August 24, 2023

Questions? Contact us today:

1350 WOODBOURNE RD APT H140 CALL:

Student Checking for XXXXXX-328-7

Withdrawals & Debits - 2,999.18

Deposits & Credit + 4,205.73

Current Balance = 3,234.98

Your next statement period will end on October 25, 2023.

TRANSACTIONDETAILS FOR CHECKING ACCOUNT ENDING 328-7

Date Amount Description

08/28 10.00 4752 DBT PURCHASE - 227135 FANDUELCASPRIMAR

08/28 14.92 4752 DBT PURCHASE - 785733 XL-NBC PHILADELPH IA PA

08/28 14.00 4752 DBT PURCHASE - 268544 CASH APP*STEVEN

08/28 13.32 4752 DBT PURCHASE - 785733 XL-NBC PHILADELPH IA PA

Please See Additional Information on Next Page

Student Checking for XXXXXX-328-7 Continued

Withdrawals & Debits (Continued) **

Date Amount Description

08/28 153.00 4752 DBT PURCHASE - 216027 PHILLIES TICKETS

08/28 7.50 4752 DBT PURCHASE - 258540 CASH APP*TYLER

08/28 16.00 4752 DBT PURCHASE - 251061 SQ *CITIZENS BANK

08/28 9.71 4752 DBT PURCHASE - 006393 ARAMARK CITIZENS

08/28 10.00 4752 DBT PURCHASE - 207139 FANDUELCASPRIMAR

08/28 10.00 4752 DBT PURCHASE - 257459 FANDUELCASPRIMAR

08/28 40.00 4752 ATM CASH - PD2162 649 E LINCOLN HWY

08/29 10.00 4752 DBT PURCHASE - 297170 FANDUELSBKPRIMAR

08/30 23.54 4752 DBT PURCHASE - 257132 UBER EATS HELP.UBER.

08/30 15.00 4752 DBT PURCHASE - 227152 FANDUELSBKPRIMAR

08/31 10.00 4752 DBT PURCHASE - 267153 FANDUELSBKPRIMAR

08/31 80.00 4752 ATM CASH - PD1560 3111 STATE RD CROYDON PA

08/31 9.83 4752 POS DEBIT - 520528 WAWA 8107 BRISTOL PA

08/31 6.65 4752 POS DEBIT - 00MM3G 7-ELEVEN LEVITTOWN PA

09/01 26.49 4752 POS DEBIT - 083610 EMPIRE CIGARS LEVITTOWN PA

09/01 3.81 4752 POS DEBIT - 520528 WAWA 8107 BRISTOL PA

09/05 21.99 4752 POS DEBIT - 001 GIANT 6324 LEVITTOWN PA

09/05 85.84 4752 POS DEBIT - 311351 TARGET T-1135 Langhorne PA

09/05 42.75 4752 DBT PURCHASE - 078209 PA COURTS FINES

09/05 25.44 4752 DBT PURCHASE - 227190 UBER EATS HELP.UBER.

09/05 25.00 4752 DBT PURCHASE - 277170 FANDUELCASPRIMAR

09/05 52.98 4752 POS DEBIT - 083610 EMPIRE CIGARS LEVITTOWN PA

09/07 160.00 4752 ATM CASH - PD1560 3111 STATE RD CROYDON PA

09/07 3.92 4752 POS DEBIT - 520528 WAWA 8107 CROYDON PA

09/07 21.99 4752 POS DEBIT - 001 GIANT 6324 LEVITTOWN PA

09/08 150.00 4752 DBT PURCHASE - 000007 APPLE CASH SENT

09/08 10.00 4752 DBT PURCHASE - 287436 FANDUELSBKPRIMAR

09/08 87.63 4752 POS DEBIT - 251031 TMOBILE*POSTPAID F800-937-89

Please See Additional Information on Next Page

Student Checking for XXXXXX-328-7 Continued

Withdrawals & Debits (Continued) **

Date Amount Description

09/11 23.00 4752 DBT PURCHASE - 230051 CASH APP*WILL

09/11 40.00 4752 DBT PURCHASE - 267151 FANDUELSBKPRIMAR

09/11 179.99 4752 POS DEBIT - 461000 ARAMARK - CITIZENSPHILADEL IA

09/11 9.71 4752 DBT PURCHASE - 006393 ARAMARK CITIZENS

09/11 16.00 4752 DBT PURCHASE - 290093 CASH APP*STEVEN

09/11 14.00 4752 DBT PURCHASE - 280121 CASH APP*STEVEN

09/11 7.95 4752 DBT PURCHASE - 1 ONLYFANS.COM*A 8886880458 FL

09/11 10.36 4752 POS DEBIT - 520528 WAWA 8107 CROYDON PA

09/12 62.50 4752 DBT PURCHASE - 993494 FAMILY SERVICE

09/12 14.29 4752 DBT PURCHASE - 006393 ARAMARK CITIZENS

09/12 17.81 4752 DBT PURCHASE - 006393 ARAMARK CITIZENS

09/12 30.00 4752 ATM CASH - PD1561 3111 STATE RD CROYDON PA

TRANSACTIONDETAILS FOR CHECKING ACCOUNT ENDING 328-7