Case file: Citizens Bank
Every government filing on this incident, the dates as stated, and the days to notice against each state's statute. Built from the records on Nov 9, 2026, agency link on every row. Not legal advice.
The incident
- Breach window
- Sep 10, 2026
- Discovered
- Sep 10, 2026, as stated in the California letter
- State and federal records
- 2 filings, Oct 19, 2026 to Oct 20, 2026
- Residents counted
- 14,371 in 1 state (TX), latest filing per state
- Everyone affected
- 1,260,000, as reported to Texas AG on Oct 20, 2026
- Information exposed
- Social Security number, Date of birth, Postal address
- Offered to those affected
- credit or identity monitoring through Experian (term not stated in the letter we read)
- Third party named
- Yes, the letter attributes the incident to a vendor or service provider
- Days to notice
- Past the statutory period in 1 of the 2 states that set one, counted from discovery to each state's first record
- Prior incidents
- 1 earlier incident on record for this organization
The letter: "On September 10, 2026, Citizens identified an issue that allowed some data to be accessed by an unauthorized third-party."
Filings
| Agency | Record date | People | In total | Days to notice | Links |
|---|---|---|---|---|---|
| Texas Texas AG | Oct 20, 2026 | 14,371 | 1,260,000 | 40 days, statute 60 days | Record |
| California California AG | Oct 19, 2026 | Not published | 39 days, statute 30 days, over | Letter Record |
People is the count the filing gives, residents of the state unless marked total. Days to notice runs from the discovery date the letter states, or from the end of the breach window when no letter states one, to the date on the state's first record of the incident. "Over" marks a count past the days the state's statute allows for notice to residents. The statute's trigger is a question of fact, the days are arithmetic.
Notice timing, state by state
- 40 days from discovery (Sep 10, 2026) to the Texas record (Oct 20, 2026). Statute: 60 days from determination that the breach occurred (Tex. Bus. & Com. Code § 521.053).
- 39 days from discovery (Sep 10, 2026) to the California record (Oct 19, 2026). Statute: 30 days from discovery or notification of the breach (Cal. Civ. Code § 1798.82).
The statutes
- Texas: 60 days to notify residents from determination that the breach occurred, Tex. Bus. & Com. Code § 521.053. Attorney General within 30 days of determination when 250 or more Texas residents are affected.
- California: 30 days to notify residents from discovery or notification of the breach, Cal. Civ. Code § 1798.82. Sample notice to the Attorney General when more than 500 Californians are notified, within 15 days of the consumer notice (effective 2026).
Prior incidents by Citizens Bank
| Records | Breach window | Filed with | People |
|---|---|---|---|
| Aug 10, 2026 | Not stated in the filings | Massachusetts | 8 residents |
Filings more than six months apart are shown as separate incidents.
Filings by others that name Citizens Bank
Clients of a breached vendor often file under their own names and name the vendor.
- Citizens Bank, NA, Massachusetts, Apr 28, 2026, 428
Sources and method
Records as published by Texas AG, California AG. Letter facts (discovery date, monitoring, third party) are read from the consumer letter the agency posted, 1 letter read for this incident, and quoted so you can check them. Texas and HHS publish no letters. First-seen times on each record page. Spot an error? Email support@breachtally.com with this page link.