Citi Denied My Refund But This Worked [citi] [#c-citi]

I want to share how I got $1216 back from Citi. It was not easy but one well-written email changed everything. Here is exactly what happened.

I noticed a charge from Citi that I did not authorize. I contacted them and got the standard denial. But I did some digging and found their own policy actually supported my case. I wrote a polite email quoting their policy and attached screenshots.

Within a week a supervisor responded. They processed the full $1216 refund. The key was staying calm and letting the evidence speak. Companies respond to facts not emotions.

I used LaimRefund to help research Citi policies and draft my appeal. It saved me hours of reading fine print. But the approach works either way: be prepared, be professional, be persistent.