5 Citi Refund Email Templates That Got Me $61 Back

I have written probably 50+ refund emails to Citi over the years for myself and friends. Some worked. Some flopped. After trial and error I landed on a formula that works about 80% of the time. Let me break it down so you do not have to learn the hard way.

Subject Line: Keep it boring and functional. Something like "Refund Request - Order #[Number] - [Reason]". Agents skim. Make it obvious what the email is about. Clever subject lines get ignored.

Opening: Start with "Hello, I am requesting a refund for order #[Number]." That is it. Do not apologize. Do not write a novel. State your request clearly in the first sentence. Then provide the reason in 2-3 sentences max.

Evidence: This is the part most people mess up. Attach screenshots. One PDF with labeled pages is better than five separate files. Show the problem, show the policy, show the timeline. Citi's agent should be able to approve your refund without asking for more info.

The Ask: Be specific. "I am requesting a full refund of $61 to my original payment method." Do not leave room for interpretation. Vague requests get vague responses.

Follow-up: If you do not hear back in 5 business days, send a polite follow-up. If they say no, ask for escalation to a supervisor. Most first-line agents cannot override policy. Supervisors can. Be the squeaky wheel but do not be rude.

I built LaimRefund specifically because writing these emails takes time and most people do not know what to say. It searches Citi's policies plus consumer laws in real time and writes a professional letter. But honestly even the template above will get you 80% of the way there.