Contact the merchant directly to resolve the issue. Ask for a credit or a replacement of the merchandise or services in question. If they refuse or do not answer your request, then go on to the steps that follow.
Locate your Citi card statement either online by signing into your account with your username or password. This is located in the left-hand column. Alternately, you can also look on your monthly paper statement that you receive by mail. Look for the credit card charge in question under the monthly charges column. The link to Citi cards can be found in the Resources section below.
Print out your Citi card statement if you do not have a printed copy, and circle the entire item you wish to dispute, including the phone number and any other information listed across the page.
Go online to the Citi card's website if you have Internet access. Sign into your account. Then click on the "Contact Us" column on the right side of your screen and click the "Disputes" link on that page. If you do not have Internet access, skip this step and call 1-866-775-0557. Customer service will probably have you write a letter explaining the dispute.
Print out the Citi Dispute Form and call 1-866-775-0557 to get a reference number to fill in at the top of that form.
Fill in the dispute form with as much information as possible, including the main reason for the dispute along with your credit card number. Attach a letter or write on the back of the form if more space is needed. Make sure you sign the form at the top or it will be returned to you, thus delaying the dispute process.
Once you have completed your discussion with the Citi customer service representative, make a copy of your completed dispute form and mail with a copy of your statement to Citi, Attn: Disputes, P.O. Box 6013, Sioux Falls, SD 57117.
You should hear something within 14 days. If you do not, be sure to call customer service and follow up with them. If Citi cannot help you, then you may have to contact the merchant again.