Just got off the phone right now with Citi and I'm ....ing livid.

They caught a fraudulent charge on my Prestige account for the amount of $227 at a Walmart in Georgia (I'm in CA). I send that text message alert thing saying that it wasn't mine. I have the card in my possession in my wallet. It's right in front of me and I for sure haven't made any trips to Georgia. They called me today saying that the charge was made via the chip on the card and that there's no possible way that a chip can be fraud and that they can't credit back that charge. So they're saying, in the entire history of chip transactions, there hasn't been one case of fraud? I got heated. I've been a customer for over 10 years and have 7 accounts with Citi with almost 50k in credit line. Do they really think that I will go through all of this for $227 at Walmart? I told her I wanted to speak to a manager and she said she'll have one call me back within 24 hours.

What are my options at this point? This would have never happened with Amex. I'm this close to just closing all of my accounts and say .... them if they try to stick me with the $227.