Don't bother writing to Citi--you'll be ignored. File for arbitration with JAMS. Eventually, you';ll get the money because it's too small an amount for Citi to pay the arbitration and legal fees.

Yes, there's no reason for Citi to close your deposit accounts because of your credit card activities. But it can do it, and it does--it's vindictive that way. Most banks are.

https://www.citicards.com/cards/wv/J...E_Internet.pdf