In XX/XX/XXXX, I sent a check for {$99.00} to Citibank as payment for my wife 's credit card. The money was not applied to her credit card. Instead, it was inadvertently applied to XXXX of my closed credit cards which was discharged in a bankruptcy in XX/XX/XXXX. I called Citibank on XX/XX/XXXX and inquired about the payment, informing them that I had mailed a check for {$99.00} for my wife 's Citibank credit card, but the payment was not showing on her account. Citibank informed me that they had mistakenly applied the {$99.00} to XXXX of my credit cards that had been discharged in a XX/XX/XXXX bankruptcy instead of my wife 's current Citibank credit card. They then informed me that they would be mailing a refund to me for {$99.00} no later than XX/XX/XXXX. Today is XX/XX/XXXX, and I still have not received the refund. I contacted Citibank again today and they told me that there is a possibility that I will NOT receive a refund, without giving an explanation why. As stated earlier, Citibank has acknowledged their mistake by applying the funds to an account which was closed in XX/XX/XXXX and discharged in bankruptcy. 
