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Problem with fees. This is regarding the Citi XXXX XXXX cards. I had previously had Citi AAvantage XXXX World Elite Mastercard, when I first signed up the annual fee was {$490.00}, within months of me opening it the fee increased to {$590.00}. After having the card for 2 years, I decided the fee was not worth the perks. Instead of closing the card, to avoid lowering my credit, I decided to downgrade the card to their free version. The downgrade to their XXXX XXXX AAdvantage XXXX Card officially went through on XX/XX/XXXX, where i could no longer use my XXXX card. On XX/XX/XXXX I was charged the {$590.00} annual fee despite no longer having/having access to that card. It took 51 days and multiple phone calls to get that refunded and even then I was not refunded in full, I received {$540.00