La recepcionista me dijo que, si quería el reembolso completo, debía enseñar el cheque y la garantía.

Me is the indirect object pronoun meaning to me.

So:

• La recepcionista dijo... = The receptionist said...
• La recepcionista me dijo... = The receptionist told me / said to me...

In Spanish, this pronoun is very common when the person receiving the message is mentioned.

After verbs like decir, Spanish often uses que to introduce what was said.

• Me dijo que... = She told me that...
• Dijo que... = She said that...

This is very normal in Spanish and usually works just like English that, although English often drops that more easily than Spanish does.

These are two different words:

• si = if
• sí = yes or himself/herself/itself in some expressions

Here it is si quería el reembolso completo because it means if I wanted the full refund.

This is a very common spelling point for learners.

Quería is the imperfect tense of querer.

In this sentence, it fits because the receptionist was describing a condition from that moment in the past:

• si quería el reembolso completo = if I wanted the full refund

The imperfect is often used in reported speech and in si clauses when talking about a situation or condition in the past.

Why not the others?

• quiero = I want → present tense, so it does not match the past reporting frame
• quise = I wanted / I tried to → preterite, which sounds more like a completed event, not the ongoing condition being discussed

So quería is the natural choice here.

Debía is the imperfect of deber, and here it means I had to / I was supposed to.

It matches the past frame created by me dijo and quería:

• me dijo que... debía... = she told me that I had to...

Why imperfect?

Because the sentence is reporting a requirement that applied in that situation, not just a one-time completed action.

Comparison:

• debía = had to / was supposed to / needed to
• debí = I must have / I had to, but often sounds more completed or can have a different nuance
• tenía que = also possible in many contexts and very common in everyday Spanish

So debía is perfectly natural and slightly formal or neutral in tone.

Because this is a normal past condition, not a wish, doubt, or unreal clause requiring the subjunctive.

In Spanish, si is often followed by:

• a present or past indicative in real/possible conditions
• an imperfect subjunctive in hypothetical/unreal conditions

Here:

• si quería el reembolso completo, debía...

This means something like if I wanted the full refund, I had to..., which is a real condition in that past situation.

So the indicative quería is correct.

Yes, enseñar can mean to teach, but it also very commonly means to show.

Here it means to show:

• enseñar el cheque y la garantía = to show the cheque and the warranty/guarantee

This dual meaning is very common in Spanish.

Examples:

• Mi madre me enseñó a cocinar. = My mother taught me to cook.
• ¿Me enseñas tu billete? = Can you show me your ticket?

In this sentence, mostrar or presentar could also work in some contexts, but enseñar is completely normal.

Spanish uses definite articles more often than English does.

So:

• el cheque y la garantía

sounds natural and complete in Spanish.

Even where English might reduce repetition or sound more flexible with articles, Spanish often keeps them. Since cheque and garantía are two separate nouns with different genders, each one takes its own article:

• el cheque
• la garantía

Yes. Recepcionista is a noun that often has the same form for both masculine and feminine.

The article tells you the gender:

• la recepcionista = the female receptionist
• el recepcionista = the male receptionist

So the word itself does not change here; only the article does.

Reembolso completo means full refund.

Both completo and total can work in many contexts:

• reembolso completo
• reembolso total

Both are understandable and natural. Completo emphasizes complete/full, while total emphasizes total/in full. In practice, the difference is small here.

Spanish often omits subject pronouns because the verb ending already shows who the subject is.

• debía can mean I had to, he/she had to, or you (formal) had to, depending on context

Here, the context makes it clear that it refers to I:

• The receptionist told me
• If I wanted the full refund
• I had to show the cheque and the guarantee

So yo is unnecessary unless the speaker wants emphasis or contrast.

The commas separate the inserted conditional clause:

• La recepcionista me dijo que, si quería el reembolso completo, debía enseñar el cheque y la garantía.

The main structure is:

• La recepcionista me dijo que debía enseñar el cheque y la garantía.

And inside that, the condition is inserted:

• si quería el reembolso completo

The commas help readability by marking that interruption. In meaning, they do not change the core grammar very much, but they make the sentence easier to follow.

Yes. A native speaker might also say something like:

• La recepcionista me dijo que, si quería el reembolso completo, tenía que enseñar el cheque y la garantía.

This is very similar in meaning, but tenía que can sound a bit more conversational than debía.

You might also hear mostrar instead of enseñar in some contexts:

• ...tenía que mostrar el cheque y la garantía.

So the original sentence is correct and natural, but there are several everyday alternatives.