Credit Card Law ?/Keeping the little guy down

by peachygbc_1 on Jan 19, 2009 1:20 PM CST Comment 15 comments

Slow day for the Rangers, so I am looking for a little lonestarball help.

Basically, I have a rewards credit card and have not received my reward gift card to Lowes in which I earned points for and redeemed. I called the credit card company and they said since it is after 90 days they cannot review this and will not send me the card. Again, they confirmed that I redeemed my points and it is not their fault I did not receive the card and they will not do anything about it. Also, I asked the customer service if they can show me where I signed the paper/contract that says they notify the customer of the 90 day policy and he said he could not and that they again could not research anything after 90 days.

I know it is dumb to get a lawyer to fight this for a $100 Lowe's gift card, but it is principle and I am frustrated. Can someone give me some advice or at least the proper question to ask to make them feel uneasy?

Any help or ideas would be a huge help!!

0 recs | Comment 15 comments

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Suicide is

your only reasonable option.

Get off my lawn.

by DJCahill on Jan 19, 2009 1:30 PM CST reply actions 5 recs

Brief but...

…cynical. I rec this.

We couldn't have known it at the time but we definitely killed the wrong Belushi brother.

by Chad Crudup on Jan 19, 2009 2:23 PM CST up reply actions 0 recs

Oh, Cahill...

The 40 Trumps All!!!

I hate Michael Young.

"There are no weak opinions with the dirkatron, it’s all scream-across-the-parking-lot echelon." -hightowersmith

by thedirkatron on Jan 19, 2009 4:14 PM CST up reply actions 0 recs

Keep calling until you get someone who will help you

by JBImaknee on Jan 19, 2009 1:39 PM CST reply actions 0 recs

+1

its like best buy – if you cant get a price match at one store just keep calling other stores

Scout: He was a first-round pick right? Got a huge bonus?
KG: Oh yeah.
Scout: Well, he spent a lot of it on milkshakes.

by knockoutking on Jan 19, 2009 1:59 PM CST up reply actions 0 recs

Lowe's Blows.

It's baseball. You don't always get what you want, and you don't always want what you get. --Ed Coffin

by txranger7 on Jan 19, 2009 1:45 PM CST reply actions 0 recs

+1

That Gold Glove for Young was the worst thing that could have happened to Texas - now the guy really believes he's good at short. - Keith Law

by lonestarJon on Jan 19, 2009 8:41 PM CST up reply actions 0 recs

close your account....

and take your business to someone else. That’s pretty much your only recourse.

by bdavison94 on Jan 19, 2009 1:47 PM CST reply actions 0 recs

Money Magazine has..

…a “consumer assistance” column where someone assists people in things like this. You should get a copy and email the columnist.

Also, I’m not sure where you live, but I suspect that your local paper has a consumer assistance-type column like the one Money Magazine has, and could do something about it.

I would call back, ask for a supervisor, tell them what happened and that you’d like to have the situation rectified, and if they don’t cooperate, tell them that if this isn’t handled to your satisfaction, you will close your account and seek other remedies.

Don’t close your account on that call, though. Wait until you see if one of the media folks I referenced above will assist. Closing your account works better as leverage.

by Adam J. Morris on Jan 19, 2009 3:06 PM CST reply actions 0 recs

best strategy for things like this

impress upon them that you’re not really asking for the moon – just a $100 Loews gift card.

A lot of people don’t want to stick their neck out but they can for small things like this – especially any sort of supervisor. Just keep saying it’s minor but it’s upsetting that you did earn it and never got the credits for it…

"To be ignorant of one’s ignorance is the malady of the ignorant."

by ab03 on Jan 19, 2009 3:49 PM CST reply actions 0 recs

Do a search on consumerist.com

and see if they have any information about doing an EECB (Executive Email Carpet Bomb) on your credit card company. Basically, send an email to all of the upper executives until one of them responds or finds someone internally to fix the issue for you. At the very least they are a good resource for what to do when you feel a company has wronged you and it’s a good place to publicize a company in the wrong to hopefully shame them into doing right.

by macromorgan on Jan 19, 2009 5:01 PM CST reply actions 0 recs

The Consumerist is great.

Link to information about launching an EECB,

by drizzle on Jan 19, 2009 9:20 PM CST up reply actions 0 recs

I say we impose a LSB boycott of the company...

by rangerjake on Jan 19, 2009 5:24 PM CST reply actions 0 recs

Just tell them

that NONE of HH’s usernames will support them.

G G G E-flat_______ F F F D__________....

by t ball on Jan 19, 2009 8:28 PM CST up reply actions 0 recs

Keep calling and complaining about it

Eventually you will get someone to help you. If not, simply file a BBB complaint and someone from the CC company will call you back and they will have much more power than anyone you have talked to before. I have discovered that BBB complaints are the way to go when all other options have been exhausted.

by rothe on Jan 19, 2009 10:46 PM CST reply actions 0 recs