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Comenity responds to my CFPB complaint…

September 15, 2016September 14, 2016 Vinh  Credit Cards  cfpb, comenity  29 Comments

Introduction I had written about how Comenity shut me down back in April after they did a hard pull without my consent.  I was more angry about the hard pull than the actual shutdown.  I then filed a CFPB against them in early August and wrote: Comenity Bank let me open a credit card account […]

How I got my money back from a stolen gift card that was past the 120 day dispute window

March 4, 2016March 2, 2016 Vinh  Manuf Spend  cfpb, gift cards, USBank  4 Comments

Introduction I bought a $500 US Bank Mastercard gift card back in February of 2015.  About a week after I bought it, when I went to go use it, the card got declined.  I then went online to www.mygiftcardsite.com and saw that the card had been drained at a Walmart in California (not where I live.)  I […]

What to do when a bank closes your credit card and you have a points balance

February 10, 2016February 9, 2016 Vinh  Credit Cards  Barclays, cfpb, credit card shutdown, shutdowns  19 Comments

Introduction A couple of weeks ago, I wrote about how Barclays shut down both my wife’s and my account.  I had about $400 worth of Arrival+ points left in both of our accounts.  Usually, you’ll want to contact the bank directly and ask to get a credit on those points, but I had read calling […]

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