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Can a Bank Confiscate Your Credit Card Rewards?

BofA rewards cardA lawsuit was recently filed against Bank of America by a California consumer who claims the bank confiscated the cash rewards earned by her with her BofA credit card when the bank chose to close her account.

The consumer, Christy Ngo, says in the lawsuit that last September her debit card stopped working because the bank told her they had frozen her account and would close her checking and savings account by the end of the month. Preemptively, she withdrew all the money. How these account closings are related to her losing her accumulated credit card rewards is not explained in the lawsuit. We questioned her lawyers directly about that too, but they did not respond. And BofA declined to comment about the case to another media outlet.

For simplicity sake, let’s assume that the bank closed her credit card as well. Certainly the bank has a right to do that. But why didn’t they give her whatever amount of cash back she had already earned on her cards (assuming she had paid off her balance)?

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Bank of America terms

The terms and conditions statement of BofA’s current “cash rewards” credit cards says that any unredeemed cash rewards at the time of closure, whether the closing was voluntary or not, would be forfeited.

Bank of America is not alone including fine print in their credit card agreements like this. Recently, after a TV reporter’s 98-year-old mother passed away, a California bank did the same thing. See story.

Most people don’t read the fine print of credit card agreements, and if they did, would any accountholder even remember this restriction perhaps years later? And is it fair for banks, even with proper disclosure, to confiscate already earned cash back that had not been redeemed rather than to automatically refund it?

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Don’t Assume Similar Products Have the Same Ingredients

Our friend, Dana McCorvie, the Ingredient Inspector, scrutinizes product labels for changes and surprises in ingredients listings. This time, she looks at product line extensions where a manufacturer comes out with a similar product that plays on the popularity of the original one. But, when you check the ingredients of the fraternal twin, they are not always the same.

Example 1 – Minute Maid Lemonade

*MOUSE PRINT:

Minute Maid’s lemonade in cans has added chemicals and coloring compared to the version in cartons. But worse, while there is 12-percent real fruit juice in the regular product, the version in cans only has 3-percent juice.

Minute Maid Lemonade


Example 2 – Hi-C Orange Drink

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If you buy juice boxes of Hi-C Orange Lavaburst at the supermarket, they actually contain some small amount of real juice, But if you order a glass of it at McDonald’s, that version has no real juice, almost 50-percent more sugar, and added chemicals and artificial colors!

Ingredient Inspector Hi-C

For more examples of products whose fraternal twin products are not like the original, please visit this special section for Consumer World and Mouse Print* readers at the Ingredient Inspector.

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Here We Shrink Again – Spring 2023

Some big brands are continuing to downsize their products as shrinkflation continues.

Bounty Paper Towels

In the seemingly never-ending shrinking of Bounty towels, the double rolls have just gone down from 98 select-a-size sheets to just 90. The new packages are noticeably lighter.

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Bounty 98-90

The triple rolls of Bounty were also downsized from 147 select-a-size sheets per roll to 135. Thanks to Richard G. for spotting that.


Gain Detergent

P&G continued its downsizing with Gain liquid laundry detergent. The now standard 92-ounce size just lost four ounces and is down to only 88 ounces. It is hard to tell any difference between the bottles. Could Tide be next?

*MOUSE PRINT:

Gain detergent 92-88 oz


Oreo Double Stuf Cookies

People have been complaining about the amount of filling (the “stuf”) in Oreos decreasing lately. We don’t know if it has actually changed or not. But one thing for sure is some of their packages are getting smaller. In addition to regular Oreos and some of gluten-free ones, the family size bags of Double Stuf Oreos now have four fewer cookies in each bag. Perhaps the family got smaller.

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Oreos


Dawn Dishwashing Liquid

Dawn is another one of those brands that periodically changes sizes. This time, the 19.4-ounce bottle was downsized to 18 ounces. Did you notice?

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Dawn


BD Syringes

Colleen M. reported that even medical products are getting downsized. In particular, BD brand syringes used for injecting insulin have gone from 100 in a box down 10-percent to just 90. Yet, the package erroneously still says there are 10 multi-packs inside when there are really only nine. Our consumer went on to say, “The packaging has not changed at all, the box is the same size (making people think they are getting the same amount), but we are now getting 10% less.”

BD syringes


Sara Lee Bagels

When you buy a baker’s dozen of bagels, you get one additional bagel. What do you call it when you buy a pakcage of Sara Lee bagels and get one less? Steve C. of Arizona says it is a sneaky change.

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Sara Lee bagels


Umpqua Frozen Yogurt

This brand of ice cream and frozen yogurt, primarily distributed in western states, was one of the last holdouts to reduce their 56-ounce containers to 48 ounces. Thanks to Janet W. and Michael F. for this tip.

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Umpqua


Crest Gum Detoxify

P&G continues to shrink various varieties of their toothpastes. This time it is Crest Detoxify which went from 4.1 ounces to 3.7 ounces — about a 10% reduction.

*MOUSE PRINT:

Crest Detoxify


Kettle Potato Chips

Snack foods, and in particular potato chips, are one of the categories of groceries that keep being downsized. This time, it is Kettle potato chips going from 8.5-oz. bags to 7.5-oz. bags.

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Kettle potato chips


All Free & Clear Pacs

Another category subject to periodic shrinkage is laundry detergents. This time, it is All Free & Clear’s turn, where the number of laundry pacs in one of their larger sizes had gone from 66 to down 60. So you get a half a dozen fewer loads per bag.

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All Free & Clear


Kellogg’s Corn Pops

They used to call these “Sugar Pops” years ago, but Kellogg’s found a healthier-sounding way to market them. The small 10-ounce box appears to be getting company in places like drugstores with an even smaller box being introduced –one with over 20-percent less. To see them head-on, they look identical.

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Kellogg's Corn Pops

We asked Kellogg’s if the 7.8 oz. size was replacing the 10-oz. one. Customer service responded, “Both sizes are currently in the market and it is up the retailer to decide which sizes they will carry.” Walgreens apparently carries both at the moment, and at the same price.

Corn Pops at Walgreens

The large size of Corn Pops also is being downsized from 14.3 ounces to 13.1 ounces. The new box is actually taller than the old one (but narrower), costs 20 cents more at our Stop & Shop, and provides nine servings instead of ten!

Kellogg's Corn Pops Large


Ortega Taco Shells

Nick B. told us about Ortega taco shells in “new look” packages, that almost an ounce going from 5.8 ounces to 4.9. And he said, they no longer came in a protective tray. The change took place around the fall of 2022.

*MOUSE PRINT:

Ortega tacos


Thanks to all our submitters. If you find an item that has recently gotten smaller, please send a sharp, side-by-side picture of the old and new product, showing the net weight or net count to Edgar (at symbol) ConsumerWorld.org . Thanks!

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