Membership rewards fee on closed account | Australian Frequent Flyer
Australian Frequent Flyer

Welcome to Australia's leading independent Frequent Flyer and Travel Resource since 1998!
Our site contains tons of information that will improve your travel experience.

Joining AFF is fast, simple & absolutely free - register now and take immediate advantage of these great BENEFITS.

Once registered, this box will disappear. And you will see fewer advertisements :)

Membership rewards fee on closed account

Status
Not open for further replies.

aschmid

Member
Joined
May 13, 2005
Messages
113
I had the strangest thing happen to me today. I closed an account on a AMEX Credit Card a year ago and today they send me an account statement with a $80 charge on it for Ascent membership rewards. I have a letter from them a year ago confirming the account was closed!

I called them and was told the we are very sorry story, this should not have happened, your account is closed, we will reverse the charge and send you a new statement. This all was just a SYSTEM ERROR ...

I am wondering if anybody out there knows what "closing an account" really means and how long they will leave the account and my personal data hanging around in their systems?

Is it legal for them to keep my personal data, which they obviously did as they had my address etc. once I close my account for 1 year plus? How long can they keep or when are they required to delete it?

Does anybody know what needs to be done to really CLOSE an account - with that I mean the account is closed, does not anymore exist and they can't add any chargest to it. What do i need to do to get myself of their systems?

Thanks for any advise.
 

Cyberdog100

Intern
Joined
Dec 29, 2006
Messages
70
Don't quote me on this, but from what i've heard accounts don't get deleted, they are simply "disabled" as such, or to users they are "closed". Therefore they may keep sending you marketing material or special offers to entice you back unless you've specifically opted out of marketing.
 

serfty

Moderator
Joined
Nov 16, 2004
Messages
40,454
Flights
My Map
Cyberdog100 said:
Don't quote me on this, but from what i've heard accounts don't get deleted, they are simply "disabled" as such, or to users they are "closed". ...
This is also in case a transaction with your card number comes through. This can be for reasons as simple as a retailer submitting a voucher for payment some months after the event or as bad as fraud.

In either of these cases the account will be reactivated and you will be sent a statement.
 

dajop

AFF Supporter
Joined
Jul 1, 2002
Messages
9,157
Flights
My Map
serfty said:
This is also in case a transaction with your card number comes through. This can be for reasons as simple as a retailer submitting a voucher for payment some months after the event or as bad as fraud.
Taxis are a classic example - those that have processed a payment manually can take months to submit their voucher for payment.
 

oz_mark

AFF Supporter
Joined
Jun 30, 2002
Messages
17,693
Flights
My Map
aschmid said:
Is it legal for them to keep my personal data, which they obviously did as they had my address etc. once I close my account for 1 year plus? How long can they keep or when are they required to delete it?

Does anybody know what needs to be done to really CLOSE an account - with that I mean the account is closed, does not anymore exist and they can't add any chargest to it. What do i need to do to get myself of their systems?
Not only are they permitted to keep the information, they are legally obliged to keep account information for at least seven years.
 

Cyberdog100

Intern
Joined
Dec 29, 2006
Messages
70
7 years! By then i'll have probably had an account with every bank and financial institution in the country, what a trail or information that'll be :mad:
 
Status
Not open for further replies.

AFF on Air Podcast

  • jb747’s Stellar Career with Qantas – AIR013
    Sat, 15 Jun 2019 03:00:41 AEST
      In this special edition of the podcast, Matt chats to John Bartels (a.k.a. jb747) about his flying career with Qantas, the A380, the QF30 incident, flight training, retirem ...
  • Cheap Virgin Australia Business Class – AIR012
    Sat, 01 Jun 2019 03:05:28 AEST
      Find out how to get cut-price Virgin Australia Business Class tickets by buying and redeeming Etihad Guest miles! This episode also includes some listener Q&A and an interv ...
  • Star Alliance Status – AIR011
    Sat, 18 May 2019 09:39:41 AEST
      Find out how to easily earn Star Alliance Gold status with several different frequent flyer programs! This episode also includes an interview with John Blom, Australia’s ...
  • Premium Economy – AIR010
    Sat, 04 May 2019 00:21:32 AEST
      Premium Economy is a great compromise if you want a more comfortable experience than Economy, without paying for Business or First class airfares! In this episode, AFF’s ...
  • Hyperinflation of Points – AIR009
    Sat, 20 Apr 2019 04:49:59 AEST
      Frequent flyer points are a valuable currency, but they aren’t immune from hyperinflation! In this episode, Matt discusses why frequent flyer points are a terrible long-t ...

Community Statistics

Threads
81,671
Messages
1,887,350
Members
49,568
Latest member
glazeaguirre
Top