The Fine Print: The Results Are In!


The following is not legal advice. Please contact the author ( or your own attorney should you have questions.


Call the company. Get put on hold. Email the company. Receive an automated response. Repeat, repeat, repeat. When it is all said and done, time is wasted and nothing is accomplished. That was the experience with eBay and British, two cases presented in the Fine Print Series. (see Should You Record Your Calls for Quality Assurance? and Who’s To Blame: eBay, PayPal or Hyatt?)

In both situations, the parties involved were not looking for a payday and were not money hungry. Instead, they just wanted to be made whole again. Unfortunately, pleading with customer service was not an effective strategy in either case. Against British, I filed a complaint in small claims court for the value of the lost business class tickets. Against eBay, I, on behalf of my client, sent a letter stating my intent to seek arbitration.

Unlike TV court room dramas, the response from both companies was prompt and professional. Each launched an investigation and both, without admitting liability or wrongdoing, settled the cases for a fair amount. British refunded the cash and points and gave me 20,000 Avios points for the inconvenience. eBay compensated my client the amount of the failed transaction.

Why do claims have to be escalated to this level before they are handled by a sympathetic human? The optimist will answer that companies are massive and imperfect. As such, mistakes happen but they are corrected when they receive the proper attention. The pessimist will argue that companies stand to make millions if not billions of dollars by short-changing consumers on nominal sums of money, knowing that consumers are unaware or overwhelmed by dispute resolution processes.

Whatever the reason, companies should be held accountable whether the claim is for cash, points, or a combination of the two.

If you have questions about consumer arbitration or are looking to file a claim, contact Alexander at

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[…] initiated dozens of claims which have produced encouraging results for aggrieved claimants. (see The Results Are In! and The Successful Fight Against A Citi […]

[…] client to sign a confidentiality agreement. The companies request that the attorney do so as well. As a matter of principle, I refuse to sign these agreements. Had I done so, the general public would remain in the dark. Claimants would not know that it is […]

[…] The Fine Print: The Results Are In! by Frequent Miler. If you’re having issues, it might be worth getting in touch with Alex. If anybody does, please share your results with me! […]


Sort of hard to extrapolate how customer greed led to my six phone calls in 24 hours trying to reserve a United awards trip with miles they say I earned. I still don’t have the ticket. Fact is the airlines generally offer pretty bad customer service. If they were selling televisions, I could just buy somewhere else, and I would. But airlines are semi-monopolies operating under license as federally regulated service providers; and when their service is so bad it violates those regulations, I will get their ass every time I can. Nothing personal. Just business. We’ve had ample lessons that service improvements will come only when lousy service costs money. Make them pay.


Another good post, and it’s nice to know how things have progressed. I’ve thought about going after Amex when I recently signed up for a 100k business platinum card, then got another higher offer which they agreed to honor for 150k, but then didn’t actually do so. Every time I ask about the higher offer, I’m promised a call back (which they don’t do) while they play stupid. It’s annoying as hell, but I also have to figure whether it’s worth it to risk poisoning my relationship with the company over their show of bad faith.



So PointsOfLife is a lawyer in real life?

The same guy that repeatedly calls people a “dick” in his blog?

Darth Chocolate

You ask “Why do claims have to be escalated to this level before they are handled by a sympathetic human?”

Simple. Too many times the company has been ripped off by people looking for a payday. When it is easier to scam a big, faceless company than getting a job, people will always find the path of lease resistance.

Why do you think many companies are restricting sign-up bonuses? Because people have taken advantage of them by churning, and the companies are just saying “STOP!”.

Darth Chocolate

It does not have to be a “general” ahead. Just a few rotten apples spoil the whole bunch.

A few people who churn sign-up bonuses and the next thing you know, AMEX is limiting the sign up bonus to once per card per lifetime.

A few people who MS their way to get rewards and then the sources for MS simply dry up. Oh yeah, and companies claw-back bonuses earned under somewhat questionable circumstances.

And then there’s the 5/24 rule. Does not matter to me, but it sure has some folks torqued.

Why does this happen? Because companies see these as taking advantage. And no one likes being taken advantage of.


I don’t think he means ahead, but that a small population of “consumers” have undercut the corporations’ profits by just enough of a margin for the corporations to take notice and take actions in order to curb those dips in profits.

Think of churners as polluters and American Express as mother earth. If the churners/polluters all cut back a little, they won’t get American Express/mother earth to turn around and whoop their asses back in line. However, there are always people driven by greed (such as BP, lol) that don’t care about the consequences and will eventually lead to account shutdown/end of humanity for everyone.


Please never compare AMEX to Mother Earth. One sucks and has shitty customer service and one gives us life.

Ken Blakely

For all this to make sense, you have to believe that these corporations are somehow benevolent, and that they are forced to take unpopular actions to protect their razor-thin profit margins against rapacious consumers; otherwise they won’t be able to feed their families!. The data, unfortunately, shows precisely the opposite. These corporations are literally money engines, churning out wealth far faster than any reasonable person can understand. The idea that they have to protect their tiny margins against us mean old consumers is simply silly.


Alex – I have all but given up on dealing with front line customer service. After disasters with both IHG and Budget recently I took a similar route threatening to initiate litigation in both instances. I sent the demand letters to their in house counsel and both issues were resolved in less than 24 hours with apologies.

It’s a sad world that you have to threaten litigation to get a company to remedy a situation especially when their is no reasonable basis for their position.


Did you need a lawyer or letterhead to finally get a favorable response?