Originally Posted by
brettskyg
They will not return my annual fees even though I only have 4-6 months of use of the cards. They said they are entitled to keep them. They are not returning my points.
That sounds like it's blatantly illegal. I mean, if I sold you a prepaid subscription to Time magazine for 1 year and then I canceled it because I no longer happen to like you as a customer, and then refused to refund any part of what you paid, that would be called fraud with a capital F.
Now, if you did something that violates your agreement with Chase, it's a different story. From what you've said so far, Chase hasn't accused you of anything like that, so I am baffled as to why they would refuse to refund your annual fees.
There are reports on this forum of people who successfully sued Chase to get their points back (or the cash value of those points) when Chase unilaterally closed their accounts.