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OK, so I may had done this to myself. mLife Gift card expiring

Discussion in 'Misc. Vegas Chat' started by DaiLun, Apr 20, 2017.

  1. DaiLun

    DaiLun R.C., L.C., and A.A.N.G., but N.A.H.

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    So, I had two $100 mLife gift cards that I had gotten from the 2015 mLife HGS.

    To make a long story short, mLife disabled them.

    upload_2017-4-20_10-4-15.png

    I went to the Gift card website to find:

    Outlets listed with each MGM Resorts International destination are locations where the Gift Card is currently accepted. Gift Cards purchased at Costco are not accepted at any retail outlets. Effective May 2016, Gift Cards can no longer be used at The Shops at Crystals. The MGM Resorts International Gift Cards are subject to terms and conditions set forth on the MGM Resorts International Gift Card and in an accompanying Card Agreement. Unless prohibited by law, a monthly inactivity fee of $2.50 will be deducted from your Card balance after thirteen months of inactivity. Activity means any action resulting in a charge in Card balance, other than fee imposition, or adjustment due to error or prior transaction reversal. $10 fee to replace lost, stolen or damaged Card, except as prohibited by law. Additional terms are stated in Card Agreement. Purchase, acceptance or use of Card constitutes acceptance of Card Agreement. For Card Agreement, inquiries or information, call 800.554.2707. MGM Resorts International Gift Cards are redeemable only at participating merchants at participating MGM Resorts International Destinations. MGM Resorts International Gift Cards are not refundable or redeemable for cash, credit or gaming activity. MGM Resorts International Gift Cards may not be used for advance hotel reservations, advance ticket sales or running open bar tabs. The maximum amount that can be loaded onto an MGM Resorts International Gift Card is $2,000. Customers will not be allowed to purchase more than $10,000 in one day. MGM Resorts International endorses responsible gaming. If you or someone you know has a problem gaming responsibly, please call the 24-hour Problem Gamblers HelpLine at 800.522.4700.

    $100 deducted still doesn't equal 12 x $2.50.

    Does anyone know what Nevada gift card law is with regard to this? Or, if I am a California resident, am I covered under Calfironia law?

    Of course, It's my fault for holding on to then for that long, but I was "hoping" to have a large group meal so I was "saving them up".
     
    Harrahs Lake Tahoe - Seven Star renewal event
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  2. lsiunsuex

    lsiunsuex Low-Roller

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    Top hit on google

    https://www.creditloan.com/gift-card-laws/nevada.html

    "Nevada has some laws dealing with gift cards, but they are minimal and made superfluous by the Federal CARD law, which provides much better consumer protection. The CARD law puts a minimum of five years on expiration dates and no extra fees can be charged until after a minimum of one year of card inactivity. Nevada law indicates that inactive cards will escheat to the state upon expiration.

    Nevada has fewer consumer protection laws related to gift cards than most states. The lack of protection provided is disappointing, but we are encouraged by the Federal CARD law and hope that Nevada will move forward with better consumer protection efforts."

    I would think in this case, as the gift card can only really be used in Nevada and at MGM, California law won't protect you - not like it's an Apple Bees gift card or something with national locations.

    I'd call or try to contact them - Most companies are decent when accepting expired gift cards, especially with anything of significant value.
     
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  3. letsgotovegas

    letsgotovegas Low-Roller

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    No advice to add, sorry, but this really sucks and I hope they do the decent thing and at least give you the balance you should have had after their stupid $2.50 per month service charge.

    Fingers crossed for you!
     
  4. Kobra2848

    Kobra2848 Low-Roller

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    I would call and complain. From your snapshot it looks like at the most you should be hit with 3 months of inactivity fees.

    Mark
     
  5. Chuck2009x

    Chuck2009x VIP Whale

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    Yeah, I would just call. Unless the terms were different when you got the card and allowed them to completely deactivate it after 13 months, which I doubt, I would guess they'll just reload the whole amount or send you new ones.

    I think I would try to get new ones, then you shouldn't have to worry about getting hit with an inactivity fee for another 13 months (note the bit about reversing transactions not counting as activity).
     
  6. nostresshere

    nostresshere Mr. Anti Debit Card

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    I am with the call part.

    Actually, I would have stepped aside when it "appears" you tried to use it at the front desk the other day and called somebody to reinstate the money they seemed to have "misplaced".

    Unless of course there was time limit on the card.
     
  7. DaiLun

    DaiLun R.C., L.C., and A.A.N.G., but N.A.H.

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    Well, here's the problem . . . I did call, but the number that they give is to the card processor, not mLife directly. The card processor told me that "mLife reversed the charges, I don't have any control over that."

    So, I sent an email to mLife, and if I don;t get a reply by Monday, I will call another contact number.

    Thank you all for your advice.
     
    Harrahs Lake Tahoe - Seven Star renewal event
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  8. nostresshere

    nostresshere Mr. Anti Debit Card

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    Interesting. Maybe Mlife is having a communication problem? Let us know what you find out.
     
  9. Chuck2009x

    Chuck2009x VIP Whale

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    Hopefully you'll get an answer from MLife. Clearly the "unload" transaction was automated, and it should have been a monthly fee transaction, not a complete unload of everything. Sure seems like something's misprogrammed.

    Feels like the card processor probably should have had more info for you, like some possible scenarios where that could happen without being an error.