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I had debit card with value around $100 expired last month. Limit was one year. Debit card was issued by Citi Bank.
As per consumer financial protection bureau, http://www.consumerfinance.gov/askcfpb/423/if-my-prepaid-card-ex... money never disappear till 5 years. 
Do I have any recourse? I tried to talk to Citi but they seemed to be firm on not giving any money. 
Thanks
 

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Ask for a replacement card for the one that expired.

Then spend it promptly, like you should have done in the first place.

OP: is your card an actual debit card or was it a rebate card? Big difference...

rsuaver said:   OP: is your card an actual debit card or was it a rebate card? Big difference...
  It is rebate card (Frankly, I don't even remember what was it for). 

I had an interesting prepaid card once. I called Nissan USA to complain about a dealer that performed unauthorized work and then lied through their teeth about it. To apologize, they sent me a $200 prepaid Visa card with the Nissan logo plastered all over it, but it was only valid at authorized Nissan dealers throughout the entire U.S. It was issued by Citibank.

I tried using it elsewhere, but it didn't work. Finally, about a week before it was due to expire, I ordered a bunch of stuff from a Nissan dealer in Texas whose parts department had a prominent online presence. They were friendly too. After I placed the order online, I had to call with a follow-up question, and the guy helped me add a few items to maximize my value. Instead of only using $197.XX, he managed to get my total amount up to $199.93, leaving behind only $0.07 unused and lost.

Thanks for bringing up the subject. I've had rebate cards expire before using them and just disposed of them. According to the link above, there could be a way to recoup the funds.

I had the same experience with Kohls cash VISA rebate card expired in 6 months, lost $40.00. After that I always use the rebate cards 1st as soon as they arrived or otherwise just buy the gift card for grocery stores from that prepaid cards.

CollegeSavings said:   
rsuaver said:   OP: is your card an actual debit card or was it a rebate card? Big difference...
  It is rebate card (Frankly, I don't even remember what was it for). 

  If it's a rebate card (i.e. sign up with Verizon, get a $200 Visa gift card in the mail), then the expiration rules CFPB refers to don't apply.

http://consumersunion.org/news/rebate-cards-come-with-fees-other...

Treffen said:   Ask for a replacement card for the one that expired.

Then spend it promptly, like you should have done in the first place.

  I don't spend them promptly because I always intend to use them online at places where I prefer to not enter my credit card information.  If the opportunity comes up quickly - good.  However, that's not always the case and time runs out.

cestmoi123 said:   
CollegeSavings said:   
rsuaver said:   OP: is your card an actual debit card or was it a rebate card? Big difference...
  It is rebate card (Frankly, I don't even remember what was it for). 

  If it's a rebate card (i.e. sign up with Verizon, get a $200 Visa gift card in the mail), then the expiration rules CFPB refers to don't apply.

http://consumersunion.org/news/rebate-cards-come-with-fees-other...

  
The article you're citing there is from 2010 before the CFPB.

But the CFPB now says: 

http://www.consumerfinance.gov/askcfpb/399/rebate-card-prepaid-c... 

Is a rebate card a prepaid card?
Yes. These cards might have a network logo (Visa, MasterCard, American Express, or Discover) on them, which usually means you can use them anywhere the brand is accepted, or they might be good only at a particular store or group of stores. Generally, rebate cards are not reloadable.

jerosen said:   
cestmoi123 said:   
CollegeSavings said:   
rsuaver said:   OP: is your card an actual debit card or was it a rebate card? Big difference...
  It is rebate card (Frankly, I don't even remember what was it for). 

  If it's a rebate card (i.e. sign up with Verizon, get a $200 Visa gift card in the mail), then the expiration rules CFPB refers to don't apply.

http://consumersunion.org/news/rebate-cards-come-with-fees-other...

  
The article you're citing there is from 2010 before the CFPB.

But the CFPB now says: 

http://www.consumerfinance.gov/askcfpb/399/rebate-card-prepaid-c... 

Is a rebate card a prepaid card?
Yes. These cards might have a network logo (Visa, MasterCard, American Express, or Discover) on them, which usually means you can use them anywhere the brand is accepted, or they might be good only at a particular store or group of stores. Generally, rebate cards are not reloadable.
 

  
I had thought that the CARD Act of 09 provision regarding card expiration didn't apply to cards issued as a rebate (since those aren't actually being purchased by the consumer), but I could be wrong. 

OP, can't hurt to file a CPFB complaint, worst they can say is no. 



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