My XXXX XXXX XXXX XXXX XXXX XXXX credit card recently had a large change in terms after having paid the annual fee. After I found out about it, I called in to complain and was told that the card could be closed, but no annual fee would be refunded since it had been more than XXXX days since it was charged, but that as an apology, they would give me XXXX points, which is not even close to the value of the fee. I recently found out that the representative who spoke to me was either misinformed or lying, and that due to the drastic change in benefits, XXXX was indeed issuing refunds of the annual fee. When I called back, I was able to speak to a supervisor, XXXX, who said while he empathized with my situation, he could not do anything more. I summarized the situation for him that now I had to suffer the consequences for a XXXX error ( or a blatant lie ), and he agreed that that was the case and even said a complaint to the CFPB may be necessary as there was truly nothing he could do to close the account and refund the annual fee. 
