I had unknowingly bought a card from Raise that turned out to be fraudulently sold to them. I was refunded my purchase price and sent an email to get my points (264) back from Subway that they took totally away because of the card. It was a $50 card and still had a $46.42 balance when they closed it in Dec 2016. Subway also never notified me of the problem with the card. I found out the hard way when I went to use it in Jan 2017. The first rep for Subway was snippy and more or less said too bad, nothing I can do, you lose it all. The second rep, Lupe was very nice and sent my request for my points to be restored. The rep from Raise was Holden and he was wonderful every step of the way. He resolved it in minutes. Thank you Holden!