I encourage you to watch or re-watch the stoning scene in Life of Brian. (
https://www.youtube.com/watch?v=bDe9msExUK8 @ 2:50).
"You're just making it worse for yourself!"
"Worse? How could it be worse?"
Terms of service are an interesting thing:
1. They have no force of law behind them.
2. They aren't written by congress and should not be treated as such.
3. A corporation writes them for their own benefit.
4. A corporation changes them for their own benefit.
5. A corporation follows them, or doesn't, for their own benefit.
Any violation of corporate terms of service is, at best, a civil tort, not a criminal offense against these United States. Unless you're me, I suppose.
Further, these aren't terms of service I clicked "Agree" to, and in fact they evolved several times without my having read them, nor needed to have read them.
In retrospect, a steady series of frog boiling changes turned my conduct from allowed to questionable. I say questionable instead of illegal, or even forbidden, because I also had, upon every adjustment, explicit written permission from the company to adjust transactions I had not made. Maybe they didn't intend that with their word choices (they reworded it once without changing the meaning), but that just makes it sharp dealing, not fraud. That was absolutely sharp dealing (not a single other customer lost out on rewards, because of how their system was set up). Sharp dealing also happens to take place when an average consumer signs up for a rewards program, or a protection plan, or this week's sale when the actual price on a sale item is actually higher than last week's. I sharp dealt a sharp dealer. That much is true.
The accounts were actual accounts, predicated on fake information (this is not a minor distinction). The fake information was never read by any human, and fake not as a vehicle to defraud (since no human read them), but to avoid getting confused with other customers (it had been a problem), and to avoid getting junk mail. Is the person in line ahead of you at Kroger or Albertson's a fraudster for doing the same? Even if they have 5,000 rewards accounts? Assuming the worst motives in people might be the most comforting way to be, but it's not always the correct way to be.
Appreciate the legal advice (though I don't advise giving people legal advice), but I'd appreciate your considering how many people advise me to do what is easy (they think) instead of what is right. Ever considered signing something you knew wasn't true? That's what the plea offers were, not true. I had 20+ years staring at me on the other side of this false paper I was asked to sign and I don't think I could've signed it if my life depended on it. There's something deeper and more visceral to a signature than an idle scrawl. It's a door to your soul. Does that make me a more moral person than average? Perhaps not, but better than the treatment I've been getting.