u/diceman4221

Back in late 2025 I applied for and got the Aven HELOC card, almost entirely because of the 1% mortgage payment cashback program they were advertising/offering. The details on how this worked was never really made clear, but eventually they linked me to this document, and let me know that after 4K in spend in the first 3 months, I'd be eligible. https://www.aven.com/public/docs/MortgagePaymentCashback10Terms?ref=cardsftw.com

However, three months later, the story suddenly changed. The program was discontinued in 2024. The proof? Well, that same document. I let them know that's ridiculous on a lot of levels, and not just because that isn't what the document actually states. They tell me they need to do some investigating and they'll get back to me. A month later, they say they "escalated" my concerns, but that the program doesn't exist anymore. I asked to chat with whomever made this decision/investigation, and a week later, I got an email STILL claiming that the program was discontinued in 2024, but that they would give me 1% cashback for a single month of mortgage payments! Below is my email I sent back. I'm pretty shocked by how dumb they must expect me to be.

Hello redacted,

You and others have linked me to that document a good 5 times, and the story around it has changed every time.  At first, it was to explain how the program worked, both in December of 2025, and afterwards in early 2026.  Frankly, it's insulting that I should take it as evidence that the program was discontinued in Dec 2024, and not only because of support telling me that the program still existed in 2026.  It's because that isn't what the document says.  It says that after that date, the program CAN be discontinued.  Now, that's fine, but I don't see what that has to do with my situation.  I watched a youtube video, paid for by Aven, promoting the 1% cashback from April 2025, and I started this whole process by clicking a link attached to it.  https://www.youtube.com/watch?v=fUujZ7KCnVM

Now, even if support hadn't explicitly told me the program still existed and instructed me on how much spend was required to make me eligible, this claim that the program ended in 2024 is preposterous.  I don't feel like you're being honest with me.  In that same document, what it DOES say is the following:

We may suspend or terminate the Program, or your participation in the Program, at any time (including but not limited to at the time of the annual renewal of your account as described in your account agreement), and subject to Aven’s sole discretion. We will give you prior notice to the extent required by law.

There wasn't any notice given, apart from explaining what I needed to spend to be eligible.  Every clarification that has been given to me about this program has either been outrageous or nonsensical, and I'd like to talk to someone that can honestly tell me what is going on.

-Me

Back in late 2025 I applied for and got the Aven HELOC card, almost entirely because of the 1% mortgage payment cashback program they were advertising/offering. The details on how this worked was never really made clear, but eventually they linked me to this document, and let me know that after 4K in spend in the first 3 months, I'd be eligible. https://www.aven.com/public/docs/MortgagePaymentCashback10Terms?ref=cardsftw.com

However, three months later, the story suddenly changed. The program was discontinued in 2024. The proof? Well, that same document. I let them know that's ridiculous on a lot of levels, and not just because that isn't what the document actually states. They tell me they need to do some investigating and they'll get back to me. A month later, they say they "escalated" my concerns, but that the program doesn't exist anymore. I asked to chat with whomever made this decision/investigation, and a week later, I got an email STILL claiming that the program was discontinued in 2024, but that they would give me 1% cashback for a single month of mortgage payments! Below is my email I sent back. I'm pretty shocked by how dumb they must expect me to be.

Hello redacted,

You and others have linked me to that document a good 5 times, and the story around it has changed every time.  At first, it was to explain how the program worked, both in December of 2025, and afterwards in early 2026.  Frankly, it's insulting that I should take it as evidence that the program was discontinued in Dec 2024, and not only because of support telling me that the program still existed in 2026.  It's because that isn't what the document says.  It says that after that date, the program CAN be discontinued.  Now, that's fine, but I don't see what that has to do with my situation.  I watched a youtube video, paid for by Aven, promoting the 1% cashback from April 2025, and I started this whole process by clicking a link attached to it.  https://www.youtube.com/watch?v=fUujZ7KCnVM

Now, even if support hadn't explicitly told me the program still existed and instructed me on how much spend was required to make me eligible, this claim that the program ended in 2024 is preposterous.  I don't feel like you're being honest with me.  In that same document, what it DOES say is the following:

We may suspend or terminate the Program, or your participation in the Program, at any time (including but not limited to at the time of the annual renewal of your account as described in your account agreement), and subject to Aven’s sole discretion. We will give you prior notice to the extent required by law.

There wasn't any notice given, apart from explaining what I needed to spend to be eligible.  Every clarification that has been given to me about this program has either been outrageous or nonsensical, and I'd like to talk to someone that can honestly tell me what is going on.

-Me