1- If the points weren’t spent then they are just going to remove them from the accounts that got them.
2- If the points were spent leaving a zero or negative balance of points and there is a credit card on file, then they are going to bill for the points used.
3- If there is no credit card on file, they plan on sending out an E-mail “demanding” payment.
4- If there is no credit card on file and the “demand” for payment goes unanswered then they “may” subtract months of gold membership that equal the amount of points used.
5- If there is still a negative balance then they plan on banning the console and the account until it is no longer negative. This one she said at least three times."