ddivaqt, unfortunately you really need to compare your credit reports. It's entirely possible you lost the points for other reasons. For example, did you open a new credit account in the midst of this, or something?
As for class action, I'm waiting excitedly to get my $20 from the credit card international transaction class action lawsuit sometime in the next 5 years. That's assuming that the pool of funds isn't exhausted and they end up distributing less, or nothing. Keep in mind the attorneys are requesting 33% or something of the settlement, plus a few million in expenses. Point being, class action is worthless if you want something as a consumer. It's only effective to penalize a corporation.
