Actually anyone can make a complaint to the card scheme about an licensee. In this case we would be able to lodge a formal complaint with MasterCard about creation.
The cost to creation by way of a fee is £250 for complaint, this is charged by way of encouraging the credit company (creation) to resolve the complaint so it’s not escalated.
The complaint could be on the basis that they refused the chargeback in the annual fee and you feel they should not.
Most people here recharge to creation, 100% of my transactions in the last 2 years have been on Curve to Creation and so by removing this option for all transactions means you are removing a service that I have paid for.
Stopping all curve transactions regardless of weather it’s to pay an Amex bill or a local Aldi bill is to remove service.
It would be interesting to see how MasterCard would judge the complaint given both cards are MasterCard.