Frank Zhang thought he was winning at the PC Optimum game — stacking up points on groceries, gas and gift cards by chasing bonus offers and swiping his PC Mastercard for extra rewards.

But his seven years of smart shopping didn’t pay off. Instead of cashing in on his hard-earned 43 million points — worth about $43,000 — Zhang found himself locked out of his account with no warning, no clear explanation and no way to access his points.

“That’s unfair,” Zhang told Go Public. “They can control my money. They can control my points, but I can’t do anything.”