Ugh! Not 100% certain, but I think since you didn't buy a preference point, even though you had 3 in the bank, you will lose those points. Maybe someone has better insight? That's the way it was explained to me. I had everyone that was accumulating points put in and buy their points, just so they wouldn't be lost. Cost some $$, but it is what it is.
I hope that I'm wrong and that you didn't lose the points.