In the last year I have noticed issuing banks replying with prearbitartion for cardholder “complaints” that a grade school kid can see is a case of the cardholder reneging on a legitimate purchase. Maybe if the complaints start going into the Fed with a cc to the issuing bank this trend can be reversed.

Report banks for frivolous chargebacks which is a violation of Federal Regulation E and Z

http://www.federalreserveconsumerhelp.gov/

http://www.federalreserveconsumerhelp.gov/about/contact.cfm

More complaint info at

http://www.federalreserveconsumerhelp.gov/about/ConsumerHelponline.pdf

TSYS chargeback guidelines

http://www.tsys.com/Downloads/upload/TSYS-WP-DisputeChargeback.pdf