> It seems like this behavior should also be reported to the credit card companies
Hit them where it hurts: state regulators. If you're in New York, for example, complain to the Department of Financial Services (DFS) [1]. They're hard hitting and know what they're doing. (I think California's analog is the California Department of Business Oversight (DBO), though it isn't, to my recollection, as intimidating as DFS.)