My bank just sent an email "A surprise for you!!".
Open it up ..it's a link to my app to login to see a useless budgeting report I've been suffering with for over a year.
That should cost them.
Like I said, they can just charge it back to you, and no law is going to completely prevent them from doing that one way or another. So I think it's a waste of time with a party you already have a paid service agreement with.