We are a small business that provides a service. In business more than 30 years. We never win our disputes dispite providing mountains of evidence. At this point we dont even respond to them we simply file a lawsuit and add all our court fees on top. We have won 100% of our cases. 100% while presenting literally the same evidence we would in the dispute process. Banks and the credit card processors are accesories to fraud plain and simple. Either a class action lawsuit needs to happen or legistation does.