Over here, it's common that consumers don't have a direct relationship with the card company. I'm not sure if they would even be able to identify me.
The cardholder’s contractual relationship is always with the card issuer, which is usually a bank or some other financial institution. This is no different in the US. If something on your bill seems off, you contact the one that issued it, i.e. your bank.
Viseca seems like it might actually be an issuer directly (it’s also a common model that banks only act as program managers, delegating actual issuance to a different entity) but I’m not familiar with them.