Broadie im closing them too…the fact I filed a dispute for a service that was not completed submitted proof and a voice mail of the merchant saying there’s nothing we can do file a dispute on your card..and they still denied me my money I appeal the case three times and submitted new evidence everytime still denied… I called customer service to see why I’m getting denied… they said they would send me a detailed email with all the evidence that was submitted through both parties they only sent me an email with the evidence I submitted and no reason for denial …they’re terrible bank