I don't approve of there policy. How can you issue a refund for WORK that's done before time without contacting me! AGENT assured me itwouldn't happen but did. 2wks later, I haven't received repayment & my dispute is PENDING! Two earlier disputes I filled in Feb against a merchant were denied, I stated this merchant was a scam! Since then that same merchant has been calling me long distance from different numbers harassing me & saying he's a rep for Comcast, etc. and sending fake eBills!!!