This website http://www.stopconsumerchargebacks.com is 100% merchant friendly and if you are in their database you need to settle with the merchants in order to get deleted from their database.I have been told that stopconsumerchargebacks is the owner of http://www.badcustomer.com.Stopconsumerchargebacks does not charge a fee other then you will need to buy a report from them.The merchants can not pull up your charge back without the report ID number.I am angry that I had to go through all this.