These thieves and idiots administer financial services and credit card services for retailers and consumers; they do not bear the direct blame and responsibility for putting into practice policies and procedures for which they have been directed by their clients, the businesses themselves. The DO, however, have the responsibility to rectify wrongs in billing and collection policies, and in perhaps unethically changing terms of service and practices with their customers, the businesses for whom they are clients, and the consumers and client... read full review »