actually - i had a friend who used it as a customer. someone broke into her account due to issues with her social security number which were not at all under her control. frankly, their system left a bit to be desired (they have email notification of changes but allow one of the changes to be email address, or did), but largely, the offense was not the issue. they handled it horribly, treated her badly, and she just lost the money even after patiently explaining the problem to various people over an extended period of time. so they're not just bad to merchants. i haven't personally had a problem with them either. but i haven't personally ever been bitten by a pitbull. that doesn't mean they don't bite. rest assured, that if you do have a problem with them, it won't go well. or at least, the odds are very much against it.