I have used it 3 times or so and it was effective. The thing is I am not threatening to sue personally. I am threatening to refer the issue to the government. I

I have used it 3 times or so and it was effective. The thing is I am not threatening to sue personally. I am threatening to refer the issue to the government. I personally had no intention or interest in pursuing legal options, but maybe the AG would. In one egregious case where the situation was resolved I still informed that office if the attempted fraud. Again I'm not threatening to bring legal action. I'm just letting the 800 lb gorilla know about the situation and they perhaps might want to do something.