IIRC they have one of those bogus arbitration clauses in their ToC. I told them I wanted them to appoint an arbitrator and now they won't respond at all. And a

IIRC they have one of those bogus arbitration clauses in their ToC. I told them I wanted them to appoint an arbitrator and now they won't respond at all. And as someone who litigates for shits and giggles, it can be pretty expensive in Small Claims, about $400 often just to file and do service on the defendant. And some courts won't accept suits that are less than the filing fee. And a lot of the time you can't get back your costs from the defendant either. And.. I'm not sure you can sue the bank for not charging back. I guess the correct process is to sue the merchant for never delivering the merch.