Honestly, as long as they are still passing the chargebacks on to merchants then none of these "procedures" matter. Because Dwolla keeps the user information se

Honestly, as long as they are still passing the chargebacks on to merchants then none of these "procedures" matter. Because Dwolla keeps the user information secret you have to trust them to do all the resolution and such. In the meantime, you are still out of funds and have no recourse.