What can you expect visa (or mc) is going to do? I've reported merchants many times for some of the illegal things they do like not giving me a choice on dcc or at home by requiring id to complete a cc transaction or (before Durbin) requiring minimum purchases and the use of surcharges disguised as cash discounts (which still goes on in those states with laws prohibiting credit card surcharges reduced by one because of an imbecilic decision by some clown of a federal judge in the Southern District of NY). I've reported the Dutch National Railroad for refusing to honor valid visa cards lacking emv chips when I follow Capital One's advice to tell them they must honor all valid cards regardless of emv chip and/or pin or not. Please. Do you think anything has ever happened to these unscrupulous merchants violating the operating manuals?

It's a joke that these regulations even exist on paper when nobody enforces them.