I had conversations at different times (usually was busy and had to "talk later") the last 2 weeks with at least 3 or 4 different people at "the big call center with 1000+ employees that handle credit card processing etc".. I contacted the AZ Dept. of Financial Institutions which does not requlate credit card companies and no permit or lic. was needed, but they have had complaints and this is a "boiler room" operation (notice "Suite 402" on the address) that could no way handle what they claim. They are out to get your money and all you get is to play with the website. Make complaints:
AZ Attorney General Hotline: 602-542-5763 or file online
also:
[email protected] 202-649-6800 and file online with ftc.gov