the same stories pop up on DF regarding backdooring and stealing apps or funder's sending declines to other funder's or through ISOs. the bottom line is, if you want change, and, can prove a cause of action, file a lawsuit. have others join you if its widespread, and, get restitution. Sure, coming on DF serves like going to a shrinks office to tell your stories of wrong doing, but, it's not changing the practice in the business.