I think a simple phone call is reasonable as well. If I had $2600 at stake I'd find friggin time for a phone call, makes you wonder why the account holder hasn't done so the past 6 months. It's not like BP is asking the alleged perp to come to Costa Rica for a polygraph. And to their credit, BP did not zero out the guy's balance, unlike an A+ Book did in three recent casino disputes--before the facts were even heard. Jesus, if BP was out to screw anyone it'd be for a lot more than $2600. I truly believe Richard is fighting this on principle's sake, so let's make the friggin phone call and be done with this nonsense. Three 5-digit complaints against 5D, and this is the battle SBR chooses to highlight. Unfriggin real.