I have had two instances where I was the target of scammers and the subsequent illegitimate/disputed charges to my bank debit card. When I reported this to Commerce (my bank) they did very little to assist me and seemed to favor substantiating the charges in spite of the significant evidence I supplied to the contrary. One of these charges dealt with one of the Acai Berry "marketers" which is by now exposed to many as being involved in fraudulent charges. I even sent evidence that one government agency had declared the same charges in another state to be fraud and took the company to task. In spite of all that, Commerce eventually found that I owed the money and sustained the charges. I have not paid them. I closed my account and will fight tooth and nail against not only the Acai Berry issue but also Commerce Bank's indifference to abuse of its account holders.