This person has posted this identical complaint on other sites. They are a really good company and they have to comply with M/C and Visa regulations as well as federal regulations. They are subject to audit and have to protect themselves and consumers against merchants who are willing commit fraud and drive the cost of goods up.
The only thing I can say is that it was probably smart of the bank to hold this person's money for 90 days to be sure that there is no fraud. They are willing to put in the names of employees who are just doing their jobs but they are not willing to put their own name in.
