I don't like to deal with large organizations because if things go wrong they will not be held accountable. And if you try, you will learn the definition of "asymmetrical warfare" first hand.
And with me, for a $2K job, the credit card company sided with them. I've cancelled three credit cards over 20 years for similar reasons and I don't want another card.
Usually the fact that the battle is lost for you is not apparent at first. Just like reeling in a big fish, they want to tire you out first and so-called consumer protection agencies may help with the illusion that you have an advocate.
"Definition of 'Wal-Mart Effect'
The economic impact felt by local businesses when a large firm such as Wal-Mart opens a location in the area. The Wal-Mart effect usually manifests itself by forcing smaller retail firms out of business and reducing wages for competitors' employees. Many local businesses oppose the introduction of Wal-Marts into their territories for this reason. "