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I would just call up Visa or Mastercard directly and let them transfer you to the right department. They will probably try to push it off to the merchant bank and have you deal with them. Don't underestimate sites like ripoffreport.com either. It can severely hurt the site when people do searches prior to joining and VISA and MC do have people who scan those sites.
If it's something illegal don't hesitate to contact the government despite what some people say here to dissuade you. If the government acts and they have in the past it can severely damage the scumbags and even send them to prison.
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