I don't think its a waste i mean they have fined Cardholder according to the number of reports against them. Which imo is the problem, instead of taking action fast they allow the complaints to build up so they can fine them more. Great for them but pisses those of us who report and keep getting called. its the same thing the cia,fbi,nas,reg cops do instead of arresting the guy they know they can put in prison they wait and try to get as many as they can in one scoop. Great for news headlines not so great for those the criminals take advantage of.