^ several things I'm 100% about
-purchases. not transactions. can only be pulled up via computer by a sales associate, etc IF during or after depending what state you're in, the cashier takes down your info during the purchase. sometimes sliding that card will bring up your record anyways if used often enough and prior to that your information was entered.
even then they can only see where, when and how much. they do not serve as receipts because to return something for money back it has to be returned in the method paid. since the computer doesn't show that, they cannot use that as a receipt and put xxx back into the visa-MasterCard-Amex-so forth. if it was paid with cash, same thing unfortunately. only the original receipts show method of payment. not even gift receipts show this that's why original receipts are so important if you want to return/exchange
I don't really understand what this "treating like garbage" thing is about
I don't necessary agree with the letter and I obviously wouldn't care to get one but I know if I got banned I would want to know why. if the person or company's reasoning is sound, I guess I'm banned? if it's unsound and they're not willing to admit they're wrong, I would still be banned? and if by some chance they actually were willing to admit their err (if they're actually wrong) then okay.
Whenever it comes to something where it's a matter of them losing money when they ban you I say don't sweat it. just imho