We have blacklists to protect banks against those who abuse bank accounts. This is the purpose of ChexSystem, and unfortunately, it can also affect responsible consumers who may have opened several bank accounts. This Walletpop article
describes a new blacklist at BadCustomers.com that is suppose to protect retailers from consumers who overuse credit card chargebacks. There are concerns that it will unfairly lump in consumers who have a legitimate claim against a merchant with those who abuse chargebacks.