said by MyDogHsFleas:And I suspect this is the conversation between a corporation and the arbitration service they hire.
You really don't know. I suspect the average case goes like this:
Business: Here's our billing and payment records. Here's what the customer agreed to (signed and dated). They owe us $XXX according to our records.
Consumer: They are wrong. (No data to back it up.)
How hard is that to decide?