You may very well be right: maybe they're ripping you off and maybe the ToS are unenforceable.
What I'm saying: adjucating these situations is the purview of a justice system (ie courts). If you were ripped off, you can always go after the party that caused damages (ticket issuer). If you want a "short cut" to "justice" provided by a credit card processor, well then they get to decide when & how -- and I don't think it's unreasonable for them to collect "evidence" from both parties to make more-informed decisions. And again, if you dislike their rulings you always have small claims court at your disposal.