In February, Bill Oesterle began seeing nearly twice the normal number of transactions being declined for customers who had set up auto-billing on their accounts. The co-founder of Angie’s List — a service that aggregates consumer reviews of local contractors and physicians — said he originally assumed more customers were simply having trouble making ends meet in a down economy. But as that trend continued into March and April, the company shifted its suspicions to another probable culprit: credit card processing giant Heartland Payment Systems. The data breach last year at Heartland — a company that processes roughly 100 million card transactions a month for more than 175,000 businesses, has forced at least 600 banks to re-issue untold thousands of new cards in a bid to stave off fraud. For consumers, receiving a new credit or debit card number means contacting companies that have those credentials on file to charge