Horrible billing process. Had some issues with my...

Horrible billing process. Had some issues with my bank and some payments were returned. However, I always paid and paid their returned fee charges. Now my account only allows me to pay by cash. If I did not pay that would be one thing. If they did not charge for the returned payments that would explain their action. However, there was no loss on their part, but now this makes it inconvenient as hell. Nice to be the only game in town and can set any arbitrary rule you want.