Apparently they charged me $15 for "insufficient funds". The only problem is...they took the money out of a different account, after I changed it.
They claim they needed at least 72 hours to change my payment information. I have no record of this anywhere in any of my documents. I changed my account info on the 20th, and there is NO record of them trying to take out funds in my Bank Of America online banking. There is no activity AT ALL since October. Obviously if I had any sort of record showing that they had tried to pull the funds, I'd just suck it up.
The lady on the phone kept telling me she has proof of the transaction WELL THAT'S GREAT, WHY DON'T I? Maybe I'm just paranoid, but I find it extremely hard to believe that you tried to pull the funds out of the wrong account, and I have nothing to show for it? No phone calls, no record in my online banking? $15 is a lot of money to me right now. I'm so mad!