<prompt> Human: Were both young and establishing lines of credit. For my girlfriends 2nd credit card she got a Bealls card from Comenity Bank.Her first month total bill was 48.12. she paid that with bank account as soon as the statement was issued.Heres where it gets fishy. On the Bealls card website the total showed 0 with a recent payment of 48.12. this is correct. HOWEVER, on her bank account activity there is a withdrawal of about 33 from Bealls for a bill-pay. She was going to call about the discrepancy but it was late at night and decided to wait until the next day. The next day we noticed ANOTHER 33 charge with the same name. At this point they had taken over 66 from her bank account, but the card only showed a 48.12 bill payment.We were busy dealing with a family emergency so she didnt have time to call, but she opened a case online with the card issuer about a week ago. There was no response until today we received a letter from Bealls stating that her payment of 48.12 was returned by her bank and added back to her credit card balance. Additionally, they will add a return payment fee to her balance. They have also reported this finding to Equifax and Transunion. They also locked her card until a payment is made.Bealls DID NOT issue the payment of 48.12 back to her, but they did add the balance back to her credit card.This means at this time Bealls has taken 33 33 48.12 some mysterious fee when she only made one purchase of 48.12 and paid on time. They also seem to be threatening her credit.What would be the best course of action to take here? My biggest concern is what they are going to do to her credit score for something she didnt do. Sorry if this is common, were still new and just trying to build credit!  <response>: She needs to call them and find out whats happening. The card issuer will know more than we will. 