<prompt> Human: I noticed my electric bill hadnt gone through this morning while reviewing my current bank charges. So, I went to check on their website to see what had happened. The card number appeared correct and I didnt see any other incorrect info. Still trying to figure out what had happened, I called the company to see why they hadnt charged me for my monthly payment. Only to end up fighting with the AI attendant! Who tried to charge my account 580, out of the blue, and then hung up on me! When I finally got a real person on the phone, I asked why they had not submitted my bill. He said that it had been declined but he wasnt sure why. He also mentioned I had been charged a return charge. I stopped him and said What the hell is THAT? How do you return a charge that didnt go through? Silence You do realize that doesnt make any sense and that there is no such thing! Yes What the hell is going on over there? Your working for a bunch of crooks!!! silence After awhile he chimes in that hes already refunded the 25. I end the call shortly after that and go initiate a manual pay from their website. I would have paid immediately had I known there was a problem, and did pay as soon as figured out what had happened. Im not trying to get one over on them. I then googled return fee, credit card and auto-pay and confirmed that there is no such thing Im pretty confident of such: 2 results, neither relevantI can understand a fee against a check, as its supposed to be good when you write it. Thats the way the law has always been during my lifetime. However, a declined charge against a credit card incurs no substantial overhead. There is no human handling of anything and no laws were violated. I worked in check collections for a year, long long ago. So charging a fee has always seemed reasonable to me, given the amount of effort involvedDid I miss something here? Has anyone even heard of return fee on declined credit card charge? Or, was I right?  <response>: It sounds like this was a really strange error and they refunded the fee you were charged, so Id drop it. Never heard of a return charge for a CC payment unless it was disputed as fraud. 