ipayment 1st National Processing Can't trust even a real person on the phone Thousand Oaks, California

We started a camp store to compliment our lodging resort in Estes Park.  I called our business bank that has our accounts and ask them to set up an automated account so people could order online if they wanted.  They quickly got it set up through first national processing and sent me the papers.  After about a year, we found that we sold more with the onsite store than we did online so I called our bank (Firstbank) and asked them to cancel the account that we were using for online.  They sent me an email and let me know it had been done but told me to call the processing company just to make sure.  I called Authorize.net and cancelled the account and thought everything was done.  The next month (August 2010), I received a bill for a minimum monthly fee and "additional" fee that were not disclosed.  I called again  and spoke with John on 8/9/10 and  told them this account was supposed to be closed and they assured me it was.  Then in Sept. 2010, I received another bill at the end of the month for a minimum monthly fee and more undisclosed "additional" fees.  Once again, I called and spoke with Brian in customer service and he said it was an oversight on their part and I would be refunded both months.  He told me he saw all the notes in my file from my previous conversation with John and was not sure why I had been billed again. He assured me several times the account was closed.  When I asked what the nondisclosed "additional" fees consisted of since I had not used the account now in over 3 months, he assured me the account would be closed and I would be refunded. All these charges have been deducted from my bank account directly using EFT.  I just logged onto my bank on 10/22/2010 to find that ipayment has now deducted a $250 cancellation fee.  I still have not been refunded the fees incurred since I originally closed the account and now this!!  I am disputing the charges with my bank and I hope Firstbank never does business with them again for their own good as well as their loyal customers.