iPayment Merchant Services Salesman misrepresented fees, bs compliance fees and unexplained charges plus took several attempts to close acct Thousand Oaks, California

I started an acct in (Jan?) based upon pos rankings online and the salesman.  I thought I knew what to expect in terms of fees. To my knowledge, the cc%'s were as explained, and so was the Authorize.net monthly fee.

The ipayment/merchant services monthly fees were debited from my bank acct and were at least double what I was told, then it increased because of "non-compliance" fees... there's something in small writing on the paper statement indicating that an online form must be completed or the penalty will be applied every month (like $20). They got me with about 3 of those before I realized. 

I called to cancel in early April after last recent transactions cleared.  I was told they were going to close my acct. Shame on me, I didn't demand proof.  Since, they've continued debiting my acct the non-compliance fee, reg monthly fees and the last charge was $141- no idea why.  

I called again 6/4 and was told the acct wasn't closed. The cust svc person submitted a refund request & emailed me a form & I faxed back same day.   Called again today- 6/11 and acct still not closed. Cust svc rep indicated it was submitted 6/7 and could take 30 days, AND that "management" had only approved a $20 refund. Wow! Now I'm afraid they'll debit my acct some huge cancellation fee (I was told there was NO cancel fee- "cancel anytime"). I'm going to close the bank acct on Monday.