SWG repeatedly has claimed my payments have been returned by my bank, though the bank says they have had no payments presented or refused. Likely account # incorrect in SWG new improved system but am completely frustrated at being unable to contact a human there to correct. Finally got one person who only removed their $14 returned check fee but basic problem unchanged. Have spent many hours trying to contact SWG: phone hold times between 1/2 and 2hrs., website wont respond for at least a week. No problems with SWG until new system began. SWG now user-hostile.