I'm having a dilemma between my bank and Fidelity and they're both making me crazy. I've received three letters from Fidelity in the past two days, stating that my bank refused payment to them, due to a lack of funds in my account. That's total crap, I checked my account online and it was automatically deducted from my account. I've been paying for my life insurance the exact same way for four years and had no problems. Now Fidelity wants to bill me quarterly and I have to submit a paper check to them to start it. I didn't do anything wrong, they got the money and it seems that I'm being penalized for it anyway. They're threatening to cancel my policy if I don't comply. I've had the same account with my bank for more than eleven years, with very few problems. I have no complaints other than nearly having to have an act of Congress to get them to review my account and help me find this "payment" that Fidelity says they refused to pay. Now the bank is sending me a "hard-copy" of the transaction, which will take seven to ten days by "snail mail", so I can refute Fidelity's claims. I could be dead and buried by the time they can get it sorted out between them. I'm NOT sure, but it seems like someone is trying to defraud me in order to get more funds from me.