DeadFidel:
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I was told that if I close the account I will not see they over 15k and adding the owe.
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Ignoring all small print and bullshit - this is already irrelevant since iBill have broken contracts, - anyone who utters such garbage as "if you close your account you will not see they $15K plus we owe you" need a charge of at least, what is known in the US as felony theft dumped on them - not some corporate bullshit liquidation or Chapter whatever crap.
People are entitled to every penny they are owed, not dependant on some irrelevant policy of a processor.
PS.. Always wondered why they call it "felony theft" - theft has never been anything other than a felony.