Bad bad service affecting credit record

Poor service I want to deactivate account ..I have been keeping my payflex account in good standing until recently when funds was taken out of my account for items that was either returned or cancelled normally as soon as I realize I dint have enough funds in my account I would make payments almost immediately as can be seen on statements now I was refunded but I cannot use that very funds which is mine to make payments to payflex and they keep on telling me the same story