Thanks for reaching back out, @SMcKee.

I'd like to ensure that this refund concern gets taken care of. For me to provide the best resolution, may I ask a screenshot of your deposit, and with the pay bills section? 

Having this would be a great help so I can check why you're unable a credit through Bill Pay. Please get back to me with some more details about this and we'll take it from there.

Feel free to mention my name so I'll be notified. I'll be keeping an eye out for your response to this.