I stopped using Clover when lockdown started in November of 2019. I closed the account But in April 2022 I received a bill for $44 plus $150 collection fee because the bill hadn't been paid since 2019. I never received any notice of fees due. I negotiated to pay the fees and close the account without having to pay the collection fee. I also received via e-mail that the account had been closed as of April 30th. Then in June I received a second notice that there was a fee overdue with the $150 collection fee still! Customer service said that there may have been a fee pending at the end of April that went automatically to collections. At this point I've started a case with the BBB.