I would have asked for a refund of at least 10 years. Make your own reason why you would like to do so. For some reason, when my late husband was making out the Bill Pay, auto payments on bills that remain the same, he got one of them, the Orkin service, down for twice a month. After he passed away and I was doing the bills, I noticed the overpayment -- there was $500 credit on the account! I called and asked for a refund, and it was gladly sent to me in a check. Might be worth a try.