Business ProfileforClear Pay Financial Solutions LLC

I have used this company for aprroximately 7 years to process credit cards at my business. I have never received anything in writing or via phone or email from them ,in the seven years, reviewing the terms of our service. I decided to go with a different (local company) this past September. I contacted ************************* on September 24th and asked her when our contract expired. She told us our contract expires every November 17th and automatically renews. This alone was news to us as we didn't even think we were under contract anymore. But I asked what the process was to not "auto-renew" and was told we needed to give a 30 day written notification. So we pondered our decision and decided we could make that work, we called her back and was then told by her that we needed to give a 45 day notification--Hmmmm!!! Well, on September 28th I emailed her (which is what she told me to do) and gave her my cancellation notice effective November 17th, 2021. This was well within the 30 or 45 day period. I confirmed with her on 9-29-21 that she received my email and all was good to avoid our "autorenewal". We continued to process our credit cards with them until November and I just received my last statement. They took a $90 annual fee on 12-7-21 out of my bank account in addition to the other fees that I owe them for the processing that took place in November. When I called them. I was told that I pay that every November. I told them I understand paying that if I was continuing to use them, but why would I pay an annual fee for a service that has been cancelled. They are not budging and not refunding me my $90. I think this is entirely wrong as I have never ever seen this $90 fee even mentioned in a contract or anywhere--although I do not doubt I paid it each year I processed with them, But to collect it now for 2022--crazy. Then they said it was a "early termination fee" which is even crazier as I fulfilled my contract with them.