Hi pondball,
QuickBooks Online Payments is a dynamic way to ensure your customers pay on time. The issue you've described is concerning, and I feel you would benefit more by contacting our payments specialists outside of this forum. They will be able to verify your account, and review the issue in more depth, and escalate if for further investigation if necessary.
If you have any other questions, feel free to touch base with us again. We would be glad to help!