I appreciate the troubleshooting steps you've performed, T4KB. I'll provide information to help remove Finance Charges applied to the transactions and refund the paid invoice amounts.

In QuickBooks Desktop, you can delete the Finance Charge (FC) invoice entry to exclude them from the customer's record. Deleting them will make the payments as unapplied credits where you can apply them to your next invoicing. Thus, creating a refund transaction won't be necessary.

To guide you with the process, refer to the steps below:

1. In your QBDT account, go to the Customers menu and click Customer Center.
2. Find the specific customer where the FC invoice transaction is.
3. Select on the Finance Charge transaction and click Delete.
4. In the Delete Transaction notification, click OK.
5. Credits will then be available to be applied in your next entry.

Moreover, I'm sharing these references to guide you in managing customer statements and payments in your account:

• Create and send customer statements in QuickBooks Desktop
• Take and process payments in QuickBooks Desktop

If you have any additional queries managing customer transactions in your file, feel free to reply in this thread. I'm always around whenever you need help, keep safe!