It was return item from the bank

Back for MORE negatives???   Why don't you answer the questions posed to you OVER ONE MONTH AGO????

It's fraud.  Refusal to mail that initial dunning letter within five days of their first contact with you means that you should not pay them!

Then you deliberately ignored the multiple notices from your bank and the vendor which would have allowed you to take care of this situation?  I call BS, and yes, that means you are a shill for a scam.