billed for "returned payment fee"

Last month in April, I was getting a new debit card because my old one was expiring and when I tried to pay my internet bill with the new one, it was denied twice.

I thought to activated my new debit card, given one of the two options, was to either call a number or go through an ATM. In this case, I called the number and I was able to make purchases at a nearby local store. However when I tried paying for my internet bill the first two times with my new card, it was denied.

What my bank had failed to mention was that I actually had to activate my debit card through an ATM and not through a number like my bank had said in the mail. This was after the two failed payments to Cox.

This frustrates me because I had no control over this but I was billed $60 for failed payments.