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I've had problems in the past when I discontinued a relationship with a creditor, especially things paid in advance like cable and homeowners' association fees.

It really isn't a question of having problems. The severity of the problem depends on the bill pay service. After having a problem with a payment for water not be applied, I gave up on bill pay services. B of A quickly resolved the problem, but I don't like having to rely on a third party to resolve issues.

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