@Maura230
Good morning, welcome to ABB CC
Have a read of this forum using related keywords, Tellus International, Business Process Outsourcing ( BPO) , and Payments and you will find many of us have gone through and are still going through this problem that arose at least 5 years ago when ABB customer services in Ireland was purchased by Tellus / Jeff Purfit.
It's overdue that BPO's are held to account and provided education on Legislation and Policy's to all there Client bases as due in part to that and the ever changes of Websites/Templates it derails payments, add to the mix Fintechs and Citibank process issues and Communications networks "Exchange" regulations payments can be disrupted due to international laws.