The same thing happened to me, I paid both fees on Apr 20th, the amounts were deducted from my account and was able to start the application 3 days later, on May 6th I received the dreadful email stating: "Unfortunately, the receiving bank was unable to accept your payment for the following reason: No Reason Provided, If you check your bank account and see a record that U.S. bank deducted funds from your account, please send a scanned copy of your bank statement showing the deduction through https://nvc.state.gov/inquiry. We will review it and update your case to reflect the payment." So that's what I did I submitted a statement showing that the money has left my account and referenced the email and asked them to resolve the issue, my account shows the "pay now" button but I didn't wanna pay the again, a few hours ago I logged into the seac portal and found this message:
"Thank you for your inquiry. Duplicate and rejected fee payments should be resolved by pay.gov within 30 days. If it has been more than 30 days and your bank account has not been credited for your duplicate or rejected payment, please contact pay.gov directly. If your fee payment status shows "rejected" in the Consular Electronic Application Center CEAC, you will need to log back into CEAC to repay your fees."
which basically telling me to get lost, when I tried contacting pay.gov I found this in their faq: "Request a refund
Only the Federal agency receiving your payment can authorize a refund of a payment made using Pay.gov. Please contact the agency directly to request a refund."
It seems to me that the only option now to to contact my bank and ask for a charge back and see how that goes, this so frustrating I can not believe that this kind of ####### still happens, anyone has any ideas?