Debit Balance with Vantis

I got an e-mail stating that I have a debit balance with Vantis. I didn't know anything about this until now. I called and the rep told me I had 2 policies lapse in their 12th month so they charged back 100% of the commission. I received no notification of the lapse so how could I have known. I won't write any more business with Vantis. No other company I write for does this that I know of. I think it is ridiculous to write a case and have to worry about it staying on the books or you will be charged.
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