Although I can see from a human standpoint you went through quite alot.
However verizon uses computers to invoice and you can pay many ways but the money has to be available.
Human error of it was in the wrong bank account and it bounced still means you have NSF fees from your bank and from Verizon. When you are shut off becaused of non payment no matter how it happened you and I would pay the reconnect fee which is in the contract. If it happens again we pay again its the way it is.
Verizon is not heartless because its a non human computer. Due to having a heart they offered to reduce the fees which you owe no matter how you look at it. I am sure with other things on your mind this situation is rare.
Just move past it and try to remember you were not singled out in this day and age computers are our masters. And you cannot argue with a machine.