When I received an email from American Express, it was the only correspondence I got that my payment was late. I still have paper billing and how is it that I’m late two months. I never received my Amex statement My bills are always paid on time. I did change the bank account for the auto pay but only one card got registered for auto pay and not the other. My $24 purchase became an $89 dollar purchase. I called to see if they could at least waive 1 of the 2 late fees, but AI generated a “NO” response. I’ve been an American Express card holder since 1988. If AI is making decisions then the human decision I can make is leave Amex. I’ve always loved their service but this isn’t cool.