10-11-2012 11:57 PM
I used to until I made a manual payment the day before the due date and AMEX still took out the Autopay for the full amount. There wasn't any notice that there was an autopayment pending when I made the manual payment. AMEX said there was a notice in the statement that said no changes could be made to autopay two days before the due date. It was buried on page 3.
It was a nightmare. It caused my account to be overdrawn and the autopayment bounced.
Worse yet AMEX kept re-submitting the auto pay even after I called and explained what happened and that they had already been paid in full.
They said it was an automated system and they couldn't prevent it from re-submitting. I had to call BOFA and explain what happened to them and they did a stop payment.
Luckily I was able to get both AMEX and BoA to refund all fees associated with the erroneous autopayment. But it was a hairy couple of days.
10-12-2012 12:24 AM
Nope, so used to paying myself can't seem to use auto pay just don't feel right.
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