So more details - I scheduled the payment 2/24 to go through on my next payday 3/1 (sorry, thought it was the following week until I checked) for the previous statement balance, $898.84, and have the confirmation email showing the exact amount I authorized, recorded on my statement, and recorded on my checking account. Min payment due was $35. Just after scheduling that payment I redeemed $805.22 rewards dollars (this is BCP) which apparently posted on 2/25.
The payment amount that was deducted (credited on 3/1 but shows as 3/4 in my checking acct) was $482.33 instead, leaving me with an unpaid statement balance from the Feb statement since the rewards dollars can’t be used to satisfy that, as shown on their site by the “previous statement balance due” when I logged in a after the payment went through.
Here is where I was unusually remiss - I didn’t log in until the 14th to check on things, statement due date was the 12th. I was traveling and life was hectic, and in years of having AMEX pull payments I’ve never experienced an issue, so I trusted everything would be fine - my mistake.
As soon as I noticed what had happened, I contacted AmEx, and simultaneously paid the current balance of $559.69 to be pulled from my bank account. The rep I spoke with insisted I had changed the payment due amount, but I had neither logged in to the site nor received notification that the scheduled payment had been altered.
I am the only one with access to the account, online or otherwise. I have never changed a payment once scheduled and didn’t do it here. The second rep I spoke with (I called back to close the account, I was so angry that the first csr had all but called me a liar) was able to see that I hadn’t accessed the account between those log-ins (first said this was not info they have access to) and was able to see that no updated pmt email ever went out - because I never updated it. Lol
I inquired about whether it might have to do with the credit to the account and not allowing a payment for more than the current balance. Both reps assured me this was not the issue, the first rep going so far as to say I could make a pmt for $5k over my current balance and it would go through just fine, as long as it cleared my bank.
This is the weirdest thing I’ve ever had happen with a payment and it concerns me greatly that a payment amount was altered without my consent or knowledge. I should also note I didn’t not receive an email when the credit posted, all I have is the initial email from 2/24 thanking me for scheduling the pmt amount I authorized. Oh, and no other payments in between the ones described above. Hope this info helps.
