I have all the same issues every time they "suspect" fraud...
And one other issue. I always pay in full to avoid F...charges. once I paid a penney OVER (not under) and the next month I was hit with finance charges for both months. The middleschool dropout explained that it was because "the system" throws any amount other than the amount due into the partial payment file, and interest starts from the start of the billing cycle.
Needless to say, after that was fixed I was very careful to pay the EXACT amount due, and if I want to pay more I do it in a seperate transaction.
I feel better!