SO I recently made a payment to my AMEX plat with the wrong account.
"Oops, no big deal" the agent tells me. We will refund you the returned item fee when it hits and off you can go.

Except that isnt apparently how their system goes. Because I put a stop payment on my checking account (so AMEX's system doesnt try to hit the account 3 times before giving up), my card account is apparently "on hold" indefinitely UNTIL AMEX account service agents conference call with me and my bank confirming everything is fine and dandy with everything next week. Two agents confirmed the same thing is true.

Why does Amex do this? Over the course of several years, I have had a few NSFs to various cards, (due to too many checking accounts and sloppiness on my part) but nothing ever comes of it besides the fee. Never had I had to conference with my bank to confirm things are correct or the funds have been withdrawn.

Knowing AMEX, I am half expecting an FR and/or account closure to come of this, despite nothing being overdue and employment info being up-to-date.