Had a lengthy discussion with a customer rep on the phone.
Basically discovered that the individual items on my monthly credit card bill did not add up and I was overquoted by $2k.
I checked last month's bill and discovered the total was $500 over what was quoted. Not sure if this is an error on their systems but worth checking your bills in detail and don't just assume the total adds up.
Can't believe this is happening in 2018
Sadness