Yes indeed, the scammers have perfected both their email communications and their phone communications. The days of typos, misspellings, amateurish letterheads and callers with heavy accents are gone. That's why we have to relax, center ourselves and think. Autopsy or not, that was an obvious scam because no one ever requests additional payment if we underpay a bill. They tack it on to the next month's bill. But it's likely due to the low amount, tens of thousands of people use the link and pay it. I read a story about a young girl in Australia who lost her $18,000 lifesavings when she was spoofed. She received an email that was identical in every way from the real bank. She was told her account had been hacked and to call a specific number. She spoke with a "customer service rep" who was very knowledgeable and professional. He set up a new account for her and told her to transfer her money to the new account. Of course she did and felt relieved. Until her heart rate settled and she thought about it. Took about 20 minutes but when she called her real bank, it was too late. Her money was gone. The bank said they did nothing wrong so they couldn't help her. As a longtime customer, they offered her $2000 as a goodwill gesture. I've had that happen to me twice recently. Once for an account I closed out in April. So, that was an obvious scam. Second time, I was wise enough to realize that was off. I called my bank and sure enough there was no suspicious activity on my account and if there had been, they call the customer, they would never send an email.