FNB preemptive, singular decision if guilt

I don't mind somebody sending me a reminder to pay a debt but FNB has taken this to a whole new level - FNB: You've not honoured your commitment to pay on 1568.97 on ***5 on your FNB Personal Loan. Reply YES for a call back to make a payment arrangement. FNB a div of FRB Ltd NCRCP20,FSP3071 Today is ***2, can FNB please explain how it is possible to have not honoured a commitment that is due in two days? To make matters worse they sent the same message again 2 minutes later???? I am aware that there is an element of artificial intelligence in technology these days but can one call this intelligent business operations?