American Express Lost Wallet Protector Service and Credit Card Predatory Practices Nationwide

I have had an american express card since 2002, but have stopped using it because the interest rates are not competitive.  I did have a subscription to american express lost wallet protector service (marketed by american express).  In March, it was autobilled to my card without notice and because I seldom use the card, I didn't check my statement ($39.99).  The following month american express tacked on a $35.00 late fee and applied a penalty rate to my account.  This seems gratuitous considering the amount of the charge and the fact it's another branch of american express initiating the charge.  American Express refused to remove the charge, the late fee or the penalty rate.