Thanks for the suggestion but it didn't work.  Yes, I connected with a person and they gave me a link to Melio billpay which did not have a pathway to get any help.   They said the messages come from Melio - well no kidding I can see that in the email - and that the help needed to come from Melio. But our Melio account is through QBO - not direct with Melio - so no way to access help for Melio.  What terrible customer service - first QBO persistently cross sells the application and then doesn't support it or provide a way to get help. 

Good heavens- I just need to change  a simple email - not anything more complicated than that . I have already invested HOURS