I would send the penalty bill to Apple.I couldn’t receive a message with a code from my bank and ended up not being able to settle on my first home loan because of this.. and I was blaming the banks system too 🤦♂️ Super stressful!
Glad I know it’s an issue now, resolved by getting them to send it to my partners phone (iPhone 11) in the end but we were a day late and had to pay a penalty..