Hello SF4Me,
That's definitely unexpected from your iPhone. Have you checked the region your iPhone is set to, just in case it was accidentally changed? Check this article for information about that: Change the language and region on iPhone.
If the region is correct (or if that's what you mean by "settings correct" and it's already been verified), further assistance may be needed. We want to make sure you reach the right team for help with your device, so we recommend that you contact Apple Support directly. Depending on your region, you may be able to reach them here: Get Support.
Thank you for participating in the Apple Support Communities and have a wonderful day.