Product: Credit card or prepaid card

I need your help to recover {$150.00} from Chase and XXXX for wrongful charged impose on me for their billing process mistake more than one.  XXXX want {$200.00} early cancellation fee plus {$85.00} total {$280.00}. In addition to, XXXX threat to send my name to the big-3 credit bureau for collection. 
I pay my bill in timely manner and pay as agreed, I am a consumer, it is my obligation and responsibility to pay my bill not processing them, and I have fulfilling my part. Its wrong for Chase and XXXX to force their mistake and penalty on me because they have problem within their billing process systems. 
Do companies like XXXX and Chase have a responsibility and should they be held accountable for their mistake? XXXX and Chase should pay me five-times more for the amount they want from me. 
I strongly believe Chase own me {$150.00} for the share of the mistake ( XXXX profits ) that derive and created by XXXX and Chase. They create their mistake to gain and force the loss on me, this is wrong, this is as same as deceptive practice and fraud for profits. 
Thank you for your help and understanding I am looking forward to hearing from you. 
Sincerely, __________________________________ Previously send to Chase XX/XX/2018 XX/XX/2018 Dear : Chase. 
I need your help to end the billing mistake among Chase, XXXX and XXXX, this problem with both companies started when I made online payment from Chase to them. I send the payment before the due date, but they didnt receive its, so they add on penalty and carry on month after month. 
I pay my bill in timely manner and pay as agreed, and for many years I paid off full balance for the amount that I use and not minimum payment to Chase. I am a consumer, an end user my obligation is to pay my bill not processing them, and I have fulfilling my part. Its wrong for XXXX, XXXX to imposing the penalty on me because they have billing issue with Chase. 
Furthermore, I maintain at-least {$1500.00} or more in my checking accounts most of the time. I have more than one account + mortgage loan with Chase, and I did not fail to pay my bills to Chase for almost a decade. There is no reason why I had to pay the penalty to XXXX then XXXX. These are the mistake in the billing process among XXXX, XXXX and Chase. 
Obviously, there is a problem of animosity and retaliation among XXXX, XXXX and Chase billing processing and the penalty is continually passing on to me. When I complaint to them they promise to remove the penalty, then turn around adding the same amount back on the following billing cycle.

Within 6-months from the day I sign-up for service XXXX cut off my electricity twice and threatening to cut off again for the third time on XX/XX/2018 for none payments, and penalty for dishonored receipt and insufficient fund when I paid my bill in timely manner. I have 12-months service agreement with them and they gave me no choice but to stop the service before expiration day, because of the XXXX theyre impose on me its taking toll on my health. 
Here are the late fees and penalty that keep on adding up over time ( $ XXXX-XXXXr ), ( XXXX-XXXX ) total = {$420.00}, XXXX XXXX XXXX is a collection agency for XXXX. I am asking Chase to reimburse or justify these 2 charged with XXXX and XXXX to clear my name, because, these two companies are sending me to the 3-credit bureaus for collection. 
I am asking for your help to result for this problem. I prefer to work with Chase to find a solution before I am reaching out the other consumer protection agencies. Attach to this letter are documents for your review and I am looking forward to hearing from you Sincerely,