Product: Credit card

This all started when I started seeing triple charges of the same membership services XXXX for XXXX XXXX XXXXXXXX. XXXX this is been going on for years not only has this been happening to me but it seems like a lot people I know that set up autopay that this happens to so I look at my statement and now see this happening more then once more frequently then not so at this point I start looking at every month they credit it back but then I said wait now how about the interest on this that was taken from me so thats lot factored in and then I see my payment for example in XXXX if I wanted to make a payment of XXXX even though my minimum is less then that I still want to knock it down and put what I can affrord and knock this bill down but I just never seem to get this card down to nothing and the reason is that payment that I want to make of XXXX for that month on the first attempt is returned when I called bank and they told me no its instant that its right away but there system rejected the first statement but on second attempt it excepts it but what they do instead of just offsetting the first attempt the then make this XXXX a purchase payment and then it accrues interest this had been happening for years I have tried to explain to them this is not a purchase wheee is my item where is my receipt I have spent weeks on this so now what does this do it states a spiral effect they would not work with me on there mistake on many levels XXXX the purchases from XXXX after I said to get them off they took them off and yet in this month was billed and charges XXXX on XX/XX/XXXXXXXX XXXX times again for the same charge so at this point after all this they did take some off they did take some of the XXXX off but I called yesterday and it was like talking to a wall and I quote wanted to control the conversation and a dispute person said they dont have the bill and cant see that and thats when inside oh no so how can you do XXXX job its real simple u need number its a card we are dealing with purchase u can not do you jib unless you do have a bill unless he did his job and is a psychic my intelligence was insulted on top of me having to get another card cause this card compnay has in my opinion violated and is a direct violation of the clarification. Act XXXX cause if XXXX dif employees when I ask go to the summary page with the calendar and do you see for example in XXXX a charge for purchases XXXX and I made sure we see looking at the same thing that there are no discrepancies yes ok now show me what I purchased and this is where we get a problem. Not only can they show me what I purchased i wan na see my receipt there aint none that is not a purchase it a return payment that was actually made on the sec attempt and it shouldnt be a purchase at all but I did get interest that what that Payment that I made to knock down my bill bought me and I want to return all of it since it is a purchase and they need to return my money if that imis a purchase so you have all these payments never adjusted on the following month but convenient for them of course this has caused a problem in the algorithm cause its saying I used XXXX percent of my credit and have conflicting and contradicting report on my credit and its cost me XXXX to get another card to stop the bleeding. Which lowers my. Credit score its. Caused annothwr XXXX points to drop and then upon. Further I start seeing old cards and notice XXXX late fee on XXXX years and cause I seen that that it was a double jeopardy basically a card that already damages me and Im disputeing a charge and it was on a weekend and the. Hospital but made a payment also came back up because this here caused a chain reaction I am doing a buy back with my car I bought that I am getting kiled in interest rates do to all this and now Im in bad standing cause of something that was not my fault no this is not in no means fair or not is it correct nor is it clarified when there own employees cant explain to me how and why it is a purchase when its not and how if the second attempt went through I still cant get any answers and would love to know how an accountant is gon na Itemize this I have no other option but to question all of this and Im sorry this is not the first time this has happen but what if its someone grandmom on a fixed income they wont fight these chargers and Im sure this happens a lot and if theres a XXXX people getting billed XXXX for monthly charges that is part of a perk and shouldnt be billed that XXXX it should be in there system as a red flag wait this is a monthly charge for membership and shipment except the monthly charge the second time just like the system took the payment on second attempt but conveniently made the first payment as a purchase this is just where I am after weeks of this and I apologize if i wasted anyones time and recourses I might of filed wrong or dont know the language but I do. Have common sense and I know in my heart this is wrong and whats XXXX happen is who is gon na say third party like I calm credit journey, thats part of Chase but theyll say its a third-party meanwhile this is my credit and my life we are talking about and if I dont fight for it who is