Denied my phone payment twice, though money in account. Called Chase @ noon, spoke to a representative. Told matter taken care of. At 12:15 am received notification inquiring if said pymt was mine. Since I was asleep @ that time, I did not respond quick enough. Now received message card being canceled & new one being sent. Now my phone bill not being paid on time. Rely on phone for work. So here I am @ 2:38 am ,trying to get this mess straightened out.