Chase credit card

I have been a loyal chase credit card holder for years now and have been happy until today. I paid my bill last month on-line as always. I received my email thanking me for my payment. Then this past Monday, Decmeber 11, I received my statement in the mail with my last months balance and two fees, a returned check fee for $29.00 and a finance charge for $108.00, because 'I had not paid my bill'. I immediately went on-line to see what happened because my statement had no explanation. My account history accepted the payment December 14 and then returned the payment December 17, then the $29 and $108 fees were applied. I called chase to see what happened and they verified the account number and two people couldn't tell me why this had happened. They suggested I call my bank. Come to find out that account isn't able to be processed on-line, fine. I called chase back and they said make the payment and call back in two days after it's processed and they may be able to waive the fee. What I don't understand is why did chase accept the payment. Why is it today, Decenber 16, almost a week after I received my monthly statement, do they send a letter telling me they had to return my previous months payment, it's too late, I already received my statement. They encourage a paperless system why didn't I receive an email stating that my account could not be processed, please use another account. Today I called chase, like they said, two days after re-submitting my payment, to get the fee waived, the guy that answered couldn't. I asked for a manager and she couldn't do anything either. I guess because I am such a could credit card customer ( I always pay my bill on time and in full) they are not making any money on me therefore they don't want me as a customer. I am so furious and would love to cancel the credit card but it's a Disney Visa and I accumulate free Disney money, that's the only reason why I even use it.

Thanks for listening,

Gayle