On October 12 as I was doing my online banking with Chase I noticed that a $0.00 amount was due. That same evening when verifying interest rates and other account activity, I noticed a $39 late fee on still $0.00 minimun payment due. When I called to inquire how Chase could charge a $39 fee on $0.00 minimun payment due according to my most recent online Chase.com statement they insisted it was 'my duty and responsibility to keep up my payments to avoid late fees.' Again, I explained to them, and also asked them to explain to me, how Chase could charge $39 late fee on $0.00 minimun payment due? They gave me the continuous scripted explanation, and their inability to waive the $39 late fee. When I asked to speak to a Supervisor the representative insisted 'no supervisor was available to take my call, and that I would recieve the same answer.' As I then asked if the department was left to run amuck without Supervision she put me on hold and when returned said 'no supervisor was available.' So, does anyone else know a good mathmatician to explain our government run banks the simple addition and subtraction tables to explain this one?