I'm 21 + a single mom. I got a Chase credit card 2 years ago with a limit of $300. I used it up, but never went over my limit. I was enrolled in a payment protection plan with the card, I lost my job+called Chase right away, they said everything would be ok. I asked them to cancel it and I'd pay the balance asap. The next month, I get a bill for $380, not $300. I called them+ they clamied that interest, late fees+overdrawn fees would still be added. One thing happened, then another.

They sent it to collections, now claiming the balance is $1,085.04. I get a call today telling me that I frauded Chase+ it's a felony charge. He said if I don't call back by 6pm with $408, he will call district attorney's office + they will issue a warrant for my arrest. I know debt collectors try to scare ppl all the time, but I am worried. I can't find any info online. He said if I had made at least 1 pymnt, this wouldn't have happened. I have 45 mins, no check, no debit or credit, no money at all!
Additional Details
But the main point he made was I Never made One pymnt at all, he claims that is the "Fraud" of it. And that it is a felony charge. I never lied on app. it was my very first card, and I've only had one other which is completely paid off, cancelled and broken into pieces. I never paid this one bcus I tried disputing them charging it every month. I was very irresponsible, I admit that. My purchases were gas+ food, nothing shady. I know there's not a debtor's prison or jail. Thank you for all your answers!