Has anyone worked out managing a Chase credit card with subaccounts in QBO?

My new client's 2 subaccounts are linked to the bank; the parent account is not. 

Payments are recorded against the parent account. (Is that how it should be done?) 

The subaccounts never have a balance that is anything near correct, so the balance sheet can't be right.  

One subaccount is always in the negative, the other has a balance that just continues to increase and never decreases.

What are you doing that works??

In addition to all of this, it looks like through the years (back to 2018) journal entries were made to try to correct the balance. ($7k journal entry against Reconciliation Discrepancies!).  So in addition to a correct process flow, how would we make adjustments to get the balance(s) where they should be?

Thanks for any insight you can offer!