Capital One Credit Card Complaint

Capital One Credit card department,

Delinquent account Michigan

I phone capital one customer service to set up over the phone payment. I exchange information with rep including my bank routing number. We clarified my payment would come from my checking account. Capital one set the payment to come out of my savings. After three tries and negative - in my savings I called them to try and figure out what happened. After several service reps I finally got a supervisor who - way called my bank. Capital one left off - - in the beginning of the account. They did n't seem to think they were needed. My bank clarified that the - zeros deciphered if the money was to come from checking or savings. She also indicated I would not be reported late for this error. She returned my late fees but told they they could do nothing about the - in charges I had to pay my bank. She agreed the errors were computer issues with capital one and my bank. Next thing I know I have a 30 day late and this made my credit score dive - plus points. I have tried everything. I emailed, chatted through email, called, and written. I have been told the late fee would be removed and yet again it is still there. I keep receiving letters from cap one stating there account information is correct however when speaking with them in person they say they are correcting it or will dispute it. When I file disputes with my credit bureaus they just take the information from capital one and never investigate my claim. I appreciate any and all help you can assist me with. My late is for -. I have - accounts with capital one and have never had a 30 day late reported until -.