Capital One Credit Card Complaint

Capital One Credit card department,

Delinquent account Missouri

- made a purchase at - - - department store in -, mo. Received by - bill. I made a payment from on line banking of $100.00 to -. Unfortunately I had - accounts with this merchant ; a store card and a Mastercard. - account was closed. The $100.00 payment was posted to the closed account. In - when I received by bills ( - account had a credit of $100.00 ) and the other account was delinquent. I immediately called -. They indicated that the seen the issue and they would re-apply the payment to the correct account. I asked if I should make another payment. - replied no. A few days later I received a collection call from -. I explained the issue to the agent, who indicated that the could see what happened, but indicated that there were no notes on the account. They explained that they would re-apply the payment. I asked about my credit and indicated that they would note account and -5 business days, my account she me corrected. A week later I receive an email from indicating by credit had a delinquency reported due to this past due account. I immediately call


also make sure by credit is restored. I told him I would like to pay the card in full and close the account. He indicated it would be best to wait until the account is accurate. I agree. He explains that this will be expedited, -5 business days. He also indicated that he will call me when the payment is posted and credit is restored. I requested a letter that would provide me with assurances that this will not affect my credit or me in any way. I am trying to purchase a house and this can effect by interest rate. To date, nothing has happened on my account. I have exhausted every possible means of getting this rectified. I am not sure how to clean up their mistake. I am getting no where. I recently wrote them and was told I need to contact their customer service team .... 120 days and the payment of $100.00 is still in their possession, sitting in a closed account. I would like - to correct their errors.