Capital One Credit Card Complaint

Capital One Credit card department,

Overlimit fee Florida

accepted 0 % balance -fr promo APR for 18mo w/Capital One. wrote check for entire balance, yet Capital One approved it. Per policy, check and fee should not exceed available credit ; which means Capital one should have rejected payment and contacted me ; at which point I would have written for a value they determined. As a result, they reported over the limit status to credit bureaus and credit scores dropped over 30 points. Although I erred, this is predatory. If I attempt to charge over my credit limit with my card, it is immediately rejected as a safe keep. How is it that this check had to go through processing, possible Credit Analysis and funding and they completely omit their own policy. This transfer should have not been approved. I have paid my balances down each month with no transactions, only interest applied. I take my credit very seriously and was aiming to be in the 700s soon. I have never opted in to allowing capital one or any financial institution to go over my credit limit. I have contacted them to correct this, they of course will not admit they erred. Please assist in getting my these negative items removed from my bureaus. Thank you.