Credit Cards. CapitalOne. UNETHICAL!

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Today, I reemed out capital one. I was sooo freaking angry at them. Back in May, I called them and asked for my balance, and then paid it and had them close the account. I went in to do a prequalification for a mortgage today and it was showing up on my CREDIT REPORT that I was 120+ days delinquent on my bill with them and that I owed them $200! I didn't use the card at all. I CLOSED the account. The guy on the phone said that a charge of $3.95 went through after I paid the bill. Umm.. It should have BOUNCED. Not have been accepted. And the rest of the 200 was all late fees for not paying the $3.95 I was BEYOND raging mad. I told the guy I'm not F*****ing paying it. And after a lot of me swearing and yelling he told me he'd close out the account and zero out the balance and I turned instantly sweet and was like "Thank you sir. Have a great day!" I think I freaked him out. But for credit card companies to have the nerve to do something so unethical! The account was CLOSED. They should have BOUNCED the charge.