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Attempted to collect wrong amount. We had a Capitol One Credit Card. My wife had XXXX, and we realized we were over our heads with credit cards, so we turned them all over to XXXX. It has been great, all show current on our credit report, except for Cap. One. They refuse to change their status to closed, they show they utilize 43 % of our income, so we can not get a home loan from anywhere. They say their policy is to show it open and late until it is paid off in full. Their balance is over {$400.00} and we can not pay it in full right now. They kept us from getting a bank home loan and a USDA home loan, I have spoken to everyone I can get to at their offices with no help. They wo n't change it, even though they have been paid their required payment each month for almost 3 years on time ea