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Capital One / penalties & finance charges despite payment in full

1 United States
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Last month, Capitol one stuck $64.68 of charges on my account, ostensibly because my payment was late. After I showed that my bank had made the payment on time, the charges were removed.

This month, however, I have a new charge of $9.56 because I paid the balance less the $64.68 (which was credited to my account before the due date.)

Today I had to listen to Tara and Shirley from Capitol One "Customer Service" tell me that a zero-balance isn't proof of payment in full...that I should have overpaid the account by $64.68 in order to avoid the $9.56 finance charge. What rubbish!

Let's do the math, too...assume for a minute that the erroneous charge of $64.68 was valid, 9.56/64.68 over 30 days amounts to %177 APR.

Va

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