We agreed to a settlement via phone with Capital One and she set up automatic withdrawals from our account. We paid the final settlement payment XX/XX/XXXX. In XX/XX/XXXX I later received collection calls for the same account that was settled XX/XX/XXXX. I checked my credit report and it showed my settled account was not paid. I called Capital One and they said they did not receive any payments. Where did our payments go? Capital One automatically withdrew the agreed amount per month from our account. Our check copies showed receiver is Capital One, the account number, and date. I faxed copies of my bank statements and a copy of the last electronic check to Capital One and the collection agency. How much proof do they need? The collection agency, XXXX XXXX, denied my proof until I receive my settlement letter from Capital One. Capital One is still investigating and said they usually do not call to make settlements. Then they said they received the last payment on XX/XX/XXXX but it got returned so they could not do a settlement letter. According to our records the check was paid and posted to Capital One, because we did not get charged a bank fee and it was electronically withdrawn on the scheduled date on time, which is the XXXX of the month. First they said they did not receive any payment but now they are saying something else. I told them maybe they tried to get an extra amount realizing it was the last payment. I faxed them the copy that the XX/XX/XXXX check went through. Our statement showed no return fees. Everything was paid on time. I need assistance in getting a settlement letter and to correct my credit report.