Capital One Payoff not paid off Internet

No you have taken it completely wrong and really out of hand....We at no point thought it was their duty to bend to our rules,it was literally the wrong dates and was worked out with the person in the phone during the time of the arrangement,what I was getting it in a round about way is the original person and the second person did not do their work and it ended up like this,We were not so far behind that we could not pay the 900.00 dollars so please do not think that we were not taking care of the issue, somewhere in all of the phone calls etc someone did not do their job in documenting the situation and it has led to this and over a 900.00 dollar settlement, they now want another 1400.00, I have all transactions and paperwork except neither of us do not have anything stating that  if it was not paid on the first date that the original agreement was null and void our word against theirs with no proof on either side, anyways after 3 phone call the card should have been closed,and for further reference it was a mistake on or part of the dates of payment by a couple days, managed to look at the wrong month, nothing malicious no reason to screw a big company over 'the 900.00 was paid I have cancelled checks they just never bothered to close the account per the agreement 

Another just shoot me in the head post. Here's a person who is "behind" in their credit card payments. The bank offers to drop $200 off their balance of $1,100(18%) stop any more interest and penalties if the cardholder agrees to a certain payment plan. Because it's not CONVENIENT for the cardholder's pay day, the cardholder wants the bank to change THEIR TERMS. I'm gonna take a wild stab and assume you agreed to the terms when you spoke with them the first time. Kind of like when you AGREED with the bank's terms when you accepted the card. Look at it this way. Twice YOU have agreed to pay them back under certain terms and TWICE you have failed to live up to those terms. Whose really the bad guy here?