Capital One - Problems with a CAPITAL P!

I am totally frustrated with Capital One! My husband has an account with them that happens to be in his name only. We are pretty diligent about paying this card on time. The payments are pretty low and we would like to keep it that way. A couple of months after we got the card we had an issue where all of a sudden a bunch of past due charges showed up out of the blue. Luckily I keep meticulous records on when I pay things, how much and the confirmation number. So I call to find out what is going on, my husband of course had to authorize them to speak with me, we were able to fix the problem and the erroneous charges were removed. Then 2 months ago I paid the bill on the due date, and a few days later found that we had both an overdue fee and an overlimit fee. I again called, again my husband had to authorize them to speak with me. I spoke to the first agent and she said there was nothing that she could do, she was very snooty and rude. I asked to speak to a supervisor who argued over when I had paid with me. He also told me there was nothing that he could do, that his "system" would not allow him to issue a credit for the charges. He also at one point was laughing at me. I asked to talk to his supervisor. She was wonderful, she issued the credit without a problem and the call ended with me having a positive view of Capital One. Last month I made sure that I paid the bill several days in advance and there was no problem. This month I was sick and did not pay the bill until the day that it was due, and once again I have a past due charge. GRRRRRR! So again I have to call and get it corrected the only problem is that my husband has to be here, because for some reason they can't manage to make a note of the fact that he has authorized me as someone who can make changes and call about issues on this account. It is extremely frustrating! I just don't understand why or how I can be charged past due fees when I make the payment on the due date! It just doesn't make any sense. At any rate I get to have another chat with Capital One agents, lets hope this time I get some one with a BRAIN! Or at least a heart!