Complaint Review: Capital One Bank USA NA

I recently check my credit report on Credit KArma and noticed a account with Capital One that I was not aware of. I had a capital one card that was in collections and had received notices to pay off, but it was for a minimum amount. This account is maxed out to close to $13,000. The crazy thing is the payments are up to date. I have gradually been working on old outstanding bills and knew I was getting to place of being out of debt. So it makes sense now why I couldn't get approved for credit and why I'm offered such high interest rates. This Crazy. How can people do this