Neg balance after dispute

[serving]

This is my first time ever having a dispute on a credit card. My card was used two months ago to buy a diving class and equipment. I disbued the charge and Capitol one gave me the money back instantly. I got a letter in the mail stating the money was recoved and the dispute was closed. 10-15 days ago I recieved a refund from the merchant. Now I have a neg balance. 

I called capital one and they said they recoved the money from the vendor in full then they did a refund by themselfs. 

So now I have a neg $400 balance, what do I do? I want to keep using the card to keep my utilization going but if I spend  the 400 on the card to get a balance to report I'm afraid they will take away the double refund and screw my uti. 

[09Lexie]

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@serving wrote:

This is my first time ever having a dispute on a credit card. My card was used two months ago to buy a diving class and equipment. I disbued the charge and Capitol one gave me the money back instantly. I got a letter in the mail stating the money was recoved and the dispute was closed. 10-15 days ago I recieved a refund from the merchant. Now I have a neg balance. 

I called capital one and they said they recoved the money from the vendor in full then they did a refund by themselfs. 

So now I have a neg $400 balance, what do I do? I want to keep using the card to keep my utilization going but if I spend  the 400 on the card to get a balance to report I'm afraid they will take away the double refund and screw my uti. 

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You received two refunds?

[serving]

Yes A refund/balance adjustment from Capitol one. Then a refund from the merchant after the dispute was closed. 

[lg8302ch]

if you paid already and got a refund then it will be a negative balance but if you did not pay the charge it should just level out.

now to the question:

.. negative balance with Cap1 they will mai a check to you. And they even do it for any amount.. I have the bad habit of rounding up my payments to the next 5$ and this is a big mistake with Cap1...they send me checks for 1.07$  .... I have to stop rounding their payments!

[user5387]

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@serving wrote:

Yes A refund/balance adjustment from Capitol one. Then a refund from the merchant after the dispute was closed. 

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If the money has been refunded twice, then I'd contact Cap One and explain this to them, and ask them what to do about it.

[maiden_girl]

Cap one will figure it out and recharge your account accordingly. It sounds to me that you disputed the charge of 400. Got a refund from capone for 400 and the merchant for 400. Call cap one to fix the error.