First thing I do w/all accounts I cancel is, take copious notes. I'm sure the reps know b/c they can hear me click-clacking away as I repeat back what they say. Plus I make a very strong point to catch their names and repeat that back to them too.

W/my notes from Jan in hand, I call back and ask for a credit. This is where my past work experience comes in handy.

@ that job, people would call in to cancel the service, or sometimes forget. A few months would go by, they'd get a bill w/charges and dispute it w/their credit card company who did a chargeback to the company. My job was to recover the money by proving either the customer didn't cancel or was still using the account when they said they stopped.

A few more months would go by and we'd get a report on what monies we recovered and what the customer won back.

If it gets this far w/me, I need to show Capital One I cancelled, didn't use the account and got a verbal confirmation from Jan @ the 22nd @ 2 pm when I asked, "Will I be charged again?" "No." "Let me be clear, the only charge appearing on this account is from December 22nd correct?" She replied, "Yes."

W/my notes in hand, I call PeoplePC to ask for a credit. The first rep I spoke to hemmed and hawed over whether or not she could do it. When I said, if you can offer me one month free to keep me, you can give me a credit. She sighed, said she had to escalate the call and either purposely, which I believe, or mistakenly, hung up on me.

Fuming, I called back.

This time I get a guy, explaining to him what happened, right away I say, "If you can't do it, transfer me to someone who can. I was already hung up on and am not in a good mood".

Side note, this isn’t the rule, but another thing I learned working in and having lots of friends who worked customer phone service, the majority of males don't care and will do whatever the customer wants just to get them off the phone.

This guy said he'd refund the charges. First he had to reopen the account. That made me uneasy, but he said he can't process a refund on a closed account. Fair enough. Then he gave me a case # and told me he pushed back to the next billing till March. This give me enough time to get the credit 7-10 business days, and call back to cancel, which he kept stressing I do so I don't end up in a vicious cycle of getting charged, getting credit, waiting for the credit then getting charged again.

On my end, I need to check my Capital One Visa account by February 9th to see if the credit has been processed and if it has, cancel PeoplePC. If it hasn't, well I have another host of phone calls to make.

Is all this hassle worth $5.47?

Yesssssssssss

If they want to keep my money, big a corporation as they are, I want it back.