Capital One Credit Card Complaint

Capital One Credit card department,

Credit card protection / Debt protection California

In response to Capital Ones ' solicitation letter for home refinancing, I called them up and asked loan programs they have. I expressed my interest in one of the programs and asked them to send the application. They asked my credit card number to proceed. I hesitated to give, but agent said " no charge '', " no charge '' " no charge ' number of times. Since I did n't sign the application yet, I assumed it will be O.K. with such a big company, so I gave them my card number. Next day I receive application forms. But before I sign I received a better offer from another company, so I cancelled the application to Capital Ones the next day. However, when I received my credit card statement later on, I found they charged $450.00 commitment fee which I can not accept. At no point the agent made me understand that just giving the credit card number is an acceptance of the offer and I am subject to any commitment fee. Who would accept that kind of offer in the world unless the person is a stupid or crazy. I think this is a typical example of credit card abuse or cheating to an innocent customer. I think U.S. is lawful country and I sincerely hope you would help me to resolve this kind of nonsense.