Title: Frustrating Duplicate Debit and Slow Refund Process — Need Faster, Clearer Communication from Capfin

I’ve been with Capfin for over 3 years and until recently was happy with the service. Two weeks ago I missed a payment due to insufficient funds, and we arranged a payment plan. Unfortunately, Capfin processed a duplicate debit from my account. I was told I would receive an SMS confirming a refund within 3 working days, but four days later the funds had still not appeared. When I followed up, I was asked to send proof of payment, which I did. I was then told to wait another 3 working days, and I hadn’t received any clear communication about the required steps earlier. The process has been slow and frustrating, with unclear guidance and delays in refunds. I’m seeking a swift resolution and better communication going forward.