Capital One Fradulent, took all my money when I only authorized a payment of $15, unhelpful Salt Lake City, Utah

On 1/11/12, I called and used the automated system to pay the minimum payment of $15. Today, 1/12/12, I woke up to find my bank account negative over $300. To my surprise ,I found out that for some reason Capital One paid off my balance in full which I did not authorize. I called Capital One only to be told that it would take 5 business days to refund me my money which, for me, is unacceptable considering it was their mistake. We have a newborn baby that we need to buy formula for and we can't do that with a bank account that is negative $300.

It's not like Capital One even cares though. There should be no problems with me faxing them my bank statement and they refunding me immediately but according to the supervisor, she cannot do that. I call BS on that
one. I will be cancelling my Capital One card and never getting any form of credit from them again!  They are frauds and scam artists!!!