Two million Capital One credit card customers will get refunds and Capitol One apologizes because of what the Consumer Financial Protection Bureau calls deceptive marketing practices. If you are due a refund, it will automatically be sent to you. In a settlement with the CFPB the bank agreed to pay about $150 million dollars to customers talked into buying credit card add-ons.

CFPB Director Richard Cordray said, “Customers…were pressured or misled into buying credit card products they didn’t understand, didn’t want, or in some cases, couldn’t even use.”

From August 2010 to Janaury 2012 sales people representing the bank targeted consumers with low credit scores, or low credit limits. The CFPB said some were told that buying payment protection or credit monitoring would improve their credit scores and increase limits on their Capital One cards.

In addition, some were told they had to buy the add-ons to get information about it, others were misinformed about the cost and thought it was free, and others were simply enrolled in the extras program without being told.

Capital One says, it hired outside venders to sell, “Who did not always adhere to company sales scripts and sales policies for Payment Protection and Credit Monitoring products, and the bank did not adequately monitor their activities.” Ryan Schneider, President of Capital One’s Card business said, “These marketing calls were inconsistent with the explicit instructions we provided to agents..” He also said, “We apologize to those customers who were impacted are committed to making it right.”

If you’re a Capital One customers and fall into this group, you’ll receive a refund on your credit card. If you’re no longer a customer, the bank will send you a check. Capital One says customers will begin receiving refunds later this year, and the CFPB says you should not have to do anything to get the money.