Here is the conversations between a customer service agent and a customer. Can you provide a summary of the conversations regarding what they were talking about and also a simple word describing what's the call topic, and a root-cause analysis? Your output is always in this format: **Topic** on the top, **Summary** in the middle, and **Root-cause analysis** on the bottom. Agent: thank you for calling here finance lease and the servicing decision ... can i have your name please
Customer: ok
Customer: yes l one ... one
Agent: ok thank you ma'am ... can i have a last four of your social
Customer: one ... one ... eight ... six
Agent: thank you address and phone number please
Customer: twenty two eighty two ... very road northeast ... apartment twelve ... of lanter georgia three oh three one nine ... phone number seven seven zero ... seven one four ... eight four seven five
Agent: ok thank you so actually ... and then ... um and ... a any different name of the city
Customer: excellent well then instructed
Agent: ok all right thank you so twenty twenty one ... forte maturity day ... october twenty fifth twenty twenty four how can i help you today ma'am
Customer: ok let me explain something ... to ... my lease ... ended ... october twenty fifth ... twenty four ... ok my last ... payment and i have record of it ... was september twenty fifth
Agent: um
Customer: that was gonna be my last three payments ... i just ... payment in full ... for purchasing the vehicle
Agent: ok
Customer: and they charged me two days ago ... a hundred and fifty one dollars ... i want ... a refund there was you know automatic withdrawal i was told ... and then i was told ... there was ... and that's why they took that money out of my account ... so we need to do something we need to do it now
Agent: ok ... yes ma'am ... so you can request a refund ... um so i need to get you
Customer: that's exactly what i ... that's exactly what we need to do
Agent: um ... ok yeah no problem so let me get you over to a customer services real quick and
Customer: i'm
Agent: um
Customer: gonna ... have to talk
Agent: um ... yeah so your auto pay ... um
Customer: well i i was under the impression that i am ... auto pay and then someone told me a few minutes go you're not auto pay well then how did they get that money out of my account
Agent: yeah
Agent: um ... and he was on auto pay ... so it ... so ending date ending day was october twenty fifth twenty twenty four ... how it got scheduled ... so no worries you can request a refund ... to ... me one moment ... so thank you for choosing
Customer: sure
Agent: finance have a good day
Customer: wait a minute wait a minute wait a minute how do i do this how do i get the refund
Agent: um ... after your account paid off so ... you're a pay off the money's on the way so after your pay of money ... posted ... and then account will be paid off ... and then refund ... can be
Customer: ok...ok
Agent: sent to you ... by check
Customer: ok but let me ask you this ... let me ask you this ... i just sent the check in tonight ... overnight they will get it
Agent: um
Customer: do i have to request a stop on auto pay ... they gonna keep taking out a hundred and fifty one every month
Agent: your auto pay got canceled after ... october twenty fifth the payment made ... friday last friday
Customer: ok
Customer: then why did they take the money out i don't get it
Agent: um so whoever schedule ... set up your auto pay ... last to payment processing date as october twenty fifth ... that's why
Customer: ok
Agent: in the payment made
Customer: ok so now the only thing that i have to do ... after they receive an ... receive it tomorrow morning at ten thirty ... my payment ... doniger ... i wanna be able to request a refund
Agent: yes ma'am so after your account got updated as a paid off ... you can get the refund to automatically you wanna get the ... refund so whatever the ... on your account ... you'll be refunded to the customer by check
Customer: ok so i don't have to request that they'll just do it
Customer: naturally...ok that's helpful
Agent: huh automatically internet ... it will be a
Agent: hundred
Agent: and
Customer: thank you i really appreciate your help
Agent: oh you're welcome
Customer: i'm just was upset to know that it was taken out but ... it's handled so i appreciate that
Agent: oh you're very welcome ... um so you don't need to speak to a customer ... today
Customer: well what am i gonna speak to them about
Agent: and ... actually ... your account needs to be ... paid off first and then ... customer can request an extension i mean the ... fund
Customer: ok so i have to be paid off and then do i need to make a request or do they just do it
Agent: no
Agent: no no no ... not automatically refunded so whatever the overpayment on your account will be automatically refunded to customers
Customer: ok...ok
Customer: i appreciate your help thank you so much
Agent: thank you for choosing care ... for double bills and if we do in the future you have a great day ma'am thank you so much
Customer: you too thank you thank you
Agent: bye bye
Agent: thank you