If they're both Capital One that are both on your name, you should be able to contact Capital One and get the refund.
Unless one is an account that is no longer in your name, but is still an active account in someone else's name (like a corporate card where they just removed you as a valid user.) In that case, THE MONEY WASN'T YOURS, it was the company's. Or if you were the second cardholder on a joint account with a now-ex-spouse. Again, legally that wasn't yours, it was your now-ex-spouse's. So they should get the refund. If you paid the actual-accountholder (company/ex/etc), then your recourse is to get the money from them.
This isn't Apple's fault. It really isn't. It's your split payment, and (really) unreasonable request to refund to something other than original payment method.
And no. Splitting payments is somewhat common. But asking for refunds to be paid back any means other than the same split payment IS suspicious. It's a common means of fraud. Split payment between personal and corporate, where your company paid some, then refund it, asking for it all to go back to your personal, thus netting you the money your company paid toward it. That can even be tax evasion, and get the company in trouble!
From the replies to this thread, you should be able to plainly see that what you were asking *IS* uncommon, and asking for it *DOES* put you "in the wrong" in this case. Yes, the Apple reps could have handled it better, and made that more clear to you. But the actual outcome is not Apple's problem. It's yours. Multiple people have told you what you need to do to rectify it (contact whoever has the account and ask for the money.) There is nothing else to be done - there is nothing else (reasonable) Apple would have done to change the outcome.
