I ordered something from Amazon to the wrong address by accident, so I immediately cancelled the order. Amazon put an authorisation on my Monzo account for £99 when I made the order, and then didn’t take the money (since the order was cancelled).
Amazon’s cancellation email just said “you’ll only be charged for items that have been dispatched. You won’t be charged for any items that are cancelled from an order”.
But in the Monzo app it looks exactly like they charged me £99. So I’ve been contacting Amazon asking for a refund. That’s been frustrating! They’ve only just managed to explain that the “payment” isn’t a payment and that it’s Monzo’s responsibility to get rid of the authorisation when they see fit.
Meanwhile that £99 has been unavailable to me for a week.
Now that I know what the problem is, I’ve been able to figure out that Monzo will reverse unclaimed authorisations in 8 days, so the situation will resolve itself tomorrow hopefully.
Adding some kind of indicator in the Monzo app that a transaction is only an authorisation, and then notifying (or at least indicating) when the vendor takes the money, would be very useful to try and make sense of this kind of thing. Turns out that if you click all the way through to “something wrong with this transaction?” it explains the situation, but I had assumed the “something wrong” was on the Amazon side so I hadn’t looked there.