Disputing with a Custom Charge button against other companies like Amazon UK

We should be able to charge a custom amount of money against other companies.

Example:
Problem)
A) I topped up my Amazon gift card balance from my Monzo bank account (Example: £16.24).
B) I placed an order for an Amazon item (£16.24).
C) The item was not delievered to me. The driver delievered to somebody else and marked the item as delievered.
D) The item was sold and dispatched by Amazon UK, therefore I only have the option of contacting Amazon customer support.
E) Amazon customer support do not issue a refund. I ask many times, yet customer support refuse to issue a refund or find the item and deliver to me.

Solution)
There should be a custom button on Monzo, where I can charge an amount I enter { [1][6].[2][4] } against Amazon UK.
To ‘correctly’ identify Amazon UK, either:
A) I need to send a URL link to Monzo, stating where I ordered the item from.
B) Take a photo of the location (or Google Maps URL) of where I bought the item from.
C) State the company number. Checking the GOV UK website, this is what it shows:

AMAZON UK SERVICES LTD.

Company number 03223028

Note: I do not have Amazon’s bank account details (account number and sort code), so I am unable to identify them like that.

Note 2: Doing a chargeback for the £16.24 gift card top up would not make sense, because I did sucessfully top up £16.24 to my Amazon gift card balance.

Note 3: Amazon customer support, sometimes, can only issue a refund to your gift card balance. For example, if I initially bought an item with my Monzo bank account balance and it had a problem, I may have asked for a gift card balance refund (faster refund- takes seconds upon successful refund initiation by Amazon customer support). Then I place a new order with that gift card balance, and the new item isn’t delievered. I ask Amazon customer support for a refund and they do not issue it, and I can’t do a ‘chargeback’ either (nothing to ‘chargeback’ to).
Therefore that is another situation in which I would use the ‘charge a custom amount’ button on Monzo against Amazon as a dispute.

I’m not sure what you’re suggesting?

There’s nothing to dispute, as far as Monzo are concerned everything happened as it should have. You paid for a gift card which you received. Done, bank is out of the picture.

You need to pursue this with the company that provides the gift card and/or the seller.

If you make a card transaction, accept a refund as a gift card and then again as far as the bank is concerned you received what you paid for / wanted.

You’re asking for a bank to take on consumer advocacy for anything that may be tangentially linked to their customers. Where does it stop?

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A new one for 2025 @N26throwaway

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This is perhaps a chance to acquaint yourself with consumer protection rules and where and when a financial intermediary can get involved.

(Hint: it’s not in a situation like this.)

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Have I understood this correctly?

You want to unilaterally take money from a company’s bank account because you have a dispute with them.

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I’d love this feature.

I’d charge Google £100,000,000,000 and get interest while they figure out where the money has gone and go through the process of getting it returned.

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Tread carefully!

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