So since I reported this over a month ago, still no one from Monzo has been able to explain why a transaction in a shop could be retroactively changed, on the same transaction feed item, to a higher amount.
A complaint was raised (which I didn’t ask for) to a specialist team who were going to look into it and get back to me with a “final response” (language which I find initiates a feeling as though I have done something wrong ).
They got back to me weeks later, and addressed the other part of my query (duplicate transactions - which I still don’t really understand) - but still didn’t address the issue of a transaction value changing (a normal in-shop Tesco purchase, not a pay at pump scenario, or a foreign transaction settling at different exchange rate etc). I was given £30 from Monzo due to the duplicate issue - I wasn’t after any money and would have been happy with just an explanation and what to do moving forward.
I have been back and forth with c-ops since, and keep being told it will be escalated and someone will get back in touch, but nothing happens. Last Friday morning I was told it was being escalated to another specialist, but hadn’t heard anything as of this afternoon, so sent another message and was told again from the c-op that it would be escalated and someone would be in touch “within the next few business days”.
I feel stupid in some ways making such a big deal about a transaction changing from £2.70 to £3.05 - a small 35p increase. But it is the fact it could happen at all which has alarmed me, and I am still none the wiser as to why.
I wonder if payments wiz @Rika could possibly check this out?
As I have explained previously, I was alerted to the change in transaction value as my feed showed a £3.35 transaction which normally are nice round numbers as I have round up on. Drilling into the transaction shows £3.05 plus 30p round up - which makes no sense. 30p round up was on top of a £2.70 transaction (which initially showed correctly), and you can see in the screen shot from Apple Wallet (it was an Apple Pay transaction), that as I already knew, it was a £2.70 transaction, not £3.05.