Here’s a weird edge case that has ended up with Monzo effectively paying me a £55 cash advance (that I will eventually need to pay back).
I’m in Jamaica right now and paid for a tour with the hotel. The first transaction declined and I could see it had declined on their sales device, so I let them charge me again expecting one of the two payments to not be collected.
Next day, both transactions completed, so to allow myself to get a bit of the money back into my account, I Flexed the duplicate payment, then disputed it.
A few hours later Monzo refunded the duplicate payment, but it still lives in Flex as a payment plan, essentially meaning I’ve got the money from the transaction refund plus the ⅔ of the transaction value via Flex.
And yes I definitely Flexed the same transaction that I disputed.
I’m not sure how I expected this to be handled, but it definitely wasn’t like this.
