Recently an online shop attempted to charge me £600 and it was rightly rejected.
Later on the same shop tried to charge me the same amount again and succeeded sending my balance to -£600 unarranged overdraft making me not so happy bunny. I was already unhappy with the shop, now I’m also unhappy with Monzo for authorizing this.
Why the first time the transaction was rejected but the second time it succeeded? How does that work?
I placed an order on-line for that amount and paid with Monzo.
A week later that amount was refunded - no reason given. I assumed the shop cancelled my order, their website was showing the item was OOS, and purchased an alternative elsewhere.
A week later they attempted to charge me again and were refused.
Then two days later they tried again and this time got hold of the money sending me into an unarranged overdraft.
From what you are saying I gather that merchants have this trick up their sleeve (a pre-auth) that makes it possible for them to claw from my account whatever they want despite no funds and Monzo cannot prevent that. Is that correct?
How do I tell if the transaction is pending? The app does not communicate to me that the transaction is pending, it doesn’t say this amount has been earmarked in any way, it shows it’s gone. I think momentarily there was also a message saying that I’m now using an unarranged overdraft.
If I go to the details of the transaction it shows 2 payments with this merchant, with total spent equal to 2 x £600.
This is pretty rubbish that my ‘wallet’ is temporarily used for some payment flow shenanigans. It’s like “here, hold this money for a minute while we are are trying to open the till, and let’s pretend it’s a refund but it really isn’t”…
The merchant was Lenovo. The payment was made on 1/01, it was refunded on 9/01, on 14/01 they tried charging again (refused), and 16/01 they tried yet again and this time breached Monzo’s defences.