Hotel Chocolat Double Payment

Moonwolf

Hi

I have an issue that seems surprisingly awkward to resolve.  For reference my bank in this case in Monzo.

I bought a gift in Hotel Chocolat in store contactless, the charge showed as a different branch to the one I used but I see that occasionally.

Five days later a second charge for the same amount was taken, this time showing as the branch where I had made the first purchase.  This meant I had paid twice.  As the second charge was made on a day I was at home with my card I challenged it on my banking app, Monzo reversed the second transaction and replaced my card in case it was fraud.

Then a week after that Hotel Chocolat credited my account with the same amount.

So now I two credits which means I haven't paid for the gift I bought.  

So:

How have Hotel Chocolat made two transactions, have they kept my card details?  If it was a  fraudulent transaction by a third party how did they know to credit me?

As I haven't paid for my goods, have I committed some form of fraud, how do I fix this and did I do anything wrong?

Aylesbury_Duck

You haven't committed any fraud, don't worry.  Contact the retailer and let them know what's happened.  They may ask to re-charge you or they may simply thank you for your honesty and let it go.

I don't know precisely what's happened, but it sounds like some sort of glitch that was later corrected, and your Monzo challenge "overtook" the retailer's own correction,

Cloth_of_Gold

Aylesbury_Duck said:

You haven't committed any fraud, don't worry.  Contact the retailer and let them know what's happened.  They may ask to re-charge you or they may simply thank you for your honesty and let it go.

I don't know precisely what's happened, but it sounds like some sort of glitch that was later corrected, and your Monzo challenge "overtook" the retailer's own correction,

I think that this is an excellent answer.

born_again

Or contact Monzo & advise them.
If they do a fraud chargeback, they could end up redebiting anyway.