Unauthorized debit from Mac and Things!!!

I am writing to formally dispute a transaction related to a Shein purchase from September 2024 and request urgent clarification regarding a recent debit for the same amount under the merchant name "Mac and Things."

Background of the Issue:

22 September 2024 Purchase:

I made a purchase from Shein, and my available balance was deducted at that time.

I received an inContact notification confirming the transaction.

Shein’s order tracking system shows "Payment Received" and never indicated that the payment was pending or unsuccessful. At no point was I informed to check with my bank about a failed payment.

My order was processed within four days and delivered on time, further proving that Shein received the payment.

Missing Statement Entry & No Reversal:

Despite my balance being deducted in September, there is no record of this transaction on my bank statement.

If the payment was placed in an authorization account, as per FNB response, it should have either:

1. Reflected on my statement as a pending charge, followed by a reversal.

2. Been settled at that time if the merchant finalized it, using funds in the authorized account and not re-debiting my account.

However, neither of these happened, which is highly concerning.

Recent Debit (10 February 2025) Under “Mac and Things”:

My account has now been debited again for the same amount.

I was informed that Shein never collected the funds in September and only finalized the transaction now.

However, this raises serious questions because my balance was already deducted in September, and Shein acknowledged receiving the payment at that time.

Concerns & Questions:

1. Why was the 22 September 2024 authorization not reflected in my statement, even though my balance was deducted?

2. If the merchant never collected the funds, where was my money for the past few months?

3. Why was there no reversal recorded when the authorization expired?

4. How can I be sure this is not a duplicate transaction or an unauthorized reprocessing? What proof can you provide?

5. Did Shein (or "Mac and Things") process the payment incorrectly, or was this an issue on FNB’s side?

6. If Shein had not received the payment, why did my order tracking never indicate a failed transaction?

Request for Immediate Action:

1. Provide a full transaction breakdown for the 22 September 2024 purchase, including authorization details and final processing.

2. Clarify why the transaction never appeared on my statement and whether this is a system issue.

3. Confirm whether this new deduction is legitimate or if I have been incorrectly charged again.

4. Reverse any duplicate or unauthorized charges.

I request an urgent investigation into this matter. Please provide a response within 24 hours. Case Number: ***

Thank you for your prompt attention. I look forward to your response.