Double charges for refunds

[9oakshandmade]

Yesterday I sent 10 cancellation/refunds to a person that purchased multiple duplicate items in my shop. 
My debit card was charged each time because there were zero funds in my payment account (I’m on a daily deposit).

My payment account was fine. However, when I went back this evening my payment account was negative! Each and every one of those transactions was also charged to my payment account. 
When I reached out for help last night the Etsy “help” (not helpful at all, Etsy do better) kept trying to gaslight me and tell me I wasn’t double charged. Here I am looking at my bank account and my Etsy account and both have been charged. This is wild. I have no idea what to do or even who to contact because whoever I reached out to last night in technical support was less than helpful. 

[quiltpanelsforyou]

Are the debit charges pending? They will reverse to $ 0.00 if you had enough in your shop payment account to cover all of the refund(s).

[9oakshandmade]

I explained above that there were no funds in my payment account which was why my debit card was charged.

I was also charged on my payment account.

[HazelsSewingSupplies]

Again, are the debit charges pending?

[9oakshandmade]

No. They cleared my bank account overnight. My Payment Account is still negative as well. 
Etsy support just keeps trying to gaslight me and tell me I haven’t been double charged when I have. I have an accounting background. I’m not stupid and I know how the payment account works. I’ve never had this happen before and I’ve process refunds many times over the years. 

[BagmakerSupply]

@9oakshandmade: Normally the way that the bookkeeping looks is that all the refunds are debited from your payment account and then the credit card payment is a credit which brings the effective payment account balance to zero for that order.

[9oakshandmade]

It’s actually really weird because the card payments went through and my payment account didn’t get wonky until much later in the day. Like delayed accounting or something. 

[CraftyCornishMaids]

everything is reversed in the payment account, to make things balance out

and if there is then anything owed, it is taken from the card on file

[9oakshandmade]

No. My card was charged first because my payment account was zero, then my payment account was charged and put into negative. 
I understand how accounting works. This isn’t it. 

[WitticismsRus]

Give it another day or 2, refunds look weird for like 2 or 3 days until they complete processing. It isn't instant and your payment account will look off for a couple of days and it may appear that you were charged twice. It will all balance out properly when it's done processing.

[9oakshandmade]

Except this isn’t a solution to bad accounting. 
I want to know why people are being double charged and being told by Etsy they aren’t. 

[CraftyCornishMaids]

If you refunded to a usa seller, they have a couple of days to decide whether they want a refund by card or etsy voucher

The refund isn't completed, until they choose, or the time is up

there is no double charging

[9oakshandmade]

Quite frankly that’s terrible accounting. 

If my debit card is charged then that should be that.

But Etsy is going to hold my money in my bank account -and- my payment account simultaneously while a buyer decides (or doesn’t) for 48 hours? That’s wild, but that’s what happened.  
Here’s my issue, at no point did anyone at Etsy support acknowledge that’s what was happening. If they had at any point actually explained what was going on instead of trying to tell me my payment account wasn’t being debited alongside my debit card there would have been no issue at all. 

[BagmakerSupply]

@9oakshandmade: "... at no point did anyone at Etsy support acknowledge that’s what was happening."  That is because no one at Etsy explained it to support or included it in their script books. Sellers only know from personal experience.