Hi there Aquagreenbee,
To be honest, it's very hard to know exactly why the original payment was refunded back to your account in the first place. Have you tried checking what type of payment was sent to your seller when you sent the original bank funded payment to them? Was it an instant bank transfer or an eCheck payment?
If it was an eCheck payment, the funds would have been placed on a 'Pending' status until they complete processing from your bank account between 5 and 7 working days after you send the payment. Then the funds would be released to your sellers account. Your seller may have cancelled the payment as it wasn't instant. And an eCheck payment may have been sent if you had no credit or debit card on your account or if your card was due to expire soon.
If the funds were sent as an instant bank transfer, I can't think of any reason as to why the payment would have been cancelled after you sent the payment.
I hope this helps and if you need any further assistance please let me know .
David.
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