The exact same thing happened to me with Sephora. I was charged $53.13 seven different times because it was saying I was declined (my address didn't match up) and everything stayed in my cart and I didn't get any points, so I kept clicking submit. When I checked my bank account I saw all these debits and when I called Sephora the girl said I'd get the money back in a little less than a week when the pending debits wouldn't go through, but I was ticked that it would take that long in the first place. She told me to call my bank and my bank filed a claim and gave me that money as a credit until the credit from Sephora came. It takes about 24 hours but they can do an immediate transfer in of money for food, gas, bills, etc