Every once in a while customers complain that they are seeing "unauthorized" credit card charge(s) on their bank account. Customers attempted to place an order online, and the credit card declined for some reason but the bank account of a buyer shows that the charge went through. We (the merchant) look up our payment gateway and see multiple "declined" transactions. Customers ask us to remove the charge(s) for those transactions that were never approved in the first place. So, what is going on here? Let's start out with the customer's question and the merchant's response.