"As with any financial transaction, if you are unsatisfied with your purchase, contact the seller to initiate a refund request. If the seller is unknown, you may send the card to PSA for review under our Financial Guarantee of Grade and Authenticity."
Seems like they are trying to pass the buck to the seller, as if the seller in all instances should provide the financial guarantee if the seller is known. So if the seller does not initiate the process for financial reimbursement, what happens then?
This doesn't seem consistent with what they say on their website:
https://www.psacard.com/about/financialguarantee
"PSA guarantees that all cards submitted to it shall be graded in accordance with PSA grading standards and under the procedures of PSA.
If PSA, in fact, concludes that the card in question no longer merits the PSA grade assigned or fails PSA’s authenticity standards, PSA will either:
Buy the card from the submitter at the current market value if the card can no longer receive a numerical grade under PSA's standards or,
Refund the difference in value between the original PSA grade and the current PSA grade if the grade is lowered. In this case, the card will also be returned to the customer along with the refund for the difference in value.
The current market value is determined by PSA, based in part on Sports Market Report and SMR Online values and/or recent prices realized from the marketplace. PSA will be the sole determiner of the current market value."