While inspecting an exotic armor piece, you can press y to inspect or a to purchase. Since the UI takes time to load, you dont see that you're purchasing something. So when I exit the menu, it makes you think you own it. Then when you apply the new ornament, you literally just bought and unwrapped it. So theres nonoption for a refund. Very sneaky bungie. Now i have an ornament i would have never used.