I don't think I'd be screaming fraud either, as it simply could be a mis-measurement on the seller's part. But with that being said, I would say this is about integrity. It's not like the purchaser received the item and then decided the size was wrong, she specifically sought out a certain size saddle, and if the seller was wrong in measuring it, they should do the right thing and take the saddle back. If you purchased say a pair of pants from a reputable online vendor in a size 27 and they sent you a 28, they would replace them with the correct size or refund you if they didn't have a 27.
Like others have suggested, if it was purchased through e-bay, or with PayPal/ your CC, I would put the pressure on with those resources. Sure you could turn around and try to re-coup your money, but what an incredible waste of your time and efforts, with no guarantee of recovery, because the seller has no integrity. Just walking away is enabling this seller to continue their dishonest sale tactics, if not for you, do it for the next buyer that crosses their path!
So here's the problem with that (and one reason I'm getting sick and tired of Ebay): So, the buyer can SAY anything. I state in my auctions that there are no returns, just for that reason!!!! Say I didn't pay attention to the 20 pictures the seller posted--I just don't like the color of the back, or some stupid cosmetic thing I don't like. All I have to say is "ITEM NOT AS DESCRIBED!!" And Ebay will back me, and screw the seller over! Look it up: there was a famous case recently about this guy who got screwed over an iPhone....turns out the BUYER was commiting fraud, and had done it to three or four other sellers!
He'd buy these expensive electronics, say "Item not as described"...get his money back, ding the seller, and he'd KEEP THE ITEMS!
Now, for that, for buyers remorse and many other reasons, I say "no returns". You'd think that would deter people, and maybe it does...but trust me, there are other buyers, like one idiot, complaining from day 1 about stuff *before the item even shipped*, pays late, gets the item, says it's the wrong size (I stated clearly the measurements of the item, which were on the PICTURED TAG even if I hadn't!), and what? Do you want your money back? It's not my fault you can't read! I am honestly not trying to screw people over, but at the same time, I'm not shipping stuff to people so they can look at it, see it, make it dirty, then TAKE MY MONEY to ship it back to me in unsaleable condition.
If I sound frustrated, well, I am not a mega seller. I'm not Walmart! I take a very direct hit to my wallet when people are unscrupulous!
It would be a different story if the item was really different than described. As you all know, saddle fit is really not one size fits all...you have no idea how many people email me "so um, will this saddle fit my horse? Like is this saddle for a high withered skinny minnie, or would it fit a QH?"
How the heck should I know?! I'm not an expert, that's also stated in auction, as are pictures and measurements...go get your horse measured, and know before you bid! UGH!