Crypto Exchange Dispute — Apple Pay dispute with merchant

I'm in a difficult situation and trying to figure out my next steps.

Apple Pay dispute with merchant. I've been dealing with this for about 14 months now and the situation isn't improving.

The amount being held/disputed is approximately $960. I have tried contacting their legal department 2 times with no resolution.

What are the risks if I pursue this? What's the likely timeline?

I work in this industry and unfortunately this is very common. The good news is that when people actually push back with legal representation, companies usually settle.

I've dealt with this before.

What worked for me was escalating to a supervisor/manager. It took 1-3 months but was worth it.

I've dealt with this before.

The biggest mistake people make in this situation is escalating to a supervisor/manager. I'd recommend following the formal complaint procedure instead.

Not a lawyer, but I have direct experience with this.

What worked for me was filing with the appropriate government agency. It took 4-8 months but was worth it.

I practice in this area. Here's my take on the legal issues.

The legal framework here involves both federal and state law. At the federal level, state consumer protection laws. Your state may provide additional protections.

Before taking legal action, consider sending a formal demand letter. In many cases, this alone resolves the issue.

Following this thread — I'm in a very similar situation. Would love to hear how it turns out.

Been there. Here's what I learned.

What worked for me was hiring an attorney to send the initial letter. It took 2-4 months but was worth it.

Just want to point out — the statute of limitations might be a factor here. In some states it's as short as 1-2 years. Don't sit on this too long.

I've dealt with this before.

What worked for me was escalating to a supervisor/manager. It took 1-3 months but was worth it.

I had a similar issue and ended up consulting with an attorney. It was worth the $200-300 for the initial consultation just to understand my rights.

Not a lawyer, but I have direct experience with this.

In my case, it took about 2-4 months to resolve. The key was hiring an attorney to send the initial letter.

Been there. Here's what I learned.

The biggest mistake people make in this situation is escalating to a supervisor/manager. I'd recommend following the formal complaint procedure instead.

I went through almost the exact same thing.

In my case, it took about 3-6 months to resolve. The key was having everything documented.

Been there. Here's what I learned.

In my case, it took about 2-4 months to resolve. The key was hiring an attorney to send the initial letter.

I've seen this play out several times in my field.

What worked for me was having everything documented. It took 3-6 months but was worth it.

Have you tried reaching out to your state's attorney general? They sometimes have free resources or mediation services.

This happened to me too. Have you tried filing a complaint with the relevant agency? In my case they investigated and it got resolved without needing a lawyer.