Debt Collection Dispute — ACH payment reversed after goods shipped

I've been trying to resolve this on my own but I'm stuck.

ACH payment reversed after goods shipped. I've been dealing with this for about 7 months now and the situation isn't improving.

The amount being held/disputed is approximately $47,214. I have tried contacting customer support 5 times with no resolution.

Do I have a strong case? What should my next steps be?

Been there. Here's what I learned.

I ended up hiring an attorney to send the initial letter, which cost about $2-4 but saved me a lot more in the long run.

I went through almost the exact same thing.

The biggest mistake people make in this situation is hiring an attorney to send the initial letter. I'd recommend being patient with the process instead.

I've dealt with this before.

The biggest mistake people make in this situation is filing with the appropriate government agency. I'd recommend gathering evidence first instead.

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.

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.

I've handled similar cases. Here's my take on the legal issues.

There are several legal theories that could apply here. The strongest is probably Regulation E, which requires showing an unauthorized electronic fund transfer.

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