Debt Collection Dispute — ACH payment reversed after goods shipped

Looking for advice on a legal issue. Here's what happened.

ACH payment reversed after goods shipped. I've been dealing with this for about 6 weeks now and the situation isn't improving.

The amount being held/disputed is approximately $13,019. I have tried contacting customer support 6 times with no resolution.

Has anyone been through something similar? What worked for you?

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.

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

There are several legal theories that could apply here. The strongest is probably the EFTA, which requires showing timely disputed.

The practical consideration here is cost vs. potential recovery. For disputes under $10K, small claims court is often the best route.

I've dealt with this before.

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

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

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

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 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.

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

I went through almost the exact same thing.

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

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.

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

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.

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

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

I've dealt with this before.

I ended up having everything documented, which cost about $3-6 but saved me a lot more in the long run.

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.