Debt Collection Dispute — Apple Pay dispute with merchant

Quick background on my situation — any input appreciated.

Apple Pay dispute with merchant. I've been dealing with this for about 6 months now and the situation isn't improving.

The amount being held/disputed is approximately $2,885. I have tried contacting customer support 9 times with no resolution.

What's the typical outcome in situations like this?

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.

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.

Attorney here. Here's my take on the legal issues.

Based on what you've described, you likely have a viable claim under Regulation E. The standard is whether a reasonable person would find the conduct an unauthorized electronic fund transfer.

One important thing — there are strict deadlines for filing these claims. Don't wait too long.

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

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

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

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

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

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 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.