Debt Collection Dispute — Etsy holding funds for 45 days

Has anyone dealt with something like this? I'm not sure what my options are.

Etsy holding funds for 45 days. I've been dealing with this for about 11 months now and the situation isn't improving.

The amount being held/disputed is approximately $18,924. I have tried contacting their legal department 10 times with no resolution.

What are my legal options here? Is it worth pursuing?

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.

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

NAL, but from what I've read, you should file a complaint. That said, definitely get a lawyer to look at the specifics.

I went through almost the exact same thing.

In my case, it took about 1-3 months to resolve. The key was escalating to a supervisor/manager.

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.

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