Quick background on my situation — any input appreciated.
ACH payment reversed after goods shipped. I've been dealing with this for about 10 weeks now and the situation isn't improving.
The amount being held/disputed is approximately $10,622. I have tried contacting customer support 6 times with no resolution.
Do I have a strong case? What should my next steps be?
NAL, but from what I've read, you should document everything. That said, definitely get a lawyer to look at the specifics.
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.
In my case, it took about 4-8 months to resolve. The key was filing with the appropriate government agency.
I've handled similar cases. Here's my take on the legal issues.
Based on what you've described, you likely have a viable claim under state consumer protection laws. The standard is whether a reasonable person would find the conduct unfair or deceptive.
The practical consideration here is cost vs. potential recovery. For disputes under $10K, small claims court is often the best route.
Following this thread — I'm in a very similar situation. Would love to hear how it turns out.
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.
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.
I've dealt with this before.
In my case, it took about 2-4 months to resolve. The key was hiring an attorney to send the initial letter.
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.
Not a lawyer, but I have direct experience with this.
What worked for me was hiring an attorney to send the initial letter. It took 2-4 months but was worth it.
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.
ACH payment of $4,200 was reversed 45 days after the goods shipped and delivered (confirmed by tracking). My payment processor says the buyer's bank initiated an 'unauthorized' return. But the buyer placed the order themselves, provided their own payment info, and confirmed delivery. How can a bank reverse a payment 45 days later when the goods were delivered?
@EcommerceSeller_Nick — ACH returns have different rules than credit card chargebacks. Under NACHA rules, unauthorized ACH debits can be returned up to 60 days after the settlement date. The 'unauthorized' designation means the account holder claims they didn't authorize the debit. Your recourse: (1) File a Written Statement of Unauthorized Debit (WSUD) with your bank, providing evidence that the transaction was authorized (order confirmation, shipping confirmation, delivery proof). (2) Your payment processor should be fighting this through the ACH network — if they're not, escalate. (3) Consider filing a fraud report if the buyer received goods and then claimed the payment was unauthorized — that's theft by deception. (4) For amounts over $3K, consult an attorney about a civil action against the buyer. ACH fraud is increasingly common and the consumer protections weren't designed for sophisticated fraud schemes.