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?
@EmploymentLawyerS_4 — ACH returns have different rules than credit card chargebacks. Under NACHA rules, unauthorized ACH debits can be returned up to 60 days after teh 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 or whatever, 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 sadly.