Payment Processor Issue — Shopify froze my payments

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

Shopify froze my payments. I've been dealing with this for about 7 weeks now and the situation isn't improving.

The amount being held/disputed is approximately $3,683. I have tried contacting their legal department 10 times with no resolution.

Am I overthinking this or is this a real legal issue worth pursuing?

Been there. Here's what I learned.

What worked for me was filing with the appropriate government agency. It took 4-8 months but was worth it.

I practice in this area. 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.

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

I work in this industry and unfortunately this is very common. The good news is that when people actually push back with legal representation, companies usually settle.

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.