payment processor classified me high-risk — absolutely ridiculous

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Illustrative scenario prepared by my practice.
For informational purposes only. This is not legal advice. Laws vary by jurisdiction. Consult a qualified attorney for advice specific to your situation.
Hypothetical question

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

payment processor classified me high-risk. I've been dealing with this for about 11 months now and the situation isn't improving.

The amount being held/disputed is approximately $42,058. I have tried contacting their legal department 2 times with no resolution.

What are the risks if I pursue this? What's the likely timeline?

Illustrative response

Ok so have you tried reaching out to your state's consumer protection office? They sometimes have free resources or mediation services.