Small Claims Court for Payment — Tennessee

I've been trying to resolve this in Tennessee on my own but I'm stuck.

Zelle payment sent to wrong person. I've been dealing with this for about 15 weeks now and the situation isn't improving.

The amount being held/disputed is approximately $12,123. I have tried contacting customer support 10 times with no resolution.

Should I hire a lawyer for this or try to handle it myself?

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.

Attorney here. Here's my take on the legal issues.

This is a common situation and the law is fairly clear. Under the EFTA, timely disputed.

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