Venmo/Zelle Payment Dispute — ACH payment reversed after goods shipped

I'm dealing with a situation and need some guidance.

ACH payment reversed after goods shipped. I've been dealing with this for about 8 months now and the situation isn't improving.

The amount being held/disputed is approximately $9,668. I have tried contacting customer support 2 times with no resolution.

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

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.

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 seen this play out several times in my field.

In my case, it took about 2-4 months to resolve. The key was hiring an attorney to send the initial letter.

Just want to point out — the statute of limitations might be a factor here. In some states it's as short as 1-2 years. Don't sit on this too long.

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.

What worked for me was hiring an attorney to send the initial letter. It took 2-4 months but was worth it.

Have you tried reaching out to your state's attorney general? They sometimes have free resources or mediation services.

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 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 the EFTA. The standard is whether a reasonable person would find the conduct timely disputed.

You should consult with a local attorney who handles these cases. Many offer free initial consultations.

I've seen this play out several times in my field.

In my case, it took about 4-8 months to resolve. The key was filing with the appropriate government agency.

I've dealt with this before.

The biggest mistake people make in this situation is hiring an attorney to send the initial letter. I'd recommend being patient with the process instead.

I went through almost the exact same thing.

The biggest mistake people make in this situation is hiring an attorney to send the initial letter. I'd recommend being patient with the process instead.

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've seen this play out several times in my field.

The biggest mistake people make in this situation is having everything documented. I'd recommend keeping a detailed timeline instead.

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.

NAL, but from what I've read, you should document everything. That said, definitely get a lawyer to look at the specifics.

Just want to point out — the statute of limitations might be a factor here. In some states it's as short as 1-2 years. Don't sit on this too long.

Following this thread — I'm in a very similar situation. Would love to hear how it turns out.

I've dealt with this before.

In my case, it took about 3-6 months to resolve. The key was having everything documented.

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.