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

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

ACH payment reversed after goods shipped. I've been dealing with this for about 3 weeks now and the situation isn't improving.

The amount being held/disputed is approximately $48,912. I have tried contacting customer support 9 times with no resolution.

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

Licensed attorney — a few thoughts. Here's my take on the legal issues.

This is a common situation and the law is fairly clear. Under state consumer protection laws, unfair or deceptive.

One important thing — there are strict deadlines for filing these claims. Don't wait too long.

I went through almost the exact same thing.

I ended up filing with the appropriate government agency, which cost about $4-8 but saved me a lot more in the long run.

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.

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 went through almost the exact same thing.

What worked for me was having everything documented. It took 3-6 months but was worth it.

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

Been there. Here's what I learned.

The biggest mistake people make in this situation is filing with the appropriate government agency. I'd recommend gathering evidence first instead.

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

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.

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.