Venmo/Zelle Payment Dispute: PayPal limited my account permanently

Quick background on my situation — any input appreciated.

PayPal limited my account permanently. I've been dealing with this for about 13 months now and the situation isn't improving.

The amount being held/disputed is approximately $37,772. I have tried contacting their legal department 9 times with no resolution.

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

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.

Not a lawyer, but I have direct experience with this.

The thing that gets people is hiring an attorney to send the initial letter. I'd recommend being patient with the process instead.