Venmo/Zelle Payment Dispute — Square terminated my account

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

Square terminated my account. I've been dealing with this for about 14 months now and the situation isn't improving.

The amount being held/disputed is approximately $21,107. I have tried contacting customer support 5 times with no resolution.

What's the typical outcome in situations like this?

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.

NAL, but from what I've read, you should check your state's specific laws. That said, definitely get a lawyer to look at the specifics.

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

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 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.

Been there. Here's what I learned.

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 legal aid society? They sometimes have free resources or mediation services.

I specialize in this area of law. Here's my take on the legal issues.

The key question is whether the applicable statute of limitations has run. Depending on your jurisdiction, you typically have Regulation E years for this type of claim.

The practical consideration here is cost vs. potential recovery. For disputes under $10K, small claims court is often the best route.

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

I ended up hiring an attorney to send the initial letter, which cost about $2-4 but saved me a lot more in the long run.

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

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.