Forum → Payment Disputes

Payment Disputes

I publish illustrative scenarios prepared by my practice. The participants and conversations are fictional. These are not posts by real users, accounts of client experiences or reports of actual results.

Chargebacks, frozen funds, payment processor holds, and refund disputes.

194 threads

Stripe Amazon suspended my seller account — How to Get Funds Released

by throwaway_tenant_WA · Feb 16

12 replies

Shopify Holding My Money — bank won't reverse wire transfer

by throwaway_tenant_GA · Feb 15

2 replies

Small Claims Court for Payment — Michigan

by throwaway_student_advice · Feb 05

18 replies

Upwork Account Banned — Zelle payment sent to wrong person

by frustrated_freelancer_today · Feb 02

No replies

Client filed fraudulent chargeback after receiving product — what evidence do I need?

by ChargebackBattle · Feb 01

12 replies

Wire Transfer Problem — merchant account terminated without explanation

by need_help_investor_2024 · Jan 30

22 replies

Venmo business account frozen - $4,500 stuck for 3 weeks now

by CleaningBizMike · Jan 25

55 replies

Debt Collection Dispute — PayPal limited my account permanently

by help_me_contractor_advice · Jan 13

17 replies

Debt Collection Dispute — merchant account terminated without explanation

by asking_for_friend_homeowner_FL · Jan 02

24 replies

PayPal 180 day hold on $23K - any way to speed this up?

by shopify_seller_stressed · Jan 02

9 replies

Etsy Marketplace Dispute — customer filed fraudulent chargeback

by throwaway_freelancer_FL · Dec 20

16 replies

Stripe Account Banned — Shopify froze my payments

by just_curious_freelancer_help · Dec 17

8 replies

Business Email Compromise — Wired $45K to Scammer, Bank Won’t Help

by BEC_wire_fraud_victim · Dec 09

9 replies

Debt Collection Dispute — Stripe holding $15K for 90 days

by desperate_worker_2022 · Dec 03

10 replies

Stripe Terminated My Account — $28K in Reserve, No Explanation

by stripe_terminated_shock · Dec 02

7 replies

Sent $2,500 via Zelle to Scammer — Bank Says I Authorized It

by zelle_scammed_buyer · Nov 27

7 replies

Won My Credit Card Dispute, Then Bank Reversed It 3 Months Later

by dispute_reversed_shock · Nov 21

7 replies

Fiverr Holding My Money — Zelle payment sent to wrong person

by just_curious_contractor_TX · Nov 21

11 replies

Wire Transfer Problem — ACH payment reversed after goods shipped

by throwaway_investor_2022 · Nov 20

1 replies

Square Deactivated My Account Mid-Transaction — Lost $3K in Sales

by square_deactivated_2026 · Nov 11

10 replies

Chase Closed My Business Account With No Warning — $15K Inaccessible

by chase_account_closed · Nov 08

8 replies

Stripe Stripe holding $15K for 90 days — How to Get Funds Released

by just_curious_seller_2022 · Nov 07

4 replies

PayPal Holding $12K for 21 Days — Need the Money for Payroll

by paypal_hold_panic · Nov 06

6 replies

Payment Processor Holding 30% Reserve on All Transactions

by excessive_holdback_merch · Nov 03

7 replies

PayPal permanently limited my account with $27K — recovery options?

by LimitedAndLost · Oct 28

12 replies

Venmo Flagged My Business Payments and Froze $6K

by venmo_biz_frozen · Oct 26

9 replies

Stripe holding $47K for "elevated risk" — been 4 months, what are my options?

by MikeK_Founder · Oct 24

17 replies

PayPal Square terminated my account — Dispute Resolution

by first_time_creator_2024 · Oct 02

21 replies

Airbnb Marketplace Dispute — Amazon suspended my seller account

by throwaway_employee_CA · Oct 01

2 replies

Shopify Account Banned — payment processor classified me high-risk

by throwaway_renter_NY · Oct 01

2 replies

Bought $1,800 Louis Vuitton bag on eBay that's definitely fake - seller refusing refund, what are my options?

by scammed_shopper_LA · Sep 28

15 replies

eBay Holding My Money — Apple Pay dispute with merchant

by confused_business_owner_OH · Sep 26

5 replies

Payment Processor Issue — PayPal limited my account permanently

by confused_creator_legal · Sep 23

18 replies

Fiverr Holding My Money — payment processor classified me high-risk

by asking_for_friend_business_owner_2023 · Sep 21

1 replies

Wire Transfer Problem — Amazon suspended my seller account

by TruckerRights_OH · Sep 15

21 replies

Amazon Holding My Money — Venmo scam buyer reversed payment

by confused_employee_2023 · Sep 05

10 replies

Small Claims Court for Payment — New Jersey

by seeking_advice_parent_2022 · Sep 05

18 replies

Debt Collection Dispute — client's check bounced after delivery

by newbie_freelancer_CO · Sep 01

1 replies

Square terminated my account with no warning — alternatives?

by SquareQuestions · Sep 01

6 replies

Debt Collection Dispute — ACH payment reversed after goods shipped

by anon_trader_CO · Aug 30

17 replies

Small Claims Court for Payment — Tennessee

by anon_employee_advice · Aug 28

2 replies

Debt Collection Dispute — merchant account terminated without explanation

by TruckerRights_OH · Aug 24

3 replies

Square Holding My Money — Amazon suspended my seller account

by RetiredLawyer_FL · Aug 21

22 replies

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

by asking_for_friend_tenant_TX · Aug 18

21 replies

PayPal Amazon suspended my seller account — Dispute Resolution

by help_me_creator_TX · Aug 12

3 replies

Shopify Account Banned — PayPal limited my account permanently

by SeniorDevMike_PDX · Aug 10

20 replies

Venmo/Zelle Payment Dispute — merchant account terminated without explanation

by Paralegal_Jen · Aug 07

1 replies

Wire Transfer Problem — GoFundMe frozen campaign funds

by help_me_creator_help · Aug 06

5 replies

PayPal Square terminated my account — Dispute Resolution

by help_me_homeowner_NY · Aug 03

4 replies

Small Claims Court for Payment — Maryland

by worried_renter_2022 · Aug 01

No replies

PayPal payment processor classified me high-risk — Dispute Resolution

by TruckerRights_OH · Jul 19

23 replies

Square Account Banned — Amazon suspended my seller account

by just_curious_employee_GA · Jul 08

16 replies

Uber Holding My Money — Square terminated my account

by desperate_student_IL · Jul 03

2 replies

Wire Transfer Problem — customer filed fraudulent chargeback

by AgentBroker_TX · Jun 30

21 replies

Chargeback Dispute — Amazon suspended my seller account

by newbie_tenant_MA · Jun 26

22 replies

Processor Raised My Rate From 2.9% to 4.5% — Buried in Contract

by rate_hike_processor · Jun 24

6 replies

Venmo/Zelle Payment Dispute — Zelle payment sent to wrong person

by throwaway_seller_IL · Jun 24

11 replies

Bought a used car from a dealer - mechanic says it has flood damage that wasn't disclosed. What are my options?

by scammed_car_buyer · Jun 18

15 replies

Debt Collection Dispute — Zelle payment sent to wrong person

by first_time_worker_CA · Jun 17

17 replies

Amazon Account Banned — Stripe holding $15K for 90 days

by help_me_business_owner_TX · Jun 11

3 replies

Uber Holding My Money — ACH payment reversed after goods shipped

by desperate_parent_2022 · Jun 10

11 replies

Chargeback Dispute — Square terminated my account

by GigWorker_LA · Jun 04

10 replies

PayPal Amazon suspended my seller account — Dispute Resolution

by confused_parent_OH · Jun 03

1 replies

Venmo/Zelle Payment Dispute — client's check bounced after delivery

by first_time_freelancer_WA · May 20

No replies

Amazon Marketplace Dispute — client's check bounced after delivery

by help_me_trader_WA · May 19

No replies

Stripe vs PayPal fees for SaaS - which is actually cheaper?

by SaaSFounder_Mike · May 19

7 replies

Wire Transfer Problem — Amazon suspended my seller account

by just_curious_freelancer_FL · May 16

2 replies

Square terminated my account out of nowhere — holding $14K and no explanation

by SquareShocked · May 13

7 replies

PayPal Holding My Money — Zelle payment sent to wrong person

by desperate_trader_GA · May 05

3 replies

Factoring Company Collecting From My Client After I Repaid the Advance

by factoring_double_collect · May 02

7 replies

Wire Transfer Problem — Shopify froze my payments

by help_me_employee_IL · Apr 24

18 replies

Stripe payment processor classified me high-risk — How to Get Funds Released

by asking_for_friend_worker_2024 · Apr 21

No replies

PayPal limited my account after $8K sale — any recourse?

by PayPalPain · Apr 18

55 replies

Upwork Account Banned — payment processor classified me high-risk

by need_help_creator_2026 · Apr 15

20 replies

Small Claims Court for Payment — Nevada

by seeking_advice_business_owner_question · Apr 02

8 replies

Debt Collection Dispute — Apple Pay dispute with merchant

by anon_creator_IL · Mar 30

8 replies

Customer disputed annual subscription charge — is "no refund" enforceable?

by SaaSFounder_ATX · Mar 27

10 replies

Stripe Marketplace Dispute — merchant account terminated without explanation

by need_help_trader_TX · Mar 19

19 replies

Stripe account frozen with $38K inside — what are my options?

by FrozenFunds_Amy · Mar 15

10 replies

Upwork Client Disputing Escrow After I Delivered — $5K at Stake

by upwork_escrow_dispute · Mar 13

10 replies

Venmo/Zelle Payment Dispute — Apple Pay dispute with merchant

by frustrated_employee_2023 · Mar 06

8 replies

Airbnb Account Banned — ACH payment reversed after goods shipped

by anon_dev_IL · Mar 04

15 replies

PayPal client's check bounced after delivery — Dispute Resolution

by CryptoTrader_2023 · Feb 27

15 replies

Wire Transfer Problem — customer filed fraudulent chargeback

by just_curious_creator_NC · Feb 25

7 replies

Stripe Venmo scam buyer reversed payment — How to Get Funds Released

by throwaway_trader_help · Feb 19

13 replies

PayPal Holding My Money — customer filed fraudulent chargeback

by just_curious_freelancer_2023 · Feb 14

4 replies

PayPal put 180-day hold on my funds as new seller - any way to fight this?

by NewSellerMike · Feb 14

7 replies

Small Claims Court for Payment — Nevada

by seeking_advice_contractor_FL · Feb 06

15 replies

PayPal PayPal limited my account permanently — Dispute Resolution

by just_curious_student_2024 · Jan 30

3 replies

Stripe Shopify froze my payments — How to Get Funds Released

by NurseUnion_Rep · Jan 30

22 replies

Stripe Venmo scam buyer reversed payment — How to Get Funds Released

by seeking_advice_freelancer_CO · Jan 26

2 replies

Chargeback Dispute — Amazon suspended my seller account

by asking_for_friend_employee_2024 · Jan 21

5 replies

Stripe Zelle payment sent to wrong person — How to Get Funds Released

by throwaway_worker_advice · Jan 14

16 replies

Fiverr Holding My Money — customer filed fraudulent chargeback

by first_time_parent_WA · Dec 21

No replies

Shopify Payments suspended - $12K frozen, chargeback rate at 1.2%

by DropshipDan · Dec 19

55 replies

Chargeback Dispute — Amazon suspended my seller account

by need_help_creator_2022 · Dec 18

7 replies

Wire Transfer Problem — Square terminated my account

by asking_for_friend_renter_FL · Dec 02

No replies

Customer filed chargeback after 11 months of using my SaaS — how to fight?

by SaaSBuilder_Kate · Nov 30

13 replies

Payment Processor Issue — Apple Pay dispute with merchant

by seeking_advice_driver_2026 · Nov 27

5 replies

Wire Transfer Problem — GoFundMe frozen campaign funds

by AgentBroker_TX · Nov 25

10 replies

Payment Disputes

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