how to Get Funds Released — update in comments

Quick background on my situation — any input appreciated.

payment processor classified me high-risk. I've been dealing with this for about 5 months now and the situation isn't improving.

The amount being held/disputed is approximately $48,305. I have tried contacting their legal department 2 times with no resolution.

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

Just got off the phone with my bank's fraud department. If you haven't already, file a dispute directly with your bank under Reg E (electronic transfers) or Reg Z (credit cards). The bank has to investigate within 10 business days.