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So fuck it, I’m actually going to just be super transparent about what’s happening. I woke up to emails this morning notifiying me that a client, whom I saw several times for multiple day bookings, decided to dispute 37k in payments made to me between January-March.
This was a client who I felt I could trust deeply. Our first meet I took a small online deposit and the rest was cash. He had references and I screened very thoroughly. We got along well and I decided to accept online payments since it’s better for me and my business.
The last time we saw each other was March 6th-8th. He only now decided that these charges were “fraudulent” and to dispute them. The third party payment processor has debited my bank account for the funds AND charged me a fee for the dispute.
My client has not spoke to me in months and obviously is not responding to any emails now. I share this to say, unfortunately, don’t ever fully trust somebody with online payments. I never thought this would happen with him and with such a large amount of money.
It is so disheartening and upsetting to not feel protected in this line of work and helpless. The reason he’s even disputing is because he thinks he has leverage on me. Please reach out if you have any experience or advice on fighting this and winning, given my position. 
