I’m facing a similar issue. A client paid via ACH last Thursday, and now, 8 days later, the funds ($19k) still haven’t appeared in my account. This delay is extremely frustrating and is starting to impact my business. The client confirmed that the money was withdrawn from their account that Friday. I've called 7 times and received different information each time—it's always 'today' or 'tomorrow morning.' Finally, I spoke with someone who seemed to genuinely understand the situation and took action beyond just reading from a script. Yet, 8 days later, I still don't have the funds.