I wish I could help, but from my experience, you are in for an endless exchange of chats and e mails, and the chances of a satisfactory outcome are not good..  They actually transferred three payment via ach to a vendor I had not provided banking information for, the vendor claims they never did, and never received the funds.  Since the funds were gone from my account, I didn't know anything was wrong until a monthly statement failed to show the payments.

After more than a month and at least 60 different interactions with Melio "support"  I did get 2 of the payments back, but they say there is nothing more they can do????

Biggest dog and pony show I have ever experienced.

Melio or someone still has some of my money, and I had to pay the vendor again.