I am in the same position. They are "holding" funds from a large client of mine becuase it was a "business decision" to close my merchant account. No emails, no information, nothing. They just decide when they want to hold your money. What a horrible company. I am filing a law suit against them. I wish I had read this thread before opening an account and accepting a payment through them. Worst company I've ever worked with, do not ever join.