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The original was posted on /r/monero by /u/38dc47 on 2025-10-12 02:33:50+00:00.

Hey everyone,

I’m looking for advice and to hear from anyone who’s been through something similar.

I’ve been doing small-scale P2P crypto trades (Monero ↔ USD) — legit trades where I released Monero after receiving bank payments from buyers.

Later I received a notice from my bank’s fraud department saying they will close my account because some transfers were reported as “unauthorized.” When I contacted them they told me:

• A buyer went to their bank claiming the wires were unauthorized or sent to the wrong person.
• No law enforcement is involved (so it’s not an official criminal investigation).
• The funds are currently on hold, not yet returned.
• The bank said they may return funds, though reps gave conflicting info.

The buyer already received the Monero. From my reading, under UCC Article 4A wire transfers are final once credited — so I don’t understand how a unilateral “unauthorized” claim should automatically wipe out my payment.

My main questions:

• Has anyone had banks freeze or attempt to return wire transfers after P2P trades?
• Can a sender legitimately force a bank to reverse a wire without a court order or law enforcement involvement?
• How did you handle it practically or legally (if you did)?
• Is P2P trading via Haveno / Bisq / other still safe for U.S. participants, and what precautions do you take?

If you’ve been through this or work in banking/legal, I’d appreciate any insight. Right now I just want to avoid losing legitimate funds and learn how to reduce this risk in future trades.

Thanks — this has been stressful and I’m hoping to learn from other peoples’ experiences.

TL;DR: P2P trade: I delivered Monero after payment → buyer later claims wires unauthorized → bank put funds on hold and may return them → seeking experiences/advice.