Hi there, starklogic01.
I understand you're in a tough spot here and I believe that this is not easier since this involves money and time.
With that said, we'd like to turn the tables around so you can get your money back.
In order for us to rectify the misunderstanding and help you with the dispute payments, we'll want to give our Payments support another chance to look into this problem. I'd like to do it here, but I'm unable to access sensitive payment information in a public space.
We can use this article for the contact details: Contact Payments or Point of Sale Support.
I'd also like to share this reference that you can read through about processing payments in QBO in case you need it in the future: Learn how to process payment in the Merchant Service Center.
Should you need anything else about this or with QuickBooks, let me know. I'll make sure you're all set. Have a nice day!