I agree that this is an extremely sensitive issue. 

First off, your response did not answer my question. 

The basic issue remains:

1. I send the invoice to customer via quickbooks.

2. Customer pays the invoice via their bank account.

3. I provide the service to the customer.

4. Three months later quickbooks notifies me that "there is a problem with the customer bank account".  The payment is disputed.  

5.  Quickbooks takes the money back from my account without any inquiry? investigation? etc.

6.  Meanwhile, quickbooks charges me for collecting the payment.  This charge is never refunded.  So quickbooks still makes money.  

DOES THIS SEEM REASONABLE? ETHICAL? RIGHT? to you?  

Do you think that a small business can survive this way?

Please help me understand this?