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Perhaps you should check your contract before you claim they are stealing from you.
It's pretty standard that when an account is terminated for any reason, all funds due are held for six months and then released; as a matter of fact this policy stems from the way the banks handle terminated merchant accounts...
You can come and cry in January if you don't get anything AND if you didn't have chargebacks or credits that totalled as much as your reserves.
There is a reason they are called reserves.
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