I have refused to answer any questions to "confirm my identity" on the phone.  They invited me to call their COO.  Hah! The COO wants to deal with a $2 total fees account personally?  I refused to have any verbal contact or to give them any information that they did not already have.  I demanded all communication be in writing.

Because I don't trust dwolla since I read about them trying to scam tradehill.

They responded by "freezing" my "pending" transactions.  Their site said I had "0 pending" transactions.  But the last ACH withdrawal made 3 days before the phone call has yet to be credited to my bank account.  Anyway, I will give it a few more business days, then try written correspondence, then seek civil and criminal penalties.  I figure it will be worth it since I can get costs and if I'm lucky treble damages, punitive damages, or restitution.  It would be a class action if they are doing this to lots of people.

This from a company that has moved less than $10k dollars for me and has taken less than $2 in fees from me.  They already lost all their profit on me after the first phone call required a follow-up email.  And they want to play hardball without so much as a professional written correspondence.  Pfft, I'm done with them. 

I don't trust dwolla.  I'm guessing it's run by a handful of kids with little business or legal experience trying to play bigshot and not realizing the civil and criminal trouble they are walking into.  Blindly walking to their own doom, arrogant and foolish.