QuickBooks Checking Account issues

I’ve been running into checking account issues that are not being handled. First, I’ve been noticing there are pending transactions that will not drop off of the account that are over 90 days old. This messes with what our actual balance is. We reached out to have this reviewed and was sent a generic response that there was no issue with the debit card. Which had nothing to do with what I initially called for. Second, we have an issue with a merchant that never provided product or the refund which they had to agree to do. I disputed the transaction 3 times with detailed information from phone records to emails from the merchant. Each time the next day, I get the same generic response, there's are no errors and that “Based on our review of your account and transaction history, we confirmed that your dispute is related to the delivery, quality, safety, legality, or other aspect of goods or services purchased.” 

Clearly, yes I know what my dispute is related to. What is the resolution for assisting with the actual dispute? This is sad as QuickBooks always says they have the best interest of small businesses in mind, but they partner with a generic banking company that disservices their customers.