Lenders Ignore ACH Revocation Requests and Keep Withdrawing
A consumer revoked ACH authorization in writing but the lender continued withdrawing funds and became unresponsive to follow-up. This reflects a recurring gap in enforcing payment revocation rights and resolving unauthorized-withdrawal disputes.
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Similar Problems
surfaced semanticallyBank of America Processes Unauthorized ACH Withdrawals After Written Revocation
Bank of America continued debiting a consumer's account after receiving a written revocation notice, ignoring the legal instruction and extracting funds without authorization. High mention count and upvotes confirm this is a widespread systemic failure at major banks.
Bank ignores written authorization revocation for recurring charges
Consumer formally revoked payment authorization in writing and verbally but bank continued processing charges. Despite Regulation E protections, bank denied claim for remaining unauthorized transactions. Written revocation documentation was insufficient to stop charges.
Fintech app conditions ACH revocation on completing account closure
A customer formally requested revocation of ACH withdrawal authorization in writing, but the company refused unless the customer also completed a separate in-app account closure process, despite Regulation E granting a standalone right to revoke ACH authorization.
Payday lenders ignore ACH stop payment requests
Consumers who revoke ACH authorization from payday lenders continue to have unauthorized withdrawals pulled from their accounts. Lenders disregard explicit stop requests made multiple times, violating consumer payment rights. Victims face compounding overdraft fees and financial distress with no fast enforcement mechanism.
Lender Continues ACH Drafts After Written Authorization Revocation
Three Sticks Lending acknowledged a written ACH authorization revocation but continued attempting unauthorized drafts under different entity names. Federal law requires lenders to honor written revocations, but enforcement depends on consumers catching violations themselves. Lenders using multiple entity names to obscure unauthorized ACH attempts exploit the fragmented visibility consumers have over their bank transactions.
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