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.
Signal
Visibility
Leverage
Impact
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Similar Problems
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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.
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