Lenders Continuing Bank Withdrawals After Borrowers Revoke ACH Authorization
Borrowers who formally revoke a lender's authorization to debit their bank account report that debits continue anyway, and that the company becomes unreachable through its own listed support channels. This leaves consumers with unauthorized withdrawals they can't easily contest through the company directly.
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Similar Problems
surfaced semanticallyLenders 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.
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.
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.
Banks Refusing to Block Unauthorized Recurring ACH Charges
Consumers who discover unauthorized recurring charges on their bank accounts are being denied assistance from their own bank in stopping or reversing the debits. Banks are citing inability to block specific payees despite Regulation E obligations to investigate unauthorized transactions. The asymmetry between merchant ACH initiation rights and consumer revocation rights is a persistent exploitation mechanism.
Subscription Companies Continue Charging After ACH Authorization Revocation
Consumers who formally revoke ACH authorization find subscription companies continuing to charge them and refusing to issue full refunds for unauthorized charges. This billing practice violates consumer protection law but companies exploit process complexity to limit refunds.
Problem descriptions, scores, analysis, and solution blueprints may be updated as new community data becomes available.