The verbal agreement mistake

One option would be to cancel your checking account and open a new one at another bank. you also want to call them and cancel the draft and ask for some kind of confirmation number. Also get the rep's name and employee number if they use one and mark down the date and time you started your conversation.

I'm so sorry you had to learn this the hard way, we've all made mistakes.

I had the same scenario with a debt collector. Realized the day after, and sent them certified letter and faxed it cancelling the agreement (I had received a copy via fax), and revoking ACH authorization. There was plenty of time before the draft date. A week later they debited my account which caused an overdraft and charges. It was returned unpaid by my bank, but I had to suck up the overdraft charges. That same day I went to the bank with a copy of my letter and return receipt card and completed unauthorized withdrawal form with my bank. The following day the debt collector debited my account AGAIN. It was not paid, and now I've closed that account.

Learned the hard way too. They hadn't sent me verification that they were authorized to collect debt, nor their license/bond number in N.J. I should have waited to receive that info before I authorized withdrawal.

So the best solution is to close your account before they clean you out, because they can debit for ANY amount.

Just my 2 cents worth.

I never had a problem with the OC.

But when dealing with a CA, open one account for them.

Good Luck,
King "Kash" Jabba Labba

Dear Need help fast:

Here's what I would do:
Follow Aubreys Advice, with the CErtified Letter!
2) Go to your bank and fill out a Stop payment Form, just in case Debit comes through before they get your letter. This will probably cost $10.00-20.00; but worth it, to find extra had been taken out. Even though they could get your letter in time, by stopping payment, it will assure, the debit will not go through! You may want to do this before sending the Certified Letter cancelling authorization.
3) in the letter, I would also put, you have put a stop payment with your bank.

Next, I have a Cease & Desist letter I use to Collection Agencies, every one of them.

CA don't tell you, but any money you pay them probably will NOT go to the original CC bank (B of A). Chances are B of A has charged off your account for delinquent payments. By law they have to after so many days.

I do have some options, that can help you, as well as letters and other documents. I don't like Collection Agencies or their Attorneys, so that is why I help people on my own time for no fees charged.

I am not an Attorney. I can not give legal advice; but I can advise what I would do in a given situation. I have fought 2 lawsuits on my own against us. I have helped others both with Collection Agency (CA) and CC debt lawsuits, with favorable results. I am well knowledged in Consumer Protection laws.

For additional helps, options letters etc. email deleted...pm
Thank you

stop posting your email.i suspect you now of soliciting.sorry but posting your email is not allowed per TOS rules.