ACH didnt work
Date: Sat, 04/20/2013 - 08:47
I sent ACH revocation to both illegal lenders and closed my account. However, they still withdrew funds completely disregarding the ACH revocations i sent that. Also it seems the bank didn't close my account immediately as requested. Now I'm -$220 on that account. I can't afford this..i live pay check to pay check right now and got kids to feed. What can i do? I went to the bank to revoke ACH and get my account closed3 days before these lenders tried to get money..i also sent these lenders ACH revocation letters 3 days before this as well.
The bank should be able to
The bank should be able to reverse those ACH charges. Call them or go into the bank and tell them you want the unauthorized ACH debits reversed. If they say no, call a regional manager or someone higher up.
See this link
See this link
http://www.wisegeek.com/what-is-the-electronic-funds-transfer-act.htm#did-you-know
Take a copy of Reg E and copies of your properly delivered ACH revocations to the bank, ask for a manager and demand they reverse the ACH charges and any subsequent NSF fees that were incurred. If the bank was notified of the ACH revocations and provided copies but still allowed the ACH transactions to go through on a "closed" account, they are in violation.