Can the pdl companies reopen a closed account?

That would actually be a question for your bank. I have worked in two different ones and one of them let ach's reopen the accounts and the other ones did not. Where have you borrowed from? How much did you borrow and how much have you repaid?

National City in Ohio was a nightmare to work with. I closed my account at a 0 balance. Two days later, I found that it was opened again by a PDL who I had notified National City was illegally accessing my account. They told me as long as there was new activity on my account, they could not officially close it. I told them that since I had closed it at a 0 balance, as they instructed me to do, and these places were illegally attempting to take money out, I was not going to take responsibility for any more activity that happened with the account. They told me I was responsible for the account until they closed the account, which would only happen after 30 days went by with no activity on it. It finally did close, 2 months later, with a -600 balance, which they eventually sent a collection company after me to pay. I couldn't and didn't feel I should have to pay it, so now I am on chexsystems because of this. I hope the National City you deal with is of better service to you. Good luck.

P.S. I just thought it was noteworthy to mention this is an account that I had had for almost 30 years.

National City and PNC are two of the worst freaking banks in the world! The only thing these two banks care about is money and will lie and lie to you to get it! Trust me!

Same thing happened to me and my bank account, although it was with another bank.

Ask the bank if they can put the account on deposit only, that way no transactions can go through. Some banks will do that to prevent the forced reopening of an account.