what do you tell them at the bank

to do a hard block you must speak to the manager as they are the only one who can do that.explain your situation.even bring the ACH revocation letters with you.they should do it no problem.

You have the right under the Electronic Funds Transfer Act to cancel any and all ACH transactions. You can tell them you've had fraudulant withdrawals (which is not a lie if you're dealing with illegal payday companies) and you want to pay your bills via on-line banking or writing checks. You must do this 3 days BEFORE the withdrawals are supposed to happen. Go to your bank in person and speak to a manager (not a customer service employee). You will get quicker service in person. Quote the EFTA if you have to. If you get no satisfaction from the manager, go higher up, but do it within that 3 day window.

i agree, go directly to the branch manager, if they say no keep asking (corporate, different bank, etc.) they must help you with this.