Payday Loans

Your bank in wrong. Payday loans are illegal in Georgia. ACH revocation is your right under federal law. Go to bank and talk to a manager, not a teller. Give them copies of your ACH revocation letters to the lenders and send to lenders. If your bank allows the lenders to reopen your account, they will be responsible for monies taken.

How could a bank say that? It makes no sense. It's like that bank is legitimizing these slime. Makes no sense at all. When I closed my account, I had no problem at all. I s assured that once it was closed, nothing would reopen it.

I have an issue with any bank that I can't go to a branch to actually speak to a person face to face. It is too easy to try to dodge ACH issues and say other things if you are just a voice on the phone.

Just because you signed a contract does not mean it is a legal contract. This would be like the bank enforcing a contract your 11 year old signed to take out a loan. The loan is illegal and USAA would not enforce the contract for a contract signed by an 11 year old. If the loan was illegal in your state then it is an illegal contract. The clause that claims the Fort Laramie Treaty can only be enforced if you were actually on the reservation at the time the documents were signed and when the loan was defaulted on. I highly doubt you traveled to what ever reservation the lender is based on just to sign the loan so the loan is illegal.

Willy Wonka is still a fictional character and Wonkavision is not real. You can not be transported to the reservation magically via the Internet and then back to your own home.

Even if the debt were legal the bank had no authority on how you pay your bills, even if you had agreed to let a legal lender ACH your account, you have every right to change your mind and not allow them to withdraw money straight from your account. This has to do with revoking ACH only.

Also, I have learned that as for an account being re-opened after it has been closed, depends on how you closed it.. Best to use the compromised account status to close it. Still do your ACH revocation letters, but also report your account as compromised when you lock it down. That way later it can never reopen.

I have the same problem with the same bank. They refuse to shut the account down, I live in Nebraska where payday loans that are not done in a storefront are illegal. I have been going through my bank statements after we had issues with our card. This is how I found these "loans" and their damage. We will see how the ach revocation goes. as for now we have stopped depositing any and all monies to the account, so all that is going to happen and is happening is over 500$ in non sufficient fund fees. I want to fill out a form through them disputing everything however they claim I am commiting fraud cuz the money is no longer there that was deposited. Also they claim I have to abide by texas pay day laws because they are located in texas.
Did you ever get anywhere with them??????