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Resubmitting of Bill Puts Me in the Red
I had authorized a one-time deduction from my checking account, then called before the agreed date to cancel as I had a family emergency and needed the money. The company still tried to take the money out of my account causing me an NSF charge, and then without my permission, resubitted for payment two weeks later, which has now left me in the red with a check to the water company that will now bounce. Can they do this, and if not, what can I do about it?
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 If you revoked the authorization, the transactions were both unauthorized. Do you have any record of having revoked the authorization to make the charge? For example, did you note to whom you spoke and when?
If the transactions were unauthorized, you should contact your bank and complete what's called a "written statement under penalty of perjury" that your authorization was revoked. Make sure the bank knows that it covers both charges to your account.
If the bank agrees that the transactions were not authorized, it should reimburse you for the charges and the overdraft fees, making you whole. If you are successful, you may still owe the company for whatever service or goods it provided. Stopping the payment doesn't change that.
Published on BankingQuestions.com 10/21/08
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