Revoke authorization
Provider that holds the payment permission
Withdraw permission for future debits
Separate the bank debit from the debt you still need to resolve
You can need help with an automatic withdrawal and still owe a debt. Address the authorization and bank instructions directly, then handle repayment as a separate conversation.
Bottom Dollar Payday is not the lender. This page helps prepare and compare decisions; it does not submit an application or access accounts or application records.
Notify the institution
Bank or credit union holding the account
Explain the revocation and identify the payments
Stop-payment order
Account institution
Stop the identified scheduled preauthorized transfer
Choose the withdrawal stage, not the debt status
No account is accessed and no notices are sent. The output is an action list to use through verified channels.
Start with the action that applies
Withdraw permission for future recurring debits
Notify the provider that you are revoking the authorization, keep a copy and notify the bank or credit union as well. Ask what evidence the institution needs to prevent further authorized transfers. [F12]
Ask the bank to stop a scheduled preauthorized transfer
Regulation E generally allows an oral or written stop-payment notice at least three business days before the scheduled transfer. Ask the institution how it applies its business-day procedure and whether written confirmation is required. [F11]
Report a debit that already occurred
Contact the institution promptly and explain the issue precisely. A future stop order is not the same as a dispute or error report about a completed withdrawal. Keep the account entry and authorization history.
Use the right action for the right problem
CFPB’s guidance separates revoking the lender’s authorization, notifying the financial institution and placing a stop-payment order. None of those steps by itself cancels the loan obligation. [F12]
| Action | Recipient | Purpose |
|---|---|---|
| Revoke authorization | Provider that holds the payment permission | Withdraw permission for future debits |
| Notify the institution | Bank or credit union holding the account | Explain the revocation and identify the payments |
| Stop-payment order | Account institution | Stop the identified scheduled preauthorized transfer |
| Report a completed problem debit | Account institution | Start the applicable error or dispute process |
| Repayment arrangement | Creditor or authorized servicer | Resolve the debt and agreed payment method |
Apply the notice periods within their actual scope
For a scheduled preauthorized electronic transfer covered by Regulation E, give the institution notice at least three business days before the transfer. An institution may require written confirmation within 14 days of an oral stop-payment order; when it requires this, it must inform you of the requirement and provide the address for confirmation. [F11]
These are not two interchangeable deadlines. The three-business-day rule concerns advance notice of the scheduled transfer; the 14-day period concerns required confirmation after an oral order. This page does not calculate your bank’s calendar or decide the rules for an unidentified one-time payment.
Prepare a precise notice without sending unnecessary records
Use the institution’s verified channel and identify the payment clearly. Ask whether fees apply and retain its confirmation. [F12]
| Information to prepare | Why the recipient needs it | Keep the scope narrow |
|---|---|---|
| Provider and payment description | Identify the originator | Use the agreement and bank entry |
| Scheduled date and known amount | Identify the transfer | Say when either is unknown |
| Revocation date and copy | Explain the authorization change | Send through the institution’s process |
| Requested action | Distinguish revocation, stop order and error report | Do not assume one automatically does the others |
| Confirmation and reference | Keep evidence of receipt and instructions | Record follow-up requirements |
If the payment is imminent or has posted
Contact the institution immediately rather than waiting for a calculator to produce a deadline. Ask which action is still available. If a debit has posted, explain whether you dispute authorization, amount, timing or another issue and follow the bank’s reporting procedure. Do not assume that a message sent to the provider automatically reversed the entry.
Check later statements for additional withdrawals, and keep the record of any revocation and bank notice. Recovery or investigation outcomes are not guaranteed by this page.
Arrange another way to handle the debt
After addressing account access, ask the creditor how to make an agreed payment through a verified method or request a hardship arrangement. Keep payment changes in writing. Canceling a debit does not erase the balance, waive charges or suspend every collection consequence. [F12]
The repayment-help worksheet can prepare a budget-based proposal. Do not send replacement payments to a newly supplied recipient until its authority is verified.
Keep the bank process and complaint process distinct
If a problem is not resolved, use the CFPB or appropriate regulator’s official complaint route. Submit a clear timeline and evidence through that channel rather than posting full account records publicly. A complaint is not itself a stop-payment order. Follow the institution’s instructions for the immediate account issue while the complaint is considered. [F12]
Questions before continuing
Does selecting an option stop a withdrawal?
No. The selector does not contact your bank or provider. You must carry out the applicable steps directly.
Can I use the three-business-day rule for any transfer?
Do not assume that. The described rule concerns scheduled preauthorized electronic transfers. Ask the institution about a one-time or otherwise different transaction.
Do I still owe the debt after revoking ACH permission?
Revoking or stopping the debit does not itself cancel the debt. Resolve the balance, dispute or repayment arrangement separately. [F12]
Related decisions
Sources and scope
Sources describe rules and resources; they do not endorse Bottom Dollar or certify listed businesses. Numerical examples are calculations, not offers.
