argonne wrote:
Well, just put a stop pay on the electronic withdrawl. This may tick them off, but I really don't care. I sent a PFD about a week and a half ago, so they can accept that or they're not receiving payment from me. I am worried, though, that they have my account information and may just try to submit payment again....then that would be an unauthorized withdrawl. I am thinking it may be a good idea to open a new account and close the current one. I did have to pay a $30 stop payment fee, but it's well worth it knowing that i now have a better oppurtunity of getting it off my reports!!!
I don't have time right now to dig up the other banking guidelines, but my understanding is that you would need to follow up with the CA and notify them that you no longer authorize them to access your account. They probably have a recorded conversation that spells out the amount and date they were authorized for but that shouldn't extend to another date ... but better to cover all your bases.
I would think a letter sent CMRRR would be needed to be able to validate your claim that any further transactions are unauthorized. You can purchase a lesser expensive electronic version of the receipt that you can access online. If you go with the traditional green card and decide after mailing that you want the receipt sooner, you can pay an additional fee to be able to access it online.
If you haven't already explained to the bank what you are trying to accomplish and why .... they may better advise you as to whether you should close the account and open a new one. I can't think of what all the pros and cons might be for one way or the other.