Collection Agency

[Nice1234]

Can a collection agency use an authorization granted to the origional creditor to debit your bank account?

[JoeRockhead]

Welcome to the forum. The answer would be yes and no. A debt collector or CA should only be able to withdraw funds from your bank account if you have given them permission to do so, or if they've gotten a judgement against you and/or a court order granting a garnishment.

With that said, you should go back to the original creditor and withdraw your authorization to debit your account. If they continue to do it after you've revoked authorization, you can sue them. 

[JoeRockhead]

Just to clarify the reason for revoking your authorization with the original creditor. Depending on the language of the authorization you originally agreed to, and the state laws governing it, it could have applied to the original creditor and any third party they deem authorized by them to collect on any debt on their behalf. So, go back and revoke your authorization. If they debit your account again it's a violation of the FDCPA (fair debt collections practices act) as well as the EFTA (electronic funds transfer act).