ࡱ> LNK bjbjupup ::XXXXX4hTH,"bt^"""""""$$'n5"X5"XXJ"UUUjXX"U"UU:@% \#+ !`"0"R((% % J(Xo U5"5"U"( : Stopping Automatic Debit Payments - Sample Stop Payment Order to Your Bank or Credit Union People use automatic payments set up with a merchant or other service provider to pay bills and other recurring payments from their bank or credit union accounts. Federal law provides certain protections for these kinds of automatic payments, including your right to stop a company from taking automatic payments from your account, even if you previously allowed them. If you decide you want to stop automatic debit payments from your account: Call and write the company. Tell the company that you are taking away your permission for the company to take automatic payments out of your bank account. This is called revoking authorization. If you decide to call, be sure to send the letter after you call and keep a copy for your records.  HYPERLINK "http://files.consumerfinance.gov/f/201511_cfpb_sample-letter-to-company-to-revoke-authorization-for-automatic-debit-payments.doc" Click here for a sample letter. Call and write your bank or credit union. Tell your bank that you have revoked authorization for the company to take automatic payments from your account.  HYPERLINK "http://files.consumerfinance.gov/f/201511_cfpb_sample-revocation-letter-to-your-bank-or-credit-union.doc" Click here for a sample letter. Some banks and credit unions may offer you an online form. Even if you have not revoked your authorization with the company, you can stop an automatic payment from being charged to your bank account by giving your bank a stop payment order. This instructs your bank to stop allowing the company to take payments from your account. Banks commonly charge a fee for executing a stop payment order. See below for a sample stop payment order. To stop the next scheduled payment, give your bank the stop payment order at least three business days before the payment is scheduled. You can give the order in person, over the phone or in writing. To stop all future payments, you might have to send your bank the stop payment order in writing. If your bank asks for a written order, make sure to provide it within 14 days of your oral notification. Be prepared to include a copy of your  HYPERLINK "http://files.consumerfinance.gov/f/201511_cfpb_sample-letter-to-company-to-revoke-authorization-for-automatic-debit-payments.doc" revocation to the company with your written stop-payment order. Monitor your accounts. Tell your bank or credit union right away if you see a payment that you did not allow (authorize). Federal law gives you the right to dispute and get your money back for any  HYPERLINK "http://www.consumerfinance.gov/askcfpb/1017/i-discovered-debit-cardonlineatmautomatic-deduction-transaction-i-did-not-authorize-how-do-i-recover-my-money.html" unauthorized transfers from your account as long as you alert your bank in time. HYPERLINK "http://files.consumerfinance.gov/f/201511_cfpb_sample-notice-of-unauthorized-transfer.doc"Click here for a sample letter. How to Use this Sample Letter Use this letter to give your bank or a credit union a stop payment order. A stop payment order instructs your bank to stop making one or more automatic payments to a particular company. Be aware that many banks charge a fee for a stop payment order. In the brackets [ ], put your information and check the option(s) that apply to your situation. If you give your bank the stop payment order over the phone or in person, keep notes about the dates and details of any conversations you have with the banks representative(s). You should also mail the stop payment order to your bank and make sure to keep a copy for your records. TIP: It is also a good idea to attach a copy of your bank account statement or a screen shot from your online banking portal highlighting a past transaction associated with the autopayments to the company. This can help show the bank the specific payment stream that you would like blocked. However, this is not required. [Your Name] [Your Address] [DATE] [Bank Name] [Bank Address] RE: Stop Payment Order To Whom It May Concern: I am sending this stop payment order to instruct you to stop making payments from my bank account [xxxx-xxxx] to [Company name]. My account number with the company is [xxxx-xxxx]. I wish to stop: __ all future payments to this company; __ the next payment only; __ a series of payments: [Specify payment dates, months or specific payments to be stopped]. 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