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Merchant did an ACH on my bank account

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  • Merchant did an ACH on my bank account

    IL
    I paid for an item and the merchant did an ACH on my bank account but the item is defective so can I tell me bank to cancel the ACH and give me the funds back?
    The merchant is not responding. I tried twice.

  • #2
    can I tell me bank to cancel the ACH and give me the funds back?
    You'll have to ask your bank if it has that process. It would have been safer to use a credit card. Credit cards can make chargebacks.

    I'm guessing that this is not a local merchant and you can't visit personally.

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    • #3
      Your bank normally will reverse the ACH if you request it.
      That does not mean that the merchant cannot challenge it, or sue you, or report you to collections, but if the merchant does nothing then you will keep the funds.
      ACH is not a dispute system and if you allowed the ACH you are not supposed to reverse an ACH just because you don't like the product.

      tj

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