Revoking ACH authorization is an effective tactic. The CFPB dictates that if you give 3 days notice, companies are obligated to honor this. If they charge you afterwards, your bank will be more than happy to reverse the charge. To be clear, this doesn't void the contract you have with them, you're simply revoking their privilege to charge your payment method. If they want your money they'd have to take you to small claims. Here is a sample email which I've used many times to great effect:
May this email serve as your notice to revoke the ACH/Bank Access/Debit Card authorizations of both the below primary bank account and debit card, from [company] effective today, [date]
[Bank Name]
Checking Account x**
Savings Account x**
and
Debit Card x**
Additionally, I am revoking withdrawal authorizations from any other accounts associated with my personal information, listed below
name:
DOB:
phone #:
email:
I am also revoking your further access to my banking accounts and have already removed your authorization with the Bank directly.
THIS REVOCATION APPLIES FOR THE NEXT PAYMENT DUE DATE AND ALL FUTURE DUE DATES.
Kindly, I ask that your response to this email shall be confirmation of receipt and you agree it is at least 3 business days prior to any scheduled repayments or membership fee deduction.
Note that in accordance with 12 CFR Part 1005.10(c) (Regulation E) you MUST HALT PAYMENT.
FAIL TO COMPLY and I will submit a report to the Bureau of Consumer Financial Protection. Additionally, you will be responsible for any fees, including overdraft fees, incurred as a result of your failure to halt payment
May this email serve as your notice to revoke the ACH/Bank Access/Debit Card authorizations of both the below primary bank account and debit card, from [company] effective today, [date]
[Bank Name] Checking Account x** Savings Account x** and Debit Card x**
Additionally, I am revoking withdrawal authorizations from any other accounts associated with my personal information, listed below
name: DOB: phone #: email:
I am also revoking your further access to my banking accounts and have already removed your authorization with the Bank directly.
THIS REVOCATION APPLIES FOR THE NEXT PAYMENT DUE DATE AND ALL FUTURE DUE DATES.
Kindly, I ask that your response to this email shall be confirmation of receipt and you agree it is at least 3 business days prior to any scheduled repayments or membership fee deduction.
Note that in accordance with 12 CFR Part 1005.10(c) (Regulation E) you MUST HALT PAYMENT.
FAIL TO COMPLY and I will submit a report to the Bureau of Consumer Financial Protection. Additionally, you will be responsible for any fees, including overdraft fees, incurred as a result of your failure to halt payment