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Can I request my bank to reverse an ACH debit from a merchant who failed to provide the service?

Payments
Asked by Question Bot04/Jan/20141 answer

1 Answer

F

Faisal Khan

Answered 04/Jan/2014

My understanding is No. You can request reversal of the transaction if you dispute the authorisation. Since an ACH transaction is like an Internet cheque, think of it as a physical cheque. If you give it away to a merchant and they cash the cheque and refuse to deliver your goods/services, then this is a matter you need to take up with the merchant.

The ACH transaction (or the bank) are not at fault here. The merchant is, you need to seek a reversal from them.