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Signed Stop Payment for Unauthorized Transfer

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Question: 
In order to make sure the Originator doesn't continue to debit the customer, we would need to place a stop payment on an item. We require stop-payment orders to be signed within 14 days of an oral notification in the instance of a preauthorized transfer. But since this scenario is for unauthorized transfers, would it be a violation to require the customer to sign the stop-payment order to prevent additional unauthorized ACH's from debiting their account? Would it be a violation to not obtain their signature and stop the transactions without it?
Answer: 

The customer is not involved in this. You place to stop on your system to protect the bank, not the customer.

First published on 11/12/2017

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