That’s wild. Several years ago I closed an account. Then 8 months later I got a negative balance statement. It was a NSF because a recurring ACH subscription re

That’s wild. Several years ago I closed an account. Then 8 months later I got a negative balance statement. It was a NSF because a recurring ACH subscription renewed and the vendor ACH’d my account. My bank told me they did close the account when I requested but ACH attempts will reopen the account even months later. Even crazier, the merchant initiating the ACH had been refusing to cancel my subscription and my bank recommended just closing the account as the fix for that at the time. Partially because I wasn’t using it actively, I think there were other ways this just happened to be the simplest. But it didn’t work because of said reopening of account. Also, the merchant got $0 as it was NSF. But bank charged a couple $35 fees IIRC causing the negative balance. They really didn’t want to waive them and I ended up talking to like 3 layers of management to get it resolved. I was just like, “of course it was NSF how/why would I leave a balance in a closed account? Why don’t you reject the ACH some other way? Your business logic is fucked up”