If you have set up automatic payments at a business to regularly pull money from your bank account or credit card, this NY Times Bucks blog post
may interest you. Things may work smoothly until you try to cancel the automatic payments. The biller doesn't always stop deducting the money even after you've instructed them to stop.
The article reviews steps you can take along with the Fed rules on preauthorized transfers which banks are suppose to follow. As this professor described
about trying to get help from Wells Fargo on stopping automatic payments, it can be difficult to get the banks to following the Fed regulations.
This is why Clark Howard recommends
against automatic payments:
So what's the solution? Use electronic bill pay that you set up so you can shut it down anytime you want. That's the distinction between e-bill pay and traditional ACH payments. The former you control, the latter is out of your control.