What is the name of your state (only U.S. law)? CA
My wife set up a stop payment for an ach debt through her bank (Bank of America). We received a letter from BOA stating that the payment would be stopped, but it still went through. BOA said they mispelled the merchants name and it would be corrected and the stop payment would now be in effect, but the next month the payment still came out, because BOA again misplelled the merchants name again. Now we have to fill out claims against the merchant who we already are in a dispute with in order to recieve back our $810 that BOA gave away. We want the claim to be against BOA because they messed up, not us. BOA should have to pay us the $810 and they should file the claim against the merchant. We received a letter each time we requested a stop payment which stated the payment would be stopped. Only today were we told that a stop payment is not 100%. This is insane, it is our money, we told BOA not to pay this merchant yet they did. What can we do to take legal action against BOA?