Under what circumstances can a customer file a dispute for an ACH debit?

A customer can file a dispute for an ACH debit when the amount charged is incorrect, as this is a legitimate reason for disputing a transaction. When a customer notices that the amount withdrawn from their account does not match the amount they authorized, they have the right to contest the transaction. This is in alignment with the guidelines established by the NACHA (National Automated Clearing House Association) rules which govern ACH transactions, providing a consumer protection mechanism for errors in processing.

In cases where the customer feels that they were overcharged or if a lower amount was agreed upon, disputing based on an incorrect amount is particularly valid. This ensures that consumers maintain control over their financial transactions and that any discrepancies can be addressed and rectified.

Other scenarios, such as a payment not being processed or a customer's account being frozen, do not fall under the typical grounds for disputing an ACH debit. Additionally, simply changing one's mind about a transaction does not constitute a valid reason for disputing an ACH payment, as it does not represent an error in transaction processing. Therefore, the correct context for initiating a dispute aligns specifically with the issue of incorrect amounts.