Yes, you can revoke Uprova's authorization to debit your account

You can stop Uprova from taking money out of your checking account by revoking the authorization you gave them. This is called revoking an ACH debit authorization — the legal permission that lets Uprova pull funds directly from your bank. You have the right to revoke it at any time, even if you still owe money to Uprova.

The revocation itself is free and takes a few days to take effect. However, revoking the authorization does not erase the debt or stop Uprova from trying to collect it through other means. Once you revoke it, Uprova cannot pull money from that account anymore, but they may pursue the debt through phone calls, letters, or legal action depending on what you owe and your state's laws.

Key Takeaways

  • You can revoke Uprova's ACH authorization by contacting your bank directly or by sending a written request to Uprova, and both methods are legally binding.
  • Revoking the authorization stops future debits but does not cancel the underlying debt or prevent Uprova from collecting through other methods.
  • Your bank must process a revocation within one business day of receiving it, though it may take several days for Uprova's system to stop attempting debits.
  • If Uprova continues to attempt debits after you have revoked authorization, your bank may charge you fees, and you can dispute those charges.

Revoking authorization through your bank

The fastest way to stop Uprova from debiting your account is to contact your bank directly. Call the customer service number on the back of your debit card or log into your online banking portal and look for a section called "Manage Authorized Payments," "ACH Management," or "Recurring Payments." Different banks use different names for this feature.

Tell your bank you want to revoke authorization for Uprova to debit your account. You will need to provide the bank with Uprova's name and, if you have it, the authorization reference number from your Uprova agreement or from past debit notifications. Your bank must stop processing new debits from Uprova within one business day, though it may take a few more days for the change to fully take effect in Uprova's system.

Keep a record of the date and time you called, the name of the bank representative you spoke with, and any confirmation number they give you. This protects you if Uprova tries to debit your account after you have revoked authorization.

Revoking authorization directly with Uprova

You can also revoke authorization by contacting Uprova in writing. Send a letter or email to Uprova's customer service stating that you revoke their authorization to debit your checking account. Include your full name, the account number they have on file, and the date you want the revocation to take effect.

Uprova's customer service contact information should be in your loan agreement or on their website. Send the request via certified mail or email so you have proof of delivery. Keep a copy of the letter for your records. Uprova must honor the revocation, though there may be a delay of several business days before it takes effect in their system.

Even if you revoke authorization with Uprova, it is still a good idea to notify your bank as well. This creates a backup protection: if Uprova tries to debit your account after you have revoked authorization, your bank can block the transaction based on your instruction to them.

What happens to your debt after you revoke authorization

Revoking the authorization does not erase what you owe Uprova. The debt remains, and Uprova retains the right to pursue collection. After you revoke authorization, Uprova may contact you by phone or mail to arrange another payment method, or they may refer the debt to a collection agency.

If you owe money and want to avoid collection action, contact Uprova to discuss a payment plan or settlement before you revoke authorization. Revoking authorization is a defensive step — it stops the automatic debits — but it does not resolve the underlying obligation.

Protecting yourself if Uprova continues to attempt debits

After you revoke authorization, Uprova should not attempt to debit your account. If they do, your bank may either block the transaction or allow it through and then charge you an overdraft or returned-debit fee. If this happens, you have the right to dispute the charge with your bank.

Contact your bank and explain that you revoked authorization for Uprova to debit your account. Provide the bank with the confirmation number or date of your revocation request. Most banks will reverse overdraft fees or returned-debit fees if you can show that you revoked authorization before the debit was attempted. This process is called a chargeback dispute or a claim, depending on your bank's terminology.

If Uprova continues to attempt debits repeatedly after you have revoked authorization, you may have grounds to file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state's attorney general. Keep records of every attempted debit and every fee your bank charged you as a result.

The difference between revoking authorization and stopping payment

Revoking authorization and requesting a stop payment are not the same thing. A stop payment is a one-time instruction to your bank to block a specific debit that you know is coming. A revocation is a permanent cancellation of the authorization itself, which stops all future debits from that source.

For Uprova, you want a revocation, not a stop payment, because Uprova may attempt to debit your account multiple times. A stop payment only blocks one transaction. Revoking the authorization is the permanent solution.

Timing: how long revocation takes to take effect

Your bank must acknowledge your revocation request within one business day. However, the revocation may not take full effect when ready. It can take three to five business days for the change to propagate through the banking system and for Uprova's payment processing system to recognize that your authorization is no longer valid.

During this window, Uprova may still attempt to debit your account based on their records. If a debit goes through after you have revoked authorization, contact your bank when ready and reference your revocation request. The bank can reverse the transaction and refund any fees.

Frequently Asked Questions

Will revoking Uprova's authorization hurt my credit score?

Revoking authorization itself does not affect your credit. However, if you owe Uprova money and stop paying, they may report the debt as delinquent to credit bureaus, which will hurt your score. The damage comes from non-payment, not from the revocation.

Can Uprova sue me if I revoke authorization and don't pay?

Yes, depending on the amount owed and your state's laws. Revoking authorization stops the automatic debits but does not prevent Uprova from pursuing the debt through other collection methods, including a lawsuit. Contact Uprova to discuss payment options before revoking authorization if you want to avoid legal action.

What if my bank says they can't revoke Uprova's authorization?

All banks are required by law to honor revocation requests for ACH debits. If your bank refuses, ask to speak with a supervisor and cite the Electronic Funds Transfer Act (EFTA). If the bank still refuses, file a complaint with the CFPB or your state's banking regulator.

Do I need to close my checking account to stop Uprova from debiting it?

No. Closing your account is unnecessary and disruptive. straightforward revoking the authorization through your bank or through Uprova directly is sufficient. If you close the account, Uprova may attempt to collect through other means, and you will lose access to the account for your own use.

Can I revoke authorization if I'm in the middle of repaying a loan?

Yes, you can revoke authorization at any time, even if you are actively repaying. However, if you revoke authorization while you still owe money, you will need to arrange another way to pay Uprova, or they may pursue collection action. Contact Uprova first to discuss alternatives.