Short answer
Under federal Regulation E, you can generally stop a preauthorized electronic debit by telling your bank at least three business days before the scheduled debit. Your bank may ask for written confirmation within 14 days. It also helps to revoke your authorization with the lender in writing. Stopping debits does not cancel the loan.
Steps to take
- Gather your documents. Loan agreement, debit authorization, recent statements, and the dates of upcoming debits.
- Revoke authorization with the lender in writing. Send a dated message (email and, if possible, a trackable letter) saying you revoke permission for automatic debits. Keep a copy.
- Contact your bank. Ask for a "stop payment" on the preauthorized transfers. Tell them the lender's name, the amounts and the dates. Do this at least three business days before the next debit and ask what fee applies.
- Confirm in writing. If your bank asks for written confirmation, send it promptly (the rule allows the bank to require it within 14 days).
- Watch your account. If a debit still goes through after a valid stop request, tell your bank right away and dispute it.
- Contact the lender about the balance. Ask for a written payoff or a payment plan. Revoking debits does not erase what you owe, and unpaid loans can lead to collections or credit reporting.
- Escalate if needed. File with the CFPB, the BBB, and your state regulator.
What your written revocation should include
- Your full name and loan or account reference.
- A clear statement: "I revoke authorization for automatic debits from my account ending in ____ effective immediately."
- The date, and a request for written confirmation.
- A request for a written payoff amount.
Some borrowers on public rating sites say they revoked access and then struggled to get written confirmation. Keeping dated copies of every message protects you.
What this page cannot do
Rules and your loan agreement's terms can vary, and this is general information, not legal advice. For help, a nonprofit credit counselor (try the NFCC) or a legal aid office can look over your situation.
Frequently asked questions
Can I stop automatic debits from Buffalo Lake Lending?
Generally you can ask your bank to stop preauthorized debits, ideally at least three business days before the scheduled date, and revoke authorization in writing with the lender. Results depend on your agreement and bank.
Will stopping debits cancel my loan?
No. You may still owe the balance, and unpaid debts can lead to collections or credit reporting.
What if a debit goes through after I stopped it?
Contact your bank immediately and dispute the transaction, and keep records of your stop request.
Does my bank charge for a stop payment?
Many banks charge a fee. Ask before you request it.
Sources
- CFPB — Regulation E, 12 CFR 1005.10 (preauthorized transfers)
- CFPB — Submit a complaint
- Better Business Bureau — Buffalo Lake Lending complaints
- National Foundation for Credit Counseling
Information was gathered from these public pages and checked on October 25, 2026. Pages can change; check the original before relying on it.
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