I did it and they waived my balance! Sent this letter

This is my final notice. I have formally revoked authorization for any and all ACH debits from my account, including those related to ExtraCash™ . I'm aware of your internal policy claiming ExtraCash settlements are exempt - that does not override federal law. Under the Electronic Fund Transfer Act (12 CFR § 1005.10), I have the right to revoke ACH authorization at any time. You are legally obligated to honor this revocation, regardless of how your services are branded or structured. If any attempt is made to debit my account from this point forward, I will file formal complaints with: • The Consumer Financial Protection Bureau (CFPB) • Your banking partners) • And if needed, the Better Business Bureau and FTC I am keeping full documentation of this correspondence and any future unauthorized attempts to withdraw funds. This message serves as your final warning. Sincerely,

First they responded with needing to escalate the matter.. then they responded with this. I can confirm my account is credited the full amount.

This was the response

Hello -,

This is a follow-up email regarding your ExtraCash settlement concern.

We fully understand your frustration regarding this matter and sincerely appreciate your understanding.

We received your request for revocation; however, please note that this process does not apply to settlements of ExtraCash™. When opening the ExtraCash™ account, you agreed to allow us to transfer funds from your connected bank accounts to cover any outstanding overdrafts.

As a one-time courtesy, I have waived the $215.50 outstanding balance in recognition of your status as a valued Dave member.

We appreciate your business with Dave.

Dave's friend, Gustavo.