When can a customer file a dispute for an ACH debit?

A customer can file a dispute for an ACH debit in various situations, which is why the option stating "All of the above" is the correct choice. Each of the scenarios mentioned highlights legitimate reasons for disputing an ACH transaction.

When the amount is incorrect, customers have the right to dispute the transaction since they may have only authorized a specific amount or the amount charged may differ from what they expected. This ensures that customers are not charged incorrectly.

If the date is wrong, this can also be a valid reason for a dispute. For instance, if a payment was supposed to be processed on a specific date but was processed on a different day, leading to unintended consequences for the customer, they can raise a dispute.

Authorization issues are another critical reason for disputes. If a customer did not authorize the ACH debit or if the authorization was not valid, such as in the cases of fraud or erroneous charges, the customer is entitled to contest this charge.

Therefore, all these circumstances give customers valid grounds to dispute ACH transactions, making the comprehensive answer the most accurate. Each individual scenario reinforces the customer’s rights and helps maintain trust in the ACH payment system.