Debit

I recently changed insurance companies and had a debit go off my account which I then tried to reverse on the app but was unable to do so and asked an agent to assist. She then advised me that as of the 3rd she is unable to reverse the debit order and that I would have to contact the service provider directly to get the refund. I was never notified of this otherwise I would have put a stop payment so that I don't run the risk of being double debitited for my car insurance. I'm honestly not impressed coz it's made to seem as though I just have extra funds in my account for debits to go off even without my authorization and I don't have control over my account that I pay monthly bank fees for.