<prompt> Human: Ugh Im so frustrated. I thought we were doing a good thing for ourselves but now I think we are trapped.Full backstory: A friend recommended their financial advisor to us. We thought Great! Weve been meaning to meet with someone... we have a kid on the way and husband isnt putting away anything towards retirement since starting his new job in August. So we set up phone meeting with his friend from Northwestern Mutual. She gives us a call, and we end up speaking with her for over an hour. She asks us lots of questions- what we are looking for we tell her we want to set up retirement stuff for husband and explore maybe putting some of our 17k in savings into CDs or mutual funds. She asks us questions about when we see ourselves retiring, how aggressive we are, etc. All good stuff. We hang up and agree to talk again in a week when she will give us a plan.Cut to a week later, we are having a phone meeting with her and she emails me THE PLAN. Its many many pages basically explaining what we have vs. what we will need if we want to retire. But she mostly just talks about how we need more life insurance. Sure we think. Maybe we do need more life insurance. She explains that husband needs at least 1mill in life insurance and I need 500k we both already have 150k policies through work on ourselves. This is news to us but we hear her out. She also spends a ton of time explaining how we need to have disability insurance. Again, we think maybe we do. So we spend the greater part of an hour and a half talking about life insurance and long term disability insurance. She briefly mentions we should be maxing out my Roth IRA and we could perhaps start one for husband. So we hang up, with plans to talk again in a week and sign some paperwork.Over the next week, husband and I really realize that we dont want disability insurance she quoted us paying like 170month and we didnt really feel we needed more life insurance at this time she had us paying 340month in permanent and 125month in term. But we were ok maxing out my Roth at 450month. We also wanted to explore stocksbondsCDsmutual funds more like we initially told her. So I sent this all to her in an email before our next meeting. She sends back OK, great! Sounds good.. talk soon.Cut to another phone meeting, where she would talk with us about our updated PLAN. She emails us the NEW PLAN while we are on the phone. LITERALLY NOTHING IS CHANGED. She proceeds to spend the next hour convincing us why we need life insurance and disability insurance. Husband and I are both pushovers and listen to the whole schpeel again. Every time we bring up a reason why we dont feel like we need it, she tells us how we are wrong. I mean, shes the professional, we thought. I still expressed my disinterest in disability insurance but wasnt completely closing the door on life insurance. She kept giving me the guilt trip on what will your kids have if one of you dies!. By the end of the conversation, I hadnt agreed to anything except to roll over my Roth to Northwestern. She had me give her my bank routing info to get the paperwork started. She also said she was going to be sending me a bunch of stuff to sign in the next few weeks, but it was just to apply for things... nothing was set in stone. We could just see what the insurance company was going to quote us at, and we still arent committed to anything. Ugh fine I think. She says a small amount might be taken out of my checking, but its just to make sure the charges are able to go through when we start moving more money to my Roth.SO a week or two goes by. And I see a 30 charge go through for disability insurance. WHICH I TOLD HER I DIDNT WANT!! And I just realize... this doesnt feel good. It doesnt seem right. Shes not listening to what we want. She still hasnt addressed out interest in CDmutual fundsstocks that we initially came to her for. I spend the weekend doing my due diligence- spending a few hours on rpersonalfinance, NerdWallet, just googling in general about what husband and I should really be doing. I decide to call the whole thing off with Northwestern.Its been a nightmare trying to cut off ties with her. I was kind and courteous through the first couple emails and subsequent texts We really appreciate your time but have decided to pull out. Again, thank you. She is being evasive and manipulative. Telling us we are completely wrong and we still need to work with her. At this point I have just ignored any further communication. It has just been a really bad experience. But THE REAL REASON I still feel like I cant completely ignore her, is that I asked her several times when I should expect to see a refund for the disability insurance THAT I DID NOT WANT AND DID NOT AGREE TO. She just dances around the question. Im also worried because I have gotten a bill no charges yet in the mail for the 340month in permanent and 125month in term and 170 in short term disability. Is there anything I can do to make sure I dont get charged this? If I communicate with her any farther, she just tries to talk to us about why we need to invest with her, etc. WHAT DO WE DO. She is being shady AF. Assistant: Oops.She is an insurance salesperson. She makes money selling insurance.You signed documents and gave her your bank info. You might have agreed to the charges, re-read the documents you signed. Check them to see what is their termination policy. Call your bank and have them refuse any further transactions. They make it confusing on purpose. Human: Lesson learned. I looked at my email and the documents I signed were Insurance Applications... so I really don;t think anything was set in stone yet.I did call my bank- they can only refuse transactions for a 28 fee and I have to know the exact amount. It seems like it might be easier to wait and see if the charge goes through and dispute it after the fact. But I will keep pursuing it.Assistant: Former banker here, now your BANK is shady as f. A 28 fee is opportunistic if not predatory, and they absolutely do NOT need an exact amount. The source alone is sufficient. I am appalled that theyd charge you to stop charges... Think of it this way, youre trying to be proactive, and protecting both your assets and the bank, really. What most folks do, is file a fraud claim with the bank in this case against the insurance co, which costs you the customer nothing, and your banks fraud dept covers the time labor to chase down the money, while usually giving you immediate reimbursement while they do so. They are giving you ZERO incentive to be proactive in this. Theyre not blocking anything, theyre trying to charge you for an electronic version of a Stop Payment order normally done on checks. Skip it, and go the fraud claim route after. It wont cost you anything. Human: Interesting. Its through an employee credit union for a a US top 3 hospital. I would have thought they WERE the best. I will look into this further.  <response>: It may not be as crooked a slip as it sounds, re-reading it. Rather than an arbitrary fee, Id almost guarantee theyre suggesting an electronic version of a stop payment applicable for ACH transactions, if ever.Its the wrong kind of solution to your problem, though your banker isnt trying to be skeezy about it. Given the bait switch approach given by your investment-no-wait-insurance salesperson, Id say that absolutely qualifies as fraud in the eyes of any bank or credit union. The old But you gave me your account info doesnt fly for erroneous charges you didnt authorize, and cant get refunded or even responded to from the offending company. Youre well within your rights to a fraud claim here. I wouldnt go the route of that 28 stop payment. Its effective on paper checks, because you know the exact amount itd be redeemed for because you wrote the check. Electronic versions of that ACH can be re-attempted over and over again with slightly different dollar amounts to circumvent any stop payments in effect. Ive seen it happen. Its shifty as hell, but, well, its a high-pressure life insurance company in business by manipulating kind folks like you. 