Can a Financial Company that charged a Bank Account, reverse that charge if you want them too?

Question

Let's say a Financial Company charged your bank account, too avoid paying all the overdraft fees and dealing with the bank, you ask the Financial Company too reverse the payment. Can they do it?

Answer 1

They can, but they probably won't because they don't know when they'd get that money back from you.

Answer 2

if you have good reason to, and you persuede them to, they should.