银行可以未经客户允许，单方面擅自拒付吗？

tompbgo

用的某通道公司，今天收到一笔拒付通知，理由是"交易不可辨别"

找对方销售，不在公司。

找对方客服，答曰“是拒付”

问：“为什么不直接写拒付”

答：“拒付有各种理由”

行，没有继续BB下去的必要，当天发信给客户。第2天马上收到了明确的回复，如下 ：

Hi xxx,
Good to hear from you. I hope you are well.  I have checked my bank statement and verified that I was charged for both orders （说both，是因为另外一笔款，是另外一个网站，另外一个通道公司收的款，没任何问题）.  Attached is a copy of my Navy Federal Credit Union Bank Statement with the information you need.  Please take this paper to your bank and shown them I was charged and never refunded, or given a credit for either order. Your bank did get the money for both orders.  They need to pay you into your bank account.  If I can be of further assistance please feel free to email.
Best wishes to you

注意看红色字体的地方，“请出示该水单给贵方银行，我付了钱（was charged)，并且从来没有钱退回过(never refunded or given a credit)！"

好了，剩下的事情，出示客户的邮件记录给该通道公司看，对方的理由闻所未闻，”你让客人去问下银行，也许银行自己扣了钱，还未通知客户。”

请教各通道公司同仁——银行还可以未经客户允许，擅自拒付已经付出的钱，拒付之后还不通知客户的？