R70 - Permissible Return Entry Not Accepted / Return Not Requested by ODFI

What this code means

DISHONORED RETURN (ODFI -> RDFI). The RDFI sent a 'permissible' return (R31) claiming the ODFI had agreed to it, but the ODFI says it never requested or agreed to that return.

Typical causes

• RDFI assumed ODFI consent for a late CCD/CTX return that was never given
• Miscommunication between the two banks over a permissible return
• R31 used without the required ODFI agreement

What to do

Bank-to-bank dishonor code. Dishonored returns must be transmitted within 5 banking days of the settlement date of the original return.

What it looks like in an ACH return

The return arrives as an Addenda Record (type 99), 94 characters wide. The return reason code sits in positions 4-6.

799R70091000010000001      09100001                                            091000019000001

Tools for this code

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