It also may depend on how the name was entered and how eFunds recognizes it. I have found that variations of spelling (Mohamed vs Mohammed) and the order in which you enter the name (Last, First or First Last) can make a difference in whether the system picks it up. You'll have to get more details on how they actually work the list.
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I disbelieved what he was saying so hard, I probably created an alternate universe where it wasn't true.