In an instance like this, the SEC code is controlling, not the account type. If the customer tells you that the authorization for the recurring debit was revoked with the company (in accordance to the terms of their authorization & prior to the debit), then you can return the item R07. If it was never authorized, it came in earlier than authorized, or is for a different amount than authorized, you can return it R10. I would get an account signatory to sign a WSUD. Since these are PPDs instead of CCDs, you have 60 days from the settlement date to return the items as unauthorized (R10) or authorization revoked (R07).