Thread Starter: HappyGilmore
Title: Re: NACHA / ACH Purpose (SEC) Codes
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it sounds as if you are outside of any prescribed return timeframe by Nacha, so perhaps a Rules Violation Claim against the ODFI "may" get your customer relief. "A brief follow-up that the originator believes the underlying transaction was otherwise properly authorized by our customer." Ask for proof of authorization, they have 10-days to comply. If they don't or can't provide, ask for permission for a late return or a rule violation will be filed.
Otherwise, i think you need to refer them to an attorney to pursue the Originator and ODFI, take your bank out of this.
You may also want to look at your ACH/core system to see if you can flag that consumer accounts should not be received CCD and auto-returning them.
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