This ACH return code indicates that the RDFI is contesting an accusation of sending duplicate returns. R75 occurs when the receiving bank disputes an ODFI's claim that they received duplicate returns (R67), asserting that their original return was not actually a duplicate of any previously returned entry.
Error message: "The original return entry was not a duplicate of an entry previously returned by the RDFI."
What Causes ACH Return Code R75?
The R75 ACH return code means "Return Not a Duplicate" and indicates that the RDFI is contesting a duplicate return accusation made by the ODFI through R67 code. This occurs when the originating bank claims they received duplicate returns, but the receiving bank disputes this claim, asserting that their original return was not actually a duplicate of any entry they previously returned.
R75 represents a defensive response from the RDFI when they believe the ODFI has incorrectly identified their return as a duplicate. This code serves as a formal dispute mechanism within the ACH network, allowing receiving banks to contest duplicate return accusations and clarify that their return processing was appropriate and not duplicative.
Can You Retry R75 Payments?
You cannot directly retry R75 payments since this code represents a dispute between banks about duplicate return claims rather than a payment processing issue. Resolution requires waiting for the RDFI to handle the dispute, or contacting them directly if significant time passes without resolution of the duplicate return disagreement.
How to Respond to an R75 Code
An R75 return indicates the RDFI is disputing a duplicate return accusation, requiring patient monitoring of the bank dispute resolution process and direct communication with the receiving bank if delays occur.
When Your Customer's Payment Fails
- Wait for RDFI Resolution
Allow the receiving bank to handle their dispute with the ODFI about the duplicate return claim. - Monitor Dispute Progress
Track the resolution process between the banks without taking immediate action. - Contact RDFI if Delayed
Reach out to the receiving bank's ACH operations department if the dispute extends beyond reasonable timeframes. - Gather Documentation
Maintain records of all transaction details in case additional verification is needed.
Subject: Payment Dispute Resolution - Banks Clarifying Return Records
Hi [Customer Name],
Your recent payment is involved in a dispute between banks regarding return processing records. The receiving bank is contesting an accusation that they sent duplicate returns, claiming their original return was not a duplicate.
This represents a disagreement between financial institutions about their return processing rather than an issue with your payment itself. The banks are working to clarify their records and resolve the dispute about duplicate return claims.
We expect this inter-bank dispute to be resolved within 3-5 business days. We'll contact you immediately once the banks have clarified their records and determined the proper status of your payment.
Thank you for your patience,
[Your Company Name]
When Your Payment to Vendors Fails
An R75 return on vendor payments indicates that the vendor's bank is disputing a duplicate return accusation, requiring patience while the banks resolve their disagreement about return processing records.
- Allow the vendor's bank to handle their dispute about the duplicate return claim
- Monitor the inter-bank dispute resolution process without taking action
- Communicate with the vendor about the bank dispute causing the delay
- Contact the vendor's bank if the dispute resolution becomes excessively delayed
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