R76

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High-Priority Return Code

This ACH return code indicates that the RDFI is contesting a dishonored return entry from the ODFI that used R69 field errors as justification. R76 occurs when the receiving bank disputes the originating bank's claim that their original return contained errors in critical fields such as account numbers, amounts, or identification details.

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Error message: "The original return entry did not contain the errors indicated by the ODFI in the dishonored return entry."

What Causes ACH Return Code R76?

The R76 ACH return code means "No Errors Found" and indicates that the RDFI is contesting a dishonored return entry that was rejected by the ODFI using R69 field errors as justification. This occurs when the receiving bank disputes the originating bank's claim that their original return contained errors in fields such as DFI numbers, trace numbers, dollar amounts, identification numbers, transaction codes, or effective entry dates.

R76 represents a defensive response from the RDFI when they believe the ODFI incorrectly identified field errors in their return processing. This code serves as a formal dispute mechanism allowing receiving banks to challenge field error accusations and assert that their original return entry was accurate and compliant with NACHA standards.

Can You Retry R76 Payments?

You cannot directly retry R76 payments since this code represents a dispute between banks about field error claims rather than a transaction processing issue. Resolution requires waiting for the RDFI to handle their contestation of the field error accusations, or contacting them directly if significant time passes without resolution.

Common Causes

RDFI disputes ODFI's R69 field error accusations

Receiving bank claims their original return had no errors

Disagreement about accuracy of DFI numbers, amounts, or IDs

ODFI incorrectly identifies field errors in return processing

Record discrepancies between banks about return data quality

Key Information

Return timeframe: Varies based on dispute resolution

Used to contest R69 field error accusations specifically

Represents inter-bank dispute about return accuracy

Requires RDFI to handle the field error contestation

Resolution depends on clarifying actual field accuracy

How to Respond to an R76 Code

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An R76 return indicates the RDFI is disputing field error accusations from the ODFI, 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 field error accusations.
Monitor Dispute Progress
Track the resolution process between the banks regarding the contested field errors.
Contact RDFI if Delayed
Reach out to the receiving bank's ACH operations department if the dispute extends beyond reasonable timeframes.
Document Transaction Details
Maintain comprehensive records in case additional verification of field accuracy is needed.

Email Template

Subject: Payment Dispute Resolution - Banks Clarifying Field Accuracy

Hi [Customer Name],

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Your recent payment is involved in a dispute between banks regarding the accuracy of return processing. The receiving bank is contesting accusations that their original return contained field errors.

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This represents a disagreement between financial institutions about data accuracy in their return processing rather than an issue with your payment itself. The banks are working to clarify their records and resolve the dispute about field error claims.

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We expect this inter-bank dispute to be resolved within 3-5 business days. We'll contact you immediately once the banks have clarified the accuracy of their processing and determined the proper status of your payment.

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Thank you for your patience,

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[Your Company Name]

When Your Payment to Vendors Fails

An R76 return on vendor payments indicates that the vendor's bank is disputing field error accusations from your bank, requiring patience while the institutions resolve their disagreement about return processing accuracy.