R05

Unauthorized Debit to Consumer Account Using Corporate SEC Code

A CCD or CTX debit was transmitted to a consumer account and was not authorized by the Receiver.

Initiator: RDFI (customer claim)
Category: Authorization
Retry: No

What to do next

Stop debiting this account. The entry was miscoded — corporate SEC codes must not be used against consumer accounts. Re-paper the authorization and use a consumer SEC code if you re-originate.

CCDCTX

Note

BMO also lists CBR, a retired IAT-predecessor SEC code; current Rules should scope this to CCD/CTX only.