R10

Customer Advises Originator Not Known / Not Authorized

The RDFI has been notified by the Receiver that the entry is unauthorized, improper, ineligible, or part of an incomplete transaction.

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

What to do next

Suspend all schedules against this account and do not re-originate. There is no ACH-network dispute resolution — pursue the debt outside the network if you hold valid proof of authorization.

Awaiting expert review

The official title is unstable across sources: the 2018 NACHA directory reads 'Customer Advises Unauthorized, Improper, Ineligible, or part of an Incomplete Transaction'; BMO (2021) reads differently again. The 2020/2021 R10/R11 change reallocated meaning between the two codes — confirm the current title and scope against your target Rules edition.