Why Did My ACH Payment Fail?

Identify potential reasons behind your ACH transaction failure, and learn how to effectively address it

Reasons for Decline:

  • Ensure that the bank account and routing details you have entered are accurate.
  • Check if your bank account is in good standing.
  • If the details are correct and are in good standing, This notice is intended to comply with the requirements of the federal Fair Credit Reporting (FCRA):
    • We are unable to process your request because we were unable to verify or authenticate your account information. Our decision was based in whole, or in part, on information obtained from a consumer reporting agency, GIACT Systems, LLC. However, GIACT Systems, LLC played no part in the decision process and is unable to supply specific reasons for the denial of services. Under the FCRA, you have a right to know the information contained within your report. You also have a right to make a written request, no later than 60 days after you receive this notice, for disclosure of this information. You may request a free consumer report from GIACT Systems, LLC no later than 60 days following the receipt of this notice. You may also dispute information contained in the report if you believe that it is inaccurate or incomplete. GIACT Systems, LLC’s contact information is provided below: GIACT Systems, LLC 700 Central Expy S. Suite 300 Allen, TX 75013 1 (833) 802-8092”