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As noted, the NACHA rule applies only to returned debits through the ACH network.
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NACHA has a specific threshold for unauthorized returns, which involve transactions that originally collected funds from a consumer's account but that the consumer is disputing as unauthorized.
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They passed me to a hard closer who went on to claim that all mortgage lenders have to quote the same rate by law and my other lenders were simply quoting a lower rate to pull a fast one on me later.
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