Written Statement of Unauthorized Debit Copy (WSUD)

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Case Type Description | Proper Usage

Written Statement of Unauthorized Debit Copy (WSUD) – Used by the originating depository financial institution (ODFI) to request the written statement of unauthorized debit from the receiving depository financial institution (RDFI).

If you need to send a WSUD, submit an exception request to the Federal Reserve Banks.

Information about Written Statement of Unauthorized Debit Copy (WSUD) Federal Reserve Banks’ case reporting time frames and actions.
Federal Reserve Bank Reporting Time Frame	If	Then the Federal Reserve Banks will
Within two calendar years of the ACH entry date.	The Requestor is a Full-Service Participant* and the Responder is a Full-Service Participant or a Partial Service Participant* of the Exception Resolution Service	Send a same day acknowledgement to the Requestor if received by 8:00 p.m. ET Send a new exception case to the Responder
Within two calendar years of the ACH entry date.	No response is received from the Responder after 10 business days from receipt of the request	Send a cancellation message to the Requestor and close the case
Within two calendar years of the ACH entry date.	The Requestor receives a response and no action is taken by the Requestor after 10 business days from receipt of the response	Close the case
Within two calendar years of the ACH entry date.	The Requestor is not a Full-Service Participant of the Exception Resolution Service	Send a cancellation message to the Requestor and close the case
Within two calendar years of the ACH entry date.	The Responder is not a Participating Bank of the Exception Resolution Service	Send a cancellation message to the Requestor and close the case

*Refer to the General Notes section for the definitions of the Exception Resolution Service Participant roles.

Required Fields

Information about Written Statement of Unauthorized Debit Copy (WSUD) required field names
Field Name	Field Description
Case Type	The investigation type that is being sent - WSUD.
Requestor ABA	The nine-digit routing number of the institution that is submitting the exception request to the Federal Reserve Banks.
Responder ABA	Auto-populates, after the ACH Transaction History Entry Lookup is performed (see below), with the nine-digit routing number of the institution that will receive the exception request from the Federal Reserve Banks.
Contact Name	The name of an individual who could be contacted regarding the submission of the exception request.
Telephone Number / Extension	The telephone number of the Requestor; to be used if there was a question regarding the exception request.
Reference Number	The reference number assigned to the exception as it is known by the Requestor of the message.

ACH Transaction History Entry Lookup

To ensure accuracy of the exception case, the Requestor must perform an entry lookup to populate transaction data. The entry search criteria is below.
Field Name	Field Description
Settlement Date	The date an ACH transaction was settled in batch. If the Settlement date is keyed, the processing start and end date range will be automatically populated.
Processing Start Date	The date an ACH transaction was processed. Required if the settlement date is not entered as search criteria. If only the processing start date is keyed, a search will occur only on that date. To search using a date range, enter a Processing End Date as well.
Processing End Date	Required for a date range search. Enter the Processing Start and End date.
Trace Number	The trace number assigned to the item, by the originator of the entry, involved in the exception request.
Account Number	The account number from the ACH entry.
Amount	The amount of the item that is the subject of the exception request.
Originator Name	The Originator’s name from the batch header.
Originating ID	The Originator’s ID from the batch header.

Transaction Information

Once the ACH Transaction History Entry Lookup is performed, the system will list transactions that match the data entered. The below fields will be viewable for each transaction.
Field Name	Field Description
Settlement Date	The date an ACH transaction was settled in batch.
Effective Entry Date	The date the transaction was settled through the Federal Reserve Bank.
Originating DFI	The nine-digit routing number of the institution that originated the ACH entry.
Receiving DFI	The nine-digit routing number of the institution that received the ACH entry.
Trace Number	The trace number assigned to the item, by the originator of the entry, involved in the exception request.
Entry Amount	The amount of the item that is the subject of the exception request.
Account Number	The account number from the ACH entry.
Individual or Company Name	The account holder’s name (individual or company name) from the ACH entry.
Check Serial Number	Serial number of the check from a Converted Check Copy (not populated if the case type is not CCC).
Transaction Code	The National Automated Clearing House Association (NACHA) transaction code.
Transaction Type	Identifies the transaction type as a debit or credit entry.
Originator ID	The Originator’s ID from the batch header.
Originator Name	The Originator’s name from the batch header.
Processing Date	The date the ACH transaction was processed.
Sec Code	The NACHA Standard Entry Class (SEC) code.

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