generated: '2026-09-05' method: searched source: Error / reject code tables published in the Citizens API user guides at https://developer.citizensbank.com/content/qut/ (Payments v1.3 2025-12-11 section 6; Account Transfer v1.0 2026-05-29 section 6; Account Validation v1.6 2026-04-30 section 8; Information Reporting v1.6 2026-07-22). provider: Citizens Financial Group providerId: citizens-financial-group format: proprietary envelope: media_type: application/json fields: - result (FATAL | WARNING) - source (originating system) - errorDetails[] { code, description, messageDetail } schema_reference: openapi/_original/citizens-payments-v3.json#/components/schemas/Error support: phone: 877-550-5933 (401-282-1362) email: clientservices@mail.client.citizensbank.com hours: 24 hours a day, 7 days a week note: Published in the Account Validation user guide for errors that cannot be resolved by correcting the request. catalogs: - api: Payments docs: https://developer.citizensbank.com/content/qut/CitizensPaymentAPIUserGuide.pdf code_count: 105 codes: - code: AUT4001 status: Authorization Error description: Authorization Error http_status: 401 - code: CON5000 status: Connection Error description: Connection Error http_status: 500 - code: DEF0001 status: Internal Error description: Internal Error http_status: 500 - code: BDR4000 status: Bad Request description: Bad Request http_status: 400 - code: REQ1001 description: Request Id should not be more than 36 characters long http_status: 400 - code: REQ1002 description: requestId is a mandatory parameter in the request. It cannot be null or blank. http_status: 400 - code: UNK9999 status: Internal Server Error description: Internal Server Error http_status: 500 - code: PMT3001 description: Routing Number is required parameter in the request; it cannot be Null or Blank http_status: 400 - code: PMT3002 description: Routing Number should be 9 digits long http_status: 400 - code: PMT3003 description: paymentType is a mandatory parameter in the request. It cannot be null or blank. http_status: 400 - code: PAY3004 description: Invalid Payment Type http_status: 400 - code: BDR4001 description: Request body should not be null http_status: 400 - code: REQ1003 description: requestId must contain only alphabets, digits, period(.), comma (,), space, hyphen (-), underscore (_) and @ characters. http_status: 400 - code: PMT1001 description: paymentId is a mandatory parameter in the request. It cannot be null or blank. http_status: 400 - code: PMT1002 description: paymentId should not be more than 15 characters long. http_status: 400 - code: PMT1003 description: paymentId should be unique. paymentId provided in this request has already been processed. - code: PMT1004 description: paymentAccountInformation is a mandatory object in the request. It cannot be null or blank. http_status: 400 - code: PMT1005 description: routingNumber is a mandatory parameter inside paymentAccountInformation. It cannot be null or blank. http_status: 400 - code: PMT1006 description: accountNumber is a mandatory parameter inside paymentAccountInformation. It cannot be null or blank. http_status: 400 - code: PMT1007 description: counterpartyAccountInformation is a mandatory object in the request. It cannot be null or blank. http_status: 400 - code: PMT1008 description: routingNumber is a mandatory parameter inside counterpartyAccountInformation. It cannot be null or blank. http_status: 400 - code: PMT1009 description: accountNumber is a mandatory parameter inside counterpartyAccountInformation. It cannot be null or blank. http_status: 400 - code: PMT1010 description: accountNumber should not contain any special characters. http_status: 400 - code: PMT1011 description: routingNumber should contain 9 digits only. http_status: 400 - code: PMT1012 description: accountNumber should not be more than 17 characters long. http_status: 400 - code: PMT1013 description: amount is a mandatory parameter in the request. It cannot be null or blank. http_status: 400 - code: PMT1015 description: amount should be positive and greater than zero. http_status: 400 - code: PMT1016 description: memo should be between 1 and 140 characters long. http_status: 400 - code: PMT1017 description: paymentType is a mandatory parameter in the request. It cannot be null or blank. http_status: 400 - code: PMT1018 description: Invalid value provided for paymentType. Valid values are RTP, ACH_CREDIT, ACH_DEBIT. http_status: 400 - code: PMT1019 description: line1 is a mandatory parameter in the debtor postalAddress object. It cannot be null or blank. http_status: 400 - code: PMT1020 description: line1 in debtor postalAddress object should not be more than 70 characters long. http_status: 400 - code: PMT1021 description: line2 in debtor postalAddress object should not be more than 70 characters long. http_status: 400 - code: PMT1022 description: city is a mandatory parameter in the in the debtor postalAddress object. It cannot be null or blank. http_status: 400 - code: PMT1023 description: city in debtor postalAddress object should not be more than 35 characters long. http_status: 400 - code: PMT1024 description: state in debtor postalAddress object should be between 1 and 35 characters long. http_status: 400 - code: PMT1025 description: postalCode is a mandatory parameter in the debtor postalAddress object. It cannot be null or blank http_status: 400 - code: PMT1026 description: postalCode in debtor postalAddress object should not be more than 16 characters long http_status: 400 - code: PMT1027 description: country in debtor postalAddress object should be 2 characters long. http_status: 400 - code: PMT1028 description: Invalid paymentId. It should not contain spaces. http_status: 400 - code: PMT1029 description: There is no transaction matching the provided paymentId. http_status: 404 - code: PMT1030 description: country in debtor postalAddress object should only contain capital letters. http_status: 400 - code: PMT1031 description: line1 is a mandatory parameter in the ultimateDebtor postalAddress object. It cannot be null or blank. http_status: 400 - code: PMT1032 description: line1 in ultimateDebtor postalAddress object should not be more than 70 characters long. http_status: 400 - code: PMT1033 description: line2 in ultimateDebtor postalAddress object should not be more than 70 characters long. http_status: 400 - code: PMT1034 description: city is a mandatory parameter in the ultimateDebtor postalAddress object. It cannot be null or blank. http_status: 400 - code: PMT1035 description: city in ultimateDebtor postalAddress object should not be more than 35 characters long. http_status: 400 - code: PMT1036 description: state in ultimateDebtor postalAddress object should be between 1 and 35 characters long. http_status: 400 - code: PMT1037 description: postalCode is a mandatory parameter in the ultimateDebtor postalAddress object. It cannot be null or blank http_status: 400 - code: PMT1038 description: postalCode in ultimateDebtor postalAddress object should not be more than 16 characters long http_status: 400 - code: PMT1039 description: country in ultimateDebtor postalAddress object should be 2 characters long. http_status: 400 - code: PMT1040 description: country in ultimateDebtor postalAddress object should only contain capital letters. http_status: 400 - code: PMT1100 description: name is a mandatory parameter in the ultimateDebtor object. It cannot be null or blank. http_status: 400 - code: PMT1101 description: name is a mandatory parameter in the counterpartyAddressInformation object. It cannot be null or blank. http_status: 400 - code: PMT1102 description: counterpartyAddressInformation object is mandatory in the request when rtpDetails are provided. http_status: 400 - code: PMT1103 description: rtpDetails object becomes mandatory in the request when paymentType provided is RTP. http_status: 400 - code: PMT1104 description: Either one of rtpDetails or achDetails should be passed in the request based on the paymentType provided. http_status: 400 - code: PMT1105 description: name in the ultimateDebtor object should not be more than 140 characters long http_status: 400 - code: PMT1106 description: id in the ultimateDebtor object should not be more than 35 characters longachDetails object is not required in this request. Please remove and initiate payment again. http_status: 400 - code: PMT1107 description: name is a mandatory parameter in the debtor object. It cannot be null or blank. name in the ultimateCreditor object should not be more than 140 characters long http_status: 400 - code: PMT1108 description: id name in the ultimateCreditor debtor object should not be more than 14035 characters long. http_status: 400 - code: PMT1109 description: id in the ultimateCreditor object should not be more than 35 characters long http_status: 400 - code: PMT1110 description: id in the counterpartyAddressInformation object should not be more than 35 characters long http_status: 400 - code: PMT1111 description: amount for an RTP transaction can have a maximum of 11 digits before decimalthe decimal and maximuma maximum of 2 digits after the decimal. http_status: 400 - code: PMT1112 description: name in the counterpartyAddressInformation object should not be more than 140 characters long. http_status: 400 - code: PMT1113 description: line1 is a mandatory parameter in the counterpartyAddressInformation postalAddress object. It cannot be null or blank. http_status: 400 - code: PMT1114 description: line1 in the counterpartyAddressInformation postalAddress object should not be more than 70 characters long. http_status: 400 - code: PMT1115 description: line2 in counterpartyAddressInformation postalAddress object should not be more than 70 characters long. http_status: 400 - code: PMT1116 description: city is a mandatory parameter in the counterpartyAddressInformation postalAddress object. It cannot be null or blank. http_status: 400 - code: PMT1117 description: city in counterpartyAddressInformation postalAddress object should not be more than 35 characters long. http_status: 400 - code: PMT1118 description: state in counterpartyAddressInformation postalAddress object should be between 1 and 35 characters long. http_status: 400 - code: PMT1119 description: postalCode is a mandatory parameter in the counterpartyAddressInformation postalAddress object. It cannot be null or blank http_status: 400 - code: PMT1120 description: postalCode in counterpartyAddressInformation postalAddress object should not be more than 16 characters long. http_status: 400 - code: PMT1121 description: country in counterpartyAddressInformation postalAddress object should only contain capital letters. http_status: 400 - code: PMT1122 description: country in counterpartyAddressInformation postalAddress object should be 2 characters long. http_status: 400 - code: PMT1200 description: achDetails object becomes mandatory in the request when paymentType provided is ACH_CREDIT or ACH_DEBIT. http_status: 400 - code: PMT1201 description: standardEntryClassCode is a mandatory parameter in achDetails. It cannot be null or blank. http_status: 400 - code: PMT1202 description: Invalid value provided for StandardEntryClassCode. Valid values are CCD, PPD, WEB, CTX. http_status: 400 - code: PMT1203 description: cCompanyDescriptiveDate in achDetails should not be more than 6 characters long. http_status: 400 - code: PMT1204 description: effectiveEntryDate is a mandatory parameter in achDetails. It cannot be null or blank. http_status: 400 - code: PMT1205 description: effectiveEntryDate in achDetails should not be more than 10 characters long. http_status: 400 - code: PMT1206 description: Invalid value provided for prenote. Valid values are YES, NO. http_status: 400 - code: PMT1207 description: companyDiscretionaryData in achDetails should not be more than 20 characters long. http_status: 400 - code: PMT1208 description: companyEntryDescription is a mandatory parameter in achDetails. It cannot be null or blank. http_status: 400 - code: PMT1209 description: companyEntryDescription in achDetails should not be more than 10 characters long. http_status: 400 - code: PMT1210 description: counterpartyAccountType is a mandatory parameter in achDetails. It cannot be null or blank. http_status: 400 - code: PMT1211 description: Invalid value provided for counterpartyAccountType. Valid values are CHECKING, SAVINGS. http_status: 400 - code: PMT1212 description: counterpartyName is a mandatory parameter in achDetails. It cannot be null or blank. http_status: 400 - code: PMT1213 description: counterpartyName in achDetails should not be more than 16 characters long for transactions having SEC code as CTX and 22 characters long for transactions with SEC codes other than CTX. http_status: 400 - code: PMT1214 description: identificationNumber in achDetails should not be more than 15 characters long. http_status: 400 - code: PMT1215 description: addenda in achDetails should not be more than 80 characters long. http_status: 400 - code: PMT1216 description: Invalid value provided for paymentTypeCode. Valid values are RECURRING, SINGLE or STANDING_AUTHORIZATION. http_status: 400 - code: PMT1217 description: rtpDetails object is not required in this request. Please remove and initiate payment again. - code: PMT1218 description: Invalid pattern for effectiveEntryDate. Valid pattern is YYYY-MM-DD. http_status: 400 - code: PMT1219 description: counterpartyInformation is a mandatory parameter in achDetails. It cannot be null or blank. http_status: 400 - code: PMT1220 description: amount for an ACH transaction can have a maximum of 8 digits before decimal and maximum of 2 digits after the decimal. http_status: 400 - code: PMT1221 description: Only one addenda record can be passed for transactions having SEC code as CCD, PPD, WEB. http_status: 400 - code: PMT1222 description: Maximum 9999 addenda records can be passed for transactions having SEC code as CTX. http_status: 400 - code: PMT1223 description: amount should be 0 if prenote is set as YES http_status: 400 - code: PMT1224 description: effectiveEntryDate provided is an invalid date. http_status: 400 - code: PMT1225 description: companyIdentification in achDetails should not be more than 10 characters long. http_status: 400 - code: PMT1226 description: companyIdentification is a mandatory parameter in achDetails. It cannot be null or blank. http_status: 400 - code: PMT1227 description: companyName in achDetails should not be more than 16 characters long. http_status: 400 - code: PMT1228 description: companyName is a mandatory parameter in achDetails. It cannot be null or blank. http_status: 400 - code: ENT1001 description: User is not entitled to initiate payment from this account number. http_status: 401 - api: Account Transfer docs: https://developer.citizensbank.com/content/qut/CitizensAccountTransferAPIUserGuide.pdf code_count: 9 codes: - code: AUT4001 status: Authorization Error description: 'Occurs when: (1) JWT token is invalid, (2) JWT token is expired, or (3) scope provided is incorrect or not permitted' http_status: 401 - code: CON5000 status: Connection Error description: Occurs when the backend API is down or a connection cannot be successfully established http_status: 500 - code: DEF0001 status: Internal Error description: Indicates an unexpected failure in the backend or gateway server during request processing http_status: 500 - code: BDR4000 status: Bad Request description: Occurs when requested request headers are missing or invalid, including cases where x-fapi-trace-id exceeds 36 characters or x- fapi-channel-id exceeds 20 characters http_status: 400 - code: AT-404 status: Not Found description: The requested resource does not exist on the server http_status: 404 - code: AT-408 status: Request Timeout description: The server timed out waiting for the request http_status: 408 - code: AT-409 status: Conflict description: The request could not be completed due to a conflict with the current state of the resource http_status: 409 - code: AT-429 status: Too many requests description: The user has sent too many requests in a given time frame (rate limiting) http_status: 429 - code: AT-500 status: Internal Server Error description: A generic error occurred on the server. Could be due to an upstream service failure http_status: 500 - api: Account Validation docs: https://developer.citizensbank.com/content/qut/CitizensAccountValidationAPIUserGuide.pdf code_count: 67 codes: - code: AUT4001 status: Authorization Error description: 'Occurs when: (1) JWT token is invalid, (2) JWT token is expired, or (3) scope provided is incorrect or not permitted' http_status: 401 - code: BDR4000 status: Bad Request description: Occurs when required request headers are missing or invalid, including cases where x-fapi-trace-id exceeds 36 characters or x-fapi-channel-id exceeds 20 characters http_status: 400 - code: AV-3000 description: Billing account can't be found. Please try again next day. - code: AV-3001 description: Returned inquiry status is not valid. - code: AV-3002 description: Provided client details are invalid. - code: AV-4000 description: Provided reference ID is not valid. - code: AV-4001 description: You have exceeded the rate limit for the number of status requests. - code: AV-4002 description: Provided reference ID is not valid for this requester. - code: AV-4003 description: Provided country is not supported. - code: AV-4004 description: Bank Id Type and Bank Account Type must be provided. - code: AV-4005 description: Bank Id Type value and Bank Account Type value must be provided. - code: AV-4006 description: Bank Id Type is not supported. - code: AV-4007 description: Bank Account Type is not supported. - code: AV-4008 description: Name field length is not valid. - code: AV-4009 description: Either first name and last name or company name can be entered, not both. - code: AV-4010 description: First name and last name are not allowed for countries other than US. - code: AV-4011 description: National Id must not be empty when the country is BR or ZA. - code: AV-4012 description: National Id may only contain letters, numbers, forward slashes (/), periods (.), and dashes (-), and cannot be more than 35 chars in length. - code: AV-4013 description: Branch Id must not be empty when bank id is BRAZIL_BANK_CODE. - code: AV-4014 description: Branch Id may only contain numbers and dashes (-) and cannot be more than 8 chars in length. - code: AV-4015 description: National Id must not be empty when the country is CN and Bank Id Type is CNAPS or SWIFT_ID. - code: AV-4016 description: Business Name must not be empty when the country is HK, TH, MY or SG. - code: AV-5001 description: provided Bank Account Type or Bank Id Type is not supported for the provided country. - code: AV-6001 description: SWIFT_ID value may only contain letters and numbers and must be 8 or 11 chars in length. - code: AV-6002 description: IBAN value may only contain letters, numbers, and hyphens (-); and must be between 5 and 34 chars in length. - code: AV-6003 description: IFSC value may only contain letters and numbers and must be 11 chars in length. - code: AV-6004 description: CLABE value may only contain numbers and must be 18 chars in length. - code: AV-6005 description: USABA value may only contain numbers and must be 9 chars in length. - code: AV-6006 description: BRAZIL_BANK_CODE value may only contain numbers and must be 3 chars in length. - code: AV-6007 description: CBU value may only contain numbers and must be 22 chars in length. - code: AV-6008 description: CVU value may only contain numbers and must be 22 chars in length. - code: AV-6009 description: CCI value may only contain numbers and must be 20 chars in length. - code: AV-6010 description: CACPA value may only contain numbers and must be 9 chars in length. - code: AV-6011 description: CNAPS value may only contain numbers and must be between 12 and 14 chars in length. - code: AV-6012 description: ACCOUNT_NUMBER value may only contain letters, numbers, spaces, period (.) and hyphen (-); and must be between 1 and 34 chars in length. - code: AV-6013 description: ZANCC value may only contain numbers and must be up to 6 chars in length. - code: AV-7001 description: IBAN account number may only contain letters, numbers, and hyphens (-); and must be between 5 and 34 chars in length. - code: AV-7002 description: CLABE account number may only contain numbers and must be 18 chars in length. - code: AV-7003 description: BBAN account number may only contain letters and numbers and must be between 10 and 30 chars in length. - code: AV-7004 description: ACCOUNT_NUMBER may only contain letters, numbers, spaces, period (.) and hyphen (-); and must be between 1 and 34 chars in length. - code: AV-7005 description: CBU account number may only contain numbers and must be 22 chars in length. - code: AV-7006 description: CVU account number may only contain numbers and must be 22 chars in length. - code: AV-301 description: The request has been moved to a new URL. - code: AV-302 description: The requested resource resides temporarily under a different URL. - code: AV-400 description: The request is invalid. - code: AV-401 description: You do not have access to the requested resource. - code: AV-403 description: You do not have access to the requested resource. - code: AV-404 description: The requested resource could not be found. - code: AV-408 description: The server timed out waiting for the request. - code: AV-409 description: The requested resource having conflict in returning response. - code: AV-429 description: The user has sent too many requests in a given amount of time. - code: AV-500 description: The server has encountered an error and could not complete your request. - code: AV-501 description: The server does not recognize the request. - code: AV-502 description: The server was acting as a gateway or proxy and did not receive a timely response from the upstream server. - code: AV-503 description: The server is temporarily unavailable. - code: AV-504 description: The server did not receive a timely response from the upstream. - code: CIE-400 description: The request is invalid. - code: CIE-401 description: You do not have access to the requested resource. - code: CIE-403 description: You do not have access to the requested resource. - code: CIE-404 description: The requested resource could not be found. - code: CIE-408 description: The server timed out waiting for the request. - code: CIE-409 description: The requested resource having conflict in returning response. - code: CIE-500 description: The server has encountered an error and could not complete your request. - code: CIE-501 description: The server does not recognize the request. - code: CIE-502 description: The server was acting as a gateway or proxy and did not receive a timely response from the upstream server. - code: CIE-503 description: The server is temporarily unavailable. - code: CIE-504 description: The server did not receive a timely response from the upstream. - api: Information Reporting docs: https://developer.citizensbank.com/content/qut/CitizensInformationReportingAPIUserGuide.pdf code_count: 26 codes: - code: AUT4001 status: Authorization Error description: 'Occurs when: (1) JWT token is invalid, (2) JWT token is expired, or (3) scope provided is incorrect or not permitted' http_status: 401 - code: BDR4000 status: Bad Request description: When required request headers are missing or invalid, including cases where x-fapi-trace-id exceeds 36 characters or x-fapi-channel-id exceeds 20 characters http_status: 400 - code: CON5000 status: Connection Error description: Occurs when the backend API is down or a connection cannot be successfully established http_status: 500 - code: DEF0001 status: Internal Error description: This error indicates an unexpected failure in the backend or gateway server during request processing http_status: 500 - code: IR-400 status: Bad Request description: The request was malformed or missing required parameters http_status: 400 - code: IR-401 status: Unauthorized description: Authentication failed or user lacks valid credentials http_status: 401 - code: IR-403 status: Forbidden description: User is authenticated but not authorized to access the resource http_status: 403 - code: IR-404 status: Not Found description: The requested resource does not exist on the server http_status: 404 - code: IR-408 status: Request Timeout description: The server timed out waiting for the request. The request could not be completed due to a conflict with the current http_status: 408 - code: IR-409 status: Conflict description: state of the resource. The user has sent too many requests in a given time frame (rate http_status: 409 - code: IR-429 status: Too many requests description: limiting). A generic error occurred on the server. Could be due to an upstream http_status: 429 - code: IR-500 status: Internal Server Error description: service failure. The server does not support the functionality required to fulfill the http_status: 500 - code: IR-501 status: Not Implemented description: request http_status: 501 - code: IR-502 status: Bad Gateway description: The server received an invalid response from an upstream server. Request timeout http_status: 502 - code: IR-504 description: error The server did not receive a timely response from an upstream server. - code: IR-999 status: System Error description: An unspecified error occurred; no specific error code was configured http_status: 500 - code: CIE-400 status: Bad Request description: The request was invalid or cannot be served http_status: 400 - code: CIE-401 status: Unauthorized description: The request lacks valid authentication credentials http_status: 401 - code: CIE-403 status: Forbidden description: The user does not have permission to access the resource http_status: 403 - code: CIE-404 status: Not Found description: The requested resource could not be found http_status: 404 - code: CIE-408 status: Request Timeout description: The server timed out waiting for the request http_status: 408 - code: CIE-409 status: Conflict description: The request could not be processed due to a conflict http_status: 409 - code: CIE-500 status: Internal Server Error description: A server-side error occurred, possibly due to an upstream service failure http_status: 500 - code: CIE-501 status: Not Implemented description: The server does not recognize or support the request method http_status: 501 - code: CIE-502 status: Bad Gateway description: The server received an invalid response from an upstream server. Request timeout http_status: 502 - code: CIE-504 description: error The server did not receive a timely response from an upstream server. code_count: 207 notes: - 'Codes are shared across APIs by prefix: AUT4001 (authorization), CON5000 (connection), DEF0001 (internal), BDR4000/BDR4001 (bad request), REQ1001-REQ1003 (request id validation), CIE-4xx (gateway-level).' - RTP network reject codes are a separate ISO 20022 external-reason vocabulary and are catalogued in errors/citizens-financial-group-decline-codes.yml. - Citizens does not publish RFC 9457 application/problem+json; the envelope is proprietary. maintainers: - FN: Kin Lane email: kin@apievangelist.com