@katherinejoyceO you are not hearing us, you are basically reciting the help info. I just had this happen also.

When looking online at the R04 error, it states the reason as being "No Account/Unable to Locate Account/Invalid Account Number The account number doesn't match the individual on the payment, or the account isn't valid." 

Then, right next to it, to resolve, it says "Change the deposit bank account for QuickBooks Payments." THESE ARE CONFLICTING STATEMENTS. The issue is the customer supplied bad routing and/or account numbers, yet QB says we should change our bank account info WHEN THE FUNDS HAVE BEEN DEPOSITED AND THE SUBSEQUENTLY WITHDRAWN. Then, we are charged $10 for something that WAS NOT OUR FAULT and have to spend time fixing it in QB.

Why does QB allow a customer to supply bad info, move the funds to the user's bank and then when they get notified there was an error, take the funds away? This is HUGE problem as it opens up a window for fraud. A customer could easily pay online with false info, go pick up goods or receive services and then we end up getting the funds taken away.

Thank goodness when this happened to me it was for a down payment and my customer quickly showed up with a paper check.