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Pull Transaction, SC:409 EM:referenceID

Hello, trying to post a Pull Transaction. Here's an OOP view:

CreateTransactionRequest(
    referenceID=c0EfLxA0WI6iKqF,
    correspondingID=null,
    corresponding=null,
    type=PULL,
    accounts=Accounts(
        sourceAccountID=null,
        sourceAccount=SourceAccount(
        card=Card(
                accountNumber=null,
                expirationDate=null,
                securityCode=null,
                keyID=null,
                data=null,
                token=80A5E8RPFYCyBSI7PeEJ...,
                device=null,
                mobilePay=null,
                processor=null),
                bank=null,
                owner=Owner(
                    name=Name(
                        company=null,
                        first=Foo,
                        middle=null,
                        last=Bar,
                        suffix=null
                    ),
                    address=null,
                    phone=null
                )
        ),
        destinationAccountID=AAgoNTEEAUbkx...,
        destinationAccount=null
    ),
    amount=0.04,
    currency=840,
    ofacValue=null,
    memo=null,
    achOptions=null,
    pullOptions=null,
    softDescriptor=null,
    location=null
)

Here's the response we're getting:

{
    "SC":409,
    "EC":"3C557550",
    "EM":"referenceID"
}

Any tips or suggestions are most welcome.

Thanks!