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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!