This is a code we receive when attempting to credit a debit card, but the debit card's issuing bank is refusing the transaction.
This code does not indicate a problem on Dave's end. In fact, we'll only see this code if everything is working correctly. It just means that the bank is rejecting our attempt to credit your debit card.
There's not much that can be done in this situation, but it is sometimes helpful to contact the bank that issues your debit card and inquire why they would reject a transaction from Dave.