In many cases, the reason an opted-out member receives the non-return fee is because this transaction is a recurring payment.  Recurring transactions are not covered by the Reg. E Opt In/Out requirements. You can identify this by the * after the DBT/WDR in the eighth position of the transaction description on the member's transaction history. Recurring transactions are posted, and the member is charged the fee, even if the member is Opted Out.