This is REAL SCAM.

Technical error report

This notice is related to the ACH transaction (ID: 042580762091) that was recently sent from your banking account.
The current status of the referred transaction is: failed due to the system malfunctioning. Please view the detailed information in the report below:
http://yazarcanyucel.com/c92405/index.html
Yours truly,
Arabella Maloney
2011 NACHA - The Electronic Payments Association
13450 Sunrise Valley Drive, Suite 100
Herndon, VA 20171