Merchant Onboarding API Error E00001

[qfaison]

We are getting the following error which is not helping us troubleshoot the last step of the process

"code" : "E00001",
		"text" : "An error occurred during processing. Please try again.",
		"description" : "An unexpected system error occurred while processing this request.",
		"integration_suggestions": "",
		"other_suggestions": ""

Here is the payload (Can anyone see something I am missing.  I am in the sandbox with fake data)

Here is the XML I am sending (it is just fake data, mostly random letters):

<resellerCreateMerchantRequest
                xmlns= "AnetApi/xml/v1/schema/AnetApiSchema.xsd">
                <resellerAuthentication>
                               <name>bizdev05</name>
                               <apiKey>4kJd237rZu59qAZd</apiKey>
                </resellerAuthentication>
                <refId>21</refId>
                <merchant>
                               <name>Marek Cifra</name>
                               <businessAddress>
                                               <streetAddress>47 W 13th St</streetAddress>
                                               <city>New York</city>
                                               <state>AZ</state>
                                               <zip>10011</zip>
                                               <country>US</country>
                               </businessAddress>
                               <phone>(123)456-7890</phone>
                               <email>pppopo@cifra.sk</email>
                               <sendActivationEmail>true</sendActivationEmail>
                               <businessInfo>
                                               <businessType>SoleProprietorShip</businessType>
                                               <taxId>999887777</taxId>
                                               <ageOfBusiness>0</ageOfBusiness>
                                               <productsSold>super duper company</productsSold>
                                               <sicCode>4511</sicCode>
                                               <marketTypeId>0</marketTypeId>
                               </businessInfo>
                               <ownerInfo>
                                               <name>Marek Marek</name>
                                               <title>Owner</title>
                                               <address>
                                                               <streetAddress>47 W 13th St</streetAddress>
                                                               <city>New York</city>
                                                               <state>AZ</state>
                                                               <zip>10011</zip>
                                                               <country>US</country>
                                               </address>
                                               <ssn>999887777</ssn>
                               </ownerInfo>
                               <billingProfile>
                                               <billingBankInfo>
                                                               <nameOnBankAccount>Marek</nameOnBankAccount>
                                                               <bankAccountType>Checking</bankAccountType>
                                                               <bankAccountOwnerType>Business</bankAccountOwnerType>
                                                               <bankABACode>031000053</bankABACode>
                                                               <bankAccountNumber>543534543</bankAccountNumber>
                                                               <bankName>rwerew</bankName>
                                                               <bankCity>Ambler</bankCity>
                                                               <bankState>PA</bankState>
                                                               <bankZip>19002</bankZip>
                                                               <defaultBillingMethod>true</defaultBillingMethod>
                                               </billingBankInfo>
                               </billingProfile>
                               <paymentGrouping>
                                               <paymentTypes>
                                                               <paymentType>V</paymentType>
                                                               <paymentType>M</paymentType>
                                                               <paymentType>D</paymentType>
                                                               <paymentType>A</paymentType>
                                                               <paymentType>C</paymentType>
                                                               <paymentType>E</paymentType>
                                                               <paymentType>J</paymentType>
                                               </paymentTypes>
                               </paymentGrouping>
                               <services>
                                               <merchantService>
                                                               <id>8</id>
                                                               <serviceBuyRatePrograms>
                                                                               <serviceBuyRateProgram>
                                                                                              <id>118</id>
                                                                                              <isDefault>false</isDefault>
                                                                                              <isSelfProvisioning>false</isSelfProvisioning>
                                                                                              <description>SetupFee $25.00 - GWFee $15.00 - TransFee $0.05 - Threshold 1</description>
                                                                                              <fees>
                                                                                                              <fee>
                                                                                                                              <id>11</id>
                                                                                                                              <singleTiered>true</singleTiered>
                                                                                                                              <rateType>
                                                                                                                                              <id>1</id>
                                                                                                                                              <description>Dollar</description>
                                                                                                                              </rateType>
                                                                                                                              <tiers>
                                                                                                                                              <feeTier>
                                                                                                                                                             <sellRate>-1</sellRate>
                                                                                                                                                             <buyRate>15.0000</buyRate>
                                                                                                                                              </feeTier>
                                                                                                                              </tiers>
                                                                                                                              <description>Gateway Monthly Fee</description>
                                                                                                                              <settable>true</settable>
                                                                                                              </fee>
                                                                                                              <fee>
                                                                                                                              <id>19</id>
                                                                                                                              <singleTiered>true</singleTiered>
                                                                                                                              <rateType>
                                                                                                                                              <id>1</id>
                                                                                                                                              <description>Dollar</description>
                                                                                                                              </rateType>
                                                                                                                              <tiers>
                                                                                                                                              <feeTier>
                                                                                                                                                             <sellRate>-1</sellRate>
                                                                                                                                                             <buyRate>0.0500</buyRate>
                                                                                                                                              </feeTier>
                                                                                                                              </tiers>
                                                                                                                              <description>Credit Card Per-Transaction Fee</description>
                                                                                                                              <settable>true</settable>
                                                                                                              </fee>
                                                                                                              <fee>
                                                                                                                              <id>21</id>
                                                                                                                              <singleTiered>true</singleTiered>
                                                                                                                              <rateType>
                                                                                                                                              <id>1</id>
                                                                                                                                              <description>Dollar</description>
                                                                                                                              </rateType>
                                                                                                                              <tiers>
                                                                                                                                              <feeTier>
                                                                                                                                                             <sellRate>-1</sellRate>
                                                                                                                                                             <buyRate>0.0500</buyRate>
                                                                                                                                              </feeTier>
                                                                                                                              </tiers>
                                                                                                                              <description>Batch Fee</description>
                                                                                                                              <settable>true</settable>
                                                                                                              </fee>
                                                                                              </fees>
                                                                               </serviceBuyRateProgram>
                                                               </serviceBuyRatePrograms>
                                               </merchantService>
                                               <merchantService>
                                                               <id>17</id>
                                               </merchantService>
                               </services>
                               <resellerProfileId>101030</resellerProfileId>
                </merchant>
</resellerCreateMerchantRequest>