Genuine - UNC Details (91 - Questionable Color) :(

I purchased a 1887 Morgan Dollar from a guy I know, who deals in gold and silver. He buys entire collections sometimes.
Anyway, I submitted the coin to PCGS and in the meantime I waited for other experts to chime in on the grade. All of them said between MS62 and MS64. None of them questioned the toning.
The coin itself had been in an estate. Untouched for at least 90 years.
The coin came back as code 91.

I can't see how this coin is A/T. No one else I have showed it to can either.
The coin has not yet left the PCGS shipping department. I'm wondering if I should call them up, and ask to have it redone, so I don't have to ship it back, or just live with it.
If you have evidence to claim it's A/T, please provide me with it. I am really baffled as to how this earned a code 91.
Anyway, I submitted the coin to PCGS and in the meantime I waited for other experts to chime in on the grade. All of them said between MS62 and MS64. None of them questioned the toning.
The coin itself had been in an estate. Untouched for at least 90 years.
The coin came back as code 91.

I can't see how this coin is A/T. No one else I have showed it to can either.
The coin has not yet left the PCGS shipping department. I'm wondering if I should call them up, and ask to have it redone, so I don't have to ship it back, or just live with it.
If you have evidence to claim it's A/T, please provide me with it. I am really baffled as to how this earned a code 91.
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Comments
Buy those toners now!!!!
Eric
Lance.
Code 91 is not always meaning artificial toning but can mean not market acceptable toning.
Accept the opinion and either try again or give up.
Lance.
<< <i>I'll bet that's futile. PCGS won't say "oh wait, you're right.
Accept the opinion and either try again or give up.
Lance. >>
I think they are willing to look at one coin in the submission again. If you are correct, they will look at more upon request.
If you need help with Morgan varieties, send me a PM (Private Message). Thanks
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<< <i>The problem might be the difference in the degree of the toning on the obverse and the almost terminal toning on the reverse.
Code 91 is not always meaning artificial toning but can mean not market acceptable toning. >>
I was wondering about this also . . . I mean how does a coin get the kind of target toning that generally comes from spending years in an album only on one side?
Then I conjectured that it could have been in a crimped end paper roll for years. Were dollar rolls ever rolled with crimped ends? All the EOR toned dollars that I have seen have come from folded wrapper ends.
But however it happened, the toning looks natural to me.
HH
1947-P & D; 1948-D; 1949-P & S; 1950-D & S; and 1952-S.
Any help locating any of these OBW rolls would be gratefully appreciated!
<< <i>
<< <i>I'll bet that's futile. PCGS won't say "oh wait, you're right.
Accept the opinion and either try again or give up.
Lance. >>
I think they are willing to look at one coin in the submission again. If you are correct, they will look at more upon request. >>
Yes. They will recheck it. But a change of mind will not come because the owner is upset. PCGS will have to see something it missed, or the grader/finalizer will have to admit a judgment error.
It has happened, I'm sure. I'll bet it's a very low percentage.
Lance.
I called PCGS this morning. I explained to them that the coin had been in a Whitman folder for the past 30-40 years. This would account for the amount of single-sided toning.
As a 1 time courtesy, they are going to hold the submission, and have a grader take another look at the Morgan. They could not promise me it would grade, but to me, it's better then having to resubmit it, which I would not of done due to cost.
<< <i>Update:
I called PCGS this morning. I explained to them that the coin had been in a Whitman folder for the past 30-40 years. This would account for the amount of single-sided toning.
As a 1 time courtesy, they are going to hold the submission, and have a grader take another look at the Morgan. They could not promise me it would grade, but to me, it's better then having to resubmit it, which I would not of done due to cost. >>
With all respect, PCGS does not care nor should care about a person's claim to where a coin was stored or handled. That is all irrelevant because it cannot be proven. The coin must stand on it's own.
<< <i>The problem might be the difference in the degree of the toning on the obverse and the almost terminal toning on the reverse.
Code 91 is not always meaning artificial toning but can mean not market acceptable toning. >>
This!
I love nice toning, which is what this Morgan might have had 40 or 50 years earlier. This is a bit too dark for my taste, but others might disagree.
It looks more like "Shotgun Roll Toning" to me, which would explain why the obverse is almost tone free
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I am not sure what PCGS looks for in a toned coin and what makes them give out the dreaded Code 91
but I sent 10 ASEs to them 2 years ago and everyone graded and then I sent 15 more last year and they
all came back Code 91 . Now the second batch looked just same as the first and also came out of a Dansco
holder but they wouldn't grade them.
I'm affraid to send this one in and even more after reading the OP.
The 91 is a bummer, hope it works out in your favor