In response to your substitute-check claim,
we provided a refund of (amount) by crediting your account
on (date(s)). We now have determined that your substitute-check
claim was not valid. As the enclosed (type of document, for example
original check or sufficient copy) shows, (describe reason
for reversal, for example the check was properly posted, the signature
is authentic, there was no warranty breach). As a result, we have
reversed the refund to your account [plus interest that we have paid
you on that amount] by withdrawing (amount) from your account
on (date).
[We have also enclosed a copy of the other information
we used to make our decision.] [Upon your request, we will send you
a copy of the information we used to make our decision.]
