Negative Business Letter PDF

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Union Bank of California 808 Sunnyvale Drive Beverly Hills, California 90210 [email protected] (973)-860-4513 September 5, 2019 Ms. Margaret Clemmons 6 North Road Delray Beach, Florida 33428 Dear Ms. Margaret Clemmons, Subject: Unauthorized Charges Reference Number- 8221998 Thank you for reaching out to the Fraud Department at Union Bank of California about the issue involving multiple charges to your account, that you do not believe were correct. Our firm believes in solving problems of this matter with great concern and we are glad you have brought a situation like this to our attention. It has been determined that the issue you have brought to our attention is not a fraudulent matter, rather an instance of multiple transactions at the same location. As I can see from your bank statements of the month ending August 31, 2019, there were three individual charges made at Walmart in Delray Beach occurring on the same date, the first debit being for $113.24, another for $267.82 and the last for $93.05. Union Bank's policy is to contact the place the transactions originated from and review all receipts, in order to properly resolve the instance. We have reached out to the store Walmart in Delray Beach and the manager Mr. Paul Price has provided our firm with receipts from each of the purchases. They have confirmed that their transaction processing machine was functioning properly and that the three separate purchases were made on August 7, 2019 at 11:20am, 2:45pm and 4:20pm, which concludes that your card was used for multiple different transactions that day. After reviewing the documentation given by Walmart, we have concluded that the charges made to the account ending xx5602 were not fraudulent. Even though you may have noticed these transactions on your bank statements with suspicion, all three transactions from August 7, 2019 were separate purchases made by yourself. At this time there will be no further action on the case reference 8221998 and for the future Union Bank suggests our customers keep all documentation of transactions made. Once again, we are pleased that you contacted us with your concern and Union Bank values you greatly as a client. We appreciate your business and are more than happy to help you resolve any future suspicions. Best Regards, Samantha Prokop SAMANTHA PROKOP Fraud Department Supervisor at Union Bank of California...