Business Communication

P. O. Box 85135, San Diego, CA 92186-5135, (619) 533-7667, fax: (619) 533-7692

February 26, 2011

Ms. Margaret Caldwell 2789 Aviara Parkway Carlsbad, CA 92008

Dear Mrs. Caldwell:

RE: Claim #7899

Using our best methods of investigation, we have thoroughly examined your ATM debit error claim to determine the facts. We’ve even contacted Wilson’s Gourmet and interviewed manager Paul Roberts about the transactions you have questioned.

Although the three debits all bear the same transaction number (1440022-22839837109), this number changes daily, not hourly. So it is possible that purchases made at different stores might carry the same number on the same day. Also, the three transactions were for different amounts, suggesting that they reflect separate purchases made on the same day and are not duplications.

Mr. Roberts has assured us that his equipment does not allow misuse of your card or numbers when you are not present. He suggests that customers often return for subsequent purchases on the same day for a variety of reasons, such as a forgotten item or a lunch visit followed by regular shopping at a later hour, and so on. He reported no equipment failures during the period you have questioned.

After our thorough review, we’ve determined that no mistakes occurred and have closed our files on this claim. If you have any questions about future transactions, please contact us in writing or call our 24-hour customer service number at 1-800-555-3737. Your branch manager can also answer any general questions about your ATM card and its many convenient applications.

Sincerely,

Larry A Gomez (signature)

Larry Gomez ATM Error Resolution Investigator