Based on our review, we are denying your substitute-check claim. As the
enclosed (type of document, for example original check or sufficient
copy
) shows, (describe reason for denial, for example the check was properly
posted, the signature is authentic, there was no warranty
breach).
[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 other information that we used to make our
decision.]
