Dear customer - we have reviewed your claim for unauthorized transactions where you state that the card was not in your possession. based on our review of video evidence from the ATM withdrawals of $X and $Y on (insert dates here) at (location of ATM), evidence shows you are the party withdrawing the funds, therefore having access to your card. We are denying your claim based on this video evidence. If you have additional information that you can provide, we will consider this.
PS - here is a cashiers check for the balance of your account, which is now closed.
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