We do look for POS returns and try to match them to original purchases. We don't do it on everyone, just when it pops up due to larger dollar POS credits. (meaning they'd have to do a few before we would see it.) We also look for this more in our prepaid line of business, not so much in regular consumer checking.
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It is actually possible for you and I to have different opinions and yet still live peaceably upon this planet.