Dear When I received your letter of [date] with my check attached marked "insufficient funds"， I called my bank immediately. The gentleman I spoke with， [name] ， discovered that the bank had failed to credit my account with a substantial deposit I had made several days prior. The bank has assured me that they will be sending you a formal letter of apology for their error. Attached is my check in the amount of $ to replace the dishonored one you have returned.
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