Cases Journal


Open Access Highly Accessed Case Report

Lisfranc fracture-dislocation precipitating acute Charcot arthopathy in a neuropathic diabetic foot: a case report

Banks and Their Customers under the Revisions to Uniform ...
customer.3 Generally, if the bank pays a check or other item bearing a. * Associate . forged drawer's signature, it must recredit its customer's account for the . failed to compare cheek's signature to signature card of customer); Jackson v.
http://digitalcommons.lmu.edu/cgi/viewcontent.cgi?article=1690&context=llr

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Account Opened with Spouse's Forged Signature
Jan 8, 2009 . What should a responsible bank or credit union do? If Spouse A forges Spouse B's signature on a deposit account signature card, there .
http://www.bankingquestions.com/scamsfraud/2009/q_0108_forgedsig.html

The Most Accurate Signature
an increasingly popular tool for protecting customers and for mitigating or reducing fraud. However . specimens from a signature card, or whether they should be compared to . their strongest legal document against forgery, while others believe recently . an attorney from Adams and Reese LLP and former bank executive, .
http://www.remittancedirectory.com/DirectDownload?resourceID=1094

NatWest admits signature forgery | Money | The Guardian
Dec 9, 2011 . This, from one of the bank's customer relations managers, says: "With . "No one has admitted to forging the signature, however the member of staff . Barclaycard Platinum Credit Card with Extended Balance Transfer, 0.00% .
http://www.guardian.co.uk/money/2011/dec/09/natwest-admits-signature-forgery

34-36247; 3-8818 - Securities and Exchange Commission
. of joint bank accounts in the names of both the representative and a customer using forged account signature cards; 2. the forging of a customer's signature on .
http://www.sec.gov/litigation/admin/3-8818.txt


The electronic version of this article is the complete one and can be found online at: mustang gt 500 2008


Received:10 September 2008
Accepted:31 October 2008
Published:31 October 2008

405 U.S. 150
Upon questioning by FBI agents, he confessed supplying petitioner with one of the bank's customer signature cards used by Giglio to forge $2,300 in money .
http://bulk.resource.org/courts.gov/c/US/405/405.US.150.70-29.html


Chip and PIN - Wikipedia, the free encyclopedia
Under this system, the customer hands their card to the clerk at the point of sale, . Before Chip and PIN, if a customer's signature was forged, the banks were .
http://en.wikipedia.org/wiki/Chip_and_PIN

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Abstract

RBS CITIZENS BANK v. ISSLER - Caselaw - FindLaw
Citizens asserted in its memorandum of law that “an agent” for the bank had spoken . ruled that Citizens had a “clear right to setoff, pursuant to its customer agreements, . Where joint account holders sign a signature card for an account, they . The forger then cashed some of the forged checks at Westerly Community and .
http://caselaw.findlaw.com/ri-supreme-court/1571412.html

Customer Authentication: The Evolution of Signature Verification in ...
banks with the ability to safeguard customers through signature verification . losses include forged maker signatures and counterfeit checks, debit cards, .
http://www.lcs.syr.edu/faculty/chin/cse774/readings/crime/customer%20authentication.pdf

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Introduction

Westamerica - Preventing Business Losses - Westamerica Bank
The bank sends the customer a statement of account accompanied by items paid in good . Avoid authorized signatures that are illegible or easily forged. Periodically review Bank signature cards, funds transfer agreements and access codes.
http://www.westamerica.com/index.php/business/preventing-business-losses

The Norton Group, Banking Experts - Experts in Bank Operations,
A customer is a person with an account at a bank. . A drawee bank's liability for forged signatures of the drawer arises because the drawee bank maintains the drawer's signature card on file and is held responsible for verifying the signature.
http://thenortongroup.net/nnotes1.html

Signature Card: Definition from Answers.com
Signature Card Card that a customer signs when opening an account at a financial . Two signatures are required to open a safe deposit box: the customer's and a bank employee's. . Is forging a signature on a credit card transaction a crime?
http://www.answers.com/topic/signature-card

Read Terry's article on Fraud and Forgery from - Examination of ...
A quick comparison with the handwriting on his signature card indicates that he . the bank, however, it was an authentic signature and the customer was at fault.
http://www.graphicdetection.com/bankinfo.html

Fake or real? PSBank told to compare bank records | Inquirer News
Feb 16, 2012. of the customer signature and specimen card of Corona's alleged . The impeachment court ordered Philippine Savings Bank (PSBank) .
http://newsinfo.inquirer.net/146343/fake-or-real-psbank-told-to-compare-bank-records

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Case presentation

How secure is your bank signature card? | Inquirer Business
Feb 27, 2012 . Upon the bank's approval, signature cards would then be entrusted to . Should a customer find himself in another branch requesting for a . Or probably so that they could have a copy of my signature when it's time to forge it.
http://business.inquirer.net/46487/how-secure-is-your-bank-signature-card

What's the process? - usahandwritingexperts.com
A publisher's assistant forged his name to his bank signature cards (giving her access to his account) and created a faked "bill of sale" document in an attempt to .
http://www.usahandwritingexperts.com/legalcase.html

Virgin: We will be your Rock | The Sun |News|Sun City
Nov 19, 2011 . VIRGIN MONEY has vowed to make Brits love their bank after . RBS customer signature 'is forged' . Five things to know about credit cards .
http://www.thesun.co.uk/sol/homepage/news/money/3945948/Virgin-We-will-be-your-Rock.html

FIRST NATIONAL BANK OF McALESTER v. MANN - 1965 OK 127 ...
Where a signature to a bank check is forged or made without authority of the person . a customer of plaintiff in error, hereafter referred to as the Bank or defendant. . The witness had examined plaintiff's signature card and was of the opinion .
http://law.justia.com/cases/oklahoma/supreme-court/1965/36905.html

Giglio v. United States - Wikipedia, the free encyclopedia
In June 1966, bank officials at Manufacturers Hanover Trust Co. discovered that a . signature cards from one of the bank's customers, which Giglio used to forge .
http://en.wikipedia.org/wiki/Giglio_v._United_States

Dictionary of Banking Terms and Phrases
Each account holder's signature needs to be on file with the bank. . The issuance of approval, by a credit card issuer, merchant, or other affiliate, to complete a credit card transaction. . For example, the customer would only have to provide one authorization . A check on which the drawer's signature has been forged.
http://www.helpwithmybank.gov/dictionary/index-dictionary.html

Rules Governing Deposit Accounts - Capital One
May 21, 2012 . If you provide your ATM card or ATM/Debit card and personal access code to a . If we pay an item bearing an unauthorized signature, forged maker's . by a person who is not a deposit customer of Capital One Bank we may, .
http://www.capitalone.com/banking/disclosures/rules-governing/?Log=1&EventType=Link&ComponentType=T&LOB=MTS%3A%3ALCTMNE8UU&SubLob=MTS%3A%3AKV0LVIE8Z&PageName=Deposit+Accounts+Rules&PortletLocation=4%3B4-12-col%3B2-1-1&ComponentName=Capital+one+rules+for+deposit+accounts%3B2&ContentElement=1%3BRules+for+Deposit+Accounts&TargetLob=MTS%3A%3ALCTMNE8UU&TargetPageName=Rules+Governing+Deposit+Accounts

C
BLANGO had access to customers' confidential bank account information, including account holders' names, addresses, account numbers, and signature cards. 3. . of the fraudulent checks and withdrawal slips contained forged signatures. 9.
http://www.justice.gov/usao/pae/News/2008/may/blangoind.pdf

Brokerage Account AMA Signature Card and Disclosures - UMB.com
All account holders authorized to write checks must sign this signature card. . Card Bank may inquire as to the credit, investments and employment history of . for margin privileges by checking the box indicated on the Customer Application. . you received contains an error or includes an unauthorized, forged or altered .
https://www.umb.com/Personal/InvestAndProtect/InvestmentServices/RepresentativesOnly/idcplg?IdcService=GET_FILE&dDocName=028228&RevisionSelectionMethod=LatestReleased

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Rules and Regulations For Deposit Accounts
and the Bank created by the opening of an Account is of debtor and creditor . This certification is completed on the Bank's signature card, a substitute W-9 or . we may deny a claim for loss due to forged, altered or unauthorized checks or .
https://www.suntrust.com/rulesandregulations

thumbnailFigure 2.

STATE OF LOUISIANA COURT OF APPEAL, THIRD CIRCUIT 05 ...
Glynda testified that each sister signed a signature card while opening the account and that she . a bank is liable when it pays based upon a forged signature.” Marx v. . Louisiana Revised Statutes 10:3-406 precludes a bank's customer from .
http://www.la3circuit.org/opinions/2006/03/030806/05-0545opi.pdf

UCC: Practical Application, Part VI
If the bank proves that the customer failed, with respect to an item, to comply . means your customer can't make that claim against you, his forged signature, . where a customer has, for years, allowed someone not on the signature card to .
http://www.bankersonline.com/articles/bhv13n05/bhv13n05a5.html

Can you increase security by not signing the back of your credit card
Secondly, a lot of places will simply not take the card without a signature and will not . Furthermore, even if they use the fake card, you are protected because they didn't . The regulation is called Regulation E. It protects customers and banks .
http://wiki.answers.com/Q/Can_you_increase_security_by_not_signing_the_back_of_your_credit_card

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UCC - BankersOnline
Customer Unwilling to File Police Report-Checks . Bank Liable on Forged Signature Claim from Jan 05 · Signature . No Signature Cards for Online Accounts?
http://www.bankersonline.com/infovault/u-infovault.html

Curtis Arnold: Best Credit Cards for Traveling Abroad
Mar 13, 2012 . The Minneapolis-based bank has forged relationships with two of Central and . If you lose your card, Visa Signature's Global Customer Care .
http://www.huffingtonpost.com/curtis-arnold/best-credit-cards-travel_b_1339142.html

Checking & Debit Card Accounts - FoolProof Lite - No Sugar or ...
You have to sign a signature card when you open a checking account. . Even if the bank doesn't reject a scammer's forged signature, and your money is stolen, .
http://lite.foolproofonline.info/ecu/modules/junk_in_the_trunk/board15.php

Deposit Account Agreement & Disclosures BANK OF STOCKTON
Since 1867, we've protected our customers' deposits with strength . to the last address the Bank has on file for the account If your signature card indicates that .
https://www.bankofstockton.com/lib/pdf/BOS_Online_Disclosure5.22.12.pdf

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Discussion

Forgery claims and unreadable signatures
This customer's signature is nothing more than a short scribble and no two . at my bank who came in and wanted to give us five signatures cards because .
http://www.bankersonline.com/articles/bhv13n07/bhv13n07a25.html

Check Fraud - Office of the Comptroller of the Currency
To protect the banking industry and its customers from check . Forged, either as to signature or endorsement. . taining special security for signature cards.
http://www.occ.gov/static/publications/chckfrd/chckfrd.pdf

Criminal Coercion
Aug 4, 2012 . The signature on the check was not mine but Hilda's forgery. That is why banks maintain signature cards for each of their customers. So this .
http://home.earthlink.net/~elnunes/coercion.htm

If someone steals a blank check from me and forges my signature ...
I'm wondering if checks have some of the same protections as credit cards (i.e. can I . If the drawee bank pays a check bearing a forged endorsement, then it is . bear the risk of payments made over a forgery of the customer's signature.
http://askville.amazon.com/steals-blank-check-forges-signature-liable-amount/AnswerViewer.do?requestId=3087386

CHECK FRAUD IDENTITY THEFT
unless banks and customers form a strong partnership to . failures contributed to a forged or altered check. . on signature cards and disclosure statements.
http://www.safechecks.com/bulletin.pdf

Fraud Prevention
Bank of Hawaii. Bank of Hawaii . Forged Checks. Legitimate bank checks with an imitation of the makers signature. Legitimate signature of customer. Forgery of customer's signature . submitting credit card or other sensitive info. If there is .
http://www.fmo.hawaii.edu/finmgt/doc/101508%20UH%20Fraud%20Awareness%20presentation.pdf

Finaltabulations for table 3 Ou
2 Your total banking assets and deposits for the units included in this report . . Check-related organized customer scams (customer victimization) losses per bank. . Forged maker's signature losses from on-us, transit deposited, and cash paid . Actual gross fraud losses per bank from signature debit card transactions .
http://www.aba.com/Products/Surveys/Documents/6a1fe1349c9a4b948717c51067b77dc9Listofdatatables.pdf

Dollar Bank Deposit Agreement Rules and Regulations
If you open an account with the Bank and sign a Dollar Bank signature card (the . the Bank's right to enforce any of its rights with respect to other customers, . to assert against the Bank (a) any forged, unauthorized or missing signature or .
http://www.dollarbank.com/RulesAndRegs.aspx

issue 47 - forged signatures on cheques
Jul 20, 2005 . If a bank pays out on the basis of a forged signature on a cheque, it does . If a customer becomes aware that someone has forged their signature on a . and bank cards) was stolen "by arrangement" in exchange for money.
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/47/47_forged_signatures.htm

A Primer on Appl
position to ascertain a forged drawer's signature, as the payor bank possesses the signature card of the drawer. Of course, the customer's bank could send the .
http://www.balch.com/files/Publication/5b3d266d-853f-436a-8164-006ecbe7f34e/Presentation/PublicationAttachment/39d7f445-5a35-402a-a4bb-049b7933783e/PCookPickeringAPrimerApplyingArticles.pdf

Good Energy responsible for forging customer's signature | New ...
6 days ago . Good Energy responsible for forging customer's signature. By DENIS PAISTE New Hampshire Union Leader. MANCHESTER — Good Energy .
http://www.unionleader.com/article/20120816/NEWS02/708179991

How to Setup a Joint Bank Account | eHow.com
Joint bank accounts can be opened at many financial institutions. . The bank keeps this card on file and uses it to verify the customer's signature when they visit the bank. . A forged signature exposes the victim to undesirable circumstances.
http://www.ehow.com/how_6564421_setup-joint-bank-account.html

Consumer Account Disclosure and Agreement - First Republic Bank
a signature card, you are agreeing to our account rules and regulations, to the terms . may deny a claim for monetary loss due to forged, altered or unauthorized . at 1-800-392-. 1407, or by calling our Customer Care Center at 1-888-. 17 .
http://www.firstrepublic.com/downloads/dep/AcctDisclosure.pdf

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Conclusion

Business Banking Checks - How To Information | eHow.com
. identification cards, as well as forged signatures in various cases of identity . If a bank returns a customer's check for insufficient funds, you should attempt to .
http://www.ehow.com/business-banking-checks/

Ten Ways to be a Smart Bank Customer
Being a smart bank customer means being proactive about looking out for your . With a fake ID card, and sometimes even without one, they can paper the town . Someone forging your name on the signature line can tie up your credit line .
http://www.ckfraud.org/smart_banker.html

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Consent

Bank - Securities Industry Commentator
Perrone forged a relative's name on a signature card, opened a checking . Coculo converted funds from bank customer accounts while employed with his .
http://www.rrbdlaw.com/enforcement-actions/tags.php?term=Bank

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Competing interests

FORMOSA RESORT PROPERTIES SDN BHD v. BANK BUMIPUTRA
BANKING: Cheques - Forged cheques - Customer claimed reimbursement for . he had verified the signatures on the cheques with the specimen signature card, .
http://www.cljlaw.com/public/cotw-100820.htm

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Authors' contributions

Fake bank records to weaken case
Feb 16, 2012 . ANY testimony pertaining to the bank accounts purportedly owned by . their clients' customer identification and specimen signature cards.
http://www.manilatimes.net/index.php/opinion/editorials/17307-fake-bank-records-to-weaken-case

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References

  1. Signature Cards - CSPI, A Comprehensive Line of Banking Services ...
    especially useful for providing account and customer information to Auditors in an . The Signature Cards system can be installed with (or without) the Document . all types of signature fraud, including random and skilled forgery techniques.
    http://www.cspiinc.com/site/products/index.php?prod=check21&page=7

    California Court Of Appeal Reaffirms That Banks Owe
    Citing well-established policies of customer privacy and efficient processing of . to be opened through improper signature cards and invalid tax ID numbers and . forged checks, large cash withdrawals involving “unmarked duffel bags,” and .
    http://www.manatt.com/ThreeColumn.aspx?pageid=199&id=5186

    OpenURL

  2. New Page 1 of 2
    signatures, and the Customer assumes all risk of forged or unauthorized items bearing . to any signature card on ?le with the Bank (whether the signature card .
    http://www.nefafoundation.org/file/HLF/hlf_checkingaccount.pdf

    Thursday Morning July 26, 2012
    Jul 26, 2012 . Bank. As his investment, which was valued by the parties at $25,000, . In March, while driving an ABC delivery truck to deliver an order to a customer, an ABC employee . account at Local Bank, forging Albert's signature on the check. . the signature on the check with the signature on the signature card .
    http://www.ble.state.tx.us/exam_info/past_exams/2012_2013/_0712_am_essays.pdf

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  3. IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN ...
    Each of the checks contained a forged signature or an incorrect account holder . of their account signature cards: OVERT. ACT. Date. True Bank. Customer. 1 .
    http://www.justice.gov/usao/pae/News/2009/mar/arnoldinfo.pdf

    The Check Book
    bank), the maker's bank is usually liable for a forged maker signature. 2. – . signature card, was (s)he authorized to act on behalf of the customer by contract .
    http://www.manatt.com/uploadedFiles/Content/5_Insights/White_Papers/The%20Check%20Book_2012.pdf

    OpenURL

  4. Current Personal Account Agreement - Bremer Bank
    messages for customers who receive statements electronically. These things . By signing a signature card, opening or continuing to hold an account with us, you . because if an endorsement is missing or forged, we have rights against the .
    http://www.bremer.com/Home/uploadedFiles/PersonalAccountAgreement.pdf

    Who Is Liable for Forged Checks? | eHow.com
    Forged and counterfeit checks cause significant losses to banks and their customers. However, it is not always clear who is ultimately liable for these losses .
    http://www.ehow.com/facts_6190100_liable-forged-checks_.html

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  5. 553 F2d 398 Perini Corporation v. First National Bank of Habersham ...
    Again he signed his name on a sole proprietorship signature card, although it was . bank is strictly liable to its customer drawer for payment of either a forged .
    http://openjurist.org/553/f2d/398/perini-corporation-v-first-national-bank-of-habersham-county-georgia-perini-corporation

    Louisiana Central Bank - OpenJurist
    At that time Carter filed a signature card and corporate resolution authorizing only its . bank which wrongfully honored a check containing a forged signature. . an "action in contract between the bank and its customer ") (emphasis supplied).
    http://openjurist.org/922/f2d/1197/webb-carter-construction-company-inc-v-louisiana-central-bank

    OpenURL

  6. Fraud Policy - Peoples Bank
    The customer can call the bank and ask for our Credit Card Department to report . prevents a thief from forging your signature on important documents such as .
    https://www.pbcbank.com/fraudpolicy.aspx

    Division of Banking Frequently Asked Questions FAQs
    What are my rights and responsibilities when a check has been forged on my . limits a customer's liability on consumer accounts for unauthorized ATM or debit card . verify the signature on each check to the signature on the deposit account, .
    http://www.dora.state.co.us/banking/consumer/faqs.html

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  7. Sec_36a-40_Regs
    Retention of Records by Connecticut Banks and Connecticut Credit Unions. Sec. 36a-40-1. Definitions 1 . (18) All federal and state customer tax records and supporting records - 7 years . (G) Signature cards - 7 years after account is closed. (H) Bad checks and forgery data and correspondence - 7 years. (I) Advices - 6 .
    http://www.ct.gov/dob/lib/dob/legal_nonhtml/regulations/sec_36a-40_regs.doc

    AB Bank Limited - Services - Account Opening
    Specimen Signature Card (To be signed by the applicant in front of . signature and address of the customer issued from a dependable authority . Particular care should be taken in accepting documents, which are easily forged, or which can .
    http://www.abbank.com.bd/account-opening.html

    OpenURL

  8. Protecting Yourself in Your Banking Relationship
    Understand the nature of your banking relationship. . In most instances, the signature card incorporates the terms of the customer disclosure statement.
    http://www.experts.com/Articles/Protecting-Your-Banking-Relationship-By-Darryl-Horowitt

    How Do Credit Cards Work? - CustomerCreditCards.com
    Customer Credit Cards . The cards are sponsored by specific banks and companies. Once a consumer qualifies for a credit card account, . This makes it easier to detect a forged signature on the credit card receipt. If someone tries to erase .
    http://www.customercreditcards.com/articles/how-do-credit-cards-work.php

    OpenURL