As a system, when an account status is closed prior to claim initiation, there should be an available letter in the communication hub to issue PC or a final credit via a check.

1. The following letters are always available through the communication hub:
2. A new letter exists within the Communication Hub title Provisional Credit With Official Bank Check:
   1. Fields to complete:
      1. Initial Customer Contact Date
      2. Provisional Credit Date
      3. Provisional Credit Amount
   2. Letter format:
      1. <Opening>
      2. While our investigation is underway for the dispute received from you on <Customer Contact Date>, we are issuing you a provisional credit on <PC Date> in the amount of <PC Amount> by means of the check enclosed for the following transaction(s):
      3. <Transaction Grid> (modify table row)
      4. Interest and fees associated with the disputed transaction(s) have also been included in the enclosed check, where applicable, and are considered final at the time of crediting.  
      5. You will have full use of the funds while we complete our research. Upon conclusion of our investigation we will notify you of the outcome.
      6. If your dispute included additional transactions not listed above, please be assured we are continuing to investigate those.
      7. <Closing>
3. A new letter exists within the Communication Hub titled Paid with Official Bank Check:
   1. Fields to complete:
      1. Was Provisional Credit issued to the customer? (Yes/No)
         1. Customer/member verbiage 
      2. Initial Customer Contact Date
      3. Permanent Credit Date
      4. Permanent Credit Amount
   2. Letter format if No was answered for "Was Provisional Credit issued to the customer?":
      1. <Manual opening>
      2. We have completed our investigation of the dispute received from you on <Initial Customer Contact Date> for the following transaction(s):
      3. <Transaction Grid>
      4. We have issued you a permanent credit in the amount of $<Permanent Credit Amount> on <Permanent Credit Date>, by means of a check which is enclosed.
      5. Any fees or interest associated with the disputed transaction(s), where applicable, have also been included in the check, which is enclosed.
      6. <Final> 
      7. <Closing>
   3. Letter format if Yes was answered for "Was Provisional Credit issued to the customer?":
      1. <Manual opening>
      2. We have completed our investigation of the dispute received from you on <Initial Customer Contact Date> for the following transaction(s):
      3. <Transaction Grid>
      4. The credit previously issued to you, by means of check, in the amount of $<Permanent Credit Amount> is now considered permanent
      5. <Final Credit>
      6. <Closing>

Added new letters for issuing a provisional credit or final credit to a closed account via a check. These letters are currently only located within the Communication Hub. 

1. Provisional Credit with Official Bank Check
2. Paid with Official Bank Check 

As a system, if a claim is denied and the account is closed so the user is unable to debit the account, a letter should eb available to request the funds be returned. 

1. A new letter exists within the Communication Hub - No Error with Official Bank Check:
   1. Fields to complete:
      1. Initial Customer Contact Date
      2. Provisional Credit Date
      3. Provisional Credit Amount
      4. <Number of Days to return>
      5. Deny Justifications
   2. Letter format: 
      1. <Opening>
      2. We have completed our investigation of the dispute received from you on <Initial Contact Date> for the following transaction(s):
      3. <transaction Grid>
      4. We have determined that no error has occurred, and we have no rights to continue on your behalf.  If you are able to provide new information, you may request a reevaluation of your dispute.
      5. <Deny Justifications>
      6. Provisional credit was provided to you on <PC Date> in the amount of $<PC Amount> either by a direct credit to your related account or a check. Due to the results of our investigation, the previously credited funds must be returned within <Number of Days to return> days. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
      7. Should you have further questions or if you wish to request the documentation we relied upon to make our decision, please contact us so we may assist you
      8. <Closing>

Added a new letter into the Communication Hub that allows users to send a No Error denial letter requesting funds be returned due to the account being closed at the time provisional credit was to be reverse. Currently, this letter is only available through the Communication Hub.