Below is a list of the Recommended Actions that are returned by the TrueChecks database along with their associated Fraud Types (i.e. Reasons):
| Recommended Action | Fraud Type (Reason) |
|---|---|
| Hold | Counterfeit/Alteration |
| Hold | Endorsement Irregular |
| Hold | Forgery |
| Hold | Lottery Winner |
| Hold | Non Negotiable |
| Hold | Not Authorized |
| Hold | Overpayment |
| Hold | Refer to Image |
| Hold | Refer to Maker |
| Hold | Secret Shopper |
| Hold | Signature Irregular |
| Hold | Uncollected Funds |
| Hold | Work from Home |
| Extended Hold | Frozen/Blocked Account |
| Extended Hold | Divested Account |
| Extended Hold | Forged and Counterfeit Warranty Breach |
| Extended Hold | Kiting |
| Extended Hold | Lost/Stolen |
| Extended Hold | Insufficient Funds (NSF) |
| Extended Hold | RCC Warranty Breach |
| Extended Hold | Unable to Locate |
| Deny | Closed Account |
| Deny | Duplicate Query |
| Deny | Item Cannot be Represented |
| Deny | Stop Payment |
| Deny | Stop Payment Suspect |
| Deny | Recent Returns |
| Deny | Suspect Bad Data |
Figure 1
Below is a list of the Early Warning responses based upon results received from the Treasury Check Verification Service's (TCVS) check verification application:
| Recommended Action | Fraud Type (Reason) |
|---|---|
|
Deny – Treasury or AMEX Item – Risk Identified |
Check has been issued but has already been paid; check has been issued but amounts do not match; check has a stop payment or has been cancelled; check is stale dated (13 months from issue) |
|
Extended Hold – Treasury or AMEX Item |
Check not found; possible data capture issue (inquiry) |
|
None – Treasury or AMEX Item – No Risk Identified |
Check has been issued for inquiry dollar amount and has not yet been reported as paid |
Figure 2