I looked at copies of other checks she'd written. All of her signatures looked the same; identical to the signature card: letters were all straight lines: very plain without any curls or frills. Then, I examined the check and the husband's endorsement. The husband signed their last name with a tail on his cursive T and a loop on the H. And it looked surprisingly similar to the wife's "signature" on the front of the check.
So I tried to call the wife but she didn't answer her phone or her phone at work. I explained the situation to the husband. I told him I couldn't cash the check until I got a hold of his wife and she gave me the okay. He tried to call her a few times. He was kind of smiling to himself. He was rubbing his face in a very frustrated manner and muttered something about it being a "long story".
So I sent him back the check and told him to come back after his wife got home from work and she gave us the okay.
Long story short, I totally caught the guy forging his wife's signature.
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