| ;The defendant, Capital One, N.A. (Capital One), as successor in interest to Hibernia National Bank (Hibernia), appeals a trial court judgment awarding the plaintiff, Joyce Marie Perry, $30,000.00 in damages she sustained as a result of her arrest after she attempted to cash a closed account check at one of Hibernia’s branch banks in Alexandria, Louisiana. For the following reasons, we reverse the trial court judgment and render judgment in favor of Capital One, dismissing all of Ms. Perry’s claims against that defendant.
DISCUSSION OF THE RECORD
There is little dispute concerning the facts giving rise to this litigation. On December 30, 2005, Ms. Perry, who makes her living as a hair stylist, received a $30.00 check for services rendered from one of her customers, Katherine Clemons. The check was drawn on a Hibernia account in Ms. Clemons’ name, but which had been closed since April 26, 2004.
When Ms. Perry attempted to cash the check at the drive-thru window of Hibernia’s Masonic Drive branch, the teller at the window immediately recognized that the account was closed. The teller then compared the signature on the check to the signature card on Ms. Clemons’ active account and concluded that the signatures did not match. As Ms. Perry waited at the drive-thru window, Deana Huff, the branch manager, attempted unsuccessfully to contact Ms. Clemons by telephone and inquire as to the validity of the check. She then contacted Bobbie Evans Abshire, the bank’s operations manager who instructed her to telephone the police, which she did. The police officer who responded to the telephone call arrested Ms. Perry at the scene and transported her to the Rap-ides Parish Sheriffs Office. Within a short time after her |2arrival at the Sheriffs Office, she was released without being booked. Ms. Perry was never formally charged with any offense.
The day after the incident, Ms. Clemons appeared at the Masonic Drive branch and informed Ms. Huff that she had given the cheek at issue to Ms. Perry as payment for her services, but that the check had been signed by her daughter, not herself. Ms. Huff then instructed Ms. Clemons to contact the law enforcement authorities and let them know the circumstances around which the check was negotiated. When questioned concerning why the check on the closed account had been given to Ms. Perry, Ms. Clemons responded that she was not aware that she still had checks from the old account and had mistakenly used one of them.
Ms. Perry filed suit against Capital One, the arresting officer, and the City of Alex*796andria.1 The bastó of her claim against Capital One was the failure of its employees to “adequately investigate the matter prior to contacting the police. Specifically [it] failed to ask plaintiff any questions regarding the check prior to calling the police.” In its answer to Ms. Perry’s petition, Capital One denied liability and affirmatively alleged that Mrs. Clemons was at fault for writing a check drawn on a closed account, in allowing an unauthorized person to sign the check, and in failing to update her contact information.
Following a hearing on the merits, the trial court rendered written reasons for judgment finding Capital One liable to Ms. Perry for failing to adequately investigate the matter prior to notifying the police. It awarded her $30,000.00 in damages based on the embarrassment, humiliation, and emotional distress she suffered as a result of this incident. Capital One perfected this appeal, asserting three assignments of error:
|,1) The trial court erred because it came to an improper legal determination that Capital One was at fault.
2) The trial court erred in failing to find that Katherine Clemons was at fault.
3) The trial court awarded excessive damages to Joyce Marie Perry.
OPINION
In its first assignment of error, Capital One argues that the trial court committed an error of law in finding that it owed a duty to Ms. Perry to question her about the check prior to calling the police. We agree, and, in so finding, we need not address either of the remaining assignments of error.
In Louisiana, the determination of liability in negligence actions is decided through a duty/risk analysis. This involves a five-prong determination: (1) whether the defendant owed a duty of care to the plaintiff; (2) whether there was a breach of that duty by the defendant; (3) whether the breach of that duty was a cause-in-fact of the plaintiffs injuries; (4) whether the breach was the legal cause of the harm suffered; and (5) whether the plaintiff suffered damages. Hanks v. Entergy Corp., 06-477 (La.12/18/06), 944 So.2d 564.
In Lemann v. Essen Lane Daiquiris, Inc., 05-1095, p. 8 (La.3/10/06), 923 So.2d 627, 633, the supreme court discussed the duty element:
A threshold issue in any negligence action is whether the defendant owed the plaintiff a duty. Meany v. Meany, 94-0251, p. 6 (La.7/5/94), 639 So.2d 229, 233. Whether a duty is owed is a question of law. Peterson v. Gibraltar Savings and Loan, 98-1601, 98-1609, p. 7 (La.5/18/99), 733 So.2d 1198, 1204; Mundy v. Department of Health and Human Resources, 620 So.2d 811, 813 (La.1993); Faucheaux v. Terrebonne Consolidated Government, 615 So.2d 289, 292 (La. 1993). In deciding whether to impose a duty in a particular case, the court must make a policy decision in light of the unique facts and circumstances presented. See Socorro v. City of New Orleans, 579 So.2d 931, 938 (La.1991). The inquiry is whether the plaintiff has any law (statutory, jurisprudential, or arising from general principles of fault) to support the Lclaim that the defendant owed him a duty. Faucheaux, 615 So.2d at 292; Perkins, 98-2081 at 22, 756 So.2d at 404.
*797A more in depth analysis of the duty element was performed by the second circuit in Travelers Property Casualty Co. of America v. Pratt, 41,387 (La.App. 2 Cir. 9/27/06), 940 So.2d 704. There, the court stated:
The legal inquiry involves a determination of whether the duty of the particular defendant that has allegedly been breached extends to protect against the risk of the harm suffered by the plaintiff, and whether there are legal or policy reasons which may excuse the defendant from the consequences of his negligence. Peacock’s Inc. v. Shreveport Alarm Co., 510 So.2d 387 (La.App. 2d Cir.1987), writs denied, 513 So.2d 826, 513 So.2d 827, and 513 So.2d 828 (La.1987). A risk may not be within the scope of a duty where the circumstances of the particular injury to the plaintiff could not be reasonably foreseen or anticipated, because there was no ease of association between that risk and the legal duty. Todd v. State Through Social Services, 96-3090 (La.9/9/97), 699 So.2d 35, reh. denied, 96-3090 (La.10/31/97), 701 So.2d 958; Hill v. Lundin & Associates, Inc., 260 La. 542, 256 So.2d 620 (1972). The extent of protection owed by a defendant to a plaintiff is made on a case-by-case basis to avoid making a defendant an insurer of all persons against all harms. Todd, supra.
Id. at 707-08.
In its written reasons for judgment,2 the trial court found as fact that the bank employees “firmly believed, after comparing the signature on the check to the signature card on file for the account, that the signature on the check had been forged.” On the one hand, the trial court concluded that “the bank’s employees perform[ed] inadequate investigation,” and on the other, suggested that “the transaction between the bank and [Ms. Perry] should have been terminated the moment that the bank employee realized that the plaintiff was presenting a check for | ^payment which was written on a closed account,” an action which would have precluded any investigation at all.
Ms. Perry argues on appeal as well that Hibernia failed to adequately investigate the matter by not questioning her about the check before informing the police. We find no authority for holding that a bank owes a duty to a holder of a check which bears a forged signature and which is drawn on a closed account to question the holder as to how he or she acquired the check. Faced with such a situation, the bank employees acted responsibly in contacting law enforcement authorities, and the investigation of the potential crime is their duty, not the bank’s. In fact, if any duty was owed, we find that it was owed to Capital One’s customer, Ms. Clemons, not to pay on a check containing a presumably forged signature. Prestridge v. Bank of Jena, 05-545 (La.App. 3 Cir. 3/8/06), 924 So.2d 1266, 1279, writ denied, 06-836 (La.6/2/06), 929 So.2d 1261.
DISPOSITION
For the foregoing reasons, we reverse the judgment of the trial court and render judgment in favor of Capital One, N. A., dismissing the claims of Joyce Marie Perry *798against the defendant. We assess all costs of these proceedings to Joyce Marie Perry.
REVERSED AND RENDERED.
GENOVESE, J., dissents and assigns reasons.
SAUNDERS, J., dissents for the reasons assigned by GENOVESE, J.
. The arresting officer and the City of Alexandria were released from the litigation by summary judgment.
. Although the trial court captioned the document filed in the record as WRITTEN REASON FOR JUDGMENT, the document also serves as the final judgment in that it contains both the trial court’s reasons for rendering judgment in favor of Ms. Perry, as well as language rendering a final judgment corresponding to the findings of the written reasons.