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I program this kind of stuff for a living.
A long shot explanation:
they "zeroed" overdraft account variable on closure, then the letter was triggered by attempted overdraft and read the same field w/o checking first if account was closed or not (I bet it happened on the same day, but before nightly batch).
Probably a rare race condition. Somebody in their IT department didn't do his/hers homework.
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Thank you for your time,
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