Yes, but this is due to three people trying willingly to bypass the system, and probably a shitty UI. They knew what they were doing, they just did it badly.

Citi is one of the major foundations of the entire industry, how much of a "yes but" is involved before its standard practice. shitty UI is extremely common inside financial companies because fixing it would cost money.

> And Citibank software is really jenky (ph), so basically the only way to > complete the wonky transaction is to sort of momentarily trick the software into > thinking that Revlon has repaid the entire loan.

Think I found your problem, boss.