[Royal Wulff]

Sounds to me like someone wrote a check against a closed account. Or, the account was closed with outstanding checks written against it. Whose fault was that?

I mean, come on, who is responsible for not spending more than there is in the account.

[CyberAnt]

No! We wrote a check against the new account and they applied it to the CLOSED ACCOUNT.

"who is responsible" ....???