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Looking closer at the situation, the lack of those letters made Anderson believe there was simply a mix up with the bank contacting the couple. Whether it was due to similar names, addresses, or anything of that nature, he said they likely got their information by accident, and once they believed they needed to collect the couple's money, they started attempting to do so. "They don't just get one of them at a time, and one person that says, 'okay this is the Smith loan,' set up a little file folder. No, it's all by computer," Anderson said, making