[FalconSensei]

> For an unintentional payment, I agree. For an accidental overpayment,

From the article:

> The defendants noted that the amounts they received matched the amounts Revlon owed down to the penny, making it reasonable for them to assume it was an early repayment of the loan.

So they were safe to assume they just got paid early, at least in this case

[kempbellt]

Feels like a super odd edge-case where someone accidentally overpays a loan exactly in the amount that is due in total, but I agree. It's a fair assumption.