i had something like this happen with Netflix. my account at TCF Bank was low and the transaction was denied. then, apparently, Netflix tried the transaction ag

i had something like this happen with Netflix. my account at TCF Bank was low and the transaction was denied. then, apparently, Netflix tried the transaction again and succeeded, which overdrafted my account. i asked the bank what the difference between the transactions was and they just shrugged. it's possible your friend's explanation is accurate