electronic withdrawal. I have the receipt for that, as well as a letter from my bank stating the funds were withdrawn and cleared my account. That is, according to the UW, insufficient to prove I've satisfied the debt.

solutions I use on a daily basis. At that point I would tell the loan officer that they need to speak with the lending or underwriting manager and be afforded an exception to whatever their policy is.

If you are using a broker they may not be able to grant an exception but if you are using a direct lender you should be able to.