Dunning letter sent with no data

I have seen two scenarios that will appear awkward for the customer.

The first is when there is an open transaction and credit memo/receipt that offset each other. For example, Transaction 1 in the amount of $25.00 and Receipt 1 in the amount of ($25.00) are both open on the Account. Transaction 1 is delinquent, and the Work Item automatically sends the dunning letter to the customer showing they are past due $25.00 even though their net balance is $0.00.

The second uses the same information above, but the receipt is applied to the invoice. This occurs before the Collections Request Set runs again and would normally consider the customer current after that. However, the customer is still delinquent when the Work Item for the letter is executed. This time, however, the letter says the customer is past due $0.00