To add to
@VGCgroupie's thoughts, the borrowed points are very easy to explain - they borrowed to make a reservation, then cancelled, and those points can't be unborrowed. Getting a single point in holding probably resulted from a reservation modification of some sort less than 31 days out. Could have been a waitlist that came through for a room that took 1 point less or just a modification or cancel/rebook of an existing reservation that resulted in 1 less point.
I think, any way you cut it, this was probably someone who had not been planning into a sale of their contract - if they had, I don't think this is how you'd want to put it up for sale. But, it did help me get a pretty good deal

.