A new "can't close account" problem

[Jack]

I just made the last payment on a car loan.  The loan account now has a  
value of $0.  Oddly, the scheduled transaction did not seem to know it  
was done, and as there is no way to modify the scheduled transaction  
for a loan (trying just invokes the load wizard) I just deleted the  
scheduled transaction.  If I grep the account ID, I see the account  
itself, the original split for the original loan, and the 48 splits for  
the payments.

First issue: looking at the transactions for those splits, things seem  
inconsistent.  One example:

<TRANSACTION postdate="2017-07-08" entrydate="2017-07-03"  
id="T000000000000014072" memo="Bill Payment" commodity="USD">
  <SPLITS>
   <SPLIT number="" payee="" reconcileflag="2" bankid="ID  
20170630AF190313910014310-1" value="-25783/50" account="A000150"  
id="S0001" memo="" action="" reconciledate="2017-06-30"  
shares="-25783/50" price="1/1"/>
   <SPLIT number="" payee="" reconcileflag="2" bankid=""  
value="25783/50" account="A000458" id="S0002" memo=""  
action="Amortization" reconciledate="2018-05-20" shares="25783/50"  
price="1/1"/>
  </SPLITS>
</TRANSACTION>

Looking at the ledger for either the loan account or the paying account  
(a checking account which is actually a brokerage account) I do NOT see  
"Bill Payment" or "Amortization" anywhere, even though they probably  
were in the originally imported transactions.  Also, that memo and  
action appear inconsistently across all 48 transactions.  I don't think  
those differences are actually causing any problems, but I'm curious  
about the inconsistency and why I don't see those memos or actions in  
the ledger anywhere.

Separately, I think I may have discovered the reason I can't close the  
account.  For the loan account, I see
    <KEYVALUEPAIRS>
     <PAIR key="compoundingFrequency" value="32"/>
     <PAIR key="final-payment" value="27/100"/>
     <PAIR key="fixed-interest" value="yes"/>
     <PAIR key="iban" value=""/>
     <PAIR key="interest-calculation" value="paymentReceived"/>
     <PAIR key="ir-2017-06-08" value="0/1"/>
     <PAIR key="lastImportedTransactionDate" value="2021-05-02"/>
     <PAIR key="lastStatementBalance" value="0/1"/>
     <PAIR key="loan-amount" value="495039/20"/>
     <PAIR key="payee" value=""/>
     <PAIR key="periodic-payment" value="25783/50"/>
     <PAIR key="reconciliationHistory"  
value="2021-01-31:-206291/100;2021-03-31:-103159/100;2021-05-01:0/1"/>
     <PAIR key="schedule" value="SCH000033"/>
     <PAIR key="term" value="48"/>
    </KEYVALUEPAIRS>

Minor note: I did modify the final payment to be 4/30/21 instead of  
5/2/21, and to be the periodic-payment plus the final-payment.  I hope  
this isn't making KMM think there really is one more payment left, even  
though it knows the balance is now $0.

Why is the value for "schedule" still there, when I deleted the  
scheduled transaction?  When I did that, there was a note of caution  
that I would not be able to re-create the schedule later.  First, is  
this the the reason I can't close the account, and second, is this  
actually a bug?

Jack