We receive a file from Fiserv the beginning of each month for the previous month's activity.  The date in the file we receive is the date that the member requested as the payment date.   Because of this there will be instances when you can see activity in the member's history for a specific month, but yet they are reported as inactive. 

Example: The member scheduled a payment for November 1st.  Fiserv is going to send it out as a member draft, and therefore they cut the check on October 27th to give it time to get to the biller on November 1st.  The biller receives the payment early, and is able to deposit it (even though the check is dated 11/1), and it clears the member's account on October 31st. 

So, in a nutshell the inactive and active records are driven by the date the member schedules a payment to be made.