There are tax consequences to this - the overcontribution has to be withdrawn (should have been by 4/18/23).  The $ 7000 part - your client 'should' have known, so maybe that isn't the smart-ass banker's fault.  S/he may not have been privy to the ER coverage. 

BUT, the $ 200 - even my dog knows the max IRA limits ;-).   Make that banker cover the tax impact of the $ 200 overcontribution ??  It's probably not significant, but I'd make sure s/he & a supervisor is informed of the problem.