If she died in Nov she is not entitled to receive a check for November, which is the one sent in December.
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We can't pay benefits for the month of death. That means if the person died in July, the check received in August (which is payment for July) must be returned. If the payment is by direct deposit, notify the financial institution as soon as possible so it can return any payments received after death.
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Sounds like someone did exactly what they should do. She is not to receive a check for November. She did not get one. The absence of a deposit in December was correct. I don't know how the SSA knew she died but obviously they were informed and correctly stopped payments. It is extremely unlikely the bank had anything to do with it.
More likely as stated above that notification came from a funeral home using form SSA 721. At the same time the funeral home possibly did the paperwork for the burial benefit of $225.
Nothing was a crock here. Your accusation is unfounded based on misunderstanding the rules. The error is yours not the bank nor the social security administration.
edit: I am correctly corrected. The death was in December not November.