My bet: the NG payload adapter failed to deploy the satellite. Then when SpaceX deorbited the second stage (which I'm sure they would routinely do to avoid adding leaving unnecessary junk in orbit), the Zuma road it back down to a destructive finale.
The evidence we have shows that the payload deployed as normal. The articles that state the payload didn't deploy are misinformation. This statement is evidence too.
Statement From Gwynne Shotwell, President and COO of SpaceX on Zuma Launch
The following statement is from Gwynne Shotwell, President and COO of SpaceX:
“For clarity: after review of all data to date, Falcon 9 did everything correctly on Sunday night. If we or others find otherwise based on further review, we will report it immediately. Information published that is contrary to this statement is categorically false. Due to the classified nature of the payload, no further comment is possible.
“Since the data reviewed so far indicates that no design, operational or other changes are needed, we do not anticipate any impact on the upcoming launch schedule. Falcon Heavy has been rolled out to launchpad LC-39A for a static fire later this week, to be followed shortly thereafter by its maiden flight. We are also preparing for an F9 launch for SES and the Luxembourg Government from SLC-40 in three weeks.”