Cancel your credit cards before you die. - VeggieBoards
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#1 Old 01-27-2005, 09:13 AM
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A friend of mine sent me this.





My Aunt died this past January.

Citi Bank billed her for February and March for their monthly service charge on her credit card, and then added late fees and interest on the monthly charge...

the balance had been $0.00..

now was somewhere around $60.00 I placed the following phone call to CitiBank:



Me:

"I am calling to tell you that she died in January."



CitiBank:

"The account was never closed and the late fees and charges still apply."



Me:

"Maybe, you should turn it over to collections"



CitiBank:

"Since it is 2 months past due, it already has been."



Me:

"So, what will they do when they find out she is dead?"

CitiBank:

"Either report her account to the frauds division, or report her to the credit bureau...

maybe both!"



Me:

"Do you think God will be mad at her?"



CitiBank:

"...excuse me?"



Me:

"Did you just get what I was telling you...

the part about her being dead?"



CitiBank:

"Sir, you'll have to speak to my supervisor!"

(Supervisor gets on the phone)



Me:

"I'm calling to tell you, she died in January."



CitiBank:

"The account was never closed and the late fees and charges still apply."



Me:

"You mean you want to collect from her estate?"



CitiBank:

...(stammer)...

"Are you her lawyer?"



Me:

"No, I'm! her great nephew."

(Lawyer info given)



CitiBank:

"Could you fax us a certificate of death?"



Me:

"Sure."

(Fax number is given)

(After they get the fax)



CitiBank:

"Our system just isn't setup for death"



Me:

"Oh..."



CitiBank:

"I don't know what more I can do to help"



Me:

"Well...if you figure it out, great!

If not, you could just keep billing her...

I suppose...

don't really think she will care!"



CitiBank:

"Well... the late fees and charges do still apply."



Me:

"Would you like her new billing address?"



CitiBank:

"That might help."



Me:

" **** Memorial Cemetery, Hwy 129 and plot number given."



CitiBank:

"Sir, that's a cemetery!"



Me:

"What do you do with dead people on YOUR planet?!!"



Citi Bank Hung Up!!!~*~




"Imperfection is beauty, madness is genius and it's better to be absolutely ridiculous than absolutely boring."
 Marilyn Monroe
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#2 Old 01-27-2005, 09:19 AM
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roflmao....a least I am not the only one on the planet which has to deal with people like this!
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#3 Old 01-27-2005, 09:24 AM
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Well seems like they didnt believe it. Im sure theyve heard every reason imaginable from people trying to get out of paying.



Once they get proof though I doubt there will be anymore hassles.
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#4 Old 01-27-2005, 09:46 AM
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Oh that was funny in a horribly morbid way!
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#5 Old 01-27-2005, 10:01 AM
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Now that is funny!
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#6 Old 01-27-2005, 10:14 AM
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That sounds like an urban legend to me. When my parents died, most companies requested copies of a death certificate, and had procedures they followed after that. I can't imagine that this lady was the first CitiBank customer to die.
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#7 Old 01-27-2005, 11:08 AM
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Yep, sounds urban-legendish to me.



Once the estate enters probate, creditors only have X number of days to make claims. After that, they are SOL.
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#8 Old 01-27-2005, 11:11 AM
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I was just going to post that Gracie.



Once you send a copy of the death certificate to the credit card companies, they close the account. They then can contact the Clerk of Courts in the city the deceased live in and list themselves as a creditor. If there is anything of an estates to settle, the creditors may get a piece to pay the outstanding balances. It would be non productive for them to charge late charges knowing full well that they charges would not stand up in court.



ETA: What Tame said (he was faster posting than I).
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#9 Old 01-27-2005, 12:15 PM
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Quote:
Originally Posted by MsRuthieB View Post




ETA: What Tame said (he was faster posting than I).



Slow poster!
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#10 Old 01-27-2005, 12:24 PM
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#11 Old 01-27-2005, 12:51 PM
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Haha..
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#12 Old 01-27-2005, 02:08 PM
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Awe...so I am the only one on the planet which has to deal with people like that?!
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#13 Old 01-27-2005, 02:49 PM
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Quote:

You are the Snopes Ninja-girl............
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#14 Old 01-27-2005, 02:51 PM
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Quote:
Originally Posted by Tash View Post

You are the Snopes Ninja-girl............



Hiii yaaa!
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#15 Old 01-27-2005, 07:32 PM
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roflmao!
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#16 Old 01-28-2005, 09:12 AM
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I'm in the Uk, but it does happen like that. I'm winding up the estate for my late father in law. For reasons known only to himself he bought a retirement flat on a 25 year mortgage loan of £50k. He also happened to have £50k in a savings account with the same people.

I got an arrears letter and charges from the mortgage arrears department.

I phoned them up.

"hi, I notified your probate department that he died"

"oh, really, well they only suspended the payments for 3 months, so we want a payment"

"he's dead, he can't make a payment"

"we need a payment, can you send us a cheque"

No, I can't. How about you transfer what you need from his savings account"

"We can't do that, it needs probate to be granted and authorisation"

"if probate had been granted I'd have settled this account"

"we must have payment or procedures will be initiated"

"what, you mean the flat will be put up for sale"

"yes, and charges will be incurred"

"we want to sell the flat ourselves, but can't as it's still with the court"

"so can you send us a cheque"

"No, not until your company sends me a cheque for his savings."

etc. Arrgh.
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