What if you don’t cancel your credit card before you die?
Be sure and cancel your credit cards before you die!!
A lady died this past January, and Citibank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been $0.00, now somewhere around $60.00. A family member placed a call to Citibank.
Here is the exchange:
Family Member: “I am calling to tell you she died in January.”
Citibank: “The account was never closed and the late fees and charges still apply.”
Family Member: “Maybe, you should turn it over to collections.”
Citibank: “Since it is two months past due, it already has been.”
Family Member : So, what will they do when they find out she is dead?”
Citibank: “Either report her account to frauds division or report her to the credit bureau, maybe both!”
Family Member: “Do you think God will be mad at her?” (I really liked this part!!!!)
Citibank: “Excuse me?”
Family Member: “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.” (Duh!)
Supervisor gets on the phone:
Family Member: “I’m calling to tell you, she died in January.”
Citibank: “The account was never closed and late fees and charges still apply.” (This must be a phrase taught by the bank!)
Family Member: “You mean you want to collect from her estate?”
Citibank: (Stammer) “Are you her lawyer?”
Family Member: “No, I’m her great nephew.”
(Lawyer info given)
Citibank: “Could you fax us a certificate of death?”
Family Member: “Sure.” (Fax number is given)
After they get the fax:
Citibank: “Our system just isn’t setup for death. I don’t know what more I can do to help.”
Family Member: “Well, if you figure it out, great! If not, you could just keep billing her. I don’t think she will care.”
Citibank: “Well, the late fees and charges do still apply.” (What is wrong with these people?!?)
Family Member: “Would you like her new billing address?”
Citibank: “That might help.”
Family Member: “Odessa Memorial Cemetery , Highway 129, Plot Number 69.”
Citibank: “Sir, that’s a cemetery!”
The Conversation ended here but I wonder if citibank is still sending credit card statements and collection staff to this address.
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I hope she didn’t have a cell phone because if Citibank was that stupid I can only imagine the response you’ll get from a cell phone company when you try to explain the situation to the company. It’s a funny story but it’s not funny when you think about everything else family has to deal with when a loved one passes!!!
Oh that is like so true. Same thing happened when my dad passed away.
Those people (droids) at the other end are total idiots for lack of a better word.
Excellent write up
Wendys last blog post..Step 1: Budget
When my father died I got the task to call his investment broker. The idiot tried to tell me that “Dead people can’t have any debt. We need to cash out some of his investments to pay off that loan.” (a loan to them of course) Some people just don’t get the dead thing.
Wow. I hope a similar conversation takes place after I kick it.
Joking aside, wish it was possible to publish pictures of these damn idiots and publicly ridicule them.
is pathethic how the employee situation is ground for these kind of nonsense… i think ultimately things will be fine, but employees arent of any help
Hey, is that serious and for real?
That was very stupid IMO and that is what I hate with people who doesn’t have brains or doesn’t want to use their brains.
As far as I know, there is a law in almost every country that if a person who have debts die, all debts are legally gone and wiped out. No person and no entity in the world can do otherwise, not even to take their assets or ask their relatives to do the payments for the dead person.
Regardless, even if it isn’t in the law, when a person dies, all contracts and agreements between that person and another person or entity is automatically null and void.
Tsk. tsk. tsk.
JC John SESE-Cunetas last blog post..Browser War II has started… Safari fired the first shot!!
This great! I can’t wait to die and fuck these people up!
when my mom died, we have no choice but to settle her debts in the credit card
I swear this country is going down the tubes. Nothing like a country where stupidity reigns as king……literally.
mother fucker blood suckers
I always read your blog in high spirits. Thanks
Had the same things happen to my Mother’s Estate. But it was The Home Shopping Chanel. Their trick is to send 6 delinquent notices all on the same day hoping that will woke them up. I also told them she was dead but offered to “Chanel” her for them. Boy was she pissed once bothered.
To be painfully true. After dealing with about 12 such businesses from my mothers own MD to a Record club, I told off one such person who just didn’t get it. I asked her to call me when her mother died so I can scoff in her face and tell her what a dead beat her mother is. The laid said that would be mean to do. I said, “Yep.”