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Thread: Cancel your credit cards before you die

  1. #1
    Super Member Crossstitcher's Avatar
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    : Cancel your credit cards before you die!!

    HOW TRUE THIS IS...DEALING WITH THESE TYPES OF PEOPLE...

    A REAL SHAKE YOUR HEAD



    Now some people are really stupid!!!!

    Be sure and cancel your credit cards before you die.

    This is so priceless, and so, so easy to see happening, customer service being what it is today..

    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 when she died, but 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 back 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?'

    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'

    Supervisor gets on the phone:

    Family Member: 'I'm calling to tell you, she died back in January with a $0 balance.'

    Citibank: 'The account was never closed and late fees and charges still apply.'

    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 was given)

    Citibank: 'Could you fax us a certificate of death?'

    Family Member: 'Sure.' (Fax number was 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. She won't care.'

    Citibank: 'Well, the late fees and charges will 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!'

    Family Member: 'And what do you do with dead people on your planet???'

    (Priceless!! )

























    Cancel your credit cards before you die!!

    HOW TRUE THIS IS...DEALING WITH THESE TYPES OF PEOPLE...

    A REAL SHAKE YOUR HEAD



    Now some people are really stupid!!!!

    Be sure and cancel your credit cards before you die.

    This is so priceless, and so, so easy to see happening, customer service being what it is today..

    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 when she died, but 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 back 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?'

    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'

    Supervisor gets on the phone:

    Family Member: 'I'm calling to tell you, she died back in January with a $0 balance.'

    Citibank: 'The account was never closed and late fees and charges still apply.'

    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 was given)

    Citibank: 'Could you fax us a certificate of death?'

    Family Member: 'Sure.' (Fax number was 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. She won't care.'

    Citibank: 'Well, the late fees and charges will 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!'

    Family Member: 'And what do you do with dead people on your planet???'

    (Priceless!! )

  2. #2
    Senior Member IAmCatOwned's Avatar
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    It's really funny. :) The moment I read this line, I knew it was just a joke that's being passed around.

    <>

  3. #3
    Moderator QuiltnNan's Avatar
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    i'd laugh if it wasn't so close to the truth :)

  4. #4
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    Not really a joke though. It happens! My grandfather kept getting bill collectors and magazine subscription bill notices 6 & 9 months after he died. My sister verbally told them all that he had died, but it didn't help. Finally she asked for the address to send his change of address to & she then put his address as
    "The Pearly Gate.
    Heaven
    c/o GOD!"

  5. #5
    Super Member auntpiggylpn's Avatar
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    Quote Originally Posted by QuiltingGrannie
    Not really a joke though. It happens! My grandfather kept getting bill collectors and magazine subscription bill notices 6 & 9 months after he died. My sister verbally told them all that he had died, but it didn't help. Finally she asked for the address to send his change of address to & she then put his address as
    "The Pearly Gate.
    Heaven
    c/o GOD!"
    My father died as a result of nursing home negligence. The nursing home sent him by ambulance to the hospital. My father was on Medicare and Medicaid. 6 months after my fathers death, the ambulance billing agency called his brother, my uncle, trying to collect the bill. My uncle explained that my father had passed away and that the nursing home was the person to contact for payment. They collection agency then wanted to know if there was an estate. Of course they were told no because there wasn't one. The collection agency then wanted to know if there were any other living relatives that they could contact about getting this bill paid. My aunt, good ole Kentucky woman, told the people that it wasn't any of their business and that no one with our last name would be paying this bill and to not call again. They then hung up. No more collection calls! Not even sure how they got Uncles phone number as my father was in Illinois and my uncle is in Kentucky.

  6. #6
    Super Member mtspools's Avatar
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    Just crazy,

  7. #7
    Super Member amandasgramma's Avatar
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    Yip -- been known to happen. Kept getting a bill for my MIL for 2 yrs after she died. Tried to tell them, sent a death cert. (certified, too!!!) and STILL they kept contacting us. They wouldn't talk to me about what the bill was for -- said that it was private between MIL and them!!! Finally, we ignored their calls.....they sent her to the bill collection agency. When I got a call from them I told them that MIL was dead, had been dead for 2 yrs, and that I'd tried to resolve it.....they told me the charges had occurred AFTER the date I said she was dead! MIL was murdered --- I sent them a death cert AND a copy of the newspaper articles............never heard from them again!!!!

  8. #8
    Super Member auntpiggylpn's Avatar
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    Quote Originally Posted by amandasgramma
    Yip -- been known to happen. Kept getting a bill for my MIL for 2 yrs after she died. Tried to tell them, sent a death cert. (certified, too!!!) and STILL they kept contacting us. They wouldn't talk to me about what the bill was for -- said that it was private between MIL and them!!! Finally, we ignored their calls.....they sent her to the bill collection agency. When I got a call from them I told them that MIL was dead, had been dead for 2 yrs, and that I'd tried to resolve it.....they told me the charges had occurred AFTER the date I said she was dead! MIL was murdered --- I sent them a death cert AND a copy of the newspaper articles............never heard from them again!!!!
    I'm not suprised!

  9. #9
    Super Member dellareya's Avatar
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    Wish I could laugh at this, but as with the previous post are are experiencing some of the same stupidity. My mother was on Medicad and Medicare. She passed in May. We are constantly receiving bills for her. One Pharmacy sent us a huge bill because they didn't get their billing to Medicare and Medicad on time-They sent in the bill 3 months after she had died-so now they want us to pay it. Not our problem. There is no estate, and no money. They asked for an address to contact her. I told them Heaven.

  10. #10
    Marion Jean's Avatar
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    This made me laugh - we actually had a situation very similar to his regarding my late father-in-law who had been dead for 9 years.... credit card company was still trying to collect on one of his cards. And the people we dealt with at the cc company really were this stupid!

  11. #11
    Junior Member shortstuff's Avatar
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    Wonder where they went to school at.

  12. #12
    Super Member auntpiggylpn's Avatar
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    Quote Originally Posted by shortstuff
    Wonder where they went to school at.
    Sounds doubtful that they attended school. . .

  13. #13
    Super Member Country1's Avatar
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    My MIL passed away 3 and 1/2 yrs ago and we still get calls and stuff in the mail alot. Makes me angry mainly because it upsets me and it's like loosing her all over again. I tell them, and my DH tells them, but the catalogs and mostly "will you donate" still keep coming!

  14. #14
    Super Member KGoodhand's Avatar
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    Oh my!! That is hilarious!!! I had to copy that and forward it to my friends that are not on the board!!!! Love it!!

    I am so sorry some of you are actually dealing with such stupid people! I think we need to teach common sense at school!!! Because obviously it is not being learned anywhere else!!

  15. #15
    Super Member Enchanted Quilter's Avatar
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    I worked for Citibank fro 24yrs 17 days ( notice I counted. The story is true. We used to get acts from customer service in fraud just for this reason the card member died. We had to research the chgs before we could remove them. We had to have a death cert. before we could refer it to the deceased dept. So they could remove it from the system. Looking back we had a lot of fraud on dead people acts .....

  16. #16
    Super Member auntpiggylpn's Avatar
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    Quote Originally Posted by Country1
    My MIL passed away 3 and 1/2 yrs ago and we still get calls and stuff in the mail alot. Makes me angry mainly because it upsets me and it's like loosing her all over again. I tell them, and my DH tells them, but the catalogs and mostly "will you donate" still keep coming!
    Sometimes it is difficult to deal with the collection agencies because for some reason they feel that I, as my father's only living descendent, is somehow responsible for his past debts. Wrong Answer! And take me to court, I'll see you there! Yet to receive a summons!!!!

  17. #17
    Senior Member pinecone's Avatar
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    Quote Originally Posted by Crossstitcher
    : Cancel your credit cards before you die!!
    Be sure and cancel your credit cards before you die.

    This is so priceless, and so, so easy to see happening, customer service being what it is today..

    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 when she died, but now somewhere around $60.00. A family member placed a call to Citibank.

    Here is the exchange :
    "Hello, my name is Peggy...."



    piney

  18. #18
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    Too funny!

  19. #19
    Super Member SherriB's Avatar
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    We went through the same crazy stuff with credit cards when my Mom passed away. I can laugh now, but at the time, it was so hard to keep explaining over and over again to them.

    I can understand how the credit cards don't want to be taken by frauds, but they need a system in place to keep from putting families through that.

  20. #20
    Power Poster blueangel's Avatar
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    Too funny

  21. #21
    Senior Member Panchita's Avatar
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    As a probate lawyer I have to tell you this happens ALL the time. So frustrating.

    And my clients then blame me for not contacting X company to advise of the death because they cannot believe that any company would be that stupid.

    So I get to deal with trying to enlighten the stupid company and also calming down the family members, who are (understandably!) upset when their deceased relative is receiving red demands through the post.

    Funny thing - it is standard practice here to contact all known companies with whom the deceased had accounts to advise of the death and the fact that I am now dealing with the estate, while requesting that any future correspondence in relation to the account is forwarded to me c/o my firm. So their computers quite happily do this to forward all advertising to me, but the red demands always go to the deceased's home...

    Can you tell I have a bit of an issue with this?!?? LOL

  22. #22
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    I think its horrible how all of us seem to have one of these stories to tell. I've dealt with it a few times as different family members have died. But, they keep popping up every couple of years as one collections agency buys junk debt from another, and I have to go through the entire process again. I now keep photocopied documents that I just send in. Only stops it until the next time.

    They true stupidity I dealt with was having one of my own cable company account turned over for collections. I moved from Florida, and gave them my new NY address to send the final bill. They sent it, and I paid it. The next month, I received a bill for $0.00. Then, the month after that, a late notice asking me to pay $0.00 or they would shut off my service. I ignored that one also. Got another one threatening to turn my $0.00 balance over to a collection agency. I called them laughing. The CSR agreed it was a mistake and said she would take care of it. Six months later, I got a call from a collection agency demanding payment (apparently cable company stupidity is contagious)!!! No more laughing matter, because they had tacked on fees of almost $500.00!!! I thought that was a bit excessive. Went back to original cable company and explained the situation. The rep told me I should have paid my bill when I had the chance. I told him to look at the balance on the account. His response was "Oh." In a moment of frustration, I asked if I sent in a payment would that clear up this mess? He said of course. I mailed a check for $0.00 to the cable company with a letter. They cashed my check and sent me a receipt for payment along with a letter of apology. Luckily, enough time has passed since this incident that I can laugh about it now, but it really wasn't funny at the time.

  23. #23
    Super Member jitkaau's Avatar
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    Even 'funnier'is when 'they' cancel everything whilst you're still alive! I had to go to all the authorities and explain to them that my grandmother was still alive and could she please get her pension cards etc issued to her.They said that they assumed she was dead...and she said the bus driver never asked her to show her card when she got the pensioner fare(I guess he was smart enough to think she looked 95..).

  24. #24
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    An oldie, but a goodie :thumbup:

  25. #25
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    Wow! Hilarious!

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