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Cancel your credit card before you die.

Discussion in 'The Okie Corral' started by lethal tupperwa, Nov 8, 2012.

  1. lethal tupperwa

    lethal tupperwa

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    This is funny and I can believe it. I think I may have talked with these same people a time or two.....

    Cancel your credit card before you die.
    Be sure to cancel your credit cards before you die! Of course I haven't figured out when that is yet and I am such a procrastinator, I just know I'm gonna be passin' thru the Pearly Gate and remember I forgot!
    This is priceless, and so easy to see happening, with customer service being in Bombay!

    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!
    And you wondered why Citibank needed help from the Feds?
























    ...
     
  2. JW1178

    JW1178

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    :rofl: Took him a while.

    Some people are such robots.
     
    Last edited: Nov 8, 2012

  3. Batesmotel

    Batesmotel

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    Had the same conversation with several people when my mom died.

    The worst was dealing with the DMV after my uncle died. Some vehicles were in his name, some still in the name of family company. We had all the proper documents and they still wanted his signature saying he acknowledged he was dead.
     
  4. hamster

    hamster NRA Life Member

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    I figure I'll handle all that stuff on day one of the afterlife.

    If I'm in line at the DMV after I'm dead, I know I made some bad lifestyle choices. :)
     
  5. ray9898

    ray9898

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    Let me guess....chain email? I had a close family member die and had nothing similar to that experience. Accounts were easily closed and they do have a "system set up for death".
     
  6. certifiedfunds

    certifiedfunds Tewwowist

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    Day before you die, max it out at the nudie bar
     
  7. series1811

    series1811 Enforcerator. CLM

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    I don't know. Once on a search warrant, I found dozens of cloned credit cards and fake ID's. After trying to report it to the credit card's security departments and getting a similiar massive runaround, ...
    Bank "We can't talk to you, you are not the card holder."
    Me: "I know, I'm just alerting you to the fact that if the person is reporting fraudulent charges on their credit, card, I know who did it."
    Bank: "I'm sorry, we can't tell you anything about their account."
    Me: "I don't want to know anything about their account. I'm trying to tell you something about their account."
    Bank: "I'm sorry. We can't discus that. Maybe you should call the police."
    Me: "I am the police."
    Bank: "Do you have a subpeona?"
    Me: "This is the part where I hang up and tell the guy sitting next to me about stupid you are."
     
    Last edited: Nov 8, 2012
  8. Brucev

    Brucev

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    Odd. When my father died I was made executor of his estate. Communication with the credit card companies was very easy. Termination of the accounts was simple.
     
  9. lethal tupperwa

    lethal tupperwa

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    1811,

    were you talking to the credit card security division?
     
  10. series1811

    series1811 Enforcerator. CLM

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    Yep. With a Secret Service agent standing next to me laughing his ass off. :)
     
    Last edited: Nov 8, 2012
  11. Wake_jumper

    Wake_jumper

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    Discover Card is pretty smart, they monitor the Social Security database and if a cardholder dies, they automatically cancel the card.
     
  12. TH3180

    TH3180

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    My grandpa died 14 months ago. We are still dealing with crap like this.
     
  13. series1811

    series1811 Enforcerator. CLM

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    I always found American Express to be the easiest one to deal with, at least with criminal matters.

    I guess experiences vary depending on who answers the phone.
     
  14. jpa

    jpa CLM

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    Especially if you get "Abraham Lincoln" with a strong New Delhi accent. :supergrin:

    I've had similar problems calling about CC fraud cases. Usually calling on behalf of an officer on the street with some crackhead that has someone else's Amex black card....