Be sure to cancel credit cards if a loved one dies!

Oh you have to read this one these people are freaking stupid!!!!!!!!





*Cancel your credit card before you die..........(hilarious!) *

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 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!'

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

 

That wouldn't surprise me if it was true. There are cases where people have been taken to court and had to sell their houses just to pay off someone's debts which came after person’s death. stupid law

 

I agree...that kind of thing shouldn't be allowed. It's bad enough the family members have to deal with the loss of a loved one...getting sued over debts accrued beyond the event just adds fuel to the fire.

 

This is good to know, when someone dies it can be easy to forget about their credit cards.

 

Yes, it can be. One thing I learned when my father-in-law died last November from Alzheimer's is to make several copies of the death certificate and mail them off along with any bill payments. Also send them certified with return receipt so that you know they received it and they can't say they didn't.

 

I don't know about other countries, but the law in India is simple.

If someone inherits assets after the death of another person, he also gets the liabilities.

If a son gets his father's estate, after the father's death, the son is responsible for the father's debts too. (In case the liabilities are greater than the assets, the son can renounce the inheritance).

If the son gets nothing, he is not liable for his father's debts.

 

This is hilarious- just means that not even in death can you avoid bills and taxes- there is a death tax too- so you die and they tax you..lol

 

I've heard that story before - not sure if it's true but it's the sort of thing the banks do.