Cancel your credit card before you die!

4nford"Live wrong and Perspire"

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.'

Citi bank : 'Sir, that's a cemetery !'

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

(Priceless!!)

1/13/099:44 AM

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lastpushbuttonMember

Can you put a cemetery plot on a credit card ... the month before? If we only knew when? My friend asked his moma to let him run up the card.. unsecured.. she said she wanted to end without debt... If we only knew when,,,

1/13/095:48 PM

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robertvegasMember

I have a related, but not as funny, story.

Years ago I made a payment to a credit card. A check for maybe $75. Weeks later the collections department called. I told them I sent a payment, they called me a liar, so I sent another one. A few months later I paid off the credit card. I also moved my checking account to a new bank.

More than a year later, the check showed up in the mail at the credit card company. They ran it through their system despite the account having a zero balance and being closed. The check bounced because the checking account was closed. They called me and told me I was in trouble with their fraud division because I paid on my account with a check from a closed checking account. I had to talk to a supervisor for them to understand that the check was fourteen months old, but they insisted that I owed them $25 for the returned check fee. I had to talk to another supervisor to get that fee removed.

Then my old bank called me to tell me I had a negative balance of $25 that I had to take care of immediately, and they were investigating me for writing a check on a closed account. I had to talk to a supervisor for them to understand that the check was fourteen months old and had been written when the account was open. I had to talk to another supervisor to get the fee removed.

Man, that guy at the credit card company treated me like a leper when I told him I had sent the check. He assumed I was lying because they hadn't received it. And they treated me like a criminal when they received the check fourteen months later and it didn't clear. And my old bank (same bank as the credit card actually) was very mean and aggressive in collecting their overdraft fee. All because everything is automated, and no one read the date on the check.

But, that is Citibank for ya'

R.

1/14/093:15 PM

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