Dead People and Credit Cards
October 10th, 2007 (Posted by Ryan)
Be sure and cancel your credit cards before you die. This is so priceless, and so easy to see happening, customer service being what it is today.
A lady died this past January, and The Bank billed her for February March for their annual service charges on her credit card, added late fees and interest on the monthly charge. The balance of $0, is now somewhere around $60. A Family Member placed a call to The Bank.
Here is the exchange:
Family Member: “I am calling to tell you she died in January.”
The Bank: “The account was never closed, and the late fees charges still apply.”
Family Member: “Maybe you should turn it over to collections.”
The Bank: “Since it is 2 months past due, it already has been.”
Family Member: So, what will they do when they find out she is dead?”
The Bank: “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 !!!!)
The Bank: “Excuse me?”
Family Member: “Did you just get what I was telling you? The part about her being dead?”
The Bank: “Sir, you’ll have to speak to my supervisor.” !
(Supervisor gets on the phone)
Family Member: “I’m calling to tell you she died in January.”
The Bank: “The account was never closed, so the late fees and charges still apply.” (This must be a phrase taught by The Bank!)
Family Member: “Do you mean you want to collect from her estate?”
The Bank: (stammering) “Are you her lawyer?”
Family Member: “No, I’m her great-nephew.”
The Bank: “Could you fax us a certificate of death?”
Family Member: “Sure.” (fax number is given)
After they get the fax:
The Bank: “Our system just isn’t set up 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 really don’t think she will care.”
The Bank: “Well, the late fees charges do still apply.”
(What is wrong with these people??!!)
Family Member: “Would you like her new billing address?”
The Bank: “Yes, that will help.”
Family Member: ” Odessa Memorial Cemetery, Highway 129, Plot Number 69.”
The Bank: “Sir, that is a cemetery!”
Family Member: “What do you do with dead people on YOUR planet?!!
Skyryder
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