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| Be Sure To Cancel Your Credit Cards Before You Die | |
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| Topic Started: Aug 30 2006, 02:16 AM (161 Views) | |
| ChrisJ | Aug 30 2006, 02:16 AM Post #1 |
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Worthy of the Trax!
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So this on another forum, not sure if it was true, but it was funny So be sure & cancel your credit cards before you die. A lady died this past January, and Citibank billed her for February & March for their annual service charges on her credit card, and then added late fees & interest on the monthly charge. The balance had been $0.00, now it's somewhere around $60.00. A family member placed a call to Citibank: Family Member: "I'm calling to tell you that she died in January." Citibank: "The account was never closed and the late fees & 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 the 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 in January." Citibank: "The account was never closed and the late fees & 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 given) Citibank: "Could you fax us a certificate of death?" Family Member: "Sure." (the fax number is 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. I don't think she will care." Citibank: "Well, the late fees & charges do still apply." 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: "What do you do with dead people on your planet?" |
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| outcastrc | Aug 30 2006, 06:28 AM Post #2 |
Administrator
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:rofl: Somehow I don't think they'd be that nice. I have never not had trouble with every single billing comapany I have ever been with. They just don't care. Here the best one yet. I had a cel phone a while back. Contract was finnished by a long shot. In september I called them up and said to cancel the phone. They of course tried everything under the sun to keep me as a customer. But I persevered and had them close the account. The phone was disconected. I recieve nothing until Jan or Feb of the next year and I get a bill for 250 bucks. All my time for the months since Sept. till then and the radio fees. I call them up and ask whats going on. I haven't been paying my bill they said. Of course not I didn't have a phone. Long story short nothing I said made a lick of a difference. I owed them wether I had a phone or not. There records said I owed, so I owed... I went to a lawyer about it and he said to make a deal, as I would lose unless I spent a fortune fighting it. So furious I made a "deal" They would cancel the 250 if I signed up for another years service. Fine. So I went down and signed the dam paperwork. Not 3 days later I get a call from a collection agency that I owe 450 bucks for breach of contract.  Seems the second they got my name on the contract they cancelled it (which they can do) and now I get nailed with a cancellation charge as well as the 250 I still owed. Back to the laywer I go. He's floored and said I was set up. Great. So now what do I do. Pay them the lawyer said. It still wasn't worth fighting them by taking them to court.  Now since those days there are laws that have been put into place to keep cel phone comapines in check (sorta) but that didn't stop a lot of people from getting screwed. I consider myself lucky. As I know a lot of people that were nailed, the worse one which was 1600 bucks to pay off cel phone charges. He never even got his phone connected to his account. His story is sad. He got a phone which never worked from day one. So he went back to get a different one. Nope you have to buy one, there no warrenty (less of course you paid extra. Fine how much? 900 bucks they said. No frigging way he said. It the end he stop them to stuff it and keep the broken phone. So he gets a phone call from a collection agency for the tune of 1600 dollars for breach of contract. He lost... Thank goodness theres at least competition and some laws to help and protect us these days. |
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| spoon37 | Aug 30 2006, 09:14 AM Post #3 |
Trax Master Poster
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:rolleyes: that is kinda funny about the credit card company tho... I have had to deal with something like this twice in the past year(my step grandfather and mother passed away in that time), tho in each case all they wanted was a death certificate and there was no probs. I have heard tho that a common trick with identity theft is to use the identity of a deceased person, if you arent too quick dealing with their estate an indentity thief can screw you out of alot of money.... 
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2:36 AM Nov 25
