Not even in death can you escape..

[ablethevoice]

..the evil clutches of the predatory lenders!


I don't know if this is real or not but it is funny. My wife sent it to me.

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

Be sure and cancel your credit cards before you die.

This is so priceless, and so, so easy to see happening with
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 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!! Have you wondered why Citi is going broke and needs the feds to bail them out!!

:lmao::lmao::lmao:

"What do you do with dead people on your planet?"

 

[dokblues]

Obviously Stupidity regins Supreme!! :withstpd:

 

[AUdubon5425]

Funny and sadly possible; here's a true story that happened a few months ago:

One of my neighbors (elderly and crippled) had her van repossessed by Wells Fargo in February. Her husband died last November and she had fallen a couple of months behind on the payments.

Wells Fargo calls on a Friday and she pays everything owed plus an additional amount over the phone (in fact, she paid about 1/3 of the loan off.) The following Monday morning the repo men show up to take the van. She calls Wells Fargo back and they tell her that even though the vehicle is titled in her and her husband's name, the late husband was the only signer on the loan and therefore since he is dead they want the van!

They sure didn't say anything when they took $4000 from her three days earlier! Then she gets the bill for the balance after auction - they must have sold the 3-year-old Grand Caravan for about $1500. After a few nasty phone calls regarding this balance, she rolls into a Wells Fargo office in her wheelchair with her husband's urn in her lap, sets it on some guy's desk, and tells them to see what they can get out of him! I understand those folks were pretty upset.

Working for and dealing with banks' lending and credit departments professionally, along with stories like these, are the reasons I have never (and hopefully never will have to) take out a loan, especially with a major corporate bank.

 

[merrylander]

Having only dealt with Canadian banks for 53 years I must confess that the majority of large banks here came as a shock, greed and stupidity abound. We have given up on the biggies and now deal with a local Maryland bank that reminds me a great deal of the banks with which I was used to dealing.

 

[kx250rider]

I think it's a tax scheme on the part of the credit card companies. As long as they can show the account open (and in default if the person died, and nobody's legally responsible to pay), they can show it as a bad debt writeoff. And I still get plenty of credit card and loan offers for my Aunt, who lived with me for the last 10 years of her life, and she died in '05. My ex-girlfriend's Mom died in '92, and she still gets all kinds of financial offers for Mom. That's 17 years after death!

I do still maintain a small savings account at the credit union in joint with my deceased Aunt, simply because it's WAY too hard to change the account title. Even the credit union tellers know she died 4 years ago... They don't want to fool with it either! We have a "don't officially ask; don't officially tell" agreement. And utilities are the same way. My phone is still in her name, and I can't change to my name because Pacific Bell says since there wasn't any estate paperwork or probate, I'd have to get a letter from a judge, saying I have the authority to take over the phone number, or I'd have to get a new number. They know she's dead too, but there's no rule about who pays the bill as long as it's paid.

Charles

 

[Rodzilla]

how about this...an older freind of mine now has his 80 year older sister sharing his place...his sister recently received a new credit card for her husband in the mail,odd since he has never lived at her current address,or even in the same part of the country.in fact he hasn't lived anywhere at all or had much of a credit rating since the early 80's when he passed away!!i think she still receives part of his pension which may explain things somewhat but...still

i told him to forge a sig and use it...let em try to collect the bill from someone who's been dead for better than a quarter century!

 

[truetone36]

I still get financial offers in the mail for my grandmother, who passed away in 1986.

 

[x_25]

Credit Union FTW!

 

[ScramMan2]

I work in the mailing industry. There is a process called the "death master" ... no I am not kidding ... that can tell you if you are in a scale of 1-10 deceased. It needs a SSN to really be accurate. Citi, and other nearly deceased financial institutions should have some of their high-powered VP's look into it.