Have you ever wondered what happens to my cards when I die?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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MemberSince99
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Have you ever wondered what happens to my cards when I die?

Postby MemberSince99 » Wed Feb 05, 2014 10:07 am

Probably not, since none of us is likely to care much at that point. Still I read this and found it not at all surprising. Enjoy. (And yes I actually had wondered about that, though again I really doubt I'm going to care what happens or what my score is when I'm 6 feet under).


[color=#222222][font=Arial]A lady died this past [B]January[/B], and [B]Citibank[/B] billed her for [B]February[/B] and [B]March[/B] for their [B]annual service[/B] [B]charges[/B] on her credit card and added [B]late fees[/B] and [B]interest[/B]on the monthly charge.[/color][/font]

[color=#222222][font=Arial]The balance had been [B]$0.00[/B] when she died, but now it’s around [B]$60.00[/B].[/color][/font]

[color=#222222][font=Arial]A family member (Steve) called Citibank.[/color][/font]

[font=Arial]Here is the exchange :[/font]

[color=blue][font=Arial]Steve: ‘I am calling to tell you she died back in January.’[/color][/font]

[color=#333333][font=Arial]Citibank:[/color][/font][color=#222222][font=Arial]‘The account was [B]never closed[/B] and the late fees and charges [B]still apply[/B].’[/color][/font]

[color=blue][font=Arial]Steve: ‘Maybe you should turn it over to collections.’[/color][/font]

[color=#333333][font=Arial]Citibank: ‘Since it is [B]two months past due[/B], it [B]already[/B] has been [B]turned over[/B].’[/color][/font]

[color=blue][font=Arial]Steve: ‘So, what will they do when they find out she is [B]dead[/B]?’[/color][/font]

[color=#333333][font=Arial]Citibank:[/color][/font][color=#222222][font=Arial]‘Either report her account to [B]frauds division[/B] or report her to the [B]credit bureau;[/B] maybe both!’[/color][/font]

[color=blue][font=Arial]Steve: ‘Do you think God will be [B]mad at her[/B]?’[/color][/font]

[color=#333333][font=Arial]Citibank: ‘Excuse me?’[/color][/font]

[color=blue][font=Arial]Steve: ‘Do you get what I am telling you - the part about her being [B]dead[/B]?’[/color][/font]

[color=#333333][font=Arial]Citibank: ‘Sir, you'll have to speak to my [B]supervisor[/B].’[/color][/font]

[color=#c0504d][font=Arial][B]Supervisor[/color][/font][/B][color=#c0504d][font=Arial] gets on the phone.[/color][/font]

[color=blue][font=Arial]Steve: ‘I'm calling to tell you, she [B]died[/B] back in [B]January[/B] with a [B]$0 balance[/B].’[/color][/font]

[color=#333333][font=Arial]Citibank: ‘The account was never closed and [B]late fees[/B] and [B]charges still apply[/B].’[/color][/font]

[color=blue][font=Arial]Steve: ‘You mean you want to [B]collect[/B] from her [B]estate.’[/B][/color][/font]

[color=#333333][font=Arial]Citibank: (Stammer) 'Are you her lawyer?’[/color][/font]

[color=blue][font=Arial]Steve: ‘No, I'm her [B]great nephew[/B].' (Lawyer info was given)[/color][/font]

[color=#333333][font=Arial]Citibank: ‘Could you fax us a [B]certificate of death[/B]?’[/color][/font]

[color=blue][font=Arial]Steve: Sure. ([B]Fax number[/B] was [B]given[/B]).[/color][/font]

[color=#c0504d][font=Arial]After they get the [B]fax[/B]:[/color][/font]

[color=#333333][font=Arial]Citibank: ‘Our system just isn't setup for death. I don't know what more I can do to help.’[/color][/font]

[color=blue][font=Arial]Steve: ‘Well, if you figure it out, great! If not, you could just keep billing her. She won't care.’[/color][/font]

[color=#333333][font=Arial]Citibank: ‘Well, the [B]late fees[/B] and [B]charges[/B] will [B]still apply[/B].’[/color][/font]

[color=blue][font=Arial](What is wrong with these people?!?)[/color][/font]

[color=blue][font=Arial]Steve: ‘Would you like her [B]new billing address[/B]?’[/color][/font]

[color=#333333][font=Arial]Citibank: ‘That might help....’[/color][/font]

[color=blue][font=Arial]Steve: [B]‘Odessa Memorial Cemetery[/B], Highway 129, Plot Number [B]69[/B].’[/color][/font]

[color=#333333][font=Arial]Citibank: ‘Sir, that's a [B]cemetery[/B]!’[/color][/font]

[color=blue][font=Arial]Steve: ‘And what do you do with [B]dead people[/B] on [B]your planet[/B]???'[/color][/font]


I doubt it's true, first of all they only turn it over to collections typically after they write it off after 6 months (though with medical collections they turn it over damn near as soon as they print the bill I could believe that) but still, it's funny


TheLethargicAge
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Postby TheLethargicAge » Wed Feb 05, 2014 11:58 am

Hahaha...sad thing is, it probably HAS happened.
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Postby BonusPack » Wed Feb 05, 2014 2:20 pm

I wouldn't doubt that story for a second! My grandfather had one single credit card his whole life. An amex green card. When he died my mother simply told the Amex employee on the phone that he had died. The operator asked her if she would like to have to card put in her name or close the account. My mother closed it but that was it. No hassle.

whit
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Postby whit » Wed Feb 05, 2014 2:42 pm

I think that's a bit exaggerated just because I've seen people get their annual fees reversed when they don't even use the card,
(0 balance for months),

I can't imagine any rep being that stupid or unreasonable much less with a supervisor involved

citi has been really good to me, I don't make late payments but the one time something came up and there was a payment that posted a few days later, the rep was very nice in helping me.


when my card got stolen and the rep heard I would be leaving on Monday, he offered to overnight the card to me free of charge without me even asking

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Postby jumbo » Wed Feb 05, 2014 2:53 pm

haha.. other than the dead lady part, its funny.
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thom02099
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Postby thom02099 » Wed Feb 05, 2014 4:23 pm

Hey Member....funny post! I believe that all of us can relate to some aspect of the exchange.

That said, it should also serve as a reminder to all of us that we prepare for death. It WILL happen.

I recently had major surgery that, amongst the complications was...death. While I was confident in it being a successful surgery, it did get me to thinking about the "what if" for my kids and partner. What would they do, what would they need to do?

To that end, I created a document on my desktop entitled "In Case Of Death", and it includes detailed instructions about who to contact regarding such things as my bank accout, my insurance, my 401(K), my mortgage, my debts, etc. Also included various websites with user id and passwords, what to do about my credit cards, who to contact regarding my employer...every detail I could think of that they might need to deal with.

My surgery was a success (duh !! ) but I'm leaving the document there. I'll fine tune it from time to time, to include a Will and Advanced Directive instructions.

Something to think about for the future...
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MemberSince99
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Postby MemberSince99 » Wed Feb 05, 2014 4:40 pm

Very good point. That wouldn't be a bad idea just in case as we never know. After all the one thing all of us can be certain of without a doubt is we will die. It's not if but when.


Glad you made it through your surgery ok!

whit
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Postby whit » Wed Feb 05, 2014 4:50 pm

best way to carry out your wishes of who gets what is to add beneficiaries, POA to your accounts.

instead of having it dragged through court systems

and also a trust is not just for the rich

whit
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Postby whit » Wed Feb 05, 2014 6:14 pm

meant POD not POA but got distracted and can't edit after 60mins?

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Postby MemberSince 79 » Wed Feb 05, 2014 7:40 pm

Thanks for this one. Best part was the new address.
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