Cancel Credit Cards before you Die! (Joke? True Story? Both?)

Be sure and cancel your credit card before you die.

A lady died this past January, and a bank 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 when she died, but now somewhere around $60.00. A family member placed a call to the bank.

Here is the exchange :

Family Member:   ‘I am calling to tell  you she died back in January.’
The Bank:  ‘The account was never closed and the late fees and charges still apply.’

Family Member: ‘Maybe, you should turn it over to collections.’
The Bank: ‘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?’
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?’
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 back in January with a $0 balance.’
The Bank: ‘The account was never closed and late fees and charges still apply.’

Family Member: ‘You mean you want to collect from her estate?’
The Bank: (Stammer) ‘Are you her lawyer?’

Family Member: ‘No, I’m her great nephew.’ (Lawyer info was given)
The Bank:  ‘Could you fax us a certificate of death?’
Family Member: ‘Sure.’ (Fax number was given )

After they get the fax :

The Bank: ‘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.’

The Bank:  ‘Well, the late fees and charges will still apply.’
(What is wrong with these people?)
Family Member: ‘Would you like her new billing address?’
The Bank: ‘That might help..’

Family Member:  ‘ Odessa Memorial Cemetery, Highway 129, Plot Number 69.’
The Bank: ‘Sir, that’s a cemetery!’

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

Thank You Dee for the joke.

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10 Responses to Cancel Credit Cards before you Die! (Joke? True Story? Both?)

  1. Sue says:

    I can certainly see this happening, had a good laugh, so I will vote for both, joke and true.

    • magsx2 says:

      Hi Sue,
      I agree, I think it is pretty close to someone’s experience, where I have got “The Bank” was actually the name of a real bank, so yes I also think true and it is funny.

  2. malc50 says:

    If only I knew when I was about to die, I would certainly tie up loose ends, including cancelling my credit cards.

    • magsx2 says:

      Hi malc50,
      It’s a bit of a catch 22 isn’t it.
      You can leave no debts, but still the system will keep on going with your name. I know of people that have had problems in the past, not with banks, but with canceling pensions, then the following fortnight the pension went in again. It’s like no computer system can deal with the death of an individual. You would think this would be an easy thing to fix in any program!

  3. malc50 says:

    It could be worse! http://redtape.msnbc.com/2010/08/hey-banks-this-woman-is-alive.html#posts reports “Judy Rivers went to the bank with a simple request in April: She wanted to open a safe deposit box. The response, while equally simple, was a complete surprise. The bank turned her down. Why? She was dead. At least that’s what the bank’s security systems indicated. Sorry, a bank official said, we can’t open an account for you. Rivers says her premature electronic demise has led to multiple denials of credit, difficulty accessing her own money and, at one point, a confrontation with police that nearly landed her in jail. She says she has been denied two job interviews because the firms could not validate her Social Security number. Still, she doesn’t know why “the system” seems to want her dead. “

    • magsx2 says:

      Hi malc50,
      My God it goes from one extreme to the other. Sounds very similar to identity theft. Can’t access your own money etc. You really have to feel for these people, I can’t imagine how bad it must be for them, as well as being very frustrating.

  4. travelrat says:

    After Bill Bryson’s story about the potential immigrant who was shy three fingers, and refused a residence permit because he couldn’t provide a full set of fingerprints, I’d believe anything.

    Just tried to put a review of our apartment in Rainbow Beach on Qype … they say they can’t find any such place, so I wonder where I spent three days last month?

    • magsx2 says:

      Hi travelrat,
      I never heard about that, how ridiculous, honestly the people behind a lot of the “red tape” need to get lives.

      Oh my God, I was in stitches after reading what you said about Rainbow Beach, how on earth did they come to that conclusion? You should get straight back to them and send them this:-
      http://www.rainbow-beach.org/ and also mention about something called research. I’m still laughing.

  5. raymond says:

    This sort of thing can be distressing. several years ago my neighbour called me over early one morning and I went to see her. Her father was staying with her and apparently during the night he had died peacefully in his sleep.I managed to sort things out as she was too distressed to do anything.No problems with centrelink but her father used to order things from a mail order company.Despite repeated requests they could not seem to to take his name off of their system and so she was still getting letters, special offers and catalogues from them addresed to her late father for several years afterwards.Surely they could easily delete a name and address from their system in these circumstances.

    • magsx2 says:

      Hi raymond,
      How awful that must of been for the lady who’s Father died. It’s very hard to understand how these things happen. I totally agree with you, you would think it would be very easy to delete a name and address from any system. It must make it very hard for the people involved, surely anyone working for a company must know this, you would think they would do their best to make sure things like this would not happen.

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