Deceased Person’s Credit Card

deceased persons credit card

Relative attempts to handle a deceased person’s credit card debts.

A lady died this past January, and the bank billed her for their annual service charges on her credit card, plus the appropriate late fees and interest.

The balance for the deceased person’s credit card initially had been $0.00, but now amounted to $60.00 and counting.

A family member placed a call to the bank and the following conversation took place:

Family Member: “I am calling to tell you she died in January.”

Bank: “Her account was never closed so the late fees and charges still apply.”

Family Member: “Maybe you should turn the issue over to your collections department.”

Bank: “Since the account is already two months past due, we have done that already.”

Family Member: “So, what will they do when they find out she is dead?”

Bank: “Either report her account to our frauds division or report her to the credit bureaus: perhaps both!”

Family Member: Do you think God will be angry at her?”

Bank: “Excuse me?”

Family Member: “Did you understand what I was telling you: the part about her being deceased?”

Bank: “Sir, I believe you will have to speak to my supervisor.”

Supervisor gets on the phone to resolve the dispute on the deceased person’s credit card.

Family Member: “I’m calling to tell you, the credit card account holder passed away last January.”

Bank: “The account was never closed by her and the late fees and charges still apply.”

Family Member: “I understand then you wish to collect the money from her estate?”

Bank(Stammer): “Are you her lawyer?”

Family Member: “No, I’m her nephew.” (However the lawyer information is given to the bank supervisor.)

Bank: “Could you fax us a certificate of death?”

Family Member: “Sure.” (Fax number is given )

After the bank receives the fax they reply:

Citibank: “Our system just isn’t setup for a deceased person’s credit card. I don’t know what more I can do to help.”

Family Member: “Well, if you figure it out, let me know. If not, you could just keep sending her the statement. I don’t think she will mind.”

Bank: “The late fees and charges will still apply to her account.”

Family Member: “Would you like her new permanent billing address?”

Bank: “That will certainly help.”

Family Member: “Odessa Memorial Cemetery, Highway 129, Plot Number 69.”

Citibank: “That’s a cemetery!”

Family Member: “What else would you do with dead people on your planet?”