Cancel your credit cards Before you die
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Cummins Guru


Joined: Feb 2008
Posts: 4,191
Likes: 65
From: Sunny Southern California Land of Fruits and Nuts
Cancel your credit cards Before you die
I don't know whether to laugh my butt off after
> > reading this, or to cry, or to just vegitate.
> >
> > I think the emotion that will win out is laughter.
> > Laughter is good for you!
> >
> > Be sure and cancel your
> > credit cards before you die! This is so priceless, and so
> > easy to see happening, 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!!)
> > And you wondered why
> > Citibank needed help from the Feds?
> > reading this, or to cry, or to just vegitate.
> >
> > I think the emotion that will win out is laughter.
> > Laughter is good for you!
> >
> > Be sure and cancel your
> > credit cards before you die! This is so priceless, and so
> > easy to see happening, 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!!)
> > And you wondered why
> > Citibank needed help from the Feds?
lmao! Common sense will always prevail over a college degree and idiots like that who run these big banks. To funny!
Last edited by 6spd05Dually; May 21, 2011 at 10:38 AM. Reason: grammar correction
These people are paid to occupy a space and be on the phone for their entire shift.
Actually solving a real problem does not apply, just being on the phone connected to someone on their list is what pays their salary.
Ridiculous foolishness, American corporate style!!
Actually solving a real problem does not apply, just being on the phone connected to someone on their list is what pays their salary.
Ridiculous foolishness, American corporate style!!
I had a line of credit with USBank, hadn't used it in years, $0 balance.
Get a bill in the mail for $50 , call and ask "what's this"
They tell me it's a yearly service fee (never had one before),
I tell them to close the account I never use it.
Woman tells me they will waive the service fee, seems like the easiest route
so I tell her OK.
Next month I get a bill for $5, I call and they say it is partial payment
on the $50 I never paid,
I told her they waived the fee, I hear her typing, she says "yes I see that
and we will waive the $5 also.
Next month I get a bill for .08 cents! Call again,,they say it's partial payment on the $5 I never paid. I tell her all that was waived.
I hear her typing, she says : "Yes I see that"
So I say, " so you will waive the .08 cents?"
She says "No we have to have that"
I talk to supervisor, same thing!
So I'm not going to write a check for .08 cents, then put a stamp on it.
I go to local branch and lay a nickel and 3 pennies on counter and say,
"I'd like to make a payment on my Line of credit"
Teller says they can't fool with payments that small.
I pull out the statement that says .08 cents due , lay it on the counter
and tell her "obviously you do".
I told her the whole story, she thought it was funny but was disgusted
with the bank at the same time, she took the .08 cents and
I had her close the account. Which I should have done at the start.
Get a bill in the mail for $50 , call and ask "what's this"
They tell me it's a yearly service fee (never had one before),
I tell them to close the account I never use it.
Woman tells me they will waive the service fee, seems like the easiest route
so I tell her OK.
Next month I get a bill for $5, I call and they say it is partial payment
on the $50 I never paid,
I told her they waived the fee, I hear her typing, she says "yes I see that
and we will waive the $5 also.
Next month I get a bill for .08 cents! Call again,,they say it's partial payment on the $5 I never paid. I tell her all that was waived.
I hear her typing, she says : "Yes I see that"
So I say, " so you will waive the .08 cents?"
She says "No we have to have that"
I talk to supervisor, same thing!
So I'm not going to write a check for .08 cents, then put a stamp on it.
I go to local branch and lay a nickel and 3 pennies on counter and say,
"I'd like to make a payment on my Line of credit"
Teller says they can't fool with payments that small.
I pull out the statement that says .08 cents due , lay it on the counter
and tell her "obviously you do".
I told her the whole story, she thought it was funny but was disgusted
with the bank at the same time, she took the .08 cents and
I had her close the account. Which I should have done at the start.
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When my step dad passed away, my mom was trying to get some of the paperwork sorted out.
The worst place was our federal gov. Even after she presented his death certificate by mail twice, in person twice, [one original and the rest certified copies at her expense] she kept getting letters that he has to file his taxes. He has been dead fro 3 yrs now and she just got a notice in April about his taxes again! So we went out to the grave site, took a picture, printed it off and went to the gov building with that and the death certificate again and waited 45 min to see a supervisor.
This 'supervisor' asks my mom if she is my step dad's wife and if she is acting on his behalf. HUH?!
So my mom hands the picture to him and says if you want to talk to Jack, here he is.
Then she tells this guy to stop bothering her with this bs and leave her alone.
My step dad did not owe any money and the lawyer took care of it all.
Too many people are puppets and have very little common sense anymore.
The worst place was our federal gov. Even after she presented his death certificate by mail twice, in person twice, [one original and the rest certified copies at her expense] she kept getting letters that he has to file his taxes. He has been dead fro 3 yrs now and she just got a notice in April about his taxes again! So we went out to the grave site, took a picture, printed it off and went to the gov building with that and the death certificate again and waited 45 min to see a supervisor.
This 'supervisor' asks my mom if she is my step dad's wife and if she is acting on his behalf. HUH?!
So my mom hands the picture to him and says if you want to talk to Jack, here he is.

Then she tells this guy to stop bothering her with this bs and leave her alone.My step dad did not owe any money and the lawyer took care of it all.
Too many people are puppets and have very little common sense anymore.
If I Know I'm going to die, I will sign everything of value over to some well hated organization, then run my credit it card to the max. My last will and testament will read something like,,, Tough.
Last edited by BC847; May 23, 2011 at 02:43 PM. Reason: Language
I have been up all night working on my truck doing preventative maintenance and replacing seals, but these stories from the .08 cents down made me lmao!
Great way to start a Monday morning!
Great way to start a Monday morning!
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