March 20, 2023

Be sure and cancel your credit cards before you die – $C

Citibank N.A.
Image via Wikipedia

This was too funny to not post…

(Sent to me from Rachel Glickman)

Be sure and cancel your credit cards before you die.

This is so priceless, and so, 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 its 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 set up 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???’

You wondered why Citi is going broke and need the feds to bail them out!!

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7 thoughts on “Be sure and cancel your credit cards before you die – $C”

  1. stacer25s

    It's a similar story to what my family went through…. BUT each state is setup different with collecting on credit card debt when a family member has passed. In some cases the spouse is liable for the debt even though he/she is not an applicant rather authorized user. In other cases the death certificate is considered acceptable the the debt is washed out. In cases where the spouse is an authorized user. in a state where the credit card industry requires the debt to be paid- the most often go after the estate… In this case an attorney is needed to help fend them away… and usually assets are hidden so the credit card company can take it up the a–!! 🙂

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  7. Daj704

    This does not surprise me a bit. I had my own challenge with CitiBank. I won’t go into it but it was much worse than this. It amazes me at how incompetent this bank is and yet the keep paying their executives huge sums of money. This is a bank that should be ceased by the feds. They should lock up all the executives and make them right apology letters to all the people they hosed.

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