The Guardian June 30, 2004


Make sure to cancel your credit cards before you die

From a friend of a friend

My Aunt died this past January. Citi Bank billed her for February 
and March for their monthly service charge on her credit card, 
and then added late fees and interest on the monthly charge ... 
the balance had been $0.00 ... now was somewhere around $60.00. I 
placed the following phone call to CitiBank:

Me: I am calling to tell you that she died in January.

CitiBank: The account was never closed and the late fees and 
charges still apply.

Me: Maybe, you should turn it over to collections.

CitiBank: Since it is two months past due, it already has been.

Me: So, what will they do when they find out she is dead?

CitiBank: Either report her account to the frauds division, or 
report her to the credit bureau — maybe both!

Me: Do you think God will be mad at her?

CitiBank: ...excuse me?

Me: 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

Me: I'm calling to tell you, she died in January.

CitiBank: The account was never closed and the late fees and 
charges still apply.

Me: You mean you want to collect from her estate?

CitiBank: ... (stammer) ... Are you her lawyer?

Me: No, I'm her great nephew.

Lawyer info is given

CitiBank: Could you fax us a certificate of death?

Me: Sure.

Fax number is given

After they get the fax

CitiBank: Our system just isn't set up for death

Me: Oh ...

CitiBank: I don't know what more I can do to help ...

Me: Well ... if you figure it out, great! If not, you could just 
keep billing her ... I suppose ... don't really think she will 
care....

CitiBank: Well ... the late fees and charges do still apply.

Me: Would you like her new billing address?

CitiBank: That might help.

Odessa Memorial Cemetery #### Hwy 129 and plot number given

CitiBank: Sir, that's a cemetery!

Me: What do you do with dead people on your planet?

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