Specialising in the human experience of Living with prostate cancer – warts and all

True story? Too stupid to be an urban myth

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The following is taken verbatim from Thoughts on Freedom, the Australian Libertarian Society Blog.

Bank Late fees take on new meaning

If you’ve ever dealt with US bank’s call centre you know this story would be true.

Citibank N.A.
Image via Wikipedia

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???’


Written by Greg Naylor

12 March 2009 at 12:20 am

Posted in DEATH

One Response

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  1. Reminds me of the phone conversation I had with Telstra over the monthly mobile phone charges they kept charging me after they had closed down the CDMA network and I hadn’t changed over yet to New Gen (about an 8 month period).

    “Did you cancel the service”
    “I didn’t cancel it, you did.”
    “When did we cancel the service”
    “Ah, I think it was at the end of April”
    “Why did we cancel your service”
    “Dunno, you closed the network, I guess”
    “But you didn’t cancel the service, that’s why you were charged”
    “How can I cancel a service that no longer exists?”
    etc, etc.

    Took me about two months and four or five calls to get a credit back.

    Ray Dixon (Bright)

    12 March 2009 at 12:35 am

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