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View Full Version : Credit Card Abuse...no, really.


SpinningHead
12-30-2006, 07:35 AM
This was just sent to me...a little cheery giggle for the day. I believe it could've happened. :D

Do You Hear Me Now?

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 &
March for their annual service charges on her credit card, & added late
fees and interest on the monthly charge. The balance had been $0.00,
now somewhere around $60.00. A family member placed a call to Citibank here's the exchange:

Family Member: "I am calling to tell you she died in January."
Citibank: "The account was never closed and the late fees & charges still apply."
Family Member: "Maybe, you should turn it over to collections."
Citibank: "Since it is 2 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?"
(I really liked this part!!!!)
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." (Duh!)
(Supervisor gets on the phone):
Family Member: "I'm calling to tell you, she died in January."
Citibank: "The account was never closed, so the late fees and charges still apply." (This must be a phrase taught by the bank!)
Family Member: "Do you mean you want to collect from her estate?"
Citibank: (Stammering) "Are you her lawyer?"
Family Member: "No, I'm her great nephew."
Citibank: "Could you fax us a certificate of death?"
Family Member: "Sure." (fax number is 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. I really don't think she will care."
Citibank: "Well, the late fees & charges do still apply."
(What is wrong with these people?!?)
Family Member: "Would you like her new billing address?"
Citibank: "Yes, that will help."
Family Member: " Odessa Memorial Cemetery , Highway 129, Plot Number 69."
Citibank: "Sir, that's a cemetery!"
Family Member: "What do you do with dead people on your planet?

(Priceless!!)

ex-shep
12-30-2006, 08:04 AM
That is a classic. I am glad I no longer work for Metro Airlines. Between the storms last night in Texas and the snow in Denver, I would have been working some massive overtime.

outcast
12-30-2006, 10:10 AM
Lol. Thanks for the great laugh. I needed it. Doesn't surprise me that it was Citibank that dealt that way either. I have issues with them...

ex-shep
12-30-2006, 11:39 AM
Lol. Thanks for the great laugh. I needed it. Doesn't surprise me that it was Citibank that dealt that way either. I have issues with them...


One reason I am no hurry to apply with them.

mary
12-30-2006, 04:11 PM
This is hilarious -- but you're not going to believe this... I had a similar experience very recently with Capital One. I had a zero balance with them; somehow, though, my car insurance payment had apparently gotten stuck to someone else's Cap One envelope at the post office and my insurance payment wound up at Cap One. Cap One cashed this check made out to a car insurer - it was an all-electronic transaction - and my bank paid it... Because I had no balance, Cap One gave me a "credit balance" in the amount of the car insurance payment and held onto it. At my rather colorfully-worded insistence, they eventually refunded me the car insurance payment - but then they started charging me "processing fees" and late charges on the refund!

It took three months to straighten out. I no longer have a Capital One credit account. :cool:

Capital One is crazy. And so is Citibank... And so are they all!!! :eek: :eek: :eek:

mary