Now there are 3 things we must do…

by Marie on March 11, 2011

Man-onTelephoneWhether we’re military or civilian, we have all heard there are two things we have to do in our lifetime – die and pay taxes. Well, another one has been added:  Cancel your credit cards before you die.

When Tom was handling his late aunt’s estate, he found that XYZ Bank had billed her for February and March, for the 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 it was somewhere around $60.00.  Here’s Tom’s story when he placed a call to the Bank…
Credit Card Dilemma
Tom:  “I am calling to tell you that she died in January.”
Bank:  “The account was never closed and the late fees and charges still apply.”
Tom:  “Maybe, you should turn it over to collections …”
Bank:  “Since it is 2 months past due, it already has been.”
Tom:  “So, what will they do when they find out she is dead?”
Bank:  “Either report her account to the frauds division or report her to the credit bureau … maybe both!”
Tom:  “Do you think God will be mad at her?”
Bank:  “Excuse me?”
Tom:  “Did you just get what I was telling you… the part about her being dead?”
Bank:  “Sir, you’ll have to speak to my supervisor!”
(Supervisor gets on the phone)
Tom:  “I’m calling to tell you, she died in January.”
Bank:  “The account was never closed and the late fees and charges still apply.”
Tom:  “You mean you want to collect from her estate?”
Bank:  ” … (stammer) … Are you her lawyer?”
Tom:  “No, I’m her great nephew.”  (Lawyer info given)
Bank:  “Could you fax us a Certificate of Death?”
Tom:  “Sure.”  (Fax number is given)
(After they get the fax)
Bank:  “Our system just isn’t set-up for death.”
Tom:  “Oh …”
Bank:  “I don’t know what more I can do to help.”
Tom:  “Well … if you figure it out, great!  If not, you could just keep billing her, I suppose… don’t  really think she’ll care.”
Bank:  “Well, the late fees and charges do still apply.”
Tom:  “Would you like her new billing address?”
Bank:  “That might help.”
Tom:  “Odessa Memorial Cemetery.” (Address and plot number given)
Bank:  “Sir, that’s a cemetery!”
Tom”  “What do you do with dead people on your planet?!”

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