Tax & Financial Tips Archive
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Date: June 16, 2007
Subject: Dead CC Bill

This is...
G&G Associates
Tax and Financial Consulting Services

Do You Hear Me Now?

Be sure and cancel your credit cards before you die...... This is 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, now somewhere

around $60. 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


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


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 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. 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?!


Gary Gray, RFC
Tax & Financial Consultant
877-817-6031 toll free
866-361-3872 fax

"Learning is like soap, it only works if it is applied"


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