Ugly Hedgehog - Photography Forum
Home Active Topics Newest Pictures Search Login Register
General Chit-Chat (non-photography talk)
Be sure and cancel your credit cards before you die!
Page 1 of 2 next>
Apr 5, 2014 08:45:58   #
Nikocarol Loc: NM & FL
 
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 is 60.00.



A family member placed a call to Citibank:



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.'

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???'



*******************************************************

A really fun commercial

http://www.youtube.com/embed/pfxB5ut-KTs?rel=0

Reply
Apr 5, 2014 09:02:51   #
Marionsho Loc: Kansas
 
Nikocarol wrote:
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 is 60.00.



A family member placed a call to Citibank:



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.'

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???'



*******************************************************

A really fun commercial

http://www.youtube.com/embed/pfxB5ut-KTs?rel=0
A lady died this past January, and Citibank billed... (show quote)


Thanks, I needed a good laugh this morning.

Reply
Apr 5, 2014 09:07:34   #
MikeMck Loc: Southern Maryland on the Bay
 
I spent almost 50 years in the banking industry. That conversation is exactly what would have happened with Citibank. Morons!

Reply
 
 
Apr 5, 2014 09:12:25   #
chapin in utah Loc: Utah
 
Great post.
Thanks!

Reply
Apr 5, 2014 11:51:02   #
tschmath Loc: Los Angeles
 
MikeMcK wrote:
I spent almost 50 years in the banking industry. That conversation is exactly what would have happened with Citibank. Morons!


Funny that you spent 50 years in the banking industry, yet everyone ELSE are morons. Shouldn't we assume you are or were part of the problem? Just sayin'.

Reply
Apr 5, 2014 14:59:29   #
MikeMck Loc: Southern Maryland on the Bay
 
tschmath wrote:
Funny that you spent 50 years in the banking industry, yet everyone ELSE are morons. Shouldn't we assume you are or were part of the problem? Just sayin'.


Nope, I was an accounting systems guy. Notice I did not say I was a banker, I never considered myself a banker.

Reply
Apr 6, 2014 09:36:10   #
Batman Loc: South-Central Texas
 
tschmath wrote:
Funny that you spent 50 years in the banking industry, yet everyone ELSE are morons. Shouldn't we assume you are or were part of the problem? Just sayin'.


You never improve do you?


:thumbdown:

Reply
 
 
Apr 6, 2014 09:57:06   #
GeneB Loc: Chattanooga Tennessee
 
Have you noticed that nearly all call centers behave this way no matter the industry. I have not figured out how far up the ladder to go to find anyone applying common sense to something like this. If you find out how far above manager to go to get good results let me know.

BTW loved the story

Reply
Apr 6, 2014 10:15:07   #
anotherview Loc: California
 
This sarcastic fiction asks us to presume the banking industry has never put in place a successful mechanism for addressing the death of one of its account holders. In other words, this fiction requires us as readers to suspend disbelief. But why? Evidently, this kind of fictional dialog appeals to a limited mentality that gains a low satisfaction from such dialog at the expense of banks.

For the record, an individual handling the estate of a deceased person can present a death certificate to a bank officer who will perform the routine procedure for closing a bank account.

As well, a bank account holder can submit a form to the bank which tells the bank what to do on the death of the account holder. This form is called Pay-On-Death, and it names a beneficiary. You can get this simple form from the bank. Read more here:

http://www.nolo.com/legal-encyclopedia/question-set-up-payable-on-death-account-28260.html
Nikocarol wrote:
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 is 60.00.



A family member placed a call to Citibank:



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.'

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???'



*******************************************************

A really fun commercial

http://www.youtube.com/embed/pfxB5ut-KTs?rel=0
A lady died this past January, and Citibank billed... (show quote)

Reply
Apr 6, 2014 10:24:08   #
UP-2-IT Loc: RED STICK, LA
 
MikeMcK wrote:
Nope, I was an accounting systems guy. Notice I did not say I was a banker, I never considered myself a banker.


Bet that was a pain at times.

Reply
Apr 6, 2014 10:43:09   #
MikeMck Loc: Southern Maryland on the Bay
 
As well, a bank account holder can submit a form to the bank which tells the bank what to do on the death of the account holder. This form is called Pay-On-Death, and it names a beneficiary. You can get this simple form from the bank. Read more here:

http://www.nolo.com/legal-encyclopedia/question-set-up-payable-on-death-account-28260.html[/quote]

Its really too bad Citibank didn't tell their CSR's!!

Reply
 
 
Apr 6, 2014 10:44:32   #
MikeMck Loc: Southern Maryland on the Bay
 
UP-2-IT wrote:
Bet that was a pain at times.


I'm afraid you have to be very anal to do what I did, lol.

Reply
Apr 6, 2014 11:07:05   #
tschmath Loc: Los Angeles
 
MikeMcK wrote:
Nope, I was an accounting systems guy. Notice I did not say I was a banker, I never considered myself a banker.


So let me get this straight.

Someone who teaches is a teacher
Someone who works on a farm is a farmer
Someone who paints houses is a painter

And you worked for a bank yet you weren't a banker. Exactly what is your definition of a banker?

Is a teller a banker?
Is a loan officer a banker?
Is a branch manager a banker?

At what point do you become, in your mind, a banker? Seems to me that anyone who works in accounting for a bank, as you say you did, would be considered a banker, but what do I know, right?

Reply
Apr 6, 2014 11:09:05   #
MikeMck Loc: Southern Maryland on the Bay
 
tschmath wrote:
So let me get this straight.

Someone who teaches is a teacher
Someone who works on a farm is a farmer
Someone who paints houses is a painter

And you worked for a bank yet you weren't a banker. Exactly what is your definition of a banker?

Is a teller a banker?
Is a loan officer a banker?
Is a branch manager a banker?

At what point do you become, in your mind, a banker? Seems to me that anyone who works in accounting for a bank, as you say you did, would be considered a banker, but what do I know, right?
So let me get this straight. br br Someone who te... (show quote)

Reply
Apr 6, 2014 11:10:52   #
MikeMck Loc: Southern Maryland on the Bay
 
tschmath wrote:
So let me get this straight.

Someone who teaches is a teacher
Someone who works on a farm is a farmer
Someone who paints houses is a painter

And you worked for a bank yet you weren't a banker. Exactly what is your definition of a banker?

Is a teller a banker?
Is a loan officer a banker?
Is a branch manager a banker?

You really need to find something to do!


At what point do you become, in your mind, a banker? Seems to me that anyone who works in accounting for a bank, as you say you did, would be considered a banker, but what do I know, right?
So let me get this straight. br br Someone who te... (show quote)

Reply
Page 1 of 2 next>
If you want to reply, then register here. Registration is free and your account is created instantly, so you can post right away.
General Chit-Chat (non-photography talk)
UglyHedgehog.com - Forum
Copyright 2011-2024 Ugly Hedgehog, Inc.