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On Death Kins should Close All Card Accounts else this can happen to You

A lady died in 2016 January, and HDFC Bank billed her for Feb '16 & Mar '16 for  *annual service charges* on her credit card, and *added late fees* and *interest* on the monthly charges!!!

The balance had been Rs.0.00 when she died, but now it was around Rs.6000.

 A family member placed a call to HDFC Bank. Here is the conversatio :

*Family Member*: "I am calling to tell you that she died in Jan '16."

*HDFC Bank*: "The account was never closed. So the late fees & charges still apply."

*Family Member*:๐Ÿ˜ณ "Maybe, you should turn it over to yr collections dept."

*HDFC Bank*: "Since it is two months overdue, it already has been."

*Family Member*: "So, what will they do when they find out she is no more?"

*HDFC Bank*: "Either report her account to frauds division or report her to the credit bureauor maybe both!"

*Family Member*: ๐Ÿ˜ท "Do you think God will be mad at her?"

*HDFC Bank*: ๐Ÿ˜ณ "Excuse me?"

*Family Member*: ๐Ÿ˜ก 'Did you just get what I was telling you - the part about her being dead?"

*HDFC Bank*: ๐Ÿ˜’"Sir, you'll have to speak to my supervisor."

Supervisor gets on the phone: 

*Family Member*: "I'm calling to inform you that she died in Jan '16 with a Rs.0 balance on her credit card."

*HDFC Bank*: "The account was never closed and late fees and charges still apply."

*Family Member*: "You mean you want to collect from her estate?"

*HDFC Bank*: (Stammer) "Are you her lawyer?"

*Family Member*: "No, I'm her grand nephew."

*HDFC Bank*: "Could you fax us a certificate of death?"

*Family Member*: "Sure." (Fax number was given )

After they got the fax :

*HDFC Bank*: "Our system 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."

*HDFC Bank*: "Well, the late fees and charges will still apply."

(What is wrong with these people?!?)

*Family Member*: "Would you like her new billing address?"

*HDFC Bank*: "That might help..."

*Family Member*: "Odessa Memorial Cemetery, Grave no 1169, Avinashi, Coimbatore."

*HDFC Bank*: "Sir, that's a cemetery!"

*Family Member*: "And what do you do with dead people on your planet???"


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