I'm Fuming Right Now, And Am Gonna Vent. Fuck Chase Bank.

[OPERATIONMINDCRIME]

Ever get so pissed at a company that you start almost trembling in anger? That's where I'm at right now.

Story goes like this:

After my wife passed away I called her Chase credit card to notify them of her passing and to close the account, hold the automated draft, and send me whatever information was necessary. I told them there wouldn't be money in her checking to cover the automated draft, but to send me the bill and I'd immediately take care of whatever was necessary. They were amazingly nice and helpful and said it would be taken care of.

Fast forward to this past friday. I'm looking at her account online and see it was all of a sudden -610 dollars. I click on the account and see that Chase autopaid her credit card from her checking account anyway, thereby overdrafting it. I called the credit card back and asked them why the hell they did that. After being on hold for 40 minutes while they investigated everything, they came back and told me how sorry they were, that they see the notation on the account from Oct 5th that I notified them etc, but that they didn't know why nothing was taken care of and her account was still active. They apologized up and down, told me they'd put the account on hold now, but that they couldn't reverse the 610 charge and that I'd have to call the Chase bank division and file a dispute, against themselves. They at this point were still very nice and cooperative, and gave me the number to call.

Then this morning I call that number. The customer service rep for the bank was once again very nice and extended condolences as well as apologies for chase's mistake. She said she'd transfer me to the dispute department and they'd take care of me.

Well, then the shit started. I was on hold for twenty minutes and when I finally got someone, they were no longer being so nice and cooperative. Before they even let me explain anything, they told me they can't do anything until I go to a bank, show i.d., death certificates, etc. I had to cut her off 10 times in a strong voice to finally get her to listen. I said I am NOT going to jump through hoops for THEIR mistake, and that I want this charge and any overdraft fees reversed to the credit card asap and that I will then settle the bill accordingly. She didn't want to hear any of it. She was cold and unhelpful, and I started getting pissed. She kept saying I had to prove who I was or they couldn't reverse the charge. I told her "You don't understand. It doesn't matter WHO the hell I am as far as this matter is concerned. You guys made the mistake and have owned up to it, and I could be Joe shmoe for all it matters. The fact is you overdrafted a deceased persons account after being told not to, you've owned up to it, and now you need to reverse that charge and correct YOUR OWN mistake". She then said "thank you for banking with Chase" and hung up on me. I was fucking fuming.

I called back again and gave them a piece of my mind. I told them I have too many damn things to do already and I'll be damned if it is ME who has to run to banks and jump through hoops for their mistake. I told them the way I see it, the credit card has been paid but her account is negative. I told them she's deceased and that for all I care, her account could stay negative 610 bucks forever. I told them if they aren't going to correct their own mistake, then they can eat that 610. I told them THEY can jump through the damn hoops if they want that 610 and they can figure out how to sue the estate. I don't care. If they aren't going to correct their own mistake they can let that -610 rot in her account forever, or have to go through their own hoops to sue for it. If that day comes, I will explain exactly what happened, have it all documented on their system, and will undoubtedly have any overdraft fees reversed anyway since it was their mistake, but I'd still be responsible for the 610. I'm fine with that. I'll pay the 610. But they can be the ones jumpin through hoops to get it. I ain't gonna lift a finger for them anymore and if they want her checking account brought to zero they can go through the effort of figuring out how. Fuck Chase. They have the nerve to force payment of the credit card from a DEAD person's account even after being notified that the account would be empty and to please send me the bill to take care of. Then when they make that mistake, they try and put it on MY shoulders to rectify, though they own up to their being the ones who made the mistake? Well fuck that. Let them come and get it them damn selves.

And even while I'm typing all this, I'm still on hold. I've been bounced around 10 times already and it has now been almost TWO FUCKING HOURS I've been dealing with this phone bullshit. I'm fed up, I'm fuming, and as soon as someone comes on the phone I'm going to repeat the ultimatum: Either reverse the charge, which I KNOW they have the power to do, or let the -610 rot forever for all I care, cause they won't see a dime from me.

Thanks for letting me rant, but I just DIDN'T HAVE TIME FOR THIS SHIT RIGHT NOW. I'm emotionally and physically exhausted, have a million other things to do, and have to go back to work tomorrow. I'll be damned if I to now take on the responsibility of correcting some bank's mistake. I repeat: Fuck Chase.

Rant off, and God Bless.

[SallyMander]

1. So sorry you are dealing with that BS

I probably would have hung up in tears a long time ago! How totally frustrating... :hug:

[Sugar Smack]

2. It's truly impossible to deal with that on the phone.

1-half the time you find someone who has no idea what they're talking about.

[KitchenWitch]

3. I am so sorry you have to deal with this bullshit

You have enough more pressing stuff to handle.

:hug:

[Midlodemocrat]

4. OMC, unless it is a joint account, you are not liable for payment.

If the account was in her name, even with you as an authorized user, you are not liable.

Learned that the hard way when my mom died. Many thousands later.

:hug:

[regnaD kciN]

5. Unless New Jersey is a community-property state...

...in which case, her debts become your debts. :-(

I expect this crap from Chase. I've had bad experiences with them in the past.

[OPERATIONMINDCRIME]

8. That's How I See It...

That's what I told them. I said there's nothing in this for me, that her credit card is paid and it's not like I'm trying to get funds from her account, since that had already been taken care of and there's no balance in there for me. So I said it's all in their interest, not mine. That I'm not going to be the one going to branches and taking care of this stuff as if it were my responsibility, when it was their mistake. I said for all I care, her account could stay negative forever, and that's not my problem. I said if they want to see the money then they need to figure out how to reverse it with their credit card branch and they can jump through their own hoops to get that done, but that I'm not doing another thing. This is their problem, that they've tried to turn into my problem. But I don't quite let people get away with that (see? the OMC prickiness does come out sometimes in real life, but only when someone's tryin to screw me).

I actually RIGHT NOW finally got off the phone with them. It's now been three hours since I started all of this and I didn't even have the three hours to give. I resent them for how they just took away that time from me that I really needed in order to do other things that are still not yet taken care of.

But for now, I'm done. The last person I was transferred to was really nice and was shocked at how the dispute department and some others treated me. She said unfortunately though, it is impossible for them to stop the overdraft fee from occurring tonight, because they have no system set-up that allows them to do so. She said the charge will come no matter what, but that in the future I just have to go to the local branch in person to dispute it, along with all documentation, and that there would be no problem in erasing the fee. She was polite as was I, and that's how we left it.

But after I hung up and reflected, I decided I'm not going into the branch. The account can stay negative for all I care and I'm not doing a damn thing for them after this morning. Maybe in the future I'll reconsider, but for right now I'm at the end of my rope and pissed as hell that I had to go through 3 friggin hours of this bullshit this morning. Fuck them. Like you said, it's not my responsibility nor do I benefit in any way. It is their money they're missing and if they want it, they need to figure out how to reverse their own errors. That's that. I'm done.

But man am I exhausted from this now and man did I not need this shit this morning. Now I'm going to relax for 5 minutes, reset my brain, and figure out how to reprioritize my day in the time I have left before I have to get the kids from daycare later. I got a million things I needed to do today, but thanks to Chase now some of them will have to be shelved, though I couldn't really afford for any of them to have been. Banks. Gotta love em.

[Breeze54]

27. I thought you signed on as Executer of the Estate?

That means you are liable. Most likely it was an automated payment,

like I have on my card to pay a few monthly bills. Didn't they ask

you for a password or secret question to verify who you are?

I'm sorry you're having these aggravations. I've been there as a

single Mom of three boys, so I know it's rough. You'll make it through

this too. One battle at a time. You have you're hands full now.

[liberalhistorian]

35. No, no, no, he is NOT liable!

If the account was in her name only, he is NOT liable as the executor, unless NJ is a community property state; I don't think it is (could be wrong, though). The estate is liable, but they have to make a claim with the estate within a certain amount of time, (usually three months from the date of notice of the acceptance of claims) or the claim is forever barred. But the executor is NOT personally liable at all, in any way.

Many collectors and collection agencies, and the collection divisions of financial institutions, will try to make people think that they are personally liable for the debts of a deceased loved one. But, unless they were a joint account holder or unless they're a spouse living in a community property state, that just isn't true. The collectrolls just take advantage of the fact that a lot of people don't know their rights and collection law, and take advantage of a very vulnerable time in people's lives in such situations.

[Breeze54]

37. Maybe I should've said responsible.

He is the husband and the executor! When my mother died, my Dad got all the bills to pay.
And he also collected all the unknown savings bonds she'd bought, etc. Then when my dad
died, my sister was the executor paying off his bills until the estate went through probate.
That took two yrs! The companies will still try to get any money that's still owed.

[liberalhistorian]

41. They can try to get the money, but they CANNOT get

it from the executor on a PERSONAL basis. They can only get it from the estate. They just want you to think they can get it from the executor or family member personally. The only bills your dad should have been responsible for were those he held jointly with your mom, period, unless they were in a community property state. I was a real estate and probate/business paralegal, I'm more than familiar with their tactics of attempting to get their money from spouses and family members who were NOT legally responsible or personally liable. They didn't want to go through the estate, but tough shit; that's what they have to do.

[Breeze54]

45. There is no need to get your britches in a hitch!

And my mother didn't owe anybody! She was taken care of in every way. Nobody took
advantage of my father or my sister. They are and were both quite savvy. But my sister
did pay off what little bills my Dad had, and one was Real Estate taxes, two years in a row,
until his estate was settled in probate. I paid his RE Taxes for him, one day before he died
suddenly. But he still got bills after his death because every thing was frozen for awhile.
While waiting for papers, certificates and permissions from judges. etc. It takes Time to get
all that stuff cleared up and settled.

[OPERATIONMINDCRIME]

42. I Just Wanted To Clarify Something:

I am totally willing to pay the bill and did everything I was supposed to. I know it is the responsibility of the estate to pay debts and I'm taking care of all of them. But this is different. There is no bill to send now since they paid the credit card from an account that had no cash in it. But the credit card end is taken care of. It is the checking account that is now overdrafted and there is no bill that is sent for such things. They were never supposed to have drafted the payment and they were notified well in advance to not do so. They've admitted their error and that they weren't supposed to have done it, and that they created the overdraft problem.

But they are saying they can't do anything to reverse it. They say I have to be the one to jump through the hoops and go to the bank to take care of it. But I'm not going to. It wasn't of my doing and isn't my problem. I did my part right. So if they want 'the estate' to pay the debt, then they first have to correct their own mistake, erase any overdraft charges, and then send me the bill to pay like they should've to begin with. If I get no bill, then there is nothing for the estate to settle. It's as simple as that. It is their problem that they created and they need to figure out amongst themselves how to resolve it. I have way too much shit going on right now as is, without having to deal with this crap. So I'm off to bed now, and will give this no more thought. It took way too much time away from me today already. Like I said: Fuck Chase. They can figure this one out on their own. And when they do, and I get an appropriate bill, I'll pay it without delay. Until then, I'm not giving it a second of more thought.

[Breeze54]

44. I understand that, Jeremy.

and I'm not saying that you won't pay your bills, if that should happen.

I don't blame you for being upset with them either.

Just talking about the way these kinds of things go.

It can be a wicked pain in the ass dealing with banks and other companies.

Hope you got some rest today. :hug:

[skygazer]

28. I hate frigging banks

And they're full of crap, too when they say they're "not set up to reverse the overdraft." Bullshit. They have computer systems that can automatically transfer funds all over the world and they can't reverse a fucking overdraft? Yeah, right. That was a diplomatic way of getting you to do exactly what all the rude bastards wanted you to do - go to a branch, show documentation, etc. For their error.

Yeah, I'd be pissed, too.

I'm sorry, OMC. I was just talking to a friend the other day who lost her husband last year and she was just astonished at the amount of administrative crap she had to deal with - and they had their accounts and stuff in very good order. I shudder to think of what its like for people who don't have any idea what's going on with their partner's finances. :hug:

[NewJeffCT]

6. If you don't get it resolved soon, contact your state Banking Commissioner

as well as any sort of Consumer Protection Department.

[havocmom]

32. ABSOLUTELY!

And a call to anybody you know at newspapers/radio stations asking for an advocate might not be a bad idea either.

[supernova]

7. You're not gonna like this OMC

You have to visit the bank in person with the death certificate in hand (and I think some ID showing you as executor of her estate) to close the account. It's not something that can be done over the phone. You'd think so, but no.

If it was a joint account, then you are free to reopen a new account in your name only, there or elsewhere.

And this will be repeated as many times as you had accounts.

Closing out someone's estate is very time consuming, painful, and all round sucky. Get used to it. You will save yourself a stroke.

Sorry to be a downer, but that's the way the death biz is. I wish it were easier. :-(

[OPERATIONMINDCRIME]

9. Oh I Know That Part. But This Is Different.

This was about their credit card division automatically drafting the bill from her checking, after being notified that she was deceased and not to do so, since there was no way to put funds in there. They were supposed to send me a bill of which I would've promptly paid. They drafted the checking account automatically anyway, though they shouldn't have. They've owned up to the mistake and said it was their fault, but they say it's impossible to correct within Chase itself and that it is on MY shoulders to go into a branch to reverse the charge.

As far as taking care of all her accounts, that's what I was doing all last week. I know you have to give death certificates, etc and all that other stuff. But to me this was separate. This was them forcing payment from her checking after being pre-emptively notified not to do so since there was no money in there, and to send me the bill instead. They messed up, and now they say it's impossible for them to correct their own mistake.

Ahhhh heck with it. I've invested too much time and emotion into this already this morning. I gotta run but thanks for letting me rant. It's amazing in it's own weird way, but the level of anger they made me feel this morning was the first time since the tragedy that I've been distracted enough to actually not be thinking about it, but focusing on something else. Kind of weird, how anger is powerful enough to do that, ain't it?

[Connonym]

10. Fuck them indeed

I had a negative experience with them when I had my car loan through them and I will never personally do business with that bank again. I'm really sorry that they're aggravating you. Bastards. Am I correct in understanding that the checking account that they attempted to withdraw it from is from a Chase bank? :hug: You definitely don't need this bullshit right now with all you're going through.

I think all banks are evil but the mega banks especially so. I do my banking with a local bank where the CEO is right there in the building. I like it that way.

:hug:

[halobeam]

11. Yeah, anger is powerful....

but you can come here and rant all you want, it's important to get it out. I'm glad you did.

You'll get everything done, don't worry about the time lost this morning in not being able to do other frustrating things. Their time will come, too. Without fail.

Hang in there. Enjoy the kids this afternoon, do something special with them to make up for this morning.

Best to you and the kids!

[Rabrrrrrr]

12. I think yours was a perfect response - let them figure out how to get the $610.

You don't need that shit right now. You tried to do the right thing, and you got fucked for being a good citizen.

As far as I'm concerned, your moral and ethical responsibility ends at that point. You tried to do it right, and they screwed you.

So now, let them try to get the money.

You're not liable for it, you really didn't need to do what you tried to do.

When my mom died, we tried and tried to pay the hospital for her final bills, but they wouldn't give us a total, wouldn't let us know what it was, and so on. Finally, about a year and a half later, they sent us a bill - I told my sister to send 'em a note that says "She's been dead for a year and a half, we tried and tried to work with you, and her estate was in probate for six months. But now her estate is closed out and gone. Good luck collecting from a dead person."

[meegbear]

13. Two words ... Fox News ...

well your local one.

We all know Fox News sucks, but one thing they can do is make a mountain out of a molehill. Find out if the local affiliate has a consumer help person. If not them, then whatever station does.

I'm sure once Chase is contacted and told they're doing a story on them "screwing over a dead person" (pardon my wording), I'm sure they'll have a change of heart.

My condolences to you OMC and good luck.

[Lyric]

15. I second this advice

Local news affiliates LOVE stories like this, and chances are that when the story airs, Chase will apologize and fix everything *very* quickly. They hate bad publicity, and there's always a chance the story could get picked up by the national media.

Call your local news outlet and offer them the story. :hug:

[kath]

21. I third this -- surely at least one of your local stations has a "consumer advocate" type feature

that they run periodically. Here in OKC it's "Brad Edwards, In Your Corner" - they show a situation where someone is getting screwed over by some company, and usually they get the screwer to make things right by the screw-ee, pronto.
Is there perhaps a relative of yours, or good friend, who could make the contact with the TV station??

[Rabrrrrrr]

18. Now THAT is one of the most brilliant ideas I've heard!

I never would have thought of it.

Good response for other times that businesses screw people over. I gotta remember that!

[Parche]

14. Bank

And hopefully you were not 'farmed' out and or talking to people in India or another Country.

Hope you get it settled........:hi:
God Bless

[SeattleGirl]

16. That sucks bigtime, OMC.

This is the last thing you needed right now.

:hug:

[redqueen]

17. Chase is THE WORST.

Seriously.

Sorry you had to try to deal with them, too. :hug:

[Dyedinthewoolliberal]

19. Wow!

You know a call or email to your US Representative or Senator might get you some help......... couldn't hurt. :shrug:

[againes654]

20. I am so sorry OMC

you have no idea who I am, but I know your story, and it has broke my heart. I have thought alot about you and your kids over the last few weeks. I cried when I heard Stacey had passed. No one deserves the pain you have had to endure. Know that you have touched so many people on DU, and in your life I am sure. We care about you, and you are in my thoughts and prayers.

Seems to be that when it rains, it pours. Chase sucks, and I will NEVER do any type of business with them.

Take care--:hug:

[Tommy_Carcetti]

22. It's okay....

The Arizona Diamondbacks are down 3 games to 0 in the National League Championship and face almost certain elimination tonight.

What's that got to do with anything?

Well, the Diamondbacks play at Chase Field. So Chase Bank loses tonight!

[Chovexani]

23. I used to work for Chase Card Services CS

Hell, you might have even spoken to me on the phone in the past. Unfortunately we were so hampered by the bank's policies that even if/when we want to go the extra mile for someone, we couldn't. :( I'm so sorry you have to go through this, and the sad part is any other bank would pretty much behave the same way. They're all rotten.

[Critters2]

24. My VISA just got bought by Chase,

and people in the know tell me to expect trouble. But still, you don't deserve this because a) you handled everything appropriately in the first place; and b) you've got enough shit to deal with.

Sorry this is happening!

[Writer]

25. I am sorry to hear this. This is not a complication you need right now.

Just stick to your guns... and here's a :hug: for you.

[hedgehog]

26. OMC - I don't know how it is in Jersey, but here in New York I'd call the

State Attorney General's office. After fighting with the phone company with no luck, I called in, got a form, filled it out with my story, sent it back and two weeks later I had my money. Somehow, when the person calling is from the state, they get results.

[LibDemAlways]

29. I'm so sorry Chase is doing this to you. It's the last

thing you need right now.

What is it with banks anyway? My 93-year-old uncle passed away last February. My mom and her sister, ages 85 and 82, are the beneficiaries of a CD he had that came due last month. The money is in Astoria Bank in NY. My mom lives in California, her sister in New Jersey. Long story short. The friggen bank will not release the funds to them. They have jumped through numerous hoops. A month ago the bank told them to send copies of their drivers licenses and social security cards. OK, done. My aunt called the bank this morning to find out what the hold up was, and was told the id they sent wasn't good enough. Get this. The bank wanted photocopies of a credit card in each of their names and, here's the payoff, the front and back of a library card. WTF? So this morning I get a frantic phone call from my mom to take her to the library so she can get a card. When she explained what she needed it for, I laughed out loud. But, I dutifully drove her to the library and got the card - which has no picture, no name, no nothing. It's just a computerized card that says "Los Angeles Public Library System." Then I take her to Kinkos, make a photocopy of the damn card, along with one of her credit cards (numbers taped over) and we fax everything to the bank. No response yet. For Christ sakes, they act like it's their money. Putting a couple of little old ladies through the ringer to get what they're entitled to anyway. Disgusting.

Off rant. Thanks for letting me do a cyber scream, and I realize it's nothing compared to what you are going through. It's just that goddamn banks think they're God.

I am thinking of you, as are many, many other DUers. God bless.

[ScreamingMeemie]

30. OMC, you are not going to like this, or probably me, after you read this

but, welcome to what happens to us when we lose our most treasured and loved. They don't care. They won't care...so...several times a week I have to fold up another copy of the words that tell me how, where and when he died...how my love is gone, and send it off to one or another of our credit card, insurance and mortgage companies to prove it to them. What I have found is that no one (in the business world) cares how much I loved him, how much I hurt, how much I wish I could die over this...they just care that I send in that certificate to prove that what I am telling them is true on the phone, through tears, is true. No one gets off on this, no one gets an easy route through. My father advocates a lot of it for me, but sometimes,for some of the tougher stuff, I had to show up in person. Does it suck, hurt, make you want to scream? You bet. Does it make you any different from any other spouse trying to deal with (what feels like to me) the eradication of the most wonderful person they have ever known? No. And sometimes they are even worse. Sometimes they tell you that, since your letter didn't come in as of September 30th, you are no longer eligible for the COBRA plan and you must now pay for your medications, your tests, your treatments all by yourself.

I would suggest getting an advocate for as much as you can, realize that you are not alone and run away from this for awhile. For me, DU is just yet another memory of who I used to be. I posted only because I wanted you to know that every spouse is treated the exact same way. And the sad fact of it is Fox, ABC, CBS, and NBC aren't going to care that life as we know it ended with the loss of our spouse. Not when Brittany is losing her kids.

Take care, take a break, take a breath. For me, it's about breathing and they can't take anything from a woman who has already lost everything. There's nothing in it for me to get upset about anymore.

[JohnnyLib2]

31. Take care, Mrs. Grumpy. Rough times.

My post for OMC follows.

[JohnnyLib2]

33. True story about such horrors.

A local physician and wife lost a child in a horrible accident. Like you, they were totally upended.

In support groups, they told how a friend got them a big box and labeled it, in big bright letters: STUFF FROM ASSHOLES. That helped, and
got it out of sight for awhile. Sometimes family or friends could help with some of the awful but necessary stuff.

All best wishes and cussing for you OMC.

[liberalhistorian]

34. Oh, Laura, once again, I can't begin to tell

you how sorry I am, how sorry we all are. I wish I could reach through the computer and give both you and OMC a giant hug. If it's any consolation to either of you, I think a lot of us here are no longer taking the important people in our lives, especially spouses/SO's, for granted and are recognizing the importance of treasuring them and their presence every single day. I'm getting married in a little over five weeks, and my fiance and I are doing just that now, not at all taking each other, or the time we spend together, for granted.

[Frustratedlady]

36. I know exactly what you are referring to...

but I want you to know that better days are ahead. Granted, your life will change even more, but you will adjust and move on. I never believed it when my husband died, but life smooths out.

Bless you.

[datasuspect]

39. you are a treasured person around here mrs grumpy

and my heart aches at your loss.

[OPERATIONMINDCRIME]

40. You're Right.

The part that got to me so much though, is that this had nothing to do with something I was supposed to do or wanted them to do. I did my part and everything was supposed to be taken care of, yet they made a mistake that they've owned up to. But in spite of that they now putting it on my shoulders to have to reverse as if I have to clean up their mistake. But the fact is that I have no stake in this. I'm not getting anything from this. I don't technically need anything from them. I'm not trying to get any money or service and in the end of it all it doesn't impact me at all. I was just trying to do the right things, did my part with the right things, and then simply wanted to alert them to their mistake and was optimistic they'd reverse their own mistake. But when I was treated the way I was this morning, as if they are powerless to do anything and now it is up to me to go here, there, bring this, bring that, when I have far too much on my plate already, it really ticked me off.

It was a chase credit card drafted in error from a chase checking account. I'm sorry, but they have to have the ability to figure that out from themselves. Send me the bill and I'll pay it. But there is no bill for an overdrafted checking account, so there's nothing on my end to do unless I choose out of good grace to go the the bank and settle the issue. But from the way I see it, that ain't my problem. I get nothing from this and did my part to begin with, and if they want the situation rectified then they're gonna need to figure out how they reverse a simple draft back to the credit card. I'm done with them.

But I understand completely what you're saying, and am prepared for that with other stuff. You have my utmost sympathy and respect for what you've gone through as well, cause I know how absolutely devastating the whole process is. I hope you're hanging in there best you can though I know how fresh and hard this all is on you as well. But I know you're strong too and I know in time you'll be ok as well. In the meantime, take care of yourself and thanks for thinking of me. You're in my prayers as well.

:hug:

[laylah]

43. OMC..

file a complaint with the BBB, that will get the dumbass's moving. Sorry you are even having to deal with this shit :hug: Take care of you!

[flamingyouth]

48. ...

:hug:

[likesmountains 52]

38. OMC...I'm sorry about this..but just keep asking to speak to a supervisor..

demand it..don't give in . Eventually you will get to talk to a person that can actually help you

[gmoney]

46. The sad thing is, there's more than the $610 at stake...

This is exactly the kind of dumb shit that can foul up settling an estate, which may tie up her assets indefinitely while it goes to probate and all the rest. It may even tie up YOUR assets one way or another, depending on just how slimy Chase's lawyers want to be.

I think you'll have a lot better luck going to an office if there's one anywhere near you, with the documents in hand, and find an actual human being to (politely) talk to about this. Ask for the branch manager if you have to. As Patrick Swayze said in Roadhouse: "Be nice until it's time to NOT be nice."

It's terrible that during one of the hardest times in people's lives that settling these kinds of details always presents such headaches. I hope that the rest of it goes smoothly for you... good luck.

[flamingyouth]

47. I was able to deal with this crap for about two weeks and I finally gave up.

I had to get my dad to help me eventually. My husband left debts all over - credit cards I never knew existed, you name it. Collection agencies called at all hours and were total assholes to me. I was finally able to settle his estate nine months after his death (I had to go to court to do it).

I'm sorry for bringing up my own story here, but I sympathize, believe me. Reading this takes me back to the most painful part of my life. I'm so sorry for you. :(