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The lawyer just called me back. All I can do is wait until they get the POA, DC. Call them back, try again to cancel it and fight any new changes.
Word of advice... NEVER disconnect your deceased loved ones phone until you get everything straightened out.
Seriously, I’ve cancelled my card over a lot less. If I don’t recognize a charge, that’s it! CANCELED!
When new card arrives, keep it stashed somewhere safe.
Are you dealing with BOA? if so, I posted my opinion of them below in the thread, but long story short, BOA is extremely difficult and it can feel downright impossible to deal with them. They are the worst ever; just don't be nice but be a bulldog.
A few things.
I'd do whatever is required and possible for you to freeze and/or close that account.
I wouldn't wait to dispute the charged.
You stated your parents didn't do anything online. My mom was the same, but with my then POA, which I only needed ethically for this, I set up the online account for mom myself, but I created a email account for mom that I had access and control to, and then I used that email to setup the online access to her BOA and other accounts. I then had control to see activity, etc. on the account. The only thing we couldn't do online was close the crappy BOA account. Whatever you do, do not put your name on the account. Your POA with Dad is good enough for everything else.
I never get paper stmts, but I know that online stmts will show vendors phone numbers if you drill down on each charge. I think you'll need to find that info to see who is charging on the account. Then contact them, if they're some legit vendor- like a subscription service - to get address info to send then the death certificate or just stop that service. You may be able to get a charge back from them if you explain the situation. But BOA will not help you there, I'm afraid. However, if it's not a vendor and someone just using the card at various stores, etc. then that is definitely fraud, and you'll have to deal with BOA. I suggest dealing with BOA in writing and documenting all your efforts with them.
I second the idea of reporting the card stolen, but verify the address on the account to where the new card will be sent. Hopefully, it's just the one address.
Maybe if reported stolen, they'll allow you to change the PIN code.
Also, when you setup the online access, fill out all the available security questions THEN call to change the code by answering the security questions you set up.
Since the codes are sent to your mom's old phone, I'm wondering if you can add a phone number to the account via online, then request the code be sent to either that new number (yours) or both. Might be worth a try.
Good luck!
Had to add that.
What a nightmare.
There is no logical reason for their behavior. You had a death certificate, for crying out loud!
It’s a shame that you had to deal with this nonsense shortly after your dad died.
tell them you’re contacting ting the police for fraud
Did you just mail the Executor paperwork and death certificate? Or did you talk to a specific department before you sent it off? If you didn't do this, you should have. If you did, then you will just need to wait for the process to work.
Last resort: You can report it as fraud and then they will shut down the account that second. That's what CapitolOne does to me every time there's a mystery charge. Shut down immediately. Usually they will then send out a new card in the mail right away. You can ask for it to be expedited. They might send it to where your Dad lives, so make sure to clarify where the physical card should go.
I came back to say that I had a thought. This maybe an automatic payment of some kind. Meaning you would have to call the company doing it to prove Mom is now deceased for it to stop. By freezing the acct, you may hear from this company and then u tell them Mom is deceased and the acct has been closed. The different amounts baffle me.
Please return to tell us what happened. It will help us in dealing with our parents and even ourselves.
I so wish I was there. When I worked I loved the research.
This situation is baffling to me as well. It certainly is a mystery.
I would like to know how the OP settles this situation.
I wonder how many others have gone through similar experiences.
The bank said we had to file a police report in order for them to stop future withdrawals. The bank also returned the last 6 (?) months of withdrawals but that was all that was required of them.
You might contact your state attorney general or office of inspector general to ask for help.
Local police might be able to help to find out who/what the payments are covering. Tell bank to remove auto payment...or close that acct and open new one.
Just keep all documentation of talking or writing to credit card company.
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