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Tarna is right, report the card as stolen.
Send for a credit report which might show what debt is being paid.
Then report it to the 3 major Credit Reporting Agencies as stolen.
Can you ask sister-in-law what the phone payment was for?
Can you check a shopping network bill, or an Amazon account?
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.
tell them you’re contacting ting the police for fraud
Seriously, I’ve cancelled my card over a lot less. If I don’t recognize a charge, that’s it! CANCELED!
Do you have an update on this?
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.
I let the company know, formally, that person who owned the card was deceased as of this date.
i let them know that all assets would be reallocated via a will and they would know longer be paid.
i closed the account from where the automatic payment was drawn so no more money went to the card.
In about one month, I got a closing statement.
Good luck!
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.
Someone else said this - and this was what we found to be significant after my son died. Those charges will keep adding up until they are canceled. We had such a difficult time with his internet provide Frontier (they kept saying they were sending forms and that they needed a death certificate along with the forms and we were NOT receiving anything from them) we finally found their app on his phone and used the app the cancel the service.
Report the card stolen. Then when the new one arrives, call Visa and set up a password on it. If a card has a password it cannot be used without it's password.
When new card arrives, keep it stashed somewhere safe.
He is the one OP is acting for.
So he is getting the charge now. And they won't cancel the card which is now his responsibility even tho he is sinking into dementia.
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.
I would make a list of charges that are not recognized by Dad. I would ask the credit card people where these charges are originating from.
Now you have POA for Dad you maybe able to get around all this. But if Mom was primary, Dads POA means nothing. Even though an Executor request has been made in a Will, your not executor until Probate gives u a short certificate saying you can handle a persons estate.
Now you have Dads POA and if he is primary on the card you call together. Making the person aware that you are on a Captel phone so Dads response time will be slow because there is a 3rd party involved. There really should be no problem in freezing the acct and fraudulant charges should be a good reason. You may need to make a complaint to the fraud department. So I would go that way first. Explain that there are unexplained charges on the card. That onebof these charges were made after Moms death and after her phone was shut off. If you get nowhere with the person answering your call, ask the person for a supervisor.
The important thing is to freeze that acct. Then the credit card company needs to tell you how this transaction was done and who it went to. Did Mom have a caregiver that would have access to her phone and card? These charges, while under investigation, cannot be charged financial charges. I think the Credit Card Company has 30 days to reseach your claim. The FTC (Federal Trade Comission) is in charge of Credit Card Companies. So contact them if you get nowhere with the CC company.
OMG does it ever end?
This is clearly fraud, but unless I can prove that a deceased woman didn't agree that they could use the card I have no case.
Time, that's it. I have to wait until visa gets the POA and death certificate and hope they let me cancel the card
I never would have guessed this would happen. I thought all I would have to do is find where the finances went. Did I think my brother would keep scamming my parents.. no, because I would never do it!
I would call the bank and tell them the card was stolen.
I gave visa my phone number but visa said it wouldn't work
I would call my state or federal representative. Maybe the tv station. Maybe one of those places can put some pressure on them.
Sheesh. I’m sorry this is happening to you!
Not a bad idea to call a television station. I would try anything at this point!
A friend of mine thinks it could be online shopping. By the way, my mom didn't have internet.
It says... automated phone payment, then a 4 number code, then the amount.
All code numbers are different so are the amounts
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.