Woman Takes Revenge On Evil Bank

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mattstaff
Nov 8, 2020 12:00 PM EST

This bank just refused to be considerate and treat a human being going through a profoundly hard time, with a bit of humanity. No, instead it all boiled down to playing everything strictly by the book, even when playing it by the book was devoid of logic altogether. Fortunately, she was able to take her revenge eventually, to the tune of a five figure sum of money. Check out some more juicy pro revenge drama with this story about a scummy collection agency messing with a guy's credit score.

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  • 01
    Text - "No changes can be made without the account holder" (Malicious Complaince thought this belonged here and a power-tripping mod over there decided to remove the original post after breaking his own commenting rules and getting called out) A recent story reminded me of this act of malicious compliance by a family member. This family member's spouse passed was involved in an accident that left them critically injured. They were in ICU for months and would face permanent disability upon return
    via u/Disgruntled_Tofu
  • 02
    Text - As she worked on all of this, it was clear that large expenditures were going to be needed and it was going to take time to draw money out of long-term savings and retirement accounts. So she called the credit card companies to get their limit increased. Sadly, before the renovations were complete, her spouse passed away after almost 6 months of hospitalization and therapy. Now attention turned to final arrangements. The couple had always been very frugal and maintained nearly perfect cre
    via u/Disgruntled_Tofu
  • 03
    Text - The problem is one major credit card company refused to work with her. She tried to access the account and was told "Sorry, I have to speak the account holder." She explained that her spouse had passed away and she was wanting to pay what was left on the card, she also explained that she was an account holder. Evil Bank stated that she was not on the account, she was a mere card holder and she had no rights to the account. The person on the phone explained that her husband opened the acco
    via u/Disgruntled_Tofu
  • 04
    Text - This was a lie, the couple had always been joint account holders on everything since they were first married for exactly this reason. They had done extensive estate planning and made sure that all their assets were protected in trusts should the worst occur; they knew their kids would be cared for and their partner would be able to access everything. Also, she ran the couple's business for over a decade, navigating a sea of regulations, insurance company billing, and payroll/ finances/tax
    via u/Disgruntled_Tofu
  • 05
    Text - Unfortunately, Evil Bank would not budge. They would not allow any access to the account for any reason, but for some reason they didn't cancel the card after finding out the sole account holder had passed away. This back-and-forth went on for weeks with multiple calls to the Evil Bank and trying to escalate the issue to supervisors to address the state of the account. In a final attempt to show Evil Bank that they were hurting themselves by this: "So l'm unable to access any part of the
    via u/Disgruntled_Tofu
  • 06
    Text - Evil Bank: "Only the account holder, ma'am." "So what does that mean for card holders and being able to charge on the account." Evil Bank: "Only the account holder can deactivate a card or modify the account." "So what happens if a card holder uses their card." Evil Bank: "They can continue to use the card until the Account Holder tells us otherwise." "The deceased account holder." Evil Bank: "Yes. I can't help you with anything else, you need to put the account holder on the phone if you
    via u/Disgruntled_Tofu
  • 07
    Text - She broke down crying immediately after, but decided that they set the rules, so she would play by them. All the final expenses, medical bills, and as much construction cost as possible was put onto that credit card. She maxed it out and then let it sit until the credit card company started calling for payment. "I'm sorry, per your policy, I'm just the card holder and I'm not responsible for any balance." "Ma'am, this balance needs to be paid or it will affect your credit."
    via u/Disgruntled_Tofu
  • 08
    Text - "It better not, Il'm not on the account. This is an illegal collections call and I will be reporting it to the FTC and the Attorneys General in your home state and mine. I still have his number on speed dial. You can make your case to the court." (She was used to getting medical insurance companies to pay claims for the last decade or so; you didn't want to play hardball with her.) Remember how all the assets were in trusts? On paper, her partner had no assets to place a lien on; all the
    via u/Disgruntled_Tofu
  • 09
    Text - from long term savings were sent to her account, not the joint account. They had agreed to move all exposed assets shortly after her partner regained consciousness, fearing the worst. Plus, all the income from the business had been brought home in her name for more than a decade so she would actually get some kind of Social Security payment when she got older. So not only did his estate have no assets to go after, he didn't have an "income" for the last decade!
    via u/Disgruntled_Tofu
  • 10
    Text - Evil Bank was left with a maxed out credit card and no assets in the estate they could file against for payment. The handful of other credit cards companies worked with her to raise limits temporarily or remove daily spending caps for large expenditures - and they were all paid without a single missed, late, or partial payment. Evil Bank had to eat a 5-figure loss - all because they decided that The Wife didn't deserve to be on the account from day 1. She had every intention to pay every
    via u/Disgruntled_Tofu

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