Bank called widow 48 times a day, lawsuit says
A Hawaii woman says Bank of America called her every 15 minutes asking for payment after her husband died.
A Hawaii woman is suing Bank of America for allegedly calling her up to 48 times a day for her mortgage payment after her husband died of cancer.
The 63-year-old woman, Deborah Crabtree of Honolulu, claims the bank's "robo-calling" debt collectors rang her phone every 15 minutes, from 7 a.m. until 7 p.m.
It all started Aug. 3 of last year, the day after Crabtree's husband died. Bank of America called Crabtree to request the monthly loan payment on one of her two mortgages. The couple's mortgage payments, totaling nearly $3,000, were due on the first of the month.
According to the lawsuit, Crabtree told the bank that she had only $5,000 for her expenses, which included burying her husband and preparing for his wake. She said she had asked for 30 days to get everything in order and promised to pay as soon as she received her husband's life insurance benefit.
The bank allegedly said that Crabtree had enough for the first mortgage payment and continued to call her every day for the next week.
Things got worse. On the morning of her husband's wake, Crabtree set up a speakerphone so long-distance friends and relatives could call with condolences.
You know where this is going. Every 15 minutes, people at Crabtree's house heard Bank of America calling to collect the debt, the lawsuit claims. The bank allegedly called every 15 minutes for the next week.
Bank employees said they couldn't stop the computer-generated calls from going to Crabtree's phone, the lawsuit claims. The calls are designed to stop only after a mortgage payment is made. Post continues following a video about another lawsuit, filed against Bank of America last year.
Bank of America would not comment on Crabtree's case, CNN reports.
A couple of weeks later, Crabtree mailed the mortgage payments, including late fees, to the bank. The bank asked for documents proving her husband had died, which it subsequently lost, and requested them again. Then the bank wouldn't talk to her because they said only her husband's name was on the "note" -- even though Crabtree was listed on the mortgage documents as a borrower.
You can read through Crabtree's complaint here (via Courthouse News). If what she's saying is true, it's a pretty damaging case.
The Social Security Administration usually tells the bank of a person's death within a month or two, but sometimes it's faster than that. And one expert tells CNN that creditors sometimes race to be the first to collect after a death before the money is gone.
Does that mean calling while family members are still grieving? Yes, in some cases. It's legal, but it's not very respectful.
Earlier this year, the Federal Trade Commission decided against a "cooling-off" period that keeps collectors away after a person's death. The commission said that collectors are already banned from contacting family members "at unusual or inconvenient times."
I'd say a wake is about as inconvenient as it gets.
More on MSN Money:
Add this to the LONG list of things BOA does...how can anyone DO business with them....
Really ... BOA is the worst corporation America has ever had !!!
Who said, " I trust no one but me and thee and I am not too sure about thee" Isn't this too true today in business? If you can't or just won't pay these people what you owe then expect the harassment. That is just how they do business. I worked for Citibank for years and when they break the rules, the customer is supposed to just "get over it".
My thoughts are to stop using the banks and let's figure out a better way to live. Maybe barter and trade.
SHE SHOULD WIN!!!! THIS IS SO DISRESPECTFUL.
I HAD A LOAN FROM CHASE BANK. THEY WOULD CALL EVEN IF YOU WERE WITHIN THE I5 DAY GRACE PERIOD DEMANDING PAYMENT. THEY WOULD CALL FROM THE PHILIPPINES ANYTIME AND COULD NOT SPEAK ENGLISH. THAT IS WHY JOBS ARE NOT AVAILABLE IN THE U.S. THESE PEOPLE IN FOREIGN COUNTRIES ARE WORKING FOR PENNIES AND TAKING OUR JOBS !!!!
OMG CHASE is THE WORST!!! Last year before the prez put limits on how much cc companies can raise your interest, these jokers raised mine 3 times within 2 mos from 11% to a gut wrenching 24%!!!! I contacted them, requesting to know WHY they were putting that rate so high when i'd been a loyal customer paying on time double what the min was on $10k, they responded with, if you dont like the rate PAY IT OFF!
I was SO INCENSED that I did JUST THAT!!!! It took me nearly a year, but this past July, I called them up and requested my balance so that I could pay it off and CLOSE IT! They couldnt understand WHY I was closing it out because i'd been such a good customer, to which I ever so sweetely replied, oh its just time for me to get rid of my debt and they were the beginning ......Ill NEVER EVER have ANYTHING to do with anything that has to do with Chase AGAIN!
BofA has never been nothing but good to me, no complaints so far .....
As for Chase:
Wife & I have mortgage w/them 15yr @ 4.5% (now half way paid off). Our credit card w/Chase? 36%!! I guess since they couldn't make enough from us on our mortgage they figured to rape us on the CC. They keep calling asking why we don't use it!! Duh!!
As for BofA:
2 identical CC. 3 yrs ago had both paid off. I noticed rates going from 8.99 to 11.99 IN 2 MONTHS. Called & asked why my rate was going up AND I QUOTE: "Because you're not using your cards." Then bought merchandise for our store to keep our rate down BUT IT KEPT GOING UP. I called again to ask why AND I QUOTE: "Because you're using your cards."
Rates now 13.99% on one & 18.99 on another. When I called to get them to lower to the same 13.99%. Their BS was "Oh, they're different cards." I REPEAT: THEY ARE IDENTICAL CARDS!!!
March 2011: The last straw - They told me that beginning in June I would be charged a fee of $59 PER CARD. I IMMEDIATELY CALLED THEM AND TOLD THEM TO CANCEL THEM. They tried to have me keep them open saying after one year they could reconsider the annual charge. My last words to BofA: "I will never use your bank for ANYTHING in my lifetime. Go F**K YOURSELVES."
BTW: We have (almost) perfect credit & will be CC debt free w/in months. Still have CC w/Citi and they (so far) have always been responsive (as I make purchases & payments for our store of approx. $10K a month).
Copyright © 2014 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
ABOUT SMART SPENDING
LATEST BLOG POSTS
Are you being stalked behind the wheel? Here's how to tell and what you can do about it.
VIDEO ON MSN MONEY
BLOGS WE LIKE
MUST-SEE ON MSN
- Video: Easy DIY smoked meats at home
A charcuterie master shares his process for cold-smoking meat at home.
- Jetpacks about to go mainstream
- Weird things covered by home insurance
- Bing: 70 percent of adults report 'digital eye strain'