GE Money Chevron Unfair Business and derogatory Credit Reporting Practices El Paso, Texas

While the OP left a lot out to actually be able to tell what they "think" the RipOff is. But if it has to do with them closing a credit line, then there is NO RipOff. There is no law or regulation that forces a creditor to keep a credit line open. It doesn't matter if you have had a pefect history for 20 years(although I doubt that this is the case here)..they can close it.

Now, as for Christina, that is fairly standard procedure. A credit card company is not going to take someone's "word" thatthe account holderdied. What they are asking is one of the responsibilities of the executor of the estate to take care of. If you are the executor then I am sure this is nothing more than you probably had to do with others, but with how you wrote it I doubt you are the executor. So just contact the executor and let him/her take care of it...problem solved.

One very simple reasonwhy they do this is because some people would use that to their advantage. Let's say youwere fighting with a relative. What if that relative called up and told all of your creditors that you died and the creditors took their "word" for it. What would you say when you find out your credit cards were all closed because someone called up and said you died without any proof?

You only pay for the certified death certificate once, as well as the appointment of executor. Then you make copies and mail or fax to affected parties. No big deal. You are NOT required to send and original cerified copy to anyone. If they want it, THEY can pay for it, after all it is public record. All you have to do is send it to each credit bureau and put on a consumer statement that your mother is dead. Real simple. Creditors see this and close all accounts and that SS# gets flagged in their systems.

Done.

The first thing that you need to understand is that having credit is a PRIVELEDGE, not a "right". Any bank can shut down your account any time they feel like it. Not illegal. Not unethical. Just business.

Just taking an educated guess here, from past experience, you are overextended and/or maxed out on several cards and they did a periodic review, and pulled the plug. That's what I see.

Well, I can tell you from personal experience that you have just hit rock bottom, and this is a sign that your life truly sucks.

When you get shut down on a GAS CARD you have hit rock bottom.

And, I can tell you with absolute certainty, from past experience that there is MUCH more to the story here, meaning your credit was already shaky, if not horrible as a whole.

You see, I dealt with GE Money Bank on a Chevron Card. Even after I walked away from all of my creditors and went seriously delinquent, they kept my card open until I cancelled it!

Hint: If you pay late, they will report late payments to your credit reports.

If you did not pay late, you can dispute it under FCRA rules, and you can sue for damages.

The bottom line here is that banks don't just shut down credit card accounts for something to do. There is always a reason, whether or not you see that reason, or agree with it.

This rebuttal is directed to the last rebuttal regarding GE Money Bank requiring a copy of the death certificate to close the account.

First, I am sorry to hear of the loss of your Mother. I am sure it is a very difficult time for you now and GE Money Banks' requirement of the death certificate seemed irreverent and unreasonable. However, part of your duties as an Executor (or Executrix, whichever the case may be) is to wrap up the deceased persons financial affairs including close accounts, pay debts, and pay taxes out of the estate.

GE Money Bank requires a copy of the death certificate so they can properly close out the account. Yes, those certificates cost money, but ony a nominal amount. You can get multiple certified copies from your states' Department of Vital Records. At a minimum, you will need a copy for each of the creditors your Mother hadwhen she passed. If your Mother has a large estate or a complex one, you might want to enlist the help of an attorney to make sure everything is completed correctly. It is a difficult enough task, but in conjunction with the emotional toll, it canfeel overwhelming. Good luck to you.

This rebuttal is directed to the last rebuttal regarding GE Money Bank requiring a copy of the death certificate to close the account.

First, I am sorry to hear of the loss of your Mother. I am sure it is a very difficult time for you now and GE Money Banks' requirement of the death certificate seemed unreasonable. However, part of your duties as an Executor (or Executrix, whichever the case may be) is to wrap up the deceased persons financial affairs including close accounts, pay debts, and pay taxes out of the estate.

GE Money Bank requires a copy of the death certificate so they can properly close out the account. Yes, those certificates cost money, but ony a nominal amount. You can get multiple certified copies from your states' Department of Vital Records. At a miniumu, you will need a copy for each of the creditors your Mother hadwhen she passed. If your Mother has a large estate or a complex one, you might want to enlist the help of an attorney to make sure everything is completed. It is a difficult enough task, but in conjunction with the emotional toll, it canfell overwhelming. Good luck to you.

The first thing that you need to understand is that having credit is a PRIVELEDGE, not a "right". Any bank can shut down your account any time they feel like it. Not illegal. Not unethical. Just business.

Just taking an educated guess here, from past experience, you are overextended and/or maxed out on several cards and they did a periodic review, and pulled the plug. That's what I see.

Well, I can tell you from personal experience that you have just hit rock bottom, and this is a sign that your life truly sucks.

When you get shut down on a GAS CARD you have hit rock bottom.

And, I can tell you with absolute certainty, from past experience that there is MUCH more to the story here, meaning your credit was already shaky, if not horrible as a whole.

You see, I dealt with GE Money Bank on a Chevron Card. Even after I walked away from all of my creditors and went seriously delinquent, they kept my card open until I cancelled it!

Hint: If you pay late, they will report late payments to your credit reports.

If you did not pay late, you can dispute it under FCRA rules, and you can sue for damages.

The bottom line here is that banks don't just shut down credit card accounts for something to do. There is always a reason, whether or not you see that reason, or agree with it.

This is really not related to the OP's complaint, but further illustrates the way these folk do business. My mom had a JC Penney card, this is the bank which issues it. She died in September and I recently found her card. I called to cancel it, and after speaking to several individuals and listening to a lot of on-hold music, I reached a representative of this bank. They were unwilling to cancel the card unless I mailed them a certified death certificate and a copy of the letter appointing me executor. There is no balance on this card, and the documents they requested cost money to provide. I was trying to prevent fraud, if they don't want that help...well, never mind.