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Central Security Group Complaint - Dead is no excuse - Security Services
Security Services - Complaint
TULSA, OKLAHOMA -- Dead's not good enough
A family member recently passed who had service with Central secuity Group. When calling to terminate service, we were asked to provide multiple legal documents, such as a death certificate, copy of the will, probate letters, etc.
After these were sent, CSG continued to make automatic withdrawals form the deceased's bank account. Now that they have ran out of documents to request, they state that by contract, the only way out is to "buy out" the remainder of the contract, which is a substantial amount by their reckoning. However, they won't supply the contract to prove it.
This issue will be going to the Oklahoma Attorney General for starters, and other legal action assessed from that point.
A family member recently passed who had service with Central secuity Group. When calling to terminate service, we were asked to provide multiple legal documents, such as a death certificate, copy of the will, probate letters, etc.
After these were sent, CSG continued to make automatic withdrawals form the deceased's bank account. Now that they have ran out of documents to request, they state that by contract, the only way out is to "buy out" the remainder of the contract, which is a substantial amount by their reckoning. However, they won't supply the contract to prove it.
This issue will be going to the Oklahoma Attorney General for starters, and other legal action assessed from that point.
Comments:
Posted by jktshff1 on 2011-07-07:
Close the account the payments are being drawn on. I had a couple of these when my father passed that were problems.
Posted by Nohandle on 2011-07-07:
I've never had that happen JKT even when my mom died. Is it possible to notify the bank only one company is not allowed to process a payment and leave the account open? This would be to insure all checks and the like had cleared before closing.
Posted by jktshff1 on 2011-07-07:
Not really, I was executor for my dad, mom and brother...in my experience, it's better to close the accounts and open another account for the specific reason of settling the estate. Ya never know what they did in the final days. It also makes accounting easier since you are the one, for lack of a better term, keeping the accounts, and not having to worry about what happened in the past.
Posted by Nohandle on 2011-07-07:
It was required my brother and I set up a new account for the estate but the old account wasn't closed for a bit. Since I had to do all the paperwork I just wasn't certain what had transpired. Fortunately it worked out.
Posted by madconsumer on 2011-07-07:
after my parents passed, all we needed to provide to their creditors and other stuff was the death certificate. i find it odd to have to provide all the other documents. have you talked with the bank and see if they can assist?
could ftc help in this case?
could ftc help in this case?
Posted by Vinnie11 on 2011-07-07:
You must be very careful what you send to whom. They needed a death certificate and that's it. Once they establish you have probated the estate, they want to get in line as a creditor and collect the full amount.
Posted by trmn8r on 2011-07-07:
Closing the account may not solve the problem if they keep billing and it is paid and/or causes overdrafts.
When I closed my mom's account, electronic activity could still occur. A few small deposits rolled in, and the account was reactivated and I had monthly minimum balance fees kick assessed.
When I closed my mom's account, electronic activity could still occur. A few small deposits rolled in, and the account was reactivated and I had monthly minimum balance fees kick assessed.
Posted by ima_consumer on 2011-07-08:
OP here. Apparently they stated they wanted all the other documents to establish who could now make decisions and be the point of contact for the account. Or, as it seems now, maybe they were just stalling.
We have now closed the account, but it took time because the bank is careful and it takes time to jump through all of their hoops before they let you start controlling an account for a deceased, even though my wife was already joint on them.
When talking to CSG on the phone, when my wife expressed her incredulity at the situation, a very condescending CSG rep began to try and lecture her that "that is what the estate is for!"
At any rate, we have been making requests for a copy of the signed contract, which CSG has not produced. If they do not, but try to send collections after the estate, I intend to simply use the "proof of debt not supplied" response.
Thanks for all the helpful comments here.
We have now closed the account, but it took time because the bank is careful and it takes time to jump through all of their hoops before they let you start controlling an account for a deceased, even though my wife was already joint on them.
When talking to CSG on the phone, when my wife expressed her incredulity at the situation, a very condescending CSG rep began to try and lecture her that "that is what the estate is for!"
At any rate, we have been making requests for a copy of the signed contract, which CSG has not produced. If they do not, but try to send collections after the estate, I intend to simply use the "proof of debt not supplied" response.
Thanks for all the helpful comments here.
Posted by Anonymous on 2011-07-08:
ima consumer, in that case, all they needed was a copy of the death certificate and a copy of the notarization that shows who is appointed administrator of the estate. My family member is not deceased, but incapacitated and I have been making medical and financial decisions for months now. I find it very odd that no one (except the bank, who made me jump through hoops to prove I had the authority to act as administrative agent on behalf of the account holder) has asked for any proof of my claims of having authority to make decisions on the family member's behalf, they have all, with exception of the bank, just taken my word for it.
Posted by ima_consumer on 2011-07-08:
Thanks ript, I would agree with you.
I was not aware of all that was going on until now. My wife's sister is the executor of this estate and had sent several requested statements by letter, and with all else being dealt with (it was my mother in law that passed) for me this one was in the noise.
Until now, because it is the only one which has not been resolved.
I was not aware of all that was going on until now. My wife's sister is the executor of this estate and had sent several requested statements by letter, and with all else being dealt with (it was my mother in law that passed) for me this one was in the noise.
Until now, because it is the only one which has not been resolved.
Posted by jktshff1 on 2011-07-08:
good info ript
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