reno
reno
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February 13th, 2014 at 12:06:43 PM permalink
A St. Louis woman is unable to refinance her mortgage or obtain a new credit card because the banks and the credit bureaus know that she's dead. Kimberly Haman says Heartland Bank assured her last April that it would fix the "mistake." But by the end of June, her mortgage application got turned down because her aliveness was still not reflected in her credit report.

“Dear Kimberly Haman,” wrote the bank. “We regret to inform you that we are unable to proceed with you loan as of today June 20, 2013. The reason for your denial is that your status from Equifax is reporting you as deceased.”

She then contacted Equifax about her predicament. Equifax won't budge. They know she's dead.

So she's suing Heartland Bank and Equifax for ruining her credit rating. The lawsuit alleges that Heartland and Equifax violated the Fair Credit Reporting Act by failing to properly look into the problem. The statute governs the accuracy of credit information circulated about consumers and establishes a process to investigate consumer disputes. Legal scholars are concerned that the tricky part of the lawsuit will be finding a medical expert to convince the court that she's not dead.

Heartland’s slogan, by the way, is “Real Life. Banking.”
onenickelmiracle
onenickelmiracle
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February 13th, 2014 at 12:12:29 PM permalink
I thought people need to contact the social security agency usually in these cases because it's usually from them the death statement comes from.
I am a robot.
chickenman
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February 13th, 2014 at 12:12:39 PM permalink
Quote: reno

Legal scholars are concerned that the tricky part of the lawsuit will be finding a medical expert to convince the court that she's not dead.



Ah, yes, isn't this the old "you can't prove a negative"?
treetopbuddy
treetopbuddy
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February 13th, 2014 at 1:32:40 PM permalink
It's all about the credit score……if Equifax says she's dead….she's dead.
Each day is better than the next
Perdition
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February 13th, 2014 at 1:36:18 PM permalink
Meanwhile at the Eqifax offices:

RolexWatch
RolexWatch
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February 13th, 2014 at 1:40:33 PM permalink
all they have to do is stall her
Buzzard
Buzzard
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February 13th, 2014 at 2:00:13 PM permalink
As long as she has income and a good credit score, being a zombie should not be held against her. Talk about discrimination !
Shed not for her the bitter tear Nor give the heart to vain regret Tis but the casket that lies here, The gem that filled it Sparkles yet
Kickass
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February 13th, 2014 at 2:09:09 PM permalink
Quote: Buzzard

As long as she has income and a good credit score, being a zombie should not be held against her. Talk about discrimination !



Totally agree, zombies should have the same rights as humans.
Leave Katie alone. Rasul: Or what? Or I come back and break your F** legs
Buzzard
Buzzard
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February 13th, 2014 at 2:12:03 PM permalink
And ditto-heads too, maybe.
Shed not for her the bitter tear Nor give the heart to vain regret Tis but the casket that lies here, The gem that filled it Sparkles yet
treetopbuddy
treetopbuddy
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February 13th, 2014 at 2:19:50 PM permalink
Quote: Buzzard

And ditto-heads too, maybe.



Mega dildos
Each day is better than the next
FleaStiff
FleaStiff
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February 13th, 2014 at 3:01:44 PM permalink
Medical records often have a DOD for Date of Discharge....
they also frequently have a DOD for Date of Death.

Some clerks see DOD and a list of prescriptions to get filled....
and think its Date of Death and the prescribed drugs are to be taken by a corpse.
DJTeddyBear
DJTeddyBear
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February 13th, 2014 at 3:10:40 PM permalink
Quote: Kickass

Totally agree, zombies should have the same rights as humans.

Whoa... watch the crazy talk.
Next you're gonna insist that zombies have a right to get married.
I invented a few casino games. Info: http://www.DaveMillerGaming.com/ ————————————————————————————————————— Superstitions are silly, childish, irrational rituals, born out of fear of the unknown. But how much does it cost to knock on wood? 😁
hwccdealer
hwccdealer
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February 19th, 2014 at 10:08:28 AM permalink
Presumably she's a member of Congress...she says she's not dead, but you know how full of crap those people are...
djatc
djatc
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February 19th, 2014 at 10:13:18 AM permalink
Quote: DJTeddyBear

Whoa... watch the crazy talk.
Next you're gonna insist that zombies have a right to get married.



Or vote. This is crazy talk.
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Mosca
Mosca
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February 19th, 2014 at 10:53:59 AM permalink
Hey, I know her. She's definitely dead. She shouldn't be applying for that mortgage. Sounds like a scam to me.
A falling knife has no handle.
Impmon
Impmon
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February 20th, 2014 at 10:59:52 AM permalink
She's lying.
reno
reno
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March 11th, 2014 at 9:37:11 PM permalink
Then there's this other woman, who had the exact opposite problem: she'd been dead for 6 years, no one knew it, and the bank kept automatically withdrawing her monthly mortgage payment from her savings account. Eventually the $54,000 savings account was depleted, the house went into foreclosure, the bank sent a contractor to evaluate the house, and the contractor discovered the corpse in the garage. Yes, the corpse had been in the garage since 2008, which is what makes the story so interesting because the corpse had voted in the 2010 election.
beachbumbabs
beachbumbabs
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March 12th, 2014 at 3:52:11 AM permalink
At least the cat didn't eat her.

No, really, that's one of the saddest stories around, that no one she knew missed her for 6 years.
If the House lost every hand, they wouldn't deal the game.
AcesAndEights
AcesAndEights
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March 12th, 2014 at 1:38:04 PM permalink
Quote: reno

Then there's this other woman, who had the exact opposite problem: she'd been dead for 6 years, no one knew it, and the bank kept automatically withdrawing her monthly mortgage payment from her savings account. Eventually the $54,000 savings account was depleted, the house went into foreclosure, the bank sent a contractor to evaluate the house, and the contractor discovered the corpse in the garage. Yes, the corpse had been in the garage since 2008, which is what makes the story so interesting because the corpse had voted in the 2010 election.


The thing that sticks out to me the most is - who keeps that much money in a savings account?!

Deploy your capital, people!
"So drink gamble eat f***, because one day you will be dust." -ontariodealer
Buzzard
Buzzard
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March 12th, 2014 at 1:43:02 PM permalink
I was at a funeral once where during the eulogy the speaker said " Fred is only sleeping ". The guy next to me, a bookie , whispered
" I'll lay 6 to 1 he don't wake up by tomorrow" !
Shed not for her the bitter tear Nor give the heart to vain regret Tis but the casket that lies here, The gem that filled it Sparkles yet
reno
reno
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March 12th, 2014 at 3:07:57 PM permalink
Quote: AcesAndEights

The thing that sticks out to me the most is - who keeps that much money in a savings account?!

Deploy your capital, people!



That's the part that jumps out at you? That her interest earnings were only 0.001% (or whatever pathetic rate banks pay on savings accounts)?

Apparently, she had recieved a large sum (severence?) from her employer (Chrysler) just before she died, so she hadn't had a chance to invest it wisely.
AcesAndEights
AcesAndEights
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March 12th, 2014 at 4:30:31 PM permalink
Quote: reno

That's the part that jumps out at you? That her interest earnings were only 0.001% (or whatever pathetic rate banks pay on savings accounts)?


Yes I know, I'm cold
Quote:

Apparently, she had recieved a large sum (severence?) from her employer (Chrysler) just before she died, so she hadn't had a chance to invest it wisely.


Okay, well that's an acceptable excuse.
"So drink gamble eat f***, because one day you will be dust." -ontariodealer
reno
reno
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July 11th, 2014 at 2:18:59 PM permalink
Have you registered for the draft? In June, the Selective Service System mailed notices to 14,000 Pennsylvania men, warning them that failing to register for the draft is punishable by fine and imprisonment. These 14,000 men were all born between '93 and '97. No, not 1993. 1893! All of these men died years ago. The youngest of these men would have been 117, i.e., the perfect age for military service.
Nareed
Nareed
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July 11th, 2014 at 2:20:38 PM permalink
Quote: reno

No, not 1993. 1893! All of these men died years ago.



And we thought we had safely overcome Y2K without any negative consequences...
Donald Trump is a fucking criminal
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