****3-2-09 UPDATE Obviously a lot of new visitors will be arriving due to the NY Times story called So You're Dead? That Won't Stop The Debt Collector in which I was interviewed and appeared in the story on DCM Services. The reporter was very professional and the story seems well researched. However, my post below is 100% accurate and perhaps I might be in the minority on what happened, but it happened as I outlined it below. Finally, I don't recall being told that I didn't have to pay this debt.*****
I received an odd call today. It was from DCM Services and they are a collection agency that collects on deceased people's payments. Seems pretty morbid huh? Well they called me and refused to give me any information as to why they called. After digging my heels in and going with some old skills I learned from AT&T (speak with a real supervisor, do not consent to having the call recorded, give zero information out until they identify themselves, get a direct line), it turns out that they are a collections agency for Discover Credit Card.
Hmm, you are probably wondering, well maybe my Dad was late on payments. Well it turns out that he had a Discover bill that was due on August 6th, 2008 and it has no missed payments on it and the dollar owed amounts to a few cups of coffee. It seems Discover Card in their infinite wisdom can't even wait 30 days passed when a love one dies and hands over your account to a collection agency who has the phone skills of a 3 year old kid hyped up on too many candy bars.
Allow me to let that sink in. For a bill that was not late and totaled a few cups of coffee, Discover Card outsourced my deceased father's account to a collection agency who tried to collect on a bill that wasn't past due. DCM Services has no prior relationship with me and called a number on a do not call list.
Discover card is slimy for even handing over a good standing account to a bunch of grave robbers like DCM Services. DCM Services - avoid them if you can. They can get your personal information and especially your loved ones. Discover Card should not be a card you have in your wallet. They hand over good standing account information to a third party (BTW - that account has been paid in full and closed. The rep on the phone of course has never heard of DCM Services).