My question involves collection proceedings in the State of: FL
My grandfather opened a commercial credit card 15 years ago with $15000 limit through his and my grandmother's bank. My grandmother signed nothing as it was to be used primarily for his trucking. Fast forward. Grandpa dies June 2017. Bank is notified. Grandmother is ruled terminal in September 2017. She visits with her lawyer, updates will, appoints POA, updates housing deed, and assigns a beneficiary to her bank account. At that point the bank tells her there's a problem as they still have my grandfather as the primary account holder and when he updated his address for the account, they mistakenly neglected to update her address, too. We got all of that worked out, they issued a new debit card in her name, they sent us a form to fill out to remove my grandfather's name from the account, we did and sent it in.
Grandma died 11/23/17. I sent an email to the bank letting them know I was no longer POA as grandma died on Thanksgiving, but my cousin was now beneficiary. In FL it takes a good 3 weeks before the death certificates are available but I wanted to let them know that no other debits or checks made after 11/23 should be payable. (Caregiver had access to debit card) On 12/3 I checked the account to make sure Social security had not made any deposits to the account and they had. I called them to make sure they knew she died. They did and it was in process.
Yesterday I checked her account to make sure they took their money back and they had, but the balance was zero. On 12/6, the bank had taken the whole kit and caboodle ($4500) for what my grandfather owed on the credit card. This was my grandmother's social security money and what we will need for funeral expenses. (She had gotten a lump sum ($3700 and change) for when my grandpa passed and then $1732 for herself) She didn't sign anything stating they could take her social security to pay his debt and they did this with no notice. Also, they withdrew the money from a pay on death account that should have legally become the beneficiaries on 11/23. My cousin is the beneficiary. What should I tell him to do?