SC grandma's credit ruined after bank reports her dead

Deb Bopp is very much still alive, but says she's now living with ruined credit after a bank reported her dead to several credit agencies.

Bopp, who lives in Hemingway, says she hasn’t had time to mourn the death of her roommate and best friends of 26 years. Luann Mensing.

Mensing became ill in February, went into the hospital and never came home, according to Bopp.

“My phone rang and I picked it up, and the hospital said I need to come back. She is on ventilator," Bopp says. Luann passed on the 19th of February, 2018.

A few days later, Bopp says she started calling Mensing's creditors to notify the companies Luann passed away.

One of those companies was Ally Financial, from which Luann had gotten a loan for a car. Bopp was a co-signer on the loan.

“They sent Luann an invoice for a payment on the car, and I called and said, 'Excuse me, why is Luann getting an invoice when I already called you and told you she was deceased?'" Bopp says.

But Ally said Bopp was the one who was deceased, according to their records.

"I said, 'No!'"

Bopp says Ally asked for Luann's death certificate to clear up the confusion. While she was waiting on her friend's death certificate, Bopp says Ally's mistake had already killed her credit.

"They had already contacted all three credit agencies (and said) that I was deceased, so my credit plummeted down to 342,” says Bopp.

By March, Bopp says her credit was at zero. Not only that, she claims the stress of it all caused her health to decline.

Bopp hired a lawyer in April. Soon after, she was once again reported alive.

"I think I have been alive week or so. I don’t know if the accounts have been brought up," says Bopp.

Bopp says her credit has now rebounded, but she'd still like a formal apology from Ally and financial compensation.

For her troubles, Bopp says she asked Ally if they'd waive what's left on the loan for the car.

"They thought I'd lost my mind," Bopp says of the company's reaction.

Instead, Bopp says she's asking Ally to pay her attorney fees and to take $5,000 off the note on the car.

Bopp says the company countered by offering to make one payment on the note, but she says that's not enough.

A spokesperson for Ally told WCIV the company cannot share details regarding customer accounts with a third party, but says it is working with Bopp to get the matter resolved.

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