What to do when a Best Egg account holder dies
Report the death to Best Egg Loan Servicing at 1-855-282-6353
Notifying Best Egg of a death is not a claim for money — it is the step that stops the account, fixes the balance owed as of the date of death, and puts Best Egg on notice as a creditor of the estate. Best Egg Loan Servicing (1-855-282-6353) handles it.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Best Egg.
Death claim process
Follow these steps to file a death claim with Best Egg:
Filing a claim
- Give the deceased borrower's name, the Best Egg account number, and a copy of the death certificate if available
- Best Egg says contacting it lets it "start our procedures for this situation as quickly as possible."
- Report a Best Egg Credit Card separately to card servicing at 833-707-1226 or cardservicing@bestegg.com
- Tell the title company or mortgage lender that a UCC-1 fixture lien is recorded against the home's fixtures and must be terminated before closing
- Have the lender email loanservicing@bestegg.com to request the payoff quote and confirm the loan will be paid in full from the sale or refinance proceeds
- Best Egg releases loan information to a mortgage or title company only against written authorization signed by the borrower, so establish your authority with Best Egg first
- If the sale proceeds will not cover the secured balance, raise that with Best Egg servicing before closing
Required Documents
- Deceased borrower's name and the Best Egg account number
- Death certificateA copy. Best Egg asks for it "if available" rather than requiring a certified copy up front.
- Letters Testamentary or Letters of Administration, if Best Egg asks for proof of authority to act for the estate
- Small estate affidavit, in place of court letters, where the estate qualifies
- Written authorization signed by the borrower, before Best Egg releases loan information to a mortgage or title company, as when the estate sells a home under a Best Egg fixture lien
- Power of attorney, if someone is acting under a power of attorneySigned by both principal and agent and notarized, with an unexpired notary commission in the principal's state, a notary not related by name, and language delegating banking or financial transaction authority.
Claims Contact
Website: Online portal →
What happens to each kind of account2
- Loan
A Best Egg Secured Loan carries a UCC-1 lien recorded in the county's real property records against the home's permanent fixtures, never the home itself. It shows up in title searches, stays in place until the loan is satisfied, and must be paid and terminated before the estate can close a sale or refinance.1
After the secured loan is paid in full and at least 10 days have passed, Best Egg files the UCC-3 termination statement with the county. The county's own processing time decides when the lien clears the record.1
- Account in one name
Best Egg does not offer joint loans and accepts no cosigners on the Vehicle Equity Loan, so no surviving co-borrower takes over the balance.1
Accounts handled elsewhere3
- Best Egg Credit Card servicing
The Best Egg Credit Card, a separate channel from loan servicing1
Phone: 1-833-707-1226
Email: cardservicing@bestegg.com
Mailing address: Correspondence: Best Egg Credit Card, PO Box 7606, Philadelphia, PA 19101. Payments: PO Box 70164, Philadelphia, PA 19176-0164.
- Column N.A.
Issues the Best Egg Credit Card and originates some Best Egg loans; Best Egg services them1
- Cross River Bank
Originates some Best Egg loans; Best Egg services them and handles the payoff1
What Best Egg provides to the estate1
- Payoff statement
Best Egg issues a payoff quote good for a date up to 30 days out. It can be downloaded from the Documents section of the Best Egg account, or requested by phone or by email.1
After payoff, Best Egg refunds any overpayment within 7-10 business days, and the paid-in-full status takes 30-60 days to appear on the credit bureaus.1
What Best Egg's agreement and guidance say1
- Who can get account information
Best Egg releases loan information to a third party such as a mortgage or title company only against written authorization signed by the borrower. For a sale or refinance, the estate's title company or lender requests the payoff.1
Not in Best Egg's published guidance2
- A claim form
- How long a claim takes
Sources1
Best Egg Loan Servicing can be reached by phone at 1-855-282-6353 and email at loanservicing@bestegg.com for questions throughout the claims process.
Sources
Data sourced from Best Egg primary sources (17 pages reviewed). How we research.
Best Egg death claims support
Best Egg Loan Servicing (Report a Death / File a Claim)
Phone
Best Egg Credit Card servicing
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your Best Egg accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
Forms for Settling an Estate
Free forms for settling an estate: the probate petition, small estate affidavit, notice to creditors, inventory, and closing forms.
Digital Assets Recovery Letter
Prepare a letter requesting a deceased person's online accounts, points, and balances from the program that holds them.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Affidavit of Heirship
Prepare the sworn statement of a deceased person's family history and heirs for recording in the county land records, with your state's recording instructions.
Small Estate Affidavit
Collect a small estate's property without probate — the sworn affidavit presented to banks and other holders, with a presentation letter for each.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines, and inheritance taxes.
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need and see ordering info for your state.
Do I Need Probate?
Find out if an estate needs probate or qualifies for simplified procedures.
Do I Have to File Tax Returns for Someone Who Died?
Find out which tax returns need to be filed after someone dies and whether tax clearance is required.
How Do I Settle an Estate?
Personalized plan for settling an estate after someone passes away.
What Do I Do When Someone Dies?
A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
How Much Are Estate & Inheritance Taxes?
Calculate federal estate tax, state estate tax, and inheritance tax for an estate.
