Often when someone passes all accounts are frozen, no activity until they hear from those carrying out closure of the estate. I would think it protects from fraud.
Have the accounts actually been taken or are they frozen.
I'm not clear if this is something that has already happened (seizing the CD money) or if Joyrenell is just wondering if it could possibly occur if the credit card debt lingers on. If the CD funds have already been seized to satisfy the outstanding credit card debt, the bank should be able to clearly show the rules/regulations that allowed them to legally do so. My gut is telling me it's probably spelled out somewhere that they can transfer money internally if one account is in default. If the funds have not yet been seized, my advice would be to satisfy the debt voluntarily with your mother's money and you won't have to worry about it. Credit cards are serious business.
Not that I am aware of. This is a debt that needs to be handled during probate I would think. Ask the bank if they have an agreement that they are allowed to do this. May be something in credit card agreement. If they can't prove this, you may need a lawyer to ask this question.
Have the accounts actually been taken or are they frozen.
Her money should be used to pay her bills. We all pay extra when others don't meet their obligations.