Deceased persons credit card debt

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    I hope you can help.
    My Mother in law passed away with no assetts, about €5k in her bank and credit card debt of €3k. We notified the bank and her accounts were frozen. We now contacted the bank to finalise everything and close the account. We were of the understanding that the first people to be paid would be the funeral home. The bill is about €4.5k. Today we discovered the Credit card company have accessed the account and taken the €3k.
    My question is are they allowed do this if the funeral home hand’t been paid. Her card and bank are the same provider but there was no direct debit agreement.

    Any advice welcome.

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