I think the glitch in your question was that the IRA custodian did not create inherited IRAs for each beneficiary -- it just created separate accounts for each of them.  Was it an insurance company, by any chance?  I have seen them do this because they hate to give up money.  As long as the beneficiary has an account, they are "customers" and the "do not call" rules do not apply.  The parasitic commissioned salespersons are free to pursue their cash.   

You can't tell the guy who caused the problem to be more careful next time, because he's dead.