Two weeks ago, I received a call from Wells Fargo, telling me a credit card, issued to my ex-husband, with myself as a co-signer, in 1997was in default. The divorce decree mentioned that card, among many, as being his responsibility. I was never given the whole card number, only the last 4 digits. I had never seen the card, nor do I believe I ever signed on it. I still haven't gotten ANY documentation from Wells Fargo—no statements, no bills, no nothing. I moved from a large house to a cottage several months ago, to pay off all my bills and to be able to live cheaply and debt-free. I told the credit collector that I had never received anything having to do with that credit card.
She said it didn't matter, and if I didn't make a payment by the following Friday my "credit will be dinged." I worked long and hard to bring up my credit score in the years following my divorce. I talked to my divorce lawyer, who told me to ask them for documentation—that we needed time to look at the paperwork—and I called them and told them I wouldn't be paying anything until I had some facts at my disposal. The Friday the payment was due, I got cold feet and went into my bank to make the payment. I didn't want to appear to be taking responsibility for a debt that was not mine, but I did not want my credit damaged. The banker there took a look at my divorce decree and told me not to make the payment, that "it was obviously not my responsibility" and that he'd handle it and get back to me the following Tuesday.
Nothing. No call, no documentation in the mail, nothing. Yesterday, I started to pay my bills online and discovered that $22,000 had been removed from my checking account. I called the Wells Fargo Collection department and asked how they could do that and they said: "We TOLD you you were responsible! You signed for that line of credit! (How could I know that when I had no paperwork, no history of the card, no nothing?) And that we had every right to take that money!
I am now in the process of trying to find a lawyer who will not only sue my ex-husband but Wells Fargo. All this is the truth. The money they took out of my account was already earmarked to pay for repairs to the ratty little house I live in and taxes.
I will join any class-action suit, any - anything to protest my outrageous treatment by these people. I have always paid all my bills on time. I would have been reasonable had I been given the simple information I asked for. I am so outraged, I cannot tell you.
I am an honest person and trustworthy and a ferocious opponent. This is all the truth.
I hate Wells Fargo. If you have money in there, get it out and into a credit union or a small bank that has the courtesy to behave in a forthright and responsible manner.
I feel like I was raped.
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