When I was divorced there was no balance on my credit card thru JcPenney. It was not mentioned in the divorce since neither of us were aware it was still active. I went to apply for a card and was told I all ready had an active account, so I dug out my old records and found my credit card. I used it to purchase a few minor things, the bill came to me in my ex-husbands name and mine. I tried to call them, write them, email them to have my ex's name removed. I was told he was primary and I couldn't remove his name, change the name on the account or close the account. If I couldn't close the account, I could not open my own account. Since he refuses to answer any of my requests to close the account or contact them to change over to my name, I was unable to do anything. 2 years after our separation and divorce he finally had his mailing address changed and the bills went to him. My number was contact so they started calling me. There was just a minor balance on my account, less than $100. In this same month I had ran a credit check and found out the past year of timely payments meant to increase my credit rating was not listed, I contacted them and was told it was because he was primary, it went on his credit history. I was pissed, I not only had not received any credit rating on this account I was paying on, I helped him out! Then no one was able to take his name off the bill so it would come to me, so every bill and notice went to his home and he didn't respond to them, send them back to me or make any attempt to finish this matter.
I have stopped paying on the bill - since my credit rating is not improved, but his is, I can't get a bill sent to me, can't close the account, can't get one on my own, EVERY letter I sent to them - on my letterhead with my name and address was answered by a Dear MR XXXXX, I don't exist to JcPenney. I gave them his attorney' s name and address, told them to contact him and was told they could not discuss matters with someone not on the card without the primary (my ex!) giving them permission.
The sad thing is I am the one who opened the account in my name years ago, he was secondary, so I could develop my own line of credit. When it came in his name I was told by customer service this is the way they do business, it goes to the "head of the house" and being married made him head of household. Little did I know all those years ago it would come back and haunt me.