• Report: #129878

Complaint Review: Zions Bank

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  • Submitted: Wed, February 02, 2005
  • Updated: Sat, April 09, 2005

  • Reported By:Grand Prairie Texas
Zions Bank
One South Main St. Salt Lake City, Utah U.S.A.

Zions Bank Don't Understand DIVORCES!! Salt Lake City Utah

*Consumer Suggestion: Zions Bank is right in this case.

*Consumer Suggestion: Well, I guess if the title to the car is in just her name...

*Author of original report: If that's so... Does that mean that I can go retrieve the auto that she isn't paying for and sell it and pay it off?

*Consumer Comment: Doesn't Mean Dick

*Consumer Suggestion: Actually, they are right...it is you who is mistaken.

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I have contacted Zions bank as well as the credit agencies to remove the things that were granted to my ex-wife in our divorce. The credit bereaus can't remove anything without Zions approval, I guess. And of course, there is NOT A SINGLE person at Zions Bank who can understand what is going on!!

Sure, you can get people at customer service, but their normal response is "Thats not my problem, you'll have to get your ex-wife to get it refinanced." Surely they have never been divorced! Seeing as how my ex is upset and against the divorce we had, she refuses to get it refinanced in her name.

I e-mailed the president at Zions Bank from the webpage and got the same response, that my ex will have to have the auto refinanced in her name, which she refuses to do.

This account was GRANTED TO MY EX WIFE IN OUR DIVORCE DECREE!! I am NO longer LIABLE for the payments on it and want to be removed from the account contact list, and have the account removed from my credit... is that too hard to do?

I recommend that you don't do business with these people, especially since they don't understand divorces.... and are trying to overrule a judges order. No one plans to get divorced when they get married and get into contracts, but sometimes it just happens, and I think a judges ruling in the divorce decree should be final!!

Randy
Grand Prairie, Texas
U.S.A.

This report was posted on Ripoff Report on 02/02/2005 03:15 PM and is a permanent record located here: http://www.ripoffreport.com/r/Zions-Bank/Salt-Lake-City-Utah-84101/Zions-Bank-Dont-Understand-DIVORCES-Salt-Lake-City-Utah-129878. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 5Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Zions Bank is right in this case.

AUTHOR: Greg - (U.S.A.)

The judge can't and shouldn't be able to cancel your liability on that mortgage loan.

However, keep your divorce papers handy. When you go to apply for a home loan, most lenders will not count that debt against you if you can show that she was awarded the house.
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#2 Consumer Suggestion

Well, I guess if the title to the car is in just her name...

AUTHOR: Angelina - (U.S.A.)

...but you are on the loan, you probably have no recourse other than to sue her personally to recover any money YOU pay on debts that she was "awarded" in the divorce decree. But if she has no assets, it may not make sense to do that....

...bad situation, I know, but that's what happens in divorce. Many years ago I worked at a law firm that handled bankruptcies and divorce cases, and we always told people the best thing they could do for themselves was to be civil with their ex and resolve all this BEFORE the divorce, but that rarely happened. That is why so many divorces also result in both spouses filing bankruptcy.

Good luck.
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#3 Author of original report

If that's so... Does that mean that I can go retrieve the auto that she isn't paying for and sell it and pay it off?

AUTHOR: Randy - (U.S.A.)

I mean if the judges order to grant this account to her doens't mean anything, what CAN I DO?

I know she won't get it refinanced in her name, ever! And she pretty much refuses to pay it because she knows it is going on my credit.

What options do I have, aside from paying off something I don't even drive?
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#4 Consumer Comment

Doesn't Mean Dick

AUTHOR: Cory - (U.S.A.)

I'm sorry to hear about the way things are going. That being said, just because a judge wrote something down on a piece of paper doesn't make it so.

Tell that to the hundreds of thousands of kids who are going without, even with court ordered child support.

The judge may have assigned the debts over to your ex-wife but that doesn't mean she has to do anything about it. I'll bet the bank has dealt with dozens of divorces.

Why should they "deal with it"? It's your problem, not theirs. Same goes for the credit bureaus. The banks and credit bureaus deal with divorces all the time. Your post is directed at the wrong people.

It should be; my ex, my attorney, my ex's attorney and maybe the judge who heard my case. Try making your ex-wife live up to her obligations, IS THAT TOO HARD?

P.S. my sister's scumbag ex-husband sued her FIVE times after they got divorced, just to be an a..hole.

I'm sorry if I'm a little harsh, I'm a little down on the legal system. One of my sister's attorney's took her for $25,000 and didn't do dick. Good luck.
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#5 Consumer Suggestion

Actually, they are right...it is you who is mistaken.

AUTHOR: Angelina - (U.S.A.)

In a community property state such as Texas, both you and your ex-spouse remain liable for debts incurred in the marriage regardless of what a divorce decree states. The divorce court judge has no jurisdiction over the original credit agreement. Unless you provided your creditor with a copy of the divorce decree BEFORE they granted you credit (which is obviously impossible since you weren't divorced at that time), they are allowed to hold you responsible for the debt, and while you can ask them to remove your name, 99 times out of 100 it would not make sense for them to do so(and they are under no legal obligation to do so)as it is better to have two people to collect from/sue/garnish, etc. than only one. Sorry you got burned, but you will have to pay these debts or have your ex try to refinance them otherwise they could ruin your credit.

Check out: http://www.creditreporting.com/divorce.html
(The next two paragraphs are copied from there)

Advantages/Disadvantages: An application combining the financial resources of two people may present a stronger case to a creditor who is granting a loan or credit card. But because two people applied together for the credit, each is responsible for the debt. This is true even if a divorce decree assigns separate debt obligations to each spouse. Former spouses who run up bills and don't pay them can hurt their ex-partner's credit histories on jointly-held accounts.

If You Divorce
If you're considering divorce or separation, pay special attention to the status of your credit accounts. If you maintain joint accounts during this time, it's important to make regular payments so your credit record won't suffer. As long as there's an outstanding balance on a joint account, you and your spouse are responsible for it
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