Wells Fargo Card Services, combined my old & new address suddenly & I was in default! Des Moines Iowa

I moved in May of 2006 and went to the local Wells Fargo bank to change my address & was told to call Wells Fargo credit card company seperately altho they would get my change of addy thru the bank.

I got my bills & bank statements just fine until Oct. & Nov. 2006. I was out of town for a few weeks in Oct & paid all the bills that had piled up when I returned on Oct 25, 2006.

On Nov. 3, 2006 I got a call from someone who said they were from a bank & asked me to ID myself, I asked what bank he was calling from & refused to tell me so I hung up thinking it was a scam of some sort.

I got a few more calls in the coming days & finally they ID themselves as from Wells Fargo & said I was in default on my credit card & threatened to take the money {plus all sorts of late charges} from my checking account & he refused to understand that I had outstanding checks & all my bills would bounce. He was looking at my balance in my checking account.

The same day I received in the mail a bill telling me I was behind & I had to make a payment of $105 immediately. I called cc services & explained that it would be a few days since I had to borrow the money. Then I noticed that they had somehow changed my address & COMBINED my old address with my new one & that's why I didn't get any bills for 2 months & tried to explain that to this idiot but he yelled at me and I hung up.

I called back & spoke with someone else & asked them to look at my bank statements & bills & see the error was theirs but she got nasty with me too, I got no where.

I finally borrowed the money & went in person to Wells in my town & paid the $105 but got no where with them either since they don't handle the credit cards other than payments; the teller told me that the cc company got my change of addy when I changed it with the bank in May but there was nothing she could do for me.

Saturday Nov. 18, 2006 I received a default notice telling me that the entire balance of the cc is due in 10 days or else! I am on a limited income & my check gets deposited directly into Wells Fargo checking & now I am afraid they are going to grab my check & I will be on the streets & have no way to pay any bills or live. I am really worried about this since we are having bad weather up here & besides being disabled my car isn't in good enough shape to even live in.

I can't seem to get anyone to listen to me altho I have all the address problems on the envelopes & on the letters & statements.

Virginia
Lynden, Washington
U.S.A.