It has been almost a decade since Donna Mosier got divorced.
At the time, the couple discussed their joint accounts, including credit cards, and took measures to officially sever their ties.
Her ex-husband kept the couple's MasterCard and Home Depot credit card, and Mosier believed her name had been removed from those accounts. Her ex-husband died in July 2011.
Mosier received no bills, calls or correspondence about the cards — until last month.
That's when the Holiday Hills resident received a letter from a collection agency saying she owed $2,504.14 on the Home Depot card. The agency offered to settle her debt for $1,377.28.
Mosier quickly surmised that her name had never been removed from the account.
She obtained her free credit report and saw that not only had the debt been attached to her credit history, but the credit card company, Citibank, had reported her as dead.
To Mosier, it made no sense. It was her ex-husband who had died, not her. And why would the credit card company sick a collection agency on her if it thought she was dead?
She said she called the collection agency, which instructed her to call Home Depot.
"Home Depot said we have to correct it that you're not deceased anymore," Mosier said.
That part was easy. On Feb. 21, she received a letter from Citibank's Cardmember Services division, saying it had requested the consumer reporting agencies delete the deceased comment from her credit report.
But when she asked to have the debt removed from her name, she hit a brick wall.
Mosier said Home Depot sent her from its probate division to someone in "asset recovery."
"They don't care," she said. "They just want the money."
So she emailed What's Your Problem?
"My beef is, in 10 years I've never gotten a bill to my current address. Where has it been going for the past 10 years?" she said. "Obviously it was going somewhere else and someone else has been paying for it."
Mosier said that on her credit report, it is clear her ex-husband was making purchases with the card and paying down the balance each month until he died. If it wasn't for the $2,504.14 debt that she did not accrue, Mosier's credit history would be spotless, she said.
"I have spent countless hours trying to resolve my issue but to no avail," she said. "I am out of options and am frustrated with Home Depot and their disrespect of this situation I am in."
The Problem Solver called Stephen Holmes, a spokesman for Home Depot. Holmes said it was Citibank, not Home Depot, that sent Mosier to collections.
Still, he said he would work with Citibank to get her situation resolved.
On Tuesday, Mosier received calls from both Home Depot and Citibank, promising to have her name removed from the account and the debt erased from her credit history.
"I won't be responsible," Mosier said. "It will be completely off my credit."
Mosier said she was told it could take several weeks for her credit report to be updated.
While she's grateful the situation will be resolved and her credit restored, she said the episode has taught her a hard lesson.
From now on, she said, she will check her credit history yearly, using AnnualCreditReport.com.
"It's free," Mosier said. "I suppose if I had been running it for the last X amount of years, I would have seen this account on there."
Perhaps then she could have nipped it in the bud, she said.