My ex wife opened a joint account with them after she and I separated. She used it never late for a couple year. Reported it lost it stolen opened a new one charged 177/500 then didn't pay. It's reporting as a charge off with zero balance. It says opened in 2005 reported 10/2012. I sent a GW to have it removed since I was secondary on the card and didn't know about the card until I pulled my report while searching for a home. Has anyone had any luck with them, are they easy or har to deal with? I called them inquiring about the account and they said I would have to call the CB to have removed which doesn't make any sense to me. Tried to call CB but you can't get a person on the phone and this is keeping me from gettin any cards from GERB.