Can I sue Wells Fargo

My daughter and I received a check from Wells Fargo for a refund of payments on an auto loan that I co signed for. She wrecked the car before making a single payment and the bank sold the loan to a collection agency. The collection agency has been garnishing wages and taking money from bank accounts and now Wells Fargo has sent us a refund check and will send more when we show them we paid more to the collection agency, who is still taking money out of her checking account. The bank will not tell us what the administrative error was or even write the check in one of our names instead of both. I live in Alabama and my daughter lives in Oklahoma and the check is in our maiden and previously married name.