Consumer complaint received 2022-05-16
Company: TIDEWATER FINANCE COMPANY, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XXXX the car I had purchased through the finance company was in a car accident and the car was totaled. My insurance company paid the car off with the Tidewater Finance Company, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The finance company and XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX just garnished my wages in XX/XX/XXXX for a total amount of XXXX which was paid, now the finance company just served another garnishment on XX/XX/XXXX to my employer for a second amount XXXX. The garnishment summons expressed that all I owed them was XXXX which they have received already through an employer garnishment. I am afraid that after this is paid off they are going to keep asking me for more and more money and that this is never going to stop. Again, my insurance company informed me that the total balance of the car was paid off after the accident. They have not given me the opportunity to make any payment arrangements with them about this matter. They keep serving this paper work at an address that I have not lived at for over 16 years ago which does not give me any time to address this matter. I feel that if Tidewater Finance Company and XXXX XXXX XXXX  XXXX. has tracked my employer down, then they should have asked me for my correct address so I can address this matter in a promptly fashion. I feel that the lawyer and the finance company bypassed certain criteria 's and laws that was afforded to me as a consumer by violating my consumer rights for not allowing me to deal with this matter in a more appropriate manner according to the State of Virginia and federal consumer laws. It has caused distress for my at my job between me and my employer and can cause me to possibly lose my job due to the inconsistency that this situation continues to keep developing. This is the second time within 10 months that the lawyer and the finance company have pulled my name into court in order to retrieve funds from me for this matter that the insurance company have paid them the first time. I feel like I am being abused by the finance company, the lawyer and the court system. I feel like my consumer rights have been violated by the finance company and the lawyer. I feel like I should have been given the right to address this matter without my employer being involved. On the last court ordered garnishment, the paper said I only owed them XXXX. They have received that and now they are asking for more money. I truly feel that some laws are being violated as well as my consumer rights by the lawyer and the company. I also feel like they are asking for excessive funds they are not entitled to by manipulating the court system to garnish funds. At this point they are asking the courts to garnish XXXX of my salary that is causing distress in my household. All I ask is if they could have contacted me at my correct address without involving my employer and affecting my household in such a dramatic way.

Company response to consumer: Closed with explanation