Consumer complaint received 2020-06-02
Company: CSO Financial
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Time Line with CSO Financial INC. 
XXXX XXXX XXXX XXXX. 
Po Box XXXX XXXX Oregon XXXX XX/XX/XXXX In XXXX of XXXX, roughly the XXXX of the month I received a bill from CSO regarding a collection bill for a XXXX office that was still pending insurance. I contacted CSO stating the account was being resolved. I did not receive any further communication from CSO regarding the account. 

XX/XX/XXXX We were served with Court Documents ( case # XXXX ) at our XXXX XXXXXXXX XXXX XXXXXXXX Oregon address, and received by my husband XXXX XXXX. This is where we have lived for 6+ years, as evident by the Tax Accessors office. These were documents filed by CSO regarding a small claims case. 
The court document lists 3 options in order to resolve the complaint. Based on the amount of money we would loose in wages to take this to court it was decided that we would pay the requested due, to include court fees and service fees for a total amount of {$190.00} because it was cheaper. The plan was to then contact the doctors office and/or insurance company to be reimbursed. It was stated we had 14 days from date of service to pay the requested amount. 

XX/XX/XXXX I paid the bill via their website in the amount of {$190.00} ( which is a few dollars above the requested amount ) The payment reference # is XXXX, authorization code of XXXX On roughly XX/XX/XXXX We received a call from a female with CSO stating that we still owed CSO {$55.00} I asked her for what. She stated that according to her corporate headquarters it was determined that we still owed for an additional filling fee. I stated to her that I paid the total amount of money owed that was in the court documents. She stated yes, but we need to be paid for the service fee at an additional residence. I stated to her that we were NOT ever served at another address, and I was not provided with any bill stating we owed {$55.00} nor was I just going to give her {$55.00} that was not in the original bill or with any documentation showing it was owed. 

XX/XX/XXXX My husbands check was garnished {$26000.00} and per his payroll department another {$5.00} was expected to come out the following payday. 

XX/XX/XXXX 3 Phone calls were made to CSO, and a message was left, requested to be contacted by a supervisor. 
XX/XX/XXXX Voicemail received at XXXX from XXXX XXXX XX/XX/XXXX, XXXX, & XXXX additional calls were made to XXXX with messages left. 
XX/XX/XXXX Voicemail received at XXXX from XXXX XXXX. 
Around roughly XXXX XXXX I was able to make contact with XXXX XXXX. I stated that my husbands check had been garnished on an account that was paid in full. Mr. XXXX XXXX stated that we had been advised that we still owed his agency money via a phone call, and I had chosen to hang up on his worker. I stated that I told his worker that I had not received any bill for an additional {$55.00} and I would not pay any additional funds as there was not bill. I stated that I paid the amount requested in the court documents, that I have the confirmation of the payment as well. I then explained to Mr. XXXX that he has engaged in the theft of funds from us. Mr. XXXX responded with, it is not theft of funds. I stated to Mr. XXXX that both he and his worker have engaged in providing the courts with documents that have been falsified based on them filing to move forward with a garnishment of our wages knowing that we had paid the requested amount. That he was at fault of lying to the courts and stealing money from us. He again stated it was not stealing money. I asked Mr. XXXX how he would like to return to us the {$270.00} that they were stealing from us. He stated that they would not be returning the money. I asked him why not. He laughed and said, the judgment has already gone through and so has the garnishment, your not getting any money back I then stated Ok, how would you like to refund me the {$190.00} that I paid back? He again laughed and said youre not getting any money back, you owe us this money and you knew you still owed {$55.00} I stated that {$270.00} is well beyond the {$55.00} they stated we still owed. He laughed and said, you knew you still owed it. I again pointed out that he submitted false documents to the courts stating we had not paid, and that they stole money from us. I then stated I would pursue this matter through other options, and he responded with go ahead and try, we already have the money. 
The call was ended. 

there was no legal notice given with the attempt to move forward with any default action nor was i provided with any notification that there would be forward movement with garnishments once CSO filed to garnish our wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation