Consumer complaint received 2020-07-18
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been a dedicated employee to the XXXX XXXX   field for 27 years. Throughout, this pandemic I have been a frontline worker who workers with XXXX  with XXXX XXXX. During this pandemic, you have become apart of the family some days when I came home you were the strength that got through many difficult times. So, I am writing to you for your guidance in a shocking situation that I was faced yesterday. 
Currently, as you are aware XXXX announced that Day Programs would be reopening and during my conference call on XX/XX/XXXX, with my co-workers I received an email from my employers ' Payroll Department stating that as a courtesy they were emailing me that there has been a garnishment placed on my paychecks that would go into effect on XX/XX/XXXX. I think you can imagine, how I felt what was going on. I immediately. found myself unable to breathe all I could do is cry at that moment and I am crying just writing this email. Due to shock, I am in that garnishment are being allowed, during this pandemic. It stunned me. I contacted my employers ' payroll department and was told to call the following number XXXX and give them the last four numbers of your social security number. I was shocked at the presentation from my agency 's payroll department given what frontline employers have been doing for the past five months, while certain departments were able to work remotely. That is another story as far as sensitivity that agency workers from other departments have for the agency 's frontline workers. So, I contacted the number that was given to me by my payroll department and I asked the receptionist what was the garnishment of a paycheck for. I have not been provided with any documents or notices. The receptionist yelled at me you were served paper, I responded not, during the pandemic and when I tried to ask questions she yelled at me and hang up the phone. I immediately broke down and cried all I could think about is how will I be able to support my household of XXXX XXXX and my husband lost his job, due to COVID19. I have no answers as my agency 's payroll  department approach was just, so unapproachable given the fact this is a pandemic that has affected everyone finically they could have assisted me given what I was being informed. I know they are doing their job, but it could have been done with empathy or guidance. I have no idea who is garnishing paycheck and I really can not afford to have money taken out of paycheck at this time. I have no one to turn to as my agency is not approachable given how I was informed. What makes it worst I then received a call from my employers ' Human Resource Department where they stated that my garnishment has caused extra work for the payroll department and given the cutbacks in the field that has to be made that this is a hardship on the agency. I was stunned at this comment, given what I have been doing for the agency and I have no idea who is garnishing my check. I woke this morning and after contacting the XXXX County Clerk I realized that the garnishment was from Midland funding on an income execution that I was in court on XX/XX/XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation