Consumer complaint received 2022-02-18
Company: RFNA, LP
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, I submitted my complaint to CFPB only to receive a letter stating the case was closed. I am resubmitting, because I actually want this " investigated. '' After logging in today, I see my case was closed stating I did not respond. I'm not sure where someone reached out to me by any of these means, however I only received a letter in the mail stating this case was closed. 

Here 's my contact information : Email ( XXXX ) Mobile ( XXXX ) Address : ( XXXX XXXX XXXX XXXX, La XXXX ) Original Complaint : My debt owed to this creditor total due with interest {$4400.00} and now has equated to XXXX the debt as of XXXX at an amount of {$11000.00} and continues to collect interest at a rate of 18 % until paid off, in which a garnishment has been issued. I sent this complaint to XXXX Finance via there online complaint portal after attempting to speak with legal department in which the creditor state there was nothing they could do. So as a last resort I sent this notification with no response from Republic Finance yet. I received notification from my XXXX XXXX ( XXXX  ) department that a garnishment order was received from Debt Collector, Republic Finance on XX/XX/XXXX with first garnished wage starting XX/XX/XXXX. 
This original debt totaled {$4400.00} with the total as of that date {$11000.00}. My biweekly take home pay totals {$1600.00} with a total monthly income of {$3300.00}. At the time of this debts delinquency, I was a contract worker and had XXXX, in which due to the recovery/extended recovery I was unable to fulfill the contract work in which the opportunity ended XX/XX/XXXX in which I contacted local office to inform them of the job loss. I would like to add, this was not my first loan with Republic Finance and was even extended this particular loan offering because the previous loan was paid timely. Within a couple of months I was served a judgement letter to garnish wages. At the time, I had no idea I would be out of work from XX/XX/XXXX XX/XX/XXXX, but now as of XX/XX/XXXX I was able to find work in my actual field of study. I am the XXXX XXXX of XXXX year old child, and provide all of his support, with no child support as I am continually being taken back to court by my XXXX XXXX ( and everything else to say the least ). I am currently is placed from my home as its needed of renovations and living with family members in the meantime. My XXXX literally had XXXX on XX/XX/XXXX after receiving the garnishment notification from XXXX on XX/XX/XXXX in which I was responsible for the out of pocket estimated cost of {$1200.00} and havent even received the final bills and went to my custody hearing on XXXX and still in the midst of the aftermath and the objection. I know this has no bearing on the loan, however, the debt which is now XXXX the amount owed again is completely a hardship. I am just getting back on my feet and after the first garnished wage, I was left with {$1100.00} which equates to {$2300.00}, in which {$970.00} will pay towards the garnishment, however the interested charged to make this debt XXXX times the amount owed plus the ongoing interest at XXXX XXXX  until paid doesnt seem like XXXX ever get out of this debt. Is there any alternative other than bankruptcy as I am in need of a loan to rehab my home. Unfortunately, this was not the only obligation I was unable to perform, however I have begun reaching out to creditors and settling those obligations. Is there any other option available besides the garnishment and this debt costing XXXX times as much as the balanced owed.

Company response to consumer: Closed with explanation