Consumer complaint received 2023-01-05
Company: The Cadle Company
State: WV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The Cadle Company of Ohio was assigned a debt owed to XXXX XXXX XXXX in magistrate court on XX/XX/XXXX in the amount of XXXX. I was co- signer on this account. My husband and I split up in XXXX, were divorced in XXXX. We did not live together or associate during this time. I didnt know anything about this debt. They served someone with a summons on XX/XX/XXXX but it doesnt say who received it. Just that it was served. I have received no communication of any sort from this Cadle company over the XXXX some years it has been owed. Nothing. I am not hard to find. I have lived and worked in the same area for all these years. NO Attempt that Im aware of has been made to contact me. 
Since the original debt the Cadle company has gone back to the magistrate court and re-filed this debt at the 10 year mark so the statute is limitations wouldnt expire but still no attempt to contact me. So, with that being said, I woke up on XX/XX/XXXX to my XXXXXXXX XXXX account being seized by this Cadle Company in the Amount of XXXXXXXX XXXX XXXXXXXX garnish/levy fee. I didnt have this money in my account so it caused an overdraft in the amount of XXXX because the bank charged it to both of my bank accounts. I have an account with my current husband and an account with my daughter where I am a co-sign because she was under age at the time the account was started. This caused all of the money I had available to be seized XXXX an incoming transactions to be seized. My paycheck, which is heavily relied on by my family to feed us and provide gas for both vehicles, while we wait on my husbands paycheck, was seized. We would have had nothing to eat if it werent for family stepping in to help. Thank XXXX for that. 
This money continued to be held by XXXX until I contacted a lawyer and they told me what to do to get the money released because it had clearly been seized illegally. XXXXXXXX XXXX did release the hold on my daughters account but they continue to have a hold on mine and my husbands account which makes me XXXX in the negative. I have incurred multiple fees because of this. 
I cant seem to get any help for this problem and was wondering if I am actually liable for any of this? So my complaint is against The Cadle Company for shady business practices and XXXX for allowing them to do this to my accounts. 
Also, XXXX was served with this summons against me on XX/XX/XXXX, they had 20 days from the time of the service to respond to the summons but did not do so until XX/XX/XXXX. There answer is clearly dated for XX/XX/XXXX, that is a full 2 months they took to respond. 
As far as I know, the Cadle company still has not received any money from XXXX on my behalf even though they have clearly been holding my funds for this purpose. 
Keep in mind I only knew about this whole debt collection after they seized my bank accounts. I just think it is a gross XXXX of business practices. Nothing was done legally and upright.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation