Consumer complaint received 2023-03-20
Company: Eagle Financial Services, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This complaint is concerning Excessive Intrest Rates, extending the loan by using intrest accumlated on intrest, credit reporting, payroll garnishment, providing a false amount due to the court and failure to noteify of court action. It was my understanding that this debt was paid in full and at 3 times the total value of the loan on XXXX XXXX, XXXX though payroll garnishment. On XXXX XXXX, XXXX the XXXX XXXX XXXX did not take out any further payments. As my check stub reflected that {$3400.00} had been paid to garnishment. And the amount ordered to be paid was {$3000.00}. 

Eagle Loan of Ohio XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Phone XXXX Attorney XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Phone XXXX. Case # XXXX. 

XXXX XXXXXXXX is legally represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX or XXXX. 

XX/XX/XXXX I was off work on short term XXXX due to having XXXX XXXX XXXXXXXX. While off work my pay was reduced and I got behind on my Eagle Loan. 

I went to Eagle loan multiple times tring to get them to take a partial payment or to move the late payment to the end of the loan so that I could stay current on my loan and in good standing with them. I had, had several loans with Eagle Loan in the past and paid them all off. 

However, Eagle loan absolutely would not work with me in anyway shape or form. They wanted that payment plus intrest. They told me I could either pay it in full or else they were going to go to small claims court with it. 

At the time due to Eagle Loans refusal to work with me, I thought a court ordered garnishment would setup a reasonable payment/garnishment amount for the under {$1000.00} that I owed Eagle Loan and that would solve my problems with getting Eagle Loan refusing to accept payment. 

XX/XX/XXXX Attorney XXXX XXXX, on behalf of Eagle Loan filed a garnishment against me with the XXXX XXXX XXXX. 

When I received the notification that they had requested a hearing, I was mistakenly relieved, thinking that the court was just going to order reasonable payments for less than {$1000.00}. I had no objection too and therefore did not attend the hearing. Huge mistake on my part. 

XX/XX/XXXX the judgment was entered with the court in favor of Eagle loan for a whopping {$3000.00} with accruing interest rate of 25 %. 

XX/XX/XXXX I was served a copy of the judgment. And was devastated to see that Eagle Loan had asked for and was awarded {$3000.00} with an additional accumulating outrageous interest rate of 25 %. On a loan that had a bal of under {$1000.00}. Three times the value of the loan. 

I say that I owe them under {$1000.00} because I can not give the exact figure that I owed them. Due to Eagle Loan did not issue monthly statements, monthly bills, nor did they have an online access where I could monitor my monthly payments and interest balance. At the time of the loan, Eagle Loan required that my payments be automatically taken from my bank account. However, there were times that I paid them early in cash by going to their local office. Due to Eagle Loan not providing any paper or digital documentation of payments and monthly balance. I am uncertain about the exact number that I owe. I just know that it was somewhere between XXXX and {$900.00} continually fluctuating to predatory interest rates. Therefore I am certain due to the amount of payments that I had already made on the loan, that I owed under {$1000.00}. And absolutely nowhere near the {$3000.00} that Eagle Loan was granted. 

The only documentation I was ever given by Eagle loan was my original loan contract. Which sadly I do not still have. 

Upon receiving the court order, I immediately called the XXXX Municipal Court and requested a hearing. I advised the courts Clerk that the exorbitant over inflated amount that Eagle Loan had presented to them was in excess of over 3 times the actual value of the loan. 

The courts Clerk stated, that since I did not show up for the hearing, I could not contest this amount and they would not schedule a hearing. And that they would be taking the {$3000.00} through payroll garnishment and did not need any consent from me to do so. 

All dates and amounts listed below I found on the XXXX Municpal Courts website on XX/XX/XXXX, by looking up my name. There is no reflected balance list anywhere on this website. 

XX/XX/XXXX order of garnishment was served upon XXXX XXXX XXXX my employer at the time. 

XX/XX/XXXX XXXX XXXX XXXX responded to Municipal Court advising that they would begin the garnishment XX/XX/XXXX I contacted the Municipal Court again and again requested a hearing. This time due to the Covid epidemic they did schedule a hearing for XX/XX/XXXX but instead of allowing me to appear due to the Covid restrictions, I had to submit an affidavit to speak for myself, since the court was not permitting in person hearings. 

XX/XX/XXXX of XXXX, XXXX Municipal Court received according to their own online records {$340.00} for which the court assigned a receipt number of XXXX. 

XX/XX/XXXX the magistrate at the XXXX Municipal Court ordered that my garnishment be stayed until the end of the pandemic which they estimated to be XX/XX/XXXX of XXXX. And that all monies the court had already received out of my check, be returned to me. 

XX/XX/XXXX the magistrates decision was filed an excepted by the court XX/XX/XXXX a copy of the stay of garnishment was mailed to the XXXX XXXX XXXX, my employer, myself, and attorney XXXX. 

XX/XX/XXXX XXXX Municipal Court received another payment from my employer as the payment was issued prior to my employer, acknowledging receipt of the stay of garnishment. By the XXXX Municipal Court 's online record they received {$370.00} on this date and issued a receipt # XXXX XX/XX/XXXX the XXXX Municipal Court returned to me the two payments that they had received. One for {$340.00} and the second for {$340.00} to equal {$720.00}. 

XX/XX/XXXX the XXXX XXXX XXXX  automatically without a new order of the court, started deducting from my payroll check again. 

XX/XX/XXXX the XXXX Municipal Court received a sum of {$430.00} and assigned it receipt number XXXX. 

XX/XX/XXXX of XXXX the XXXX Municipal Court received the sum of {$410.00} and assigned it the receipt number of XXXX. 

XX/XX/XXXX of XXXX attorney, XXXX filed a motion with the court to restart my payroll deductions that had already been restarted and the court had already received two payments since XX/XX/XXXX. Thereby causing unnecessary court costs. 

XX/XX/XXXX the magistrate ruled on attorney XXXX motion to lift the stay of my garnishment and to begin taking out payroll deductions. Which had already begun to be taken since XX/XX/XXXX of XXXX. 

XX/XX/XXXX that XXXX Municipal Court received a third payment in the sum of {$450.00} and a signed receipt number XXXX XX/XX/XXXX that XXXX Municipal Court received the fourth payment in the sum of {$440.00} and assigned a receipt number of XXXX XX/XX/XXXX XXXX Municipal Court issued check number XXXX to attorney XXXX XXXX. The payment sums included in this check totaled {$1700.00} as listed on the XXXX Municipal Court website. 

XX/XX/XXXX XXXX Municipal Court received the sum of {$450.00} and assigned a receipt number of XXXX XX/XX/XXXX of XXXX that XXXX Municipal Court received a sum of {$500.00} and assigned a receipt number of XXXX. 

XX/XX/XXXX XXXX Municipal Court issued a second check to attorney XXXX check number XXXX to include sums equaling {$940.00}. When added to the XX/XX/XXXX payment attorney XXXX received of {$1700.00}. Brought XXXX XXXX is total Ive received monies to {$2600.00}. 

Upon adding together, all of the total sums that the XXXX Municipal Court list on their website as payments received to include receipt numbers for those payments, the XXXX Municipal Court received a grand total of {$2700.00} between XX/XX/XXXX XXXX XXXX. To which they distributed to XXXX XXXX, {$2600.00}. leaving a {$37.00} unlisted destinations. 

According to XXXX XXXX XXXX pay stub for XXXX XXXX dated XX/XX/XXXX it shows a grand total of {$3400.00} as being withheld from XXXX XXXX pay and pay to the order of the XXXX municipal courthouse to be distributed to attorney XXXX. 

The withholdings of XXXX XXXX class XX/XX/XXXX paycheck show that on this day no further deductions were being withheld from XXXX XXXX pay. The total year today sum of {$3400.00} exceeded the court ordered amount to be paid of {$3000.00}. 

It was XXXX XXXX believe that as of that date her debt to include all intrest, fines, fees, and penalties due to the XXXX Municipal Court and or attorney. XXXX XXXX on behalf of Eagle Loan was satisfied, and that this debt was no more with a XXXX amount due. 

After this day, XXXX XXXX made several separate attempts over the next two years to have Eagle loan status on her credit report updated to Paid in Full and/or removed from her credit reports. XXXX XXXX did provide to all three credit reporting agencies copies of the paystub, showing they mailed that withheld, as well as the copy of the total amount to be withheld. All three credit reporting agencies did contact Eagle loanXXXX. XXXX on several separate occasions between the dates of XX/XX/XXXX through XX/XX/XXXX. With XXXXXXXX XXXX request to have the information updated to Paid in Full and/or removed from her credit report or. While each time Eagle loan/attorney, XXXX responded to the credit bureau , that they did not want the debt removed from the report, they never updated it with any amount due. None of the 3 major Credit Reporting agencies ever reflected the alleged remaining balance due of {$390.00}. 
The difference between the {$3000.00} ( 3 x 's the value of the original loan ) that was awarded to them by the court and the {$2600.00} that the court lists that they actually distributed to them. 

At one point during this two-year period, XXXX XXXX even filed a complaint with the XXXX XXXX XXXX  about Eagle loans account still showing on her credit reports. The XXXX XXXX XXXX  whom also contacted Eagle Loan but never advised XXXX XXXX of any Balance. 

At no time between XX/XX/XXXX and XX/XX/XXXX did Eagle loan, XXXX XXXX or the XXXX Municipal Court make any attempt to contact XXXX XXXXXXXX about this amount. Nor did they attempt to collect it through any payroll deductions. Eagle LoanXXXX XXXX did have XXXX XXXXXXXX XXXX  contact information as it is listed on the credit report disputes that XXXX XXXXXXXX repeatedly kept Initiating. Thereby, proving that XXXX XXXX had NO knowledge of any remaining balance. 

Quiet unethically Attorney XXXX Sat on the {$390.00} bal allowing the 25 % interest rate to grow over the more than 2 yrs time frame. 

XX/XX/XXXX with rent due on this pay date XXXX XXXXXXXX checked here banking app for her employer paid direct deposit, only to find the deposit was short {$330.00}. 

XXXX XXXX contacted her employer who informed her that the missing {$330.00} was sent to the XXXX Municipal Court for a {$3000.00} garnishment that was due to Eagle loan. XXXX XXXX explained that this debt had been satisfied back in XX/XX/XXXX and that she did not owe Eagle Loan any monies. 

XXXX XXXXXXXX then went on the XXXX Municipal Court website to research the matter, and when she looked up the old case she found. The above dates and sums along with the below information. 

XX/XX/XXXX attorney XXXX filed for a garnishment against XXXX XXXX through the XXXX Municipal Court. XXXX XXXX was never notified of this filing by the court nor by attorney XXXX, nor by her employer over this court date, filing, order or ect. 

XX/XX/XXXX the order of garnishment was sent to XXXX XXXX 's employer XXXX in XXXX, Ohio. 

XX/XX/XXXX the order of garnishment was delivered to XXXX and XXXX Ohio. 

Only after speaking to her employer on XX/XX/XXXX did XXXX XXXX find out about the court order and was then and only then sent a copy from her employer of the documentation that they had received from the XXXX Municipal Court.

XX/XX/XXXX after much research on the XXXX Municipal Court website finding the listing of the payments that the court received and distributed as well as the receipt numbers that went along with them and after doing her own calculations of what was received and distributed did XXXX XXXX find that the XXXX Municipal Court had only distributed to attorney XXXX {$2600.00} and not the total withholdings from her paycheck of {$3400.00}. 

After speaking with a clerk at the XXXX Municipal CourXXXX, XXXX XXXX was advised that the new court order was for XXXX XXXX to pay {$1900.00} in interest on the {$390.00} bal. Plus the court ordered an additional 25 % interest rate to be added to and continue to accumulate on top of the {$1900.00}. The clerk also advised XXXX XXXX that on top of this she would owe Court costs, Attorney fees, fines & penalties that would also be deducted from her paycheck. At the sum of 25 % of her total pay to be taken out of each paycheck until the debt and all associated fees, fines, penalties and etc., along with the continuing 25 % interest rate that continues to raise the balance due on a daily basis. 

As of todays date, XX/XX/XXXX XXXX XXXX has already paid to the order of Eagle loan company/XXXX XXXXXXXX three times the amount of the original debt. With this new court, filing the current balance that they are demanding, not accounting for the continuing accruing, 25 % interest is two times the original amount of the debt. As it currently stands, if this new order is allowed to stand, XXXX XXXX will be paying well over {$6000.00} in total or more for a loan debt that was originally under {$1000.00}. 

XXXX XXXX while having full ability to contact XXXX XXXX or any of her employers over the past two years. Instead, let this amount grow into yet another payday for himself and Eagle Loan out of what shouldve been an already satisfied debt. 

This behavior is blatant, obvious predatory, lending and reasonably, should be considered unethical, and at the very least borderline illegal as this would be an est 600 % interest on the original debt and continuing to climb. 

As of todays date, the XXXX Municipal Court is currently in possession of {$330.00} recieved from garnishment of XXXX XXXX pay on XX/XX/XXXX, to be distributed to XXXX XXXX. If the remainder owed of the {$3000.00} was {$390.00} that would leave a {$57.00} owed on the original court order. Without intervention from an oversee authority the next garnishment payment will be taken from XXXX XXXX 's pay roll on XX/XX/XXXX at the sum of 25 % of her total pay. 

This Garnishment has caused an immediate hardship and emergency situation for XXXX XXXX whom is the head of household and her income from XXXX is her Only financial support. XXXX XXXX does not receive any form of financial assistance and goes without any medical coverage due to the high premiums. XXXX XXXX lives paycheck to paycheck barely able to make ends meet with her full pay check. 

Due to this Garnishment XXXX XXXX was unable to make her rent payment and is only weeks from losing her home. If this garnishment continues to stand XXXX XXXXXXXX will undoubtedly be rendered homeless. XXXX XXXX has no family or friends that she can live with or gain any financial assistance during this excessive garnishment. 

XXXX : XXXX XXXXXXXX respectfully requests that the order of garnishment be immediately abolished and that No further deductions be made from her payroll. Furthermore, XXXX XXXX respectfully requests that any additional funds that are received by XXXX Municipal Court, XXXX XXXX or Eagle Loan that exceed the {$390.00} alledged remaining XXXX be immadatly returned to XXXX XXXX. In addition XXXX XXXX requests that the XXXX Munipal Court, Attorney XXXX XXXX update their records to indecate this debt as fully satisfied and paid in full. Attorney XXXXEagle Loan should immediately provide to all three major credit reporting agencies along with XXXX XXXX and her representative Attorney XXXX XXXX written/digital documentation of the satisfaction of this debt. 


Any help with this matter is greatly appreciated. 

Please be advised I am represented by Attorney XXXX XXXX XXXX and you may feel free to speak with him. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation