Consumer complaint received 2019-03-20
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, The XXXX VA District Courts allowed a judgment for rent ( I moved because of failure to repair and step-son was injured as result ) for XXXX XXXX XXXX, of {$4500.00} against XXXX " XXXX '', XXXX. However, my name is XXXX " XXXX '', XXXX. Per the judge in this case, the last name mistake was made by the management company and not myself and therefor he told them there could be no recourse against me. So I let it go and moved on with my life. On XX/XX/XXXX, I received a very low paycheck after working OT, I received a letter from my payroll depart stating, " We have a garnishment summons to garnish 25 % of your pay ( each week ) until XX/XX/XXXX, from XXXX XXXX XXXX. '' I have absolutely NO letter from any attorney, any credit collection company, not even this summons! I contacted XXXX Courts and was told a Lawyer name XXXX was representing XXXX XXXX XXXX and that there was nothing I could do but to be present in court on XX/XX/XXXX. I live paycheck to paycheck and as a result, I became homeless and am living in a hotel, which I also can not afford now. No one seems to be able to give me any information and what I can do. I have contacted XXXX XXXX and was told that they have my records, however they didn't hire a collection agency nor do they know anything about it. I went to court on XX/XX/XXXX believing I could dispute this and get my {$2500.00} back that had been garnished. I wasn't even granted the right to talk, much less dispute as I'm now told that this was just a hearing for " XXXX XXXX '' to receive the money garnished and nothing more. I spoke up and stated that I have tried to find out what is supposedly owed, who I speak to about payments, etc. and was told that I had to contact their ( XXXX XXXX 's ) attorney named, XXXX XXXX after the case and she handed me her business card. Which said she worked for XXXX and XXXX in XXXX, VA.The woman was then handed a check from the judge for a little over {$1900.00}, not what was garnished. 

An hour after leaving the courts, I called her office and left a voice mail to please call me in regards. I didn't hear anything back so on Friday, XX/XX/XXXX ; I sent an email to the address on her card. I stated in the email that this was NOT my last name, that I have proof of the amount garnished and its higher than that of the check handed to her ( I attached proof ), I stated that I was willing to make payment arrangements and would like to do so asap until this is resolved. I even told her I was now XXXX. On XX/XX/XXXX and XX/XX/XXXX, I again left a voicemail for her to please call me. No response! On XX/XX/XXXX I received a call from my mother in North Carolina, she tells me that she received a letter in my name but the last name was spelled different, so I asked to her open it. She then reads me this letter from a XXXX XXXX XXXX in XXXX XXXX, VA Dated XX/XX/XXXX, stating that I have a principle judgment for {$6800.00} from XXXX XXXX XXXX, no interest, no attorney fees, nothing else. Obviously I know this is way off and why is there also no credit for the amount garnished? It made no sense. My mom then scanned the letter and sent it to my email so I could print it. Why would a company send a letter addressed to an address in which I haven't lived at in 6 years? This just kept getting stranger. No other letter prior ever went anywhere and they have my employers address and my address as they put that info into the court garnishment.The letter looks fake as its looks like something just typed up and printed. No formal letterhead. The next morning I tried calling their number of the letter. I was placed on hold then hung up on, never speaking to anyone, I tried later, same thing. My fiance even tried, same results. My mother tried contacting XXXX XXXX to find out what was going on and was told I had to come by to give written permission for her to be able to speak to them. My fiance then checks the court records on XX/XX/XXXX, to print out anything in regards to this case and upon doing so sees that on XX/XX/XXXX, they once again filed a garnishment against me with a court date on XX/XX/XXXX. I'm now exhausted and frustrated. I immediately send another email to the attorney ( with proof again ) and tell her I have been tried to contact her to no avail. She again ignores me and I sent an email via their website in hopes that someone would respond. I then received an email from XXXX XXXX XXXX stating, " You will need to contact XXXX XXXX XXXX in regards to your collection case, please do not send emails to the attorney anymore. '' This was CCed to the attorney too. 

My next day off work was Friday, XX/XX/XXXX and I went to XXXXXXXX  XXXX to speak with the manager there. My fiance accompanied me. We explained to her everything that was going on. She printed out info on my account as she stated they ( XXXX  XXXX ) still had my account and no one else. The print outs didn't even reflect any of this. She then stated that she was alarmed as her management company took over for the original management company ( XXXX XXXX ), months back and they didn't send it off. She was even more alarmed because she received no check for anything regarding my account. So she then sent an email to the attorney, her VP, and XXXX XXXX asking them what was going on, why no money was received by XXXX XXXX if this was a garnishment on their behalf as stated on court records. She said she'd get back to us Monday XX/XX/XXXX ; to date, we have no had a response.I have now been consulting with an attorney and know to send this complaint and others. But I can not live with something like this. I can not make my bills, eat or even afford to drive to any from work. What am I to do? There is obviously something very illegal going on here and it needs to stop.

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