Consumer complaint received 2022-11-03
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX apartments had an outstanding debt with me and my ex-wife ( fully divorced in XX/XX/2022 ) - I had paid an excess of XXXX dollars previously then another XXXX in cash at another point as a security deposit fee which was to cover damages. I was told I owed another XXXX dollars. I was in an inpatient facility for spousal abuse due to the abuse i withstood from my ex-wife at the time she was trashing the apartment we both stayed at. I was told, despite being co-signers on the lease, I was fully responsible for her debt. I did not have the income nor did I think somebody that had been abused and neither performed the damage should have to pay. But that is beside the point. My bank account has XXXX XXXX holds on them for both my checking accounts which is almost twice the amount owed. If I only owe XXXX then why is an excess of XXXX dollars being withheld from me every month? 

As for a court notice, I received a summons to an address I did not live at. Effectively, this rendered me unaware I was even being summoned to court. I had XXXX clue this was happening and if I did I did I would have found an attorney. Me and my partner lived in our new residence since XX/XX/2022. They sent the notice after running a skip trace to find my most recent address in XX/XX/2022. If they saw the current legal address in XXXX, why did they purposefully use the XXXX Cu________Ave as the address to notify me of a court date, when that address ( XXXX ) was never any of my legal residences and not on my tax forms. This rendered me unable to defend myself for judgement. The court clerk told me she received the XXXX XXXX from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX They knew I did not live at that address. 

In addition, when I first call real solutions on XX/XX/2022 regarding legal paperwork XXXX the court summons I told them I never received any summon and they said, XXXX there was no court date even set into place yet, not that I see on my computer. When i called today on XXXX XX/XX/2022 I was very rudely and abusively told, XXXX that isnt my freaking problem - I am not going to go back and forth with you I am going to terminate this call. You cant purposefully give a wrong address after running a skip trace and seeing XXXX XXXX XXXX as my most recent, legal address. I never lived at XXXX XXXX XXXX. That is MY GIRLFRIENDS ADDRESS. NOT MY OWN. At my apartment before XXXX, my address was XXXX XXXX XXXX XXXX, XXXX VA. I had placed forwarding procedures in place just in case this were to happen if I received mail at any of the legal residences I had lived in in XXXX, which is ONLY XXXX ADDRESS on XXXX XXXX, not XXXX 

Essentially, what real solutions did in a very round about way was exclude me from knowing a court date was set so I did not show and waved my right to trial and therefore defaulted. That is illegal. You must EFFECTIVELY make the parties aware that a trial is taking place. This never happened. Also, they had said that I have had legal representation when I never had and I never had spoken to them before. I had never had a defense attorney. I had a divorce lawyer I was working with to obtain a no-contest divorce, that is all - I had no idea of any this debt, or judgement of a debt was taking place. 

XXXX XXXX purposefully told the wrong address to that clerk because they knew at that point, if they had sent it to the right one I would have gotten legal representation, and fought against XXXXXXXX XXXX  and Results Unlimited. I am a student. My parents income is my income. I am not economically deprived in any way. They knew this and they knew my background. Sending a summons to an address I never legally resided in is NOT a legal summons approach and was purposefully done so I defaulted. I was also told at XXXX XXXX that a court date never took place during a phone call on XX/XX/2022 approximately XXXX ; I only started piecing everything together today ( XXXX XX/XX/2022 ). 


I am lucky my family has the money to help me. But imagine for those families that do not have double the amount they owe to be held from their bank account each month? I wish I could attach legal documents for all to view but I legitimately have none because they were never sent to me. 

Also, because I suffered such extensive physical and mental abuse by my ex-spouse I have trouble remembering events and names- But to the best of my knowledge and looking at my XXXX records the best I can, I do not see any previous phone calls, text messages, emails or attempts to contact me before this garnishment happened except for one piece of mail I thought had to have been a fluke because I had given the amount I owed to the apartment building. I sent a XXXX bank check as prescribed by their instructions to the address given by Results XXXX XXXX XXXX XXXX XXXXXXXX XXXX if come to find they do not do what they are suppose to do with these funds then another check will be sent. If they do not do what they are suppose to do a second time, I will go even higher. I really do not think it fair that I be paying for my abusers damages to our previous apartment to begin with. She was legally excused by the military from my residence and both of us were XXXX XXXX at the same time.

Company response to consumer: Closed with explanation