Consumer complaint received 2018-01-16
Company: Credit International Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit International Corp ( CIC ) has an outstanding judgment against me and has filed 3 garnishments against employers since XXXX attempting to collect. After the last garnishment was filed, I contacted them in an effort to work out payment arrangements ( at their written request ), get a total pay-off amount and how it was calculated, and even pay off the debt in full, according to the court paperwork. When I went in their XXXX, Washington office on XXXX XXXX, with a check for the remaining balance, they refused to accept it and indicated the amount on the garnishment filed with the court was incorrect, added up wrong, and that I actually owed {$1400.00} more than what was shown. I have attached the two most recent garnishments, dated XXXX XXXX, and XXXX XXXX, XXXX, the emails I sent to them attempting to work out payment arrangements, and laying out how I calculated the remaining balance ( which was not disputed - either on the phone or in writing ), the most recent paycheck stub dated XXXX XXXX showing the total my employer paid through garnishments, the check they refused to take, a letter dated XXXX XXXX threatening to sue my employer if they did not comply with the garnishment, and the letter from them dated XXXX XXXX, where they indicate both sets of court paperwork / garnishments were calculated incorrectly. I also voluntarily made payments to the court when there was not an active garnishment filed, in an attempt to show good faith - a total of {$450.00} was paid and the receipt is also attached. When I went into their office to drop off the check, I was shuffled through three different people, none of which identified themselves, or what authority they had within the organization. The receptionist would not even talked to me, but immediately said she needed a supervisor. The female supervisor was very rude, saying I was not paying the correct amount and even after I presented her with the email of how I calculated it, refused to accept my calculation. She then went back and another gentleman came out ( whom I presume was the attorney, but honestly do not know ), and he was even more rude - and kept insisting I owed more than what the paperwork said and that the garnishment that was filed in the court was added up incorrectly and I should have been honest enough to realize it, and just paid what was really owed. I told him it was not my responsibility to pay for their mistake, or check their math and I was taking my numbers directly off the Writ and Application for Garnishment. He then adamantly refused to take the check because it said " paid in full '' or provide me with a receipt for making the payment. I drove 35 minutes just to get to their office, was there over an hour and a half, and missed half a day of work with no pay to get attempt to get this taken care of. Every time I would send an email asking a question, the primary response I would be is that they could not communicate with me through email and call them. However, every time I called, it rang several times before / if anyone bothered to answer and my voicemails were not responded to. No one would even give me a specific time when I could call, or make an appointment to discuss it in person, and I made it clear I had limited availability during office hours because of my work schedule. CIC has done not returned my good faith effort to get the situation completely resolved. They have not even filed a partial satisfaction with the court showing the amount that has been paid, so my credit continues to take a negative hit, as it shows up as an unpaid judgment. I just want them to accept the amount owed that I calculated, based on the court paperwork filed by them, and file a complete satisfaction with the court, so this gets behind me. The original judgment was filed in XXXX and I am tired of 2 years of negative effects and garnishment attempts. Everyone in their office I have dealt with has been rude, unethical, and harassing. I feel like they are doing nothing but trying to take advantage of me, my limited financial situation, and have no interest in seeing an end to the proceedings. They only care about lining their pocketbooks and trying to intimidate people into paying more than what is actually owed. I have made more than a good faith effort to pay this debt. I am not disputing the fact that I owe it, am not saying the original judgment was filed in bad faith, or that the garnishments themselves are illegal on their face. However, I am saying I should be able to concretely rely on the numbers calculated and be able to pay the remaining balance from that paperwork.

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