Consumer complaint received 2020-06-14
Company: CREDIGY USA CORP.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am so very upset over this matter. We were never notified about being sued, and they were able to get a judgement against us back in XXXX. Again, no notices were sent, no communication at all, except one weird looking judgement acknowledgement paper in XXXX with stuff crossed off, looked like scam mail, then one day in XXXX when my child was coming home from school, I saw on our XXXX XXXX, that once my child entered the house, a man walked up behind him and posted some papers on our front door. I questioned the man from the speaker and he just said call your bank. 
I was at work and terrified as my young child entered our home with some man watching ... still gives me the chills. 

This notice was a notice to force the sale of our home, which we have been in since XXXX, for a debt. I contacted the debt company XXXX XXXX XXXX, and spoke to XXXX from the XXXX XXXX. I asked many times what this debt was for as the information is not there. I see Main Street Acquisition Corp, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  listed, and have absolutely NO CLUE who this is for, plus, they have my maiden name, and my husband as the main person ... We have tried to figure it out and since they had a pending sale on our home, we had no other option but to get into an agreement with these people in XXXX so they would not force the sale of our home ... 
I did not know what the debt was for, tried to ask for a lower rate and all they could come up with was {$110.00} a month for 5 years ( an amount that was difficult to do, but I was told I had no choice if I wanted to keep my home ). The original agreement was they would charge me on the XX/XX/XXXX of every month, they would run my debit card. The XX/XX/XXXX was difficult for me and at some point early on, we changed it to the XX/XX/XXXX of every month. XXXX would charge me on random days, sometimes before the XX/XX/XXXX, sometimes after, sometimes skipped a month, then double charged, even sent me the receipt of another client with their personal address, name and amount they were charged ... 

I regularly communicated with XXXX, when I needed a extra couple days or when I was laid off in XX/XX/XXXX and had no unemployment coming in yet ... He kindly offered to extend my payments a couple months, until my unemployment kicked in.. Last year in XX/XX/XXXX, I wrote to XXXX to ask him to please charge me as agreed on the XXXX as he is causing me to overdraw, and that month leaving me with {$32.00} in the bank for a week ... He apologized and claimed he had " chaos '' going on along with a recent XXXX, but would charge regularly. I had been paying now for 2 years, {$110.00} a month at this point. Then, all of a sudden, the charges stopped, I received a tax write off for a credit card company and assumed that was for this debt as they never told me what it was for. 

On XX/XX/XXXX, I checked the XXXX County Court website and noticed a writ made in XX/XX/XXXX, and that day I also received a letter from the XXXX County Sheriff 's department that a levy was being placed on my bank account for this debt, with additional fines added making it more than the original amount, on which I had already paid 2 years on!!!! I emailed XXXX immediately, I also forwarded our last communication from XX/XX/XXXX where I asked him to charge me on the agreed day each month ( XX/XX/XXXX ). In two days I sent him 4 emails, called many times, left several voice messages to where he never responded. I was able to talk to a co-worker twice, she could not even figure out what happened and saw he noted that he spoke to my husband regarding them not wanting to use their credit processor anymore. This is soooooo false, as my husband, in the 20 plus years of being married has NEVER dealt with a bill, let alone talked to a creditor. He never answers the phone, even when I call, and hes going to talk to a collection agency and agree to something??? Nope, never!! XXXX basically didn't want to pay the credit card processing fees anymore, and lied saying he talked to my husband about it ... 

How could he go and file to levy my bank account when in 2 years, we were in regular contact, shouldn't he try and reach out to me, set up a new payment plan? And if he supposedly did reach out, wouldn't you send a confirmation of the new agreement? Or a certified letter or a XXXX phone call?? NOTHING!! He bought this " supposed '' debt for pennies on the dollar, won't even tell me what the debt is, lied saying he talked to my husband, also lied about serving papers probably, so they would win in default. These actions creditors take are wrong. They place the consumer in a dire situation, such as trying to force the sale of my home for an unknown debt ... then get a payment arrangement and what, feel that money is not enough and levy my account for more than before?? Plus, it's NOT my job to remind him to charge me ... he's the one who said he had to run the charges himself. I am beyond stressed, upset, and this man won't even call or email me back, all week!! 

I kept my part of the deal, I communicated when I need additional time, he decided to stop charging, then levy with no notice whatsoever, then ignores all calls and messages. 

I am still out of work, I tried some odd jobs since XX/XX/XXXX, collected some unemployment then, which XXXX happily used towards this debt. Now with everything going on, Covid-19, riots, no work, being stuck at home, he is levying my bank and not answering my calls or messages. The consumer needs protection from these collection methods, falsifying a communication, charging randomly to cause me to overdraw, then this final attack, all the while never telling me where the debt originated, the original amount and the original contact information ... please help me, I can not let my health and well-being deteriorate over an incompetent collection agency on a debt I don't even know is mine. 

Attaching email communications for your review. 
Also, Judgement docs we received sometime in XX/XX/XXXX/XX/XX/XXXX ... when judgement was in XXXX???!!! Please note, errors where notary signed and signatures looking similar, and not stating who the original creditor is ...

Company response to consumer: Closed with explanation