Consumer complaint received 2015-08-10
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I see Alliance One reporting on my credit report so I call to see what this is for. At that time I explained that I had filed this undee my chapter XXXX Bank Ruptcy due to a XXXX party making arrangements for payment. I gave my current address and phone # and ezplained that I needed to talk with my Bank Ruptcy attorney before doing anything. Instead of contacting me for payment or to make payment arrangements they proceeded to garmish me with out notification or being served even though they had MY CORRECT ADDRESS OF XXXX XXXX XXXX XXXX & phone # of XXXX XXXX XXXX for the past 8 years but swnt to an old address in XXXX instead. Then again in XXXX XXXXsame issue they requeated a garnishment without notification in which adding more fees & interest. Made pymt arrangements of XXXX to be paid if I could every week feom spouse pay check but forsure mine every 2 weeks. I made XXXX pymt XXXX and XXXX. I had called swveral time to make a pymt but they required the address of my bank whixh I did n't have so was told to call back had offered to do a debit payment for a lesser amount till i could get funds deposited and again they told me to call back when I had the full amount but instead they submit anothwr garnishment without notification no call no letter by mail requestong a payment EVER. So now more fees etc to pay. I let it go till I see that my payroll dept would continue ti pay the wrg amt subited in XX/XX/XXXX due to payments made not being ctedited to acct before subiting a XXXX garnishment. I fileed a precious complaint in which was able to have the company stopped the garnishment being the balance should have been paid in fulll if the attorney fees etc had not been addes again. If there was a balance oweing they should have contactef me be phone email or mail they had all this information BUT THEY HAVE CHOSEN TO FILE GARNISHMENT AFTER GARNISHMENT in which I FEEL IS A SHADY WAY TO ADD FEES TO PUT MONEY IN THEIR POCET. INSTEAD OF appling pymts made ro the court fine they have taken an applied it to thwir feesnand services as showen in attached info. I have been requesting since the XXXX call I made to this company a beginning balance showing payments made ro tje original creditor which is part of ALLIANCE ONE but to luck I have never received any of this information to this day just the bal they placed ony credit report. This companys collections pratice s hi puld be investigated to how they can just file garnishment after garnishment without notification. This causes the balance to continue going up and nevwr be paid off. So a remaining bal of XXXX is what they show and added MORE INTEREST FEES ATTY FEES AND XOURT COST JUST TO GWT MORE MONEY. Im currently on short term XXXX and they have garnished my check in rhe amount of XXXX. I fewl this ahould be it which is still more rhan what I owe. I KNOW I HAD FINE BUT TRULY THOUGHT WAS INCLUDED WITH MY BANK RUPTCY. IF THEY WOULD HAVE JUST CONTACTED INSTEAD OF GARNISHING ME WITHOUT NOTIFICATION I COULD HAVE TAKEN XXXX OF IT QITH A PYMT PLAN AND IT WOULD HAVE BEEN ALOT LESS THAN IT IS.

Company response to consumer: Closed with explanation