Consumer complaint received 2016-10-10
Company: SACOR FINANCIAL, INC
State: HI
Product: Credit card
Issue: Arbitration

Complaint:
I had a credit card when went into collection, and eventually the credit company won a case to garnish my paychecks in XXXX/XXXX/XXXX for a total judgment of {$3600.00} ( {$3300.00} plus costs {$340.00} ). In XXXX/XXXX/XXXX, 1178 days later, they finally started to garnish my wages after adding {$1100.00} to the original award amount. The company I worked for ( before XXXX ), from XXXX to XXXX my employer paid the amount the original legal representative requested, a total of {$3500.00} ( {$130.00} less than the judgment amount ).. 

In XXXX, with a new legal representative, the credit company again requested my employer pay the same garnishment for the original {$3600.00}, and post-judgment interest. I was no longer employed with this company, and they spent three years trying to garnish my new employers with no success. In XXXX, they filed for an extension to the award, which was granted. This year, XXXX, after 3 years of working with my current employer, the credit company finally started garnishment, again requesting the original award amount {$3600.00}, and now claiming post-judgement interest of {$4000.00} After receiving my current garnishment, I went back to my original employer to get the garnishment payment records from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Speaking to the original lawyer representing the credit company, they claim they no longer represented the credit company after the XXXX verdict. Yet, three years after, these legal representatives were sent payments between XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, which they also claimed they had no records of. From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, remaining payments were sent directly to the credit company. Yet, as stated above, the credit company and the new legal representative continued to claim no payments were made while pursuing garnishment from XXXX until now. Their new legal representative took over around XXXX. After sending the payment records to the new legal representative, they adjusted out the {$3500.00} in previous payments, now claiming {$3300.00} in remaining balance from post-judgment interest accrued to date ( a difference of {$730.00} in interest from their original claim minus {$3500.00} in garnishment payments made ). 

-To date, there have been no clear reasons for why no actions were taken between their award date of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, nor what happened with the original legal representative, or why payments were sent to them if they were not handling my case for three years, nor why they were sitting collecting interest for XXXX days. 
-There is also no reasoning of why they tried to garnish the original judgment award plus interest in XXXX, three years after said garnishment was paid, again allowing over XXXX days to pass. 
-There is no reason why they did not send a letter confirming the original garnishment amount was paid after XXXX/XXXX/XXXX, no satisfaction of judgment was noted by my employer. -They have added {$1100.00} in interest between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, when the garnishment payments were already completed according to the order received by my original employer, thus allowing XXXX days to elapse and accrue interest.

Company response to consumer: Closed with explanation