Consumer complaint received 2023-05-09
Company: Tsarouhis Law Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Hello, My name is XXXX XXXX and my account was garnished/levy by Tsarouhis Credit Collectors/Law Group with papers that were not signed by a judge and that they reported was on a debt of XXXX years old for which they reported I was sued in court XXXXyears ago. This is how it began, I received on XX/XX/XXXX a phone notification from my XXXX account that I was overdrawn for {$32.00}, XXXX. At the time I had {$910.00} in the bank for household bills. I contacted the bank who told me that my account had been garnished and gave me a number to call which turned out to be a debt collector. This was a surprise because I pay my bills. The person who answered the telephone was a XXXX XXXX. He would not let me inquirer to the charges he said, I owed him. XXXX stated that the debt was made in XXXX and that judgement was set against me in XXXX when I went to court. I never went to court for a collection debt. I asked, XXXX who the originator of the debt was suppose to be and he told me XXXX. I said that I did not know this creditor for which appeared to anger XXXX. He gave me a few other names and became belligerent when I attempted to better understand what he was saying. The information I told him that was given was not my debt and if it was mine then they would have contacted me sooner than XXXXyears later. XXXX started hollering at me and I hung up. I called the bank again the next day and the bank told me that they were connecting me to the right department that handled my account. Me believing that it was a XXXX agent gave them my social security number, birthdate, and other identifying information. I discover that it was the collection agency Tsarouhis Credit Collection and Law Group. A young lady there was just as surprised with what the XXXX agent was doing. She attempted to find the originator of the debt and the court order for which she said she would mail me. I told the young lady and XXXX that my identity had been hacked years ago and that this is not my debt. Neither cared to listen. I called XXXX XXXX back and asked them to send me a copy of the court order that was used to garnish my account they sent me unsigned legal papers with an unidentifiable government seal on it. I canted a credit advocate XXXX XXXX who informed me that this behavior was unlawful. XXXX told me that the statue of limitation on such a debt had run out and that Pennsylvania was an exempt state for garnishment. I told XXXX that this was not my debt. She told me to right the Tsarouhis Credit Collection and Law group about their error. I sent two letters to them one on XX/XX/XXXX and the other on XX/XX/XXXX. I also sent a letter to XXXX in response to them garnishing my son 's account and did not here back from either. The letters stated that it was not my debt and that their actions of garnishment/levy was illegal and to return my money in 5 days or I would contact the FTC. There was no response until this morning XX/XX/XXXX when XXXX locked my son and I out of the account. XXXX 's actions were negligent in not seeing that a judge had never signed the papers that was used to cause me so much pain all of this around the one year XXXX XXXX of my nephew. My job is hectic enough without people attempting to scam money out of me can you please help me. get my money back. I have a lot on my plate. I attach the paperwork that was given to me by the Tsarouhis Credit Collection/Law Group and XXXX XXXX in which my account was garnished. Nowhere do I see a legal signature but they are allowed to misrepresent themselves. 
What would you like the business to do to resolve your complaint? 
To stop their unlawful attempt to collect a debt that is not mine for which the statue of limitation has run out on, for which they garnished my account which I was told was illegal in the state of Pennsylvania by consumer advocate XXXX XXXX and your site. To refund all charges and fees against me due to their garnishment as advised by the consumer advocate. I notified the Attorney General who reported that they could not help even though there are court orders not signed and the fact that they had my bank pay them {$430.00} instead of the {$32000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation