Consumer complaint received 2021-07-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Byrider Franchising, LLC (VA)

My wages are being garnished relating to a vehicle purchased from JDByrider in XXXX. I was not legally notified prior to the garnishment beginning. I received email notification from XXXX on XX/XX/XXXX of wage withholding, and have had deductions biweekly beginning on XX/XX/XXXX. XXXX provided the creditor/attorney information relating to a XX/XX/XXXX default judgment. At no time did I receive any notices relating to this alleged debt and was not served to be able to exercise my rights and attend the judgment hearing. I immediately reached out to the creditor 's attorney and requested all related documents, including dates and addresses of all correspondence sent. I was advised to submit my request in writing along with my current address and received the documents by mail on XX/XX/XXXX. I have attached all documents received as well as all email correspondences related to the matter with my complaint. Included in the packet was the original six page vehicle purchase contract dated XX/XX/XXXX ; the top of page 4 states warranty information will be provided to you separately, but was not included with the paperwork received. ( The vehicle was covered under the dealer 's 3 year used warranty-purchased XXXX of XXXX and the engine blew in XX/XX/XXXX-inoperable vehicle retrieved by tow truck and no further communications with dealer ) XXXX XXXX included a payment ledger report from CNAC dated XX/XX/XXXX that shows all payments from the beginning of the loan through the date of the engine failure, but lists start date as XX/XX/XXXX when the contract wasn't signed until XX/XX/XXXX. The other documents provided to me were one letter from CNAC dated XX/XX/XXXX, two letters from XXXX dated XX/XX/XXXX and XX/XX/XXXX, and a copy of Abstract of Judgment from XXXX XXXX General District Court showing a judgment date of XX/XX/XXXX and signed XX/XX/XXXX ; and all of those documents show an incorrect zip code for a city I have never resided in. They claim the original service date was XX/XX/XXXX for judgment entered XX/XX/XXXX. Additionally they provided a copy of a Garnishment Summons that shows an upcoming hearing date of XX/XX/XXXX, which again, was not served to me ; it shows a previous address I've not resided at in over 2 years and served under my previous married name that changed on XX/XX/XXXX. So if not for the garnishment beginning, I would have again been unaware of a court hearing related to this. Additionally, I have been with my current employer since XXXX of XXXX ; at no time was I legally given the opportunity to defend myself or resolve this issue before a decade 's worth of interest has been added making this alleged debt over {$23000.00} when garnishment began. This alleged debt has also at no time from XXXX to current, shown on any reports with the three credit bureaus. I contacted the General Manager for the dealership by email requesting the issue be dropped and received no direct response, but a notice from XXXX XXXX that their client has advised to proceed with the garnishment.