Consumer complaint received 2016-10-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Clark County Collection Service (NV)

Originally I took a loan with XXXX. Due to medical issues with my son I was unable to continue paying the loan. I went to a payday loan consolidation company who helped me payoff my other payday loans but XXXX refused to participate. They eventually charged off my account and turned it over to Clark County Collections. I never received call or any kind of correspondence from CCCS until XX/XX/2016 when I received in the mail a copy of an application for judgement for default from their attorney. My wife and I called numerous times and spoke to them and their attorney to try and find a way we could pay this back without garnishment and on terms that we can afford. We also were requesting that they remove some of their fees, mainly the fee for servicing of the complaint since we were never served any complaint. They claim that it was served at my residence on XX/XX/2016 at XXXX p.m. by a XXXX male named XXXX who claimed to be my XXXX. My wife, myself and my mother-in-law are all home at this time of day. Were home on this particular day and were never served anything. Nor do I have a cousin named XXXX at my address who would have signed for the papers. CCCS was not willing to do a settlement and a payment plan. They wanted us to pay the full amount which is the original loan amount {$590.00} + interest {$150.00} + {$84.00} filing fees + {$45.00} XXXX of Process fee + {$15.00} admin + {$350.00} attorney fees for a total of {$1200.00}. We offered to go on a payment plan and pay {$100.00} every XXXX weeks but requested they remove some fees. They replied stating they had to check with their client XXXX. I called XXXX and they told me that the account is no longer with them and we had to talk to CCCS. After weeks of back and forth we were told that they could settle for {$1000.00} and we had to pay it in XXXX lump some payment or we can go on a payment plan with an initial payment + {$250.00} per month but we would have to pay the full amount. We pleaded with them regarding the fees since there was no collection process prior to the judgement and we definitely were not served any papers and should n't have to pay the fees for a service that never was provided. They insisted that their XXXX party served the papers to a guy name XXXX at our house on the date stated above which DID NOT HAPPEN. Furthermore, when we received the application for judgement by default via XXXX, it stated there was exhibits and attachments but none were provided. My wife advised CCCS and their attorney that she would contacting the FTC to find out our rights because they are not following proper collection procedures and would not work out fair payment plan and settlement that we could afford and requested that they send us all of the papers on the file so we would have them to file the complaint. Soon after receiving the docs which they stated we had to request in writing and they would mail to us, they already started garnishing my wages for {$250.00} per week. I feel like not only are they not cooperative and did not follow proper procedures, but they drug everything out long enough so that we did n't have any time to take action prior to them starting the garnishment. Coincidentally, my wife pulled her credit report several weeks prior to receiving the application for judgement by default in the mail, noticed that they had the collection for this account on credit and disputed it. But, when my wife called to speak to them about the account they told her that they could not speak to her without authorization from me as she is not on the account, even though they reported it on her credit. I would like some kind of resolution as they fraudulently went about getting this judgement, charged fees for services not provided and refused to work with me on repaying the debt.