Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
Due to the negligence of XXXX I was subjected to abusive, deceptive, and unfair debt collection practices including the loss of my job on XX/XX/XXXX. Being an employee at XXXX affected my mental, physical, and emotional health. 

XXXX unlawfully garnished my employee compensation without my consent which led to a downward spiral in my life. XXXX is willfully in violation of 15 U.S. Code 1692e ( 4 ). I lost everything. My shelter and independence. I was no longer to afford my expenses to live once XXXX started the garnishment. 

I have been unable to afford shelter and now rely on the assistance of loved ones since my termination. I experienced personal injury due to the negligence of XXXX. Including loss of enjoyment of life. The injury affected my physical health, mental health, emotional health, ability to perform given activities resulting in the loss of employment. I have not been able to work since being terminated from my position at XXXX. I have experienced XXXX, extreme financial strain, no medical care or coverage, financial instability, damaged reputation, familial strain, relationship instability, and invasion of my individual privacy. I have been left completely disadvantaged. 

XXXX garnished my employee compensation for two alleged debts. The first garnishment was from XX/XX/XXXX until XX/XX/XXXX. The second garnishment was from XX/XX/XXXX until XX/XX/XXXX. 

This caused my mental health to be affected. I had to go on both short and long term disability. I have loss the ability to function and have been plagued by XXXX XXXX XXXX. I was once prescribed meds to cope but have not been able to afford the medical attention I need. I included a copy of one of the recertification forms from my doctor during the time of the garnishment. I was unable to perform every day tasks. I lost the enjoyment of life. I have not had any medical care and have not had access to counseling and therapy since my termination. 

I have requested that XXXX provide me with termination papers but have not been furnished with anything including documentary evidence. I requested that my full file be provided to me for the entire duration of my employment including W2s. I was employed with XXXX for XXXX XXXX and XXXX XXXX, from XX/XX/XXXX until I was terminated on XX/XX/XXXX. I have not been employed since my termination and still experience XXXX from my employment with XXXX. XXXX has abused and injured me. 

I also was subjected to abuse by XXXX by being subjected to deductions and withholdings of funds from my compensation. I dispute the validity of every single debt, deduction and withholding that transpired. Including medical benefits, 401 ( k ). I am the original creditor and have been violated under the Truth In Lending Act and the Fair Debt Collection Practices Act. 

My legal name has changed since my employment and I have included a copy of the court order as an attachment,

Company response to consumer: Closed with explanation