Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Eagle Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint to address an unlawful wage garnishment initiated by Eagle Finance through the XXXX XXXX XXXX XXXX in XXXX, XXXX, which is currently affecting my wages as a resident of XXXX. 

Under XXXX  law, specifically Article 16, Section 28 of the XXXX  Constitution, No current wages for personal service shall ever be subject to garnishment, except for the enforcement of court-ordered : ( 1 ) child support payments; or ( 2 ) spousal maintenance. This legal protection is reinforced by XXXX  Civil Practice and Remedies Code 63.004, which limits wage garnishment to these specific obligations. Since this garnishment does not fall within those exceptions, it is unlawful in my state of residence. 

Additionally, I believe this garnishment order represents a jurisdictional overreach, as the XXXX XXXX XXXX XXXX in Indiana does not have the authority to enforce a wage garnishment against me while I reside and work in XXXX, where my wages are protected. 

I have made multiple attempts to resolve this issue directly : I contacted the XXXX XXXX XXXX XXXX to dispute the garnishment, but I have been unable to reach anyone for resolution. 
I reached out to the law firm that filed the lawsuit on behalf of Eagle Finance and obtained the garnishment order through the XXXX XXXX XXXX XXXX. I have received no response to my inquiries. 
I also contacted the XXXX Payroll Garnishment Customer Support line, which confirmed the garnishment but was unable to stop the automatic payroll deductions. 

I was never served any paperwork regarding this lawsuit or garnishment. The only notification I received was an email from XXXX on XX/XX/XXXX, informing me of the garnishment order, with funds automatically removed from my account as of the XX/XX/XXXX payroll. I was given no opportunity to contest or dispute this garnishment before my wages were withheld. 

Supporting Documentation : Please see the attached screenshots of the XXXX communication regarding the garnishment amount and the total funds unlawfully withdrawn from my wages so far. 
Ive also attached correspondence with my employers payroll department concerning this unlawful wage garnishment. 
Additionally, Ive included copies of the letters Ive sent to each entity as listed above in my attempts to resolve this matter. 

Desired Resolution : Immediate cessation of the unlawful wage garnishment. Refund of any wages that have been improperly withheld. Assurance th
at Eagle Finance and any affiliated collection agencies comply with XXXX  and federal law regarding wage garnishment. 

I am requesting that the CFPB investigate this matter, hold Eagle Finance accountable for violating my consumer rights, and provide clear direction on how to resolve this issue without further financial harm. 

Thank you for your time and attention to this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation