Consumer complaint received 2025-04-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CREDICO. INC
State: SD

Complaint narrative:
On XX/XX/year> I noticed we did not have any money in our accounts. They had garnished XXXX out of my husband and I 's account and {$370.00} out of our daughters account and XXXX out of our son 's account. My husband XXXX called them around XXXX on XXXXXXXX XXXX and spoke with a representative who told them that they had the right to garnish the account. My husband told them they did not have the right to do it without giving us notice. 
The representative told my husband that I ( XXXX XXXX ) had been served and that he needed to sign the consent to release form or they will charge us more money if we had to go back to court to get a court order. My husband said he would go to court if needed because the funds were taken illegally. then my husband realized that they had taken our kids ' money as well. He called back in and told them they had no right to take our kids ' money because they had nothing to do with the medical debt that the money was owed for. 
All of the debt is for medical. I ( XXXX XXXX called at XXXX and was sent to voicemail. I called again and spoke with XXXX XXXX. She said I was irresponsible and should've paid the debt and this wouldn't be a problem. I asked her for the documents to prove that we had been properly notified and that we were given a chance to object or claim exemptions before funds were seized. She said she did not have to give those to me. I told her she did and that there weren't any documents because we were never notified. I spoke with her supervisor to see if we had any options and her supervisor XXXX XXXX. I explained our situation that our daughter had recently had XXXX XXXX XXXXs I had to quit a job in order to care for her 24 hours a day. I asked her if there was anything they were willing to do since we were not properly notified. She said there was nothing they were willing to do and that I should've paid it. I explained that I was on a payment plan with them and one payment didn't go through. She said that gave them enough grounds to pursue it. I asked that because I missed one payment they can garnish everything we have including my kids ' accounts and she said yes. I asked her to provide the documentation that we were properly served or notified of the garnishment and she said the papers are being sent out tomorrow. 
I told her she can not garnish my account prior to sending out the documents. She got upset and asked if I was recording her. I told her no then she started yelling that I can't record her. 
I told her I wasn't recording her but all of their calls should be recorded on their end because that what they tell you when you call in. I again asked for documentation that we were notified she wouldn't acknowledge that. I asked her to confirm that we were not properly notified by credit collections or by the bank and she wouldn't give me an answer. I called XXXX XXXX on XXXX at XXXX and spoke with the legal team who was able to provide me with the documents that credit collections provided them to use to garnish our account. I have never see Them before this. There is a notice of levy that was never provided to us it is dated XX/XX/year>, a garnishee affidavit that also was not given to us dated XX/XX/year> and a garnishee summons that is also dated XXXX. We were not provided any of these documents prior to our accounts being garnished. Credit Collections Bureau did not properly serve, they lied to both me and my husband to try to coerce us to sign a release of funds, they denied us our right for due process and we were not given a fair opportunity to dispute the debt or challenge the garnishment before funds were taken. The actions of credit collections Bureau and their attorney XXXX XXXX constitute misrepresenation and improper enforcement of a judgement warranting relief under XXXX XXXX. XXXX XXXX also did not provide notice to us. We still have not received the documents from credit collections bureau for this garnishment

Company response to consumer: Closed with explanation