Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
Consumer Finance Protection Bureau Washington State Office RE : Formal Complaint Regarding Improper Garnishment and Statute of Limitations Violation Dear Sir/Madam, I am writing to formally lodge a complaint regarding a garnishment issued against me by Ray Klein Inc. ( also known as Professional Credit Service ) for an alleged debt amounting to {$5100.00}. The details surrounding this garnishment and the handling of the purported debt raise significant concerns that I hope your office will investigate and address. 

To provide a comprehensive account of the situation, on XX/XX/XXXX, my employer forwarded a writ of garnishment to me, which they received on XX/XX/XXXX. Upon receiving this writ, I contacted the court to obtain information on the original debt and the claimant, as such details were not included in the paperwork provided to me. 

I was informed by the court that the company, Ray Klein Inc., had filed the garnishment on XX/XX/XXXX. However, despite multiple attempts to seek clarification and detailed information about this debt, including several unanswered communications with Ray Klein Inc., I have been unable to determine the origin and validity of this debt. My requests for information from the court were similarly unproductive, leaving me in a position where I can not satisfactorily confirm the legitimacy of this garnishment. 

Moreover, I have significant concerns regarding the statute of limitations on this debt. It is my understanding that the statute of limitations for debt collection in Washington XXXX ranges from three to six years. The original debt, dated XX/XX/XXXX, should therefore be well beyond the statute limitations, yet Ray Klein Inc. is seeking a considerable sum in overdue interest ( {$2400.00} as of XX/XX/XXXX ), which further exacerbates the issue. 

Furthermore, I was not provided adequate time to respond to the garnishment. By the time I received the garnishment paperwork from my employer on XX/XX/XXXX, the timeframe required to officially contest or respond to the garnishment had elapsed. This lack of time has significantly prejudiced my ability to present my case or dispute the debt properly. 

I am in the process of filing a formal complaint with the court to address this matter, aiming to halt the garnishment until a thorough investigation can be conducted. 

Given the above concerns, I respectfully request that the Consumer Finance Protection Bureau of Washington State review this matter. It is imperative that the legitimacy of this debt and the practices of Ray Klein Inc. in this case are evaluated to ensure compliance with state laws and consumer protection standards. I would appreciate your assistance in obtaining clarity and rectifying any wrongful actions in this case. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and any assistance you can provide to resolve this situation. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation