Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I was notified this month about an order to appear for individual judgment. I was unaware of what this was about and called the court office. The clerk informed me this was regarding : Huntington Bank for the amount of {$580.00}. The clerk mentioned it might be easier to deal with the issue than getting garnished. On XX/XX/XXXX, I called the law firm of XXXX XXXX XXXX, attorney for the plaintiff. This was my second call to them since XX/XX/XXXX, when I learned about the alleged debt. I do not even have this debt on my credit history. 

On XX/XX/XXXX, I called to see what arrangements could be made. I was told on XX/XX/XXXX that they had an order to garnish my wages, so I could either go to court for the garnishment on XX/XX/XXXX or make arrangements with them. With both calls, the same woman answers, and I never know anything about this attorney, nor does she answer as an attorneys office. The amount on my court paper is {$990.00}. During the call, I was asked about my wages and what arrangements I would like to make. I was told that due to my wages, I would have XXXX XXXX/month taken out for garnishment. I offered an amount to settle on since they said nothing else could be done. That {$500.00} offered was denied. The woman said the client would not accept such a low amount. She then told me the amount of the alleged debt was {$1500.00}, which includes an 8 % annual fee since XXXX. 

I told her that is not the amount I saw before me, and she told me the courts gave me the wrong information because they never included the 8 %. I said that amount was ( explicit ) crazy! she threatened to hang up on me if I cursed again. She said to make smaller monthly payments that I feel comfortable with, and I would have the option to call them if I can't make the payment versus having a garnishment and not having this flexibility. She also said that they would go back to the judge and ask to continue with the garnishment if I did not make a payment on the agreed amount. 

I told her I could pay {$20.00} a month. I told her that due to my permanent  XXXX, this amount is doable. She accepted the offer. However, she realized I said {$20.00} and not {$200.00}. She got upset and told the client would not take that ; she started she had wasted 20 minutes of her time talking to me and hung up the phone. 

I do not feel that I am dealing with a lawyer as the name and contact information shown on my court order. It was unfair to accept my offer and then refuse it based on her mishearing. I was unaware of this even going to court. I was diagnosed in XXXX with XXXX XXXX XXXX and have been consumed with medical issues and XXXX. I recently had a XXXX  and am still dealing with health issues and XXXX. This judgment was made without my knowledge ; they have threatened to withhold {$600.00} from my wages, caused emotional XXXX, and treated me unfair and rude during communication.

Company response to consumer: Closed with explanation