Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: AK

Complaint narrative:
I am writing to formally express my extreme concern and dissatisfaction regarding an alarming action taken by your company. During a recent government shutdown, a period which posed considerable challenges for many individuals in managing their financial affairs and establishing communication, I made repeated and earnest attempts to reach out to your organization. Despite these proactive efforts on my part to engage and seek clarification, my bank account was subsequently and without any prior warning, explanation, or notification, subjected to garnishment. This drastic measure, carried out seemingly without due process or any form of communication from your end, is not only deeply troubling but also represents a severe departure from expected operational standards and customer interaction protocols. I have yet to receive any justifiable explanation for this garnishment, nor have my subsequent inquiries or attempts to elicit a response been met with success. The complete absence of transparency and the blatant disregard for proper procedure in handling such a serious financial matter are frankly unacceptable. I demand an immediate and thorough explanation for the garnishment of my bank account, detailing the specific reasons for this action and the legal framework under which it was executed without any prior notice or opportunity for me to address the matter. I also expect a clear plan of action from your company to rectify this situation promptly and ensure such an egregious oversight does not happen again. 
I am writing to address a significant concern regarding ongoing correspondence directed to an address in XXXX XXXX XXXX where I have not resided since 2021. 

Despite numerous attempts to rectify this situation over the past few years, communications from your organization continue to be sent to this outdated address. The current occupant of the property has also directly informed your organization of my non-residency. 

My efforts to contact your company directly, including attempts to utilize your website for communication or potential payment entry, have been consistently met with significant technical and operational barriers : * Specifically, I have found your website to be non-functional, preventing successful engagement with your services or communication channels. 
* Furthermore, repeated attempts to reach your representatives via telephone have been unsuccessful, with calls consistently going unanswered. 
* I was previously assigned a caseworker with whom I have only managed to speak on XXXX occasion. Additionally, I have left multiple detailed messages for XXXX XXXX at extension XXXX, which have yet to receive a response. 

This persistent lack of accessible communication channels and the continued dissemination of incorrect information are deeply concerning and hinder any productive resolution. I respectfully request that you immediately update your records to reflect my non-residency at the aforementioned address and cease all future correspondence to that location. I also request a reliable and functional method through which I can communicate with your organization to resolve any outstanding matters accurately. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation