Hi. I am writing this report so that I may share my experience with the world. I had started out with a $300 credit limit given to me by Capital One. Upon loosing my job and having $0 in monthly income my account was transferred to Frederick J. Hanna & Associates, P.C. for collection. Without any communication from the firm I received a subpoena to show up for a court date where Capital One was suing for $300 plus fees and interest. The amount of the suit was $1742.52. Kind of ridiculous considering this was a $300 credit limit to begin with. However, we negotiated the amount owed down to $1000 even that was to be paid in 10 installments of $100 each. After making the first couple of payments I was laid off and once again had $0 in income.
This when things took a turn for the worse. At this point the original credit limit had been paid. Upon finding out that I was laid off I placed several phone calls to the firm. Everytime I would call a female would answer the phone speaking very rudely and would immediately transfer you to a voicemail. I must have left at least 4 voicemail messages and called at least 6 times in an effort to make them aware that I had been laid off and needed to explore other options. EVERY message went unreturned. I was ignored. I did not receive a single phone call from the firm, nor did I receive a single letter from the firm. Then I randomly went to my online banking and was surprised to see that $900.03 was on hold. I had no idea why. This was 100% of my account balance and ALL the money I had to my name. I reached out to the firm to discuss options and was once again redirected to a voicemail. Finally, I reached out to Capital One. The supervisor in the account recovery department was more than helpful and expressed concern with how the situation was being handled.
At that point, the Capital One Representative attempted a three way call with the firm and was transferred three different times to voicemails. After expressing to the firm's operator that she was with Capital One Recovery and that she did not need to be transferred again and needed to speak with someone immediately regarding this issue they finally placed someone on the phone. The firm's representative insisted that I, the consumer, be removed from the conversation and then they could speak to one another. The Capital One Supervisor called me back and told me they would call me sometime today (10/23/12) to discuss options. She also stated that the firm claimed to have called me prior to placing the garnishment, but was unable to reach me and that they did not leave a message because I did not have voicemail. Of course this was a lie. I have had the same cell number for over 10 years with voicemail. Furthermore, to confirm thier lie, the Capital One Supervisor called me back and left thier contact information on my voicemail.
The firm called me back and offered no options. Instead they expressed that it was my problem and my responsibility to contact them. Of course, they would not acknowledge any responsibility on thier behalf for returning phone calls and addressing concerns for thier clients. The firm's representative basically said it was my problem and that they would not only keep the $900 they took, but would also take an additional $900, bringing the new amount to $1800.
This firm without a doubt a unethical practices. They should have returned my calls. They should have supplied me with a notice of garnishment and they should not have taken 100% of my money. They could have at least left me with enough money to pay for gas to get and forth to work and enough money to pay for food for myself and my daughter.
My advise to anyone that is having financial difficulties would be to do whatever it takes to avoid Frederick J. Hanna & Associates,P.C. They will lie, cheat and steal and do it all within a grey area of our judicial system. They won't even leave you enough money to feed yourself and your child.
My goal here is to let the world know about my experience and I sincerely hope that no one has to go through what I have.