The Officer referenced in this Facebook post (dated November 1, 2016) was Mecklenburg County, NC Sheriff Deputy D. Carr. The actual conversation took place around October 25, 2016 shortly after Officer Carr informed me that the bank wire came in on Friday, October 21, 2016 around 3:30pm which was one hour after he left the office at 2:30 pm. Unfortunately, he was not able to intercept the wire to reverse it back to my bank account. Apparently, once it goes into the court account, then he can not undo the routing.
Unfortunately, I did not know that there was only a 50/50 to ZERO chance of me getting my money back.
As you can see by the prior Saturday, October 22, 2016 Facebook post, I had no doubt that Officer D. Carr was going to get my money reversed back into my account. I had not obtained any legal advice because Officer D. Carr seemed like he was on my side, and I was unfamiliar with how a bank levy works.
Plus, my bank BB and T had started refunding and depositing all fees associated with the bank levy as pictured above. So I was expecting Officer D. Carr to honor his word to me as well.
In retrospect, I do remember in August 2016, he was attempting to collect personal property, but I had filed my exemptions paperwork.
Then in September 2016, Officer D. Carr had been trying to find a car to repossess that I had turned in years ago.
After informing Officer Carr, I do not have a personal vehicle at this time. He mentions that "some judge" will not let this go. He was constantly reporting every collection attempt and every detail of my habitation.
So finally, the bank levy a.k.a. "Administrative Hold" freezes my commercial bank account on October 3, 2016. The bank teller gives me a phone number to call during my phone call into the bank to find out why there was a hold on my account based on my online banking view. The teller says that she did not know if the phone number was a bank employee phone number or not, but they should be able to explain the administrative hold.
I call the phone number, and it rings to none other than Officer D. Carr. I ask Officer Carr "why is my bank account attached to his phone number?" He seemed surprised by my question. Then Officer Carr mentions that "they" usually let him know when they issue a bank levy. I inform him that I need my account released immediately. We hang up. We talk the next day, and he is saying "they" will not release the hold. He mentions that these bank levies are "scare tactics" and usually the money never leaves the account or it is reversed back. Officer Carr recommends waiting it out. It should work out.
For more details on the twelve day bank account freeze, see:
Anyway, I file formal complaints with the Consumer Finance Protection Bureau (161010-000002) and the National Credit Union Administration (00147109) . I figured that this bank levy could not be legal. For Christ's sake, this was an unpaid credit card debt not taxes. What in the world???
I leave Officer D. Carr about 20 voicemails trying to find out about my money on October 24, 2016. (Feel free to pull all the phone records!) Finally, I get a call around October 25, 2016 from Officer Carr about him being out of the office on October 24, 2017 and missing the October 21, 2016 money wire interception as I discussed earlier.
I have a attorney consultation later that week trying to make some sense of the "trainwreck" that just wiped out my bank account. The attorney states that he could have been of assistance during the "ten day account freeze" but not after the money has been wiped out. So Officer D. Carr did me NO FAVOR.
Also, I leave Sheriff Irwin Carmichael voicemails periodically for a week. He kindly has his assistant to call me back. I explain that I am looking for a Judge's name that may have been driving this aggressive collection action.
She arranges a possibly "wiretapped" conference call with Officer D. Carr. The conference call consisted of three inbound calls from Officer D. Carr. The first one was pure silence and the call ends in silence. (possibly adjusting wiretap) The second inbound call was the discussion and my attempt to pry a judge's name out of the conversation, but the phone went dead as soon as we got to the "judge" information. The third inbound call came about 30 minutes later. Officer Carr and his supervisor were more casual in conversation, and they informed me that none of their paperwork for anyone in the vehicle had a judge's name listed. In addition, my paperwork was already sent back, and they had no information to give me. The casual conversation included me answering whether or not I had a male friend with benefits or not? Since my focus had been solely focused on obtaining a judge's name, I brushed off this "unrelated" casual conversation.
As you can see by this November 4, 2016 Facebook post, Officer D. Carr pointed me to the Plaintiff for more information regarding any names of any judges.
As of February 2017, I have now spoken with Coastal Federal Credit Union and its attorneys in depth, and both entities of Coastal Federal Credit Union seem to point me back to the fact that "the sheriff department stole your money."
On February 14, 2017, another representative from the Sheriff Department also confirmed that Officer D. Carr should have been the one initiating the bank levy. So again, all fingers keep pointing to Officer D. Carr.
I left Officer D. Carr a detailed voice message on February 14, 2017. He kindly returned my phone call on February 16, 2017. Every question that I had for him was met with the answer of "I no longer have the paperwork so I can not accurately answer that question.
Clearly, Officer D. Carr is very good at extortion which is a part of his job but giving legal advice should have been illegal and out of his scope of work in my opinion. I am seeking an attorney to help rectify my losses. My original attorney recuse himself since he and Officer Carr were very good friends. I need this situation corrected as soon as possible.
