Product: Debt collection

On or around XX/XX/2018 I spoke with XXXX XXXX at IQ Data International. Phone number is XXXX x XXXX jAll calls at IQ Data are recorded. Over the next couple of days, we worked out a payment plan for a debt I owed to an apartment complex. I owed {$2600.00} to one company and {$640.00} to another. On XX/XX/18, I agreed to pay {$100.00} on XX/XX/18 from my checking account and then agreed to pay the rest, totaling approximately {$3100.00}, on XX/XX/2018. I authorized their company to debit the amounts from my checking account. The first problem arose when they debited the {$100.00} from my account on XX/XX/2018 instead of XX/XX/2018. I called them immediately and XXXX apologized, saying she did not know why or how that happened. I gave them the benefit of the doubt that it was a mistake. However, on XX/XX/2018, IQ Data again erred and debited my account twice. Each transaction was for {$2500.00} which resulted in an overpayment on my end of approximately {$1900.00}. I immediately called XXXX at IQ Data and right away, she knew what I was calling about. She said their system incurred some sort of " glitch '' resulting in the second withdrawal. She assured me that they were taking care of it on their end and that I should call my bank to see what they could do in the meantime. My bank ended up issuing a credit after speaking with XXXX and myself, but the bank representative warned me that IQ Data would still be able to run my card again if they chose to do so. XXXX assured both of us that they would be canceling the second transaction of {$2500.00} and would then run my card for {$640.00}, which was what I still owed for the second account. Unfortunately that didn't happen. On XX/XX/2018, two transactions from IQ Data, each in the amount of {$2500.00}, were posted and debited from my checking account. This caused me to incur overdraft fees. I have attached a copy of my bank statement showing the two transactions and the overdraft fees. I immediately called my bank and filed a dispute for the second transaction but because the payment had already posted, the bank was unable to credit the money back to my account as they had done on XX/XX/18. They urged me to contact IQ Data. I called and was sent to XXXX XXXX 's voicemail, who is the Operations Manager. I left a voicemail. At XXXX am, I called back and spoke with XXXX who first tried to tell me that they did not charge me a second time, and then after me insisting that they did, she put me on hold while she talked to her manager, XXXX, and I never heard from her again. I called my bank branch and told them what XXXX had told me. They were shocked and offered to call IQ Data themselves, which they did. At XXXX am I missed a call from IQ Data and immediately called them back. They transferred me to XXXX. He was immediately combative and rude, and hung up on me. In the short time that we spoke before he hung up, he told me that this was my fault because I had disputed the second charge with my bank, and then he also said it was my bank 's error. I tried clarifying what he meant by those two statements and he interrupted me to the point where I couldn't even get the whole sentence out. He ended the call by saying he needed to do nothing to fix the situation. XXXX XXXX then called and said that they spoke with IQ Data, who said they needed my permission to speak with the bank. I immediately called IQ, this time calling XXXX ' extension so as to avoid XXXX. XXXX answered. I told him what the bank said and he said " ok fine, I have your permission to talk to your bank. '' and ended the call. My bank was never able to get ahold of anyone from IQ Data from that point on. I will continue to try and reach someone but at this point, I am out {$2500.00} until my bank finishes their dispute investigation, which takes at least 10 days.