Product: Debt collection

To whom it may concern, My name is XXXX XXXX. I had very hard issue with IQ DATA INC A collection agency. I am helpless and stress out. I hope that you can help me to solve this issue. 

They called me the first time on XX/XX/18 and saying they collect the balance owed {$1200.00} including interest charge for XXXX XXXX. I was on the lease helping my daughter to lease a 1 year apartment. There are three names on the lease, my daughter XXXX XXXX, my son in law XXXX XXXX and my name XXXX XXXX. 

The agency told me I have to pay immediately through the phone, I told them first this is a dispute charge, second I need to contact my original creditor then I will talk to you. 

My daughter lived at XXXX XXXX in XXXX for 1 year lease base on {$2300.00} monthly rent. the lease expired on XX/XX/18, on XX/XX/18 the apartment manager send me a notice for renewal my lease or 30 days notice saying either renewal lease or charge her month to month {$4000.00}. My daughter move out on XX/XX/18. She has {$490.00} credit in her ledger plus security deposit XXXX which we think it is enough to cover the prorated rent. After they move out, the apartment send me a move out statement with balance {$1200.00}. 

I called the XXXX XXXX many times tried to dispute the month to month charge which is 70 % increase compare with my old lease or schedule an arrangement to settle the payment. I left over 15 times voice mail and also email them but no body contact me. They even didnt inform me that if we didnt pay they are going to send to collection agency. 

IQ DATA called me the second time, very aggressive, rude, demanding request me to pay through phone right away that day. Threaten me they will mark as refuse to pay and send to Credit Company. I told them I never say I dont want to pay. First I have to know you are not a scam and I need the collection notice in paper. Second I need to make sure you are legally collect the money. The conversation is so abused, rude and scary. I called XXXX XXXX they said the balance due goes to collection agency and they are not going to accept any payment on their end. 

So I called IQ DATA 4 TIMES once I receive the letter which saying they collect the amount of {$1200.00}, Also stated that I can pay online through their portal. I tried to plan a payment arrangement or will pay in full within 10 days, they said no. you have to pay today through phone which I am not comfortable tell anybody my bank account information. I told them I will mail them a check or money order within 10 days, they said then the interest will accumulated every day. That means there is no ending for this. I asked them should I pay online through their portal ( which on the letter clearly said. Please pay online use their portal. www.iq data-inc. com. The agency said you can not, your account is closed. What a scam they are talking about. They only notice me since XX/XX/18. Then She said. Give me your bank account information now I said not today over the phone. Then she said what is your routing number I said. You dont accept my payment online which I only received their letter 4 days. You dont accept checks as the interest will accrued. You only accept phone payment which I dont feel safe to do. 

She said if you dont pay today, I will send your report to credit company. Then the phone hang out. 

I am so upset about each time conversation, they abused you, very rude, very aggressive, and demanding. They request you to pay immediately every time you call. They have very bad review online with lots of complains. 

I feel helpless. I tried to solve the problem that is why I called them after I received the letter in mail. but they dont accept my payment, what I can do now. Should I pay them first then dispute or just give them my bank account information through the phone. There are so many scam nowadays and they sound like a scam. The way they talk not professional at all. I never heard a collection agency dont accept check payment or online payment. 

Please help me to solve this issue or tell me what is the best way to clear this off even I borrow money from somewhere else to just let it off my back. It is painful and stressful and horrified.they threat me will damage my credit score if I don't pay over the phone when you were on the phone each single time.i told them many times I was trying to pay off but they sound very ridiculous refuse to accept check or money order even online payment. 

I attached all the documents that I have in the email. Please take some time to review and I am looking forward for your speak with you soon. 



Best regards, XXXX XXXX.