Consumer complaint received 2022-03-14
Company: T.S. Holdings
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2022 - notification through XXXX ; no notification received from credit agency ( IQ Data International ) ; called IQ Data, indicated the amount due to original debtor was in dispute and should not have been sent to collections. I notified that I wanted to dispute the account ; representative ( female ) told me that I couldn't dispute without proof. I asked what proof would be sufficient. Representative was rude, would not provide information on how to dispute and actually hung up on me. That same date, I contacted the original debtor again to correct the amount owed. She indicated she would need to go through the accounts, there was a transition between accounting systems and it's possible the amount was incorrect. 

XX/XX/2022 - received confirmation from the original debtor that the amount was indeed correct, she was revising both accounts sitting with IQ Data International ; One account was reported as {$500.00} with XXXX XXXX ( this was paid in accordance with IQ Data 's Credit Deletion Process ). However, the second account was originally listed at {$270.00} for XXXX. XXXX representative ( XXXX XXXX ) indicated that she was sending an adjustment for a credit of {$160.00} ; revised statement listed total due for both accounts as {$610.00}, adjusted down from {$770.00}. XXXX XXXX ( XXXX ) emailed me a copy of the adjusted statement and stated it may take a few weeks. I also initiated the formal dispute process with IQ Data International to ensure the revised amount was processed timely. I received the Dispute instructions from IQ Data International via phone, since had not received that information from IQ Data International and mailed a formal dispute. 

XX/XX/2022 - called to check the status of the account with IQ Data International. The amount owed to XXXX ( {$270.00} ) was adjusted to {$610.00} in addition to the {$500.00} owed to XXXX XXXX, rather than the {$160.00} credit being applied as indicated in the documentation from XXXX. Since IQ Data was holding two accounts, I agreed to pay the account not in dispute in exchange for credit deletion. When I inquired about the second account, IQ Data informed me that if I did not authorize payment for the full amount in their system, including the amount that was in error AND the amount in dispute, that I would not be eligible for credit deletion once the amount owed was resolved with the original debtor, and it would have negative impact on my credit report. The assured me that once the account was resolved they would refund the disputed amount. Additionally, I asked for a status update on my dispute that was submitted, showing as received by IQ Data International in their system on XX/XX/2022. They indicated that it was noted in the system, but there was no investigation on their end and they wouldn't do anything with it unless I could prove that the amount was wrong. I indicated that I had provided that information with my dispute and they indicated it didn't matter, they were relying solely on the information provided by the debtor. I called Fountainhead apartments back ; I visited with XXXX XXXX who called IQ Data directly to confirm that the amount owed should only be {$110.00}. XXXX spoke with XXXX ( IQ Data ) who confirmed that it would take 24-48 hours to process in the system. As indicated in my earlier call with IQ Data, I called back to make payment in the amount of {$110.00} ( undisputed amount ) and then authorize payment for the interest amount once the account was revised. IQ Data told me I could do this in exchange for credit deletion. However, in trying to do that, I've been hung up on twice, and have been on hold for 45 minutes. They are intentionally avoiding my call and will not take the revised payment amount from me, despite their recorded offering to do so.

Company response to consumer: Closed with explanation