Consumer complaint received 2018-08-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I moved out of my apartment in late XXXX, I emailed the apartment complex asking how much I owed so I can start to make payments which they said was available to do. Anyways they said they would mail me the exact amount. I just received the amount in the mail a couple of days ago and before I could even go make a payment I got a call today on XX/XX/2018 from IQ data International collections. They asked if they were speaking too XXXX I said yes who am I speaking too? They stated I owed {$2600.00} and some change. I said ok I didn't think this was going to go to collections since I just moved out and was waiting to hear how much I owed from the apartment complex. I then proceeded to ask if I can make payments because I did not have it in full at this time. Immediately the girl got a attitude and was being very unprofessional. They said I could not make payments. So I hung up and called back, asked to speak with a manager. The manager was not available but I spoke with somebody else anyway, I tried to complain about the person I had spoken too before hand but he threw what I had to say to the side like it was no big deal. He said he could try to fill out a form that may be able to extend when my full payment was due so that it would not get reported to the credit bureaus. He asked me a lot of personal information about where I work, where my boyfriend works, how much money we make, where we live, if we have dependents, how much my credit card limits were, what kind of credit cards I had, how much money I had open on my credit cards, the name of the company we work for, etc. After everything he said he might be able to help me if I make a payment today. I said sure I can only do {$100.00} today. He then forwarded me to his. manager who was extremely rude and mean. I then at this point think he scammed me into releasing all this information for their benefits. Told me he did not want my {$100.00} that I owe {$2600.00} and to give him the full payment I tried to explain hey I don't have that right now theres no way I can make that payment today I have rent to pay and etc. I said I would have to talk to my boyfriend and work some sort of payment plan out. That was not good enough for them. It was almost like I had been dodging them for months and didn't want to pay them. When this was the first time I had ever spoke to them in my life. At the end of the call I was so tired of arguing I just told him you know what you keep demanding the payment I told you I can only do {$100.00} at this time and if you don't want that because its not good enough I'm not going to keep arguing with you when I simply do not even have XXXX in my bank account to give you. I told him do what you have to do and report me to the credit bureaus because at this point there is nothing I can do about it. Ill pay it when I have it in full since I can't do payments. I have never in my life been treated like this by any company. They were very argumentative. I was to the point where after the phone call I was in tears. All I want to do is pay them off so I never have to speak to them again. But I also wish they would have more respect for people they are talking too, so that nobody has to deal with what I did today.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation