Consumer complaint received 2018-09-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My debt was placed in collections on XX/XX/XXXX. I never received any information to resolve the debt prior to it being placed in collections. I proceeded to try and simply just dispute it, knowing that it was an invalid debt to begin with. I sent in documentation stating why I wanted the debt disputed and how it wasn't valid on XX/XX/XXXX upon receiving the original creditors evidence against me. 
Several months later, I tried to apply for a new place of residence, and was denied due to this never being dismissed, despite my trying efforts to dispute. I finally file a suit to get the debt dismissed with the initial creditor which was XXXXXXXX XXXX. In the process I ended up being XXXX and was assisted to get the debt paid to continue my search for a new home. When it was brought to my attention that the debt hadn't been paid or dismissed I reached out to the collector to see what options I might have. I will list dates of contact with the collector IQ Data, the gist of the conversation, and the issue/complaints at hand. 

XX/XX/XXXX- I contacted the creditor to see my options of settling the debt of {$370.00}. I didn't have the funds so I was simply asking questions. The rep was giving helpful information but couldn't guarantee that upon the debt being paid, that I wouldn't have an issue with it showing on my credit and/or rental history negatively in the future. I thanked her for the information and said I needed to do some more research. 

XX/XX/XXXX- The collector IQ Data reached out to me to try to collect on the debt. I explained I'd called a few days prior and was working on disputing the debt in court, she asked for attorney information. I didn't obtain a lawyer I let her know that I shouldn't have been contacted again after telling the other rep earlier in the week that I would be disputing the debt. The rep got her supervisor on the phone and he didn't want to speak to me, more so talk at me and aggressively attempt to collect on the debt by talking over me stating that he didn't care why I hadn't paid it previously, that he was tired of me giving his reps the run around and that I must like keeping my debts in collections. Telling me to stop playing around and stop lying about paying it or filing a suit. He continued to say that he doesn't care what I have to say, so I asked why did he ask to speak to me and he didn't have an answer other than saying I was lying, I like being in debt, I don't intend on paying the debt and that I should just stop lying. He goes on to say he has the power to put my debt further in collections sense I like being in debt. I told him he had no clue what my situation was and that he was being extremely rude. He goes on asking me if I'm going to get him and find him, what can I really do. After seeing I wouldn't get anywhere with him I asked for the company 's corporate number, he told me that I was speaking with corporate and that there wasn't a point of contact higher than himself. The call resulted with me being flustered and hanging up. After the call, I placed a call to my partner. As I was feeling overwhelmed and so badgered, I wanted to hurt myself. 

XX/XX/XXXX- I am assisted by my mother with paying the debt in full {$370.00}. I spoke with a rep by the name of XXXX XXXX who closed the account out. I briefly explained that this debt being paid in full would help better my credit but more importantly assist me in getting approved for an apartment. I stressed the issue that I was XXXX and needed an emailed copy of the receipt, showing the balance being {$0.00} The rep assured me that it would be taken care of by the end of business day or no later than the following morning. I thanked her and hung up. 

XX/XX/XXXX- Around XXXX CST I called and the agent from the day before wasn't available so I spoke with a rep by the name of XXXX . He started the conversation with the mini-miranda and telling me that he couldn't understand what I may need having that my debt was paid in full. I proceeded to let him know I was calling to get a copy of receipt via email that was never received the previous evening, nor earlier that morning. He repeatedly spoke over me and so fast that I wouldn't be able to gather what he was saying even if he repeated him self. He continues to talk over me, and asking me what he could help with, I repeated my request and he said well I'm sure I could help but I'll write a note to XXXX to follow up with you. I explained that the information that was relayed wasn't delivered on and if I didn't receive the email I could risk losing an apartment for a second time. He tells me she sent a letter to XXXX XXXX XXXX which is my old apartment in MN and I live in XXXX. Even after I said I was XXXX she decided to send a letter anyways and to my old apartment that sold the debt to them in the first place. I requested to speak with a supervisor he said no more were available, referring to himself as a supervisor and saying all agents in office were on break/lunch. I told him he was rude, unhelpful and not a good listener. That for the sake of others and myself, I would be reporting him and his other colleagues. 

This complaint was submitted on XX/XX/XXXX at XXXX XXXX CST. I've yet to receive my email and am now facing continued XXXX and run the risk of losing yet another apartment, due to poor communication, lack thereof horrible customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation