Consumer complaint received 2021-03-25
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 an IQ Data International debt collector contacted me, they verified my name and phone number and stated it was an attempt to collect a debt in regards to an unpaid judgment. Due to not receiving my Itemized Deduction List from the previous apartment I was unaware of the amount owed prior to my move out. I requested the apartment send it and updated my mailing address but still never received it. I attempted to set a payment date of XX/XX/XXXX and negotiate a settlement amount. I was told the earliest I could not set a settlement past the date of XX/XX/2021 because they would begin reporting to credit agencies on XX/XX/2021. I do not recall my XXXX being verified however the agent pressed me about if or had I received my XXXX or my XXXX which neither I had not. She used my social security number without my permission to look at my stimulus payment date after I had already disclosed I had not been given a date when she first asked if I had received it. I told her I was currently living out of a XXXX  because I had just found work in a new city and that 3 days was unrealistic for me to have nearly {$2000.00}. She told me it was realistic because the stimulus could come any day. I tried to set the payment for XX/XX/2021 but again she told me she couldn't give me the settlement amount for that date. I agree again on XX/XX/2021 and then continued on with looking at my stimulus, again never verify my social or gaining my approval to look. She verified if the last XXXX digits of the account were mine and I said yes. In attempts of hope, I again asked to set a payment date for XX/XX/2021 because I needed more time. I was unaware of this payment and didn't know it was even sent to collections until the date of the call. She continued to say they would have to report beginning XX/XX/2021, and she couldn't do anything else so once again I agreed to set payment for XX/XX/2021 with a settlement amount and was then asked for my visa card. I asked if I could speak to someone in regards to receiving documentation before I agree to make a payment. A " XXXXr '' rudely answered the phone and I stated before I make a payment I would like to receive a document in the mail stating that once I make the payment it will not in any way affect my credit report. The male " XXXX '' stated he would provide documents in my email and once he did I had to give him my XXXX card or else he would not agree to the settlement amount. I asked for a letter document in the mail seeing as I've never received any letters by mail from a collection agency, he again denied me and said if I didn't take the email and give him my XXXX card he would then opt out of the settlement and make me pay the full balance as well as report it to my credit report. I refused his threat and stated I wanted a paper in the mail if I couldn't get a document in the mail I would not be making any payments. I never once denied making a payment I just asked for documentation of this debt being paid. He then stated he was now going to make me pay the full amount and would be reported to my credit. I then denied to make any payments and I can't recall if he or I ended the call.

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