Consumer complaint received 2022-12-21
Company: T.S. Holdings
State: TX
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/XXXX our former apartment, XXXX XXXX XXXX XXXX, sent me a final bill of {$910.00}, after we informed them of our intention to vacate after living there for 4 years. 

After we moved out we went to the leasing office severally in order to get a staff to join us to our vacated unit so they can dot heir inspection before we gave them the unit key, but they said all their staff was still busy, we shouldn't bother too much about it, usual wear and tear after 4 years will at most be {$600.00}. So we handed them the key and left. 

On XX/XX/XXXX th I got a cold call from a lady who said she was an agent for the collection company IQ Data, who was hired by my previous apartment to collect {$5900.00} for damages. I instantly disputed the bogus charge and questioned the fact XXXX XXXX sent us straight to collections without making any claim, no breakdown of damages, no report, no correspondence whatsoever to us, though, they had not only our phone numbers and email ( and they have been communicating with us in that way for over 4 years ) they also had our forwarding address. 

After i disputed this, and was trying to resolve this bogus and malicious charge, IQ Data continually called and harassed me, causing me emotional and psychological stress and panic. They reported it to the Credit Bureau, left a derogatory comment on my report. Wrecking my score. My wife 's as well. Yet, they didn't let us breathe for a second. Raining down angry calls and threats on us, every other day. 

One one occasion, when the manager called to harass me, I reminded him that this case was still under dispute and I am in the middle of resolving the issue with my previous apartment, he told me it was " illegal '' for me to reach out to them again, and i should only deal with them. And he went on pouring threats, in the meanest voice, and the harshest, condescending tone, of how they will hit my credit and interests will be added daily.

Another occasion, when I was driving down the freeway, he called again, harassing me, and yelling. I told him I was emotionally and psychologically shaken by this to the point where it is giving me a XXXX XXXX and i was driving on the freeway, so that wasn't the best time to continue this conversation. He replied telling " he doesn't care, all he wants is the money. Now will you be paying with a XXXX or XXXX? '' I repeated what I said, telling him of my XXXX XXXX and that I was driving. Please can you at least wait until i pull over, park the car and call him back. He coldly repeated, " XXXX or XXXX? '' XXXX XXXX XXXX XXXX " agent assigned to the case '' called my wife, trying to make her convince me to negotiate a middle ground. XXXX, XXXX  XX/XX/XXXX, we called the lady. And while we were talking with her and trying to find a middle ground. She put us on hold ... then in comes the manager on the phone, roaring like a vengeful lion, pouring threats with his icy steel voice, condescending tone, reminding us he knows where we live, he is in XXXX Washington ( I don't know if that was to provide him some sort of alibi ) and he will do whatever it takes to get their money from us. No more negotiations, wait and see what I will do to you people. '' My wife and I were so shaken by that direct threat that our voice was quivering when the lady came back to the phone. ( I recorded part of it, but they said all their calls are recorded, so Im sure they can provide the full phone conversation if asked. ) I repeated the manager 's threats to the agent and she affirmed it, saying, " yes, now, we will do whatever it takes, and go any length to recover our money from you. '' My wife even asked her if we could at least pay in installments, since we don't have money now. And she replied " we will not finance your debt for you. We need that money in full and we need it today. Go get a loan from somewhere, or wait for the consequences. '' Then she hung up. 

We were so shaken by this because they have our address. We have young kids at home. And they sound very... dangerous, mean and vengeful, as if we had known them and hurt them in someway previously. I didn't want to take any chances, I instantly called XXXX and informed the police of this ver disturbing, threatening conversation. 

A dispatch police officer was sent over to our residence. They took our statement and offered us advice. And we were also advised to report this case to you, so you can review the conduct of this company, IQ Data and let us know if this is a fair practice of a debt collector, especially in a case in dispute where the apartment who hired them knows we didn't damage the counter top, and they have no way of proving it was not damaged before we moved in there. On the contrary we have offered them proof that it was, by reminding them of the circumstance in which we moved in there, and providing further evidence to that fact.

Company response to consumer: Closed with explanation