Consumer complaint received 2021-02-17
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2020, I had found a home that I had wanted to purchase for our family and we began the process of getting a home loan ( with the first-time homebuyers 0 % down payment ). In a routine background check the equity company ( XXXX ) had done, they pulled up an old judgement from 9 years ago ( it will be 10 years this XXXX ) that was put on my old roommate and myself for an eviction. I was then told by the first XXXX representative that the judgement did not matter, then another XXXX representative ( her name is XXXX ) had told me that it in fact does matter and it needed to be taken care of in order to go through with the purchase of the home. The first step I took was to contact the apartment complex that was involved, they informed me that they were no longer owned by the same residential group and they were now owned by XXXX, I contacted XXXX and they had no information regarding this eviction. I then speak to XXXX and she informed me that IQ Data International had taken the debt and I needed to speak with them about paying my portion of the debt off. I then contact XXXX XXXX of IQ Data International ( the representative in charge of the account ) and worked out a deal over the phone to pay {$4000.00} of the $ XXXX of the debt to have my name removed from the debt legally. I paid the {$4000.00} and after several phone calls to get information from XXXX about the status of my name being removed from the debt, he sends us a letter that states I had paid {$4000.00} and my name is to be removed from the debt. When this letter was presented to XXXX, we were told that the letter was not sufficient and a Satisfaction of Judgement needed to be filed in the court. At this point, XXXX has been hostile in attitude with us, and now, when confronted that this letter isnt sufficient, he tries to mislead me into thinking it will get done. When nothing was getting done ( the XXXX XXXX XXXX XXXX clerk website showed nothing was being filed ), both I and XXXX from XXXX attempt to contact XXXX multiple times on the matter, only to be told that it is going to happen, but it is the apartment complex who needs to file it. So I contacted the apartment complex and XXXX again on the matter, both which tell me they have no information and have not heard anything from IQ Data regarding collecting on the matter and will let me know if they do ( they never did ). I call IQ Data again, and let XXXX know that they havent heard from them. XXXX then became irate and brushed me off with that it will happen. At this point, we are approaching the deadline to have all of this process finished so we can purchase the home. When the date came, we paid the homeowner to extend the time for one month for us so we can get the matter settled. After 1 month, in XXXX, nothing was filed still and we lost out on the home, forcing us to sign a temporary lease until XXXX, XXXX comes, and we begin to look at homes again and see if anything was filed. In order to help us in this process, I contacted the Attorney Generals office who contacted IQ Data, but couldnt do anything beyond contacting them asking about the filing of the Satisfaction of Judgement, which we were not told about what they had said. Eventually, we found out that an Assignment of Judgement was filed by a XXXX XXXX ( whom is assumed to be representing IQ Data ) that assigns the collection of the judgement to IQ Data, but they did not file any Satisfaction of Judgement nor anything else regarding the fact that I had already paid them {$4000.00} to have my name removed from the debt. I need to find out what I can do to remove my name legally from the judgement that I already paid my agreed upon amount for, so I can have the ability to purchase a home for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief