Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

This complaint is regarding a debt notice I received from I.Q. Data International , Inc. ( " IQ Data '' ) dated XX/XX/22 for the amount of {$170.00} ( refer to attached ). 

The debt notice simply stated that I have some outstanding debts to the apartment that I resided previoulsy without any context and I was not communicated of any remaining balances by the apartment after following a proper move-out process. Accordingly, I called IQ Data expressing my intention to dispute the debts as clearly instructed on the debt notice. At the time, the representative informed me that the charge will be marked as " disputed '' in their system and that they'd provide me with additional information that shows that I owe the debt. Then, on XX/XX/22, I received a call from IQ Data reminding me that I have an outstanding debt with the apartment. During the call, I explained the situation and expressed my interest in better understanding the debts before taking any actions. The representative understood my situation and kindly informed me that she'd transfer me to an authorization manager for a 24 hours-hold approval so that I can contact the apartment and inquire about the debts. I'd like to file a formal complaint for the abusive behaviors of the authorization manager that this letter will describe, which seem clear violations of Federal Debt Collection Practices Act ( " FDCPA '' ).

According to section 809 ( b ) of FDCPA, it is clearly stated that " if the consumer notifies the debt collector the debt is disputed, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment ''. I did not receive any verification of the debt from the debt collector after my initial dispute, meaning I still had no understanding of the debt I owed when I was speaking with the authorization manager. The abusive behaviors from the authorization manager started unsolicitedly, when I expressed my interests in better understanding the debts before resolving them. Under section 806 ( 2 ) of FDCPA, it is stated that " a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in conn
ection with the collection of a debt ''. Further, it is clearly stated that " the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader '' is a violation. Further, section 807 of FDCPA clearly states " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' When I simply expressed my interests in obtaining basic understanding of the debt I wasn't made aware of, the authorization manager started to threaten/blackmail me with sentences like " If you don't act like an adult by paying the debts, I'm going to leave a permanent record to your credit report ''. Subsequently, when I explained that I wasn't made aware of any outstanding balances at the end of my move-out process and that I just want to understand the balance before taking any action, her response was " It's your fault that you didn't practice due diligence with the apartment '' and that " I have no right to contact them and that the apartment will not answer my call for any reason ''. I strongly believe these abusive verbiages are clear indications of violations to multiple subsections of FDCPA and that I request the proper corrective actions to be taken place.