Consumer complaint received 2022-09-21
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 (IA)

Thank you for reviewing my complaint. 
Complaint against : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX Background : On XX/XX/XXXX, I sent an email to XXXX XXXX, the apartment XXXX at XXXX XXXX XXXX to inquire about options for my daughter XXXX XXXX XXXX to break her lease. XXXX informed me that the fee to terminate the lease was 2 months of rent ( {$2700.00} ) along with a 45-day notice. 
On XX/XX/XXXX XXXX sent an email to XXXX XXXX apartment informing them that she was providing them with a 45-day notice with plans to move out on XX/XX/XXXX. XXXX XXXX contacted her on XX/XX/XXXX confirming he had received the email and that he would honor the terms provided in the email by XXXX XXXX. Additionally, he communicated to XXXX there would be no additional charges. 
XXXX paid XXXX rent. She then sent a check to XXXX XXXX Apartments for {$2700.00}. The check was delivered on XX/XX/XXXX and XXXX confirmed that XXXX received the check. 

Reason for the complaint : 1 ) Harassing phone calls, 2 ) pressured into providing account information, 3 ) withdrawing funds from XXXX account with providing details for the charges. 

On XX/XX/XXXX XXXX received a Collections call from XXXX XXXX from IQ Data International , INC. During the phone call XXXX XXXX XXXX that she owed XXXX an additional {$970.00}. She told XXXX that if she did not pay the {$970.00} by XX/XX/XXXX, IQ Data International , Inc. would report her to the credit agency on XX/XX/XXXX ( 7 days later ). During the call XXXX pressured XXXX into providing her Credit Card information so she would not have negative credit. On XX/XX/XXXX, IQ International withdrew XXXX from her checking account, overdrawing her account. 
XXXX felt forced to provide her account information as she was looking to rent housing in XXXX XXXX and did not want the negative credit reporting to impact her ability to find housing. 
After hearing about the call, I reached out to IQ Data International Inc. 
a ) We had no prior knowledge of any additional funds owed prior to receiving the collections call. We did not receive written notice of any additional funds owed. 
b ) I asked XXXX what she was going to report the credit agency given we werent delinquent. She did not provide a response or any details as to what she would be reporting to the credit agency. 
c ) When I asked what we owed {$970.00} for, XXXX could not provide any information. She did, however, give me hypothetical examples of what the charges could be She told me it could be for cleaning the apartment. She asked me if we had a walk through and if we didnt, it was probably for damages. ( note, XXXX stopped by the office on multiple occasions on the day we moved out and no one was in the office for a walk-through ) d ) When XXXX called XXXX XXXX XXXX XXXX inquire about the additional charges, they told her she did not owe any money and they currently processing her deposit refund. We provided a {$400.00} deposit when we signed the lease agreement. 

( note, if you need examples of email communications, I can provide them upon request )