Consumer complaint received 2023-09-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

IQ Data International Services Phone Call Briefing Date : XXXX. Call Time : XXXX XXXX I initially called IQ data services on XX/XX/XXXX trying to get more information to see if there was an update on my dispute request that was mailed XX/XX/XXXX. 

I was transferred over to the agent that was assisting me from my initial phone call on XX/XX/XXXX. His name is XXXX. I asked XXXX if there was an update on my dispute claim. XXXX stated that there was a major backlog in the dispute department. I asked if he could give me a date or estimated time that my dispute would be seen. He could not. I asked to speak with a manager to see if I can get a better time frame for this matter. 

I was transferred to XXXX XXXX. I explained my situation to her, I also explained that XXXX could not give me a time frame that my dispute would be received. XXXX then started to bagger me into paying the debt during the phone call. I informed her that I did not have the money to make the payment and I was just looking for another option/ looking for an update on my dispute. XXXX stated that the dispute will be addressed within 30 days at the earliest. I said ok, well I guess I can just call back tomorrow to ask for an update on the dispute. XXXX then stated that I could not call back. She said that if I did not pay the debt while on the line then she would mark my case as unable to collect debt and I would be unable to dispute any sort of claim on my account and the charge would stay on my credit. XXXX then went on to say that this situation was my fault and that I had known about the debt since XXXX of XXXX. I let her know that that was incorrect. 

I asked what address she had on file, she stated that she could not tell me. I then asked if I could get anything in writing because I have not received anything from this company recently. She then cut me off and stated that I could either pay the debt now or set up a payment plan/ hardship plan. She also stated that if I did not obliged she would end the call. I placed her on a brief hold to research the law to see if she could do that. I could not find an answer so I took her off hold. 

I asked what the hardship form was and if she could mail it to me. I let her know that I would like information in writing and by mailing it to me I could then fill out the necessary paperwork and send it back so that I can have records. She stated that I could only do it over the phone. I let her know that I ought to be able to get things in writing. XXXX started becoming increasingly aggressive and extremely rude. She started to laugh at me saying that she found my situation comical. I again placed her on a hold to gather my thoughts. I waited a minute then took her off hold to try to speak with her again. 

I told her that I found her to be rude and unprofessional and I am just looking for help and answers. I asked if I could speak with someone else. She stated that If I do not fill out the hardship [ form she would terminate the call and I would be unable to resolve this matter and It would stay on my credit. She said that she would mark my case as unresolveable. I let her know that that was not true. I am just trying to resolve the debt that does not belong to me. 

I let her know that I tried to rectify this situation with the XXXX XXXX apartment complex and they stated that because my account was in collection, they could not speak with me at all. 
I let her know that I did detail that in my dispute letter. She informed me that they had records on my original dispute back in XXXX. She stated that the apartment complex said that I was responsible for the debt. I asked if that meant that it's my word against theirs? she said yes. I stated Well, I am calling now and I am filing another dispute because this debt does not belong to me and I am trying to resolve this matter with the appropriate party. Doesn't that count for something? I am asking for help, because this debt does not belong to me. I am not in a situation where I can pay {$1100.00} for a debt that does not belong to me.This is causing undue hardship for me. 

XXXX laughed again. She stated that I should have thought about that and that my case had been on her desk since XXXX. She also stated that this was my fault because I should have called earlier. I let her know that I did receive a dispute from a letter in XXXX but I did not receive notification from the company. I do not have an eviction on my record so I thought that everything was resolved. The initial dispute with XXXX XXXX XXXX XXXX XXXX  was regarding an eviction due to an unpaid rent balance from a time period that I did not live there. She stated that a letter was mailed out to me. I let her know that I did not receive that letter. I asked If I could speak with her manager or report to her because I was not comfortable speaking with her longer. She laughed again. She said that she was speaking in circles and I was being difficult. She said that she had been on the phone with me for XXXX minutes and I was wasting her time because I was not willing to pay the debt. She stated that she would not transfer the call to a colleague to waste anyone elses time because of me. 


XXXX XXXX became increasinly agitated, rude, and unprofessional. I was confused by this because I was only asking questions and trying to resolve the situation. She yelled that I needed to fill out the hardship form. I let her know that I do not understand why she is yelling and laughing at me. I also let her know that I do not appreciate her behavior. I let her know that I was uncomfortable giving her any additional information. I asked if she could mail out the form and I could fill it out and mail it back because I was not prepared to fill out a hardship form and I may not have all of my information. She stated that If I do not fill out the hardship form over the phone that she would terminate the call, I would be unable to resolve this matter, and It would stay on my credit. She said that she would mark my case as unresolveable. She demanded that I give her reasonable estimates. 

I did not know what else to do. I thought that XXXX actions were illegal for her to do this to me. I feared that this would stay on my credit and I would be unable to move into another apartment or house. I agreed to start to complete the hardship information with XXXX XXXX as I did not know what else to do. While completing the hardship information, I gave her a reasonable estimate of my rent, utiiles, and then she asked me about my XXXX XXXX. I let her know that I do not know that information off the top of my head. She stated ok, guess then started listing out numbers and asking is it XXXX, XXXX, XXXX, XXXX something. I tried to look up my email at the time and stated that I do not know. I asked if I could put her on another hold to find out this information. She demanded that I give her a number right then and there. I said ok XXXX. She sucked her teeth and stated that based on the previous information my XXXX XXXX could not be that high. She stated that I was giving her false information. I let her know that I was not giving her false information. Her tone was extremely accusatory. I let her know that again, I am giving her the estimate that she was asking for. I let her know that she was being extremely rude and I needed to speak with a manager. SHe stated that I can only speak with a manager after this is completed. 

I was becoming increasingly upset and disrespected. During the call my mother overheard the situation as I was at my parents home when calling IQ data services international. My mother stepped in and wired me the balance due so that I could pay it and move forward to speak with XXXX 's manager. XXXX took my payment and transferred the call immediately to someones voicemail. She did not give any payment confirmation. She did not give me information in writing that I requested, I called IQ data services international again to get this information. No one picked up my call and I was transferred over to voicemail XXXX separate times. I believe that XXXX took my payment, marked my case as unable to collect debt, and I am now unable to dispute any sort of claim on my account and the charge would stay on my credit.