Consumer complaint received 2017-04-06
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I received a call from a man named XXXX. When he called he asked for me by name and it took me twice to ask him where he was calling from before he told me the name of his company which is iq data and that they collect on money owed to a rental property. When he told me where he was calling from I proceeded to tell him I knew why he was calling and that I disputed the debt because I had no knowledge of it nor did I ever receive any bill or any proof that I acquired the debt. He then started to explain how the charges came about and I informed him that he did not need to be explained that I 'm aware as this has been explained to me and that I 'm clearly stating that I do not owe money for any damages done to an apartment which might I add I 'm still a resident for the same apartment complex. He was very rude and as I tried to make my statements he talked over me the whole time and made no attempt to listen to what I was saying to him. He then proceeded to say this is a refusal to pay which at that point really upset me because I explained to him already that I was disputing the validity of the debt and now your insisting that this is a direct refusal to pay. I should also add that I was never properly verified so if he was required to verify my ssn as most debt collection agencies are he never did so and never gave me any type of disclosure statement or XXXX. To make matters worse he also laughed at me when I told him that I would not pay something that I felt I did n't owe. I asked him to speak with his manger and he continued to talk over me and at me. After asking to speak with the manger several times he finally connected me to XXXX. I advised XXXX that I felt my rights have been violated and even harassed. He asked me how were my rights violated and I explained the situation to him. Fdcpa guidelines are put in place to protect me from being mistreated and abused by collection agencies and debt collectors and I feel that man violated my rights under those guidelines. The manager told me that man did nothing wrong. He said nothing even remotely remorseful to that fact that I was very upset and felt that his employee was rude and unprofessional. When I told him laughed at me he again found nothing wrong with that and I told him they we 're both very rude his response was " I disagree but OK '' ... .when I asked for the name of their company and the name of himself and the first guy I spoke with the manger accused me of yelling at him and threatened to terminate the call and then rudely and obnoxiously put me on hold while I was speaking with him. When he came back to the line he asked me if was done screaming and when I went to explain to him I had him on speaker phone and was not screaming he put me back on hold again while I was talking. Finally when he came back to the line he gave me his name and company name and that was the end of our call. I have never dealt with a company so rude and unprofessional ever and cant understand how either one of them our considered qualified to work with people. They may have a job to do but this is not how you go about doing I t and I intend to pursue further actions on this!.