Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: T.S. Holdings (NY)

I made a payment deal with IQ International Debt agency via phone in XXXX of XXXX to pay them a certain amount out of the full amount considering that I did not have the full at that time. I gave my debt card information, agreed to pay the first half and then agreed to pay the second half by XX/XX/XXXX. 

I finally came into some money with my NY State Tax Return that Ive been waiting months for due to identify theft but when I went into my bank account today on XX/XX/XXXX I noticed IQ International swept that money away on XX/XX/XXXX without authorization. 

( On the recorded line back in XXXX of XXXX with XXXX XXXX, I agreed to give them the rest of the money owed by the end of XXXX, NOT authorizing a payment. Theres a difference. ) Today, after discovering the authorized charge and grab of my money in my account, I immediately called XXXX XXXX and reintroduced myself to refresh his memory of our last conversation. With tears in my eyes, I explained my current reality of financial hardship and how I didnt ignore their requests for the money and that I just simply did not have it but was willing to give them a cut of my tax return when it would eventually come to me. Within minutes, XXXX XXXX got frustrated and angry with me, downplaying my raw emotion and pleads to please help fix this as Im a single mother with XXXX children who relies on every dollar that comes to me. I explained I was not ignoring him or blowing him off, I had every intention to pay ... I just needed a payment plan as life took a different turn due to circumstances out of my control. He refused to work with me and raised his voice ( would almost consider it yelling ) at me 90 % of the 45 minute phone call during an emotional vulnerable time, pleading for his help. 

I told XXXX that I did not authorize a payment to go through with them on my bank account. Back in XXXX of XXXX, I recall clearly agreeing to have the money by the end of XXXX which is no way in the same as agreeing to an authorize CHARGE on my account. This is UNACCEPTABLE debt collector action. I called my bank immediately to dispute the charge as well. 

XXXX was very kind to me the first phone call back in XXXX of XXXX. Understandably so as I was handing over the money owed. This phone call today was inappropriate and uncalled for and Im extremely upset that I received an UNAUTHORIZED charge by IQ international on my account. XXXX told me that they sent letters to my home before the UNAUTHORIZED garnishment. Did not receive a single letter. XXXX repeatedly told me to get a lawyer to look at the recorded call back in XXXX and told me hes terminating my call. 

Jasons complete disregard to a human beings struggles is astounding. After telling him that he neglected to tell me important details regarding my debt in the first phone call and that he should really thoroughly explain to people things they should know before paying, he responded with well its not my responsibility for you to understand what we say to you. This is mind blowing, cold and unprofessional to say to someone who is hysterical on the other line for good reason. 

Something needs to be done. Unacceptable.