Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: ME

Complaint narrative:
Complaint Against XXXX XXXX XXXX and IQ Data XXXX XXXX. 

I am submitting this complaint regarding an invalid debt being pursued by IQ Data XXXX XXXX on behalf of XXXX XXXX XXXX. The balance is inflated, contractually unsupported, and violates multiple provisions of XXXX XXXX XXXX 

Lease Background and XXXX Violations On XX/XX/2025, I submitted written notice to cancel my lease in accordance with its terms. The lease limited my liability to either XXXX  months rent or until the unit was re-rented. XXXX failed to list the unit for nearly two months, in violation of their duty to mitigate damages. When listed, the unit was rented within XXXX  days. 

On XX/XX/XXXX XXXX XXXX I received a written resolution from XXXX representative, XXXX XXXX, stating I would only be responsible for the XXXX rent concession ( {$5400.00} ) and XXXX rent, and that XXXX would waive the early termination fee ( which could have exceeded {$43000.00} ). He stated this was the only available option and the resolution XXXX was offering. Despite this clear written agreement, the matter was sent to collections with a significantly higher balance. 

We vacated the unit on XX/XX/XXXX XXXX. No certified notice was ever provided regarding our {$3000.00} security deposit, in direct violation of Florida Statute 83.49 ( 3 ). This alone invalidates XXXX right to retain any portion of the deposit.

Additionally, we were issued over {$3000.00} in parking violations despite receiving written approval for our vehicle. These were administrative errors that should never have resulted in charges.

During our lease, a XXXX XXXX XXXX XXXX XXXX  directly above our unit. We submitted multiple written complaints regarding the dangerous living conditions. XXXX failed to take action, violating Florida Statute 83.51 ( 1 ), which requires landlords to maintain safe, habitable housing. 

XXXX also disabled our phone-based unit access for four days without providing wristband keys as promised in the lease, constituting an illegal lockout under Florida Statute 83.53.

Debt Collection Harassment and Misconduct On multiple occasions, I was contacted by IQ Data XXXX XXXX, acting on behalf of XXXX  Their representatives were verbally aggressive, used profanity, and hung up on me multiple times. I was told there was no way to remove the debt without damaging [ my ] credit, that my credit would be ruined for seven years, and that I had a 0 % chance of settling for less than {$16000.00}. 

On XX/XX/XXXX XXXX, during a recorded phone call with XXXX XXXX XXXX, I agreed to a {$10000.00} verbal settlement, which was accepted by their team in good faith. That call was recorded by their own system. Despite this, the full {$16000.00} balance was later referred to collections without explanation or documentation. 

Request for CFPB Action The claimed debt is unsubstantiated, inflated, and contradicted by XXXX own written and recorded statements. This matter has caused undue harm and stress.

Company response to consumer: Closed with explanation