Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: GA

Complaint narrative:
I am submitting this complaint regarding a debt collection agency XXXX XXXX XXXX ( XXXX ) XXXX that has engaged in repeated harassment, coercive behavior, deceptive practices, and abusive conduct toward both myself and my wife. 

During a phone call XXXX at XXXX XXXX  that included my XXXX advisor, a representative of this company named XXXX repeatedly attempted to pressure and coerce me into making immediate payments and taking out loans to satisfy the alleged debt. Rather than discussing lawful repayment options, XXXX used manipulative and demeaning tactics intended to make me feel guilty and ashamed for not paying immediately. He spoke over both myself and my XXXX advisor and refused to allow a meaningful conversation to occur. 

Because of this behavior, my XXXX advisor requested to speak with a manager. The manager who came on the line was equally rude and aggressive. He accused me of lying about my financial situation and claimed I was capable of paying that day, despite having no knowledge of my bank account or finances. He repeatedly attempted to pressure me into taking out a loan or making other harmful credit decisions, which is inappropriate and coercive conduct for a debt collector. 

In addition to this, the company has repeatedly contacted my wife in a harassing manner. They routinely call her around XXXX XXXX, immediately before the legally permitted cutoff time, and on at least XXXX occasion hung up on her exactly at XXXX XXXX. These calls appear intentionally timed to apply pressure and avoid accountability. 

During XXXX call, representatives demanded my wife provide her bank account information before disclosing any settlement terms. When she asked for the settlement amount first, they refused and continued pressing for her banking details. In reality, no legitimate settlement was ever presented, leading us to believe this was a deceptive attempt to obtain sensitive financial information under false pretenses. 

The tone and conduct used toward my wife were especially concerning rude, dismissive, and aggressive and caused significant stress. At no point did the company provide clear written validation of the debt or act in a professional or lawful manner. 

This company has : - Used abusive and harassing language - Attempted to coerce payment through guilt, shame, and intimidation - Pressured me to take out loans and make financially harmful decisions - Accused me of lying about my finances- Harassed my wife with late-evening calls - Attempted to obtain bank account information without disclosing settlement terms- Failed to conduct themselves in accordance with fair debt collection standards I believe this conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and constitutes unfair, deceptive, and abusive practices. I am requesting that the CFPB investigate this companys actions and take appropriate enforcement measures to prevent further harassment and harm. 

I am prepared to provide additional details, call logs, and names if requested. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation