Consumer complaint received 2026-03-30 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:
Today, XX/XX/year>, I was contacted by a company called XXXX XXXX International at XXXX PM. They contacted me stating that I owed them a debt that they had purchased, and that payment was due. I asked what the debt was in regard to, and they explained what the debt was and how much was owed. I explained that I could not pay that amount in full and asked if there was something else that could be done, as I did not have the funds. After explaining my situation more in depth to the first representative I spoke with, whose name I did not get, she explained that there was a hardship program and that she would take my information down for it. She took all of my information and asked about my taxes, i informed her i was not getting anything back this year. She the said she would transfer me to her supervisor. When I got on the phone with the supervisor, she was very rude. I tried to explain my situation, but she dismissed everything I said and stated that I had to pay today and that I could get the money some way. I explained that I could not. She then told me to take out a loan or ask family to help. I explained that I am the XXXX supporting my whole family and that I have no one to turn to for help. I asked if I could make a payment when I got paid on the eighth, explaining that I would not be able to pay in full but could make payments. She became highly disrespectful and stated that since I could not pay today, they would be sending my account to collections the next day. I became emotional and stated, XXXX, I dont know what else you want me to do or say, I dont have the funds in full. She then stated that the call was being recorded and asked if I wanted a judge to hear the recording. I stated that the judge could hear it, because I was trying to pay but they were not giving me any options to do so. She then informed me that my account had been in collections since XX/XX/XXXX. I explained that I was unaware of that because I had communicated with my apartment complex and had provided them with my new address. I also told them before I moved that if there were any issues, to send correspondence to my previous apartment address, as my mail would be forwarded. The agent stated that had nothing to do with them, that the account had been in collections since XX/XX/XXXX, that they were the company before collections, and that if I did not pay immediately, my account would go to collections. I continued trying to explain that I wanted to pay and asked about the hardship plan that was offered to me. She kept repeating that I had to pay in full today. I ended the call. I called back at XXXX PM and spoke to another representative. I explained what had just happened, that I had been treated disrespectfully and that I was trying to resolve the issue but the previous agent kept repeating the same thing without offering any resolution. I requested to speak with a supervisor above the previous agent. The representative said good to know and transferred me. When I reached that supervisor, I again explained that I had just experienced a disrespectful interaction and that I was calling to resolve the issue. I told him that I had been offered a hardship plan and wanted to explore that option. He was no better. He gave his name only as XXXX, with no last name provided. After I explained my situation, he told me the same thing, to get a loan or have someone cosign. I explained that was not possible, as I already had XXXX loans out and my credit was not good. He then suggested I take money out of the stock market. I never stated to anyone on these calls that I had money in the stock market. He continued pushing for other ways for me to obtain the money, and when I explained that none of those options were available to me and that I wanted to use the hardship program and make a payment on the eighth, he stated that I was blaming the economy for my situation. That was deeply hurtful, especially given that I had just shared personal financial details in good faith, details I would not have shared had I known they would be used against me rather than to help me access the hardship program I was offered. I told him that I hoped he never had to go through a difficult time in his life, because saying something like that to someone who is trying to resolve an issue and has just explained a difficult financial situation is harmful. I asked if he was a supervisor. He confirmed that he was. I asked if he was the supervisor of the agent I had spoken to earlier. He stated they were all supervisors. I asked to speak to his supervisor, someone over him. He told me I had already spoken to XXXX people and that they were all going to tell me I had to pay in full. I again requested to speak to his supervisor. He again stated they would all say the same thing. I asked directly, Are you denying me the opportunity to speak to your supervisor? He said hold on without indicating he was transferring me. I was then sent to a voicemail. I left a message explaining what had happened and ended the call. At no point during any of these interactions was I provided with a workable payment option or access to the hardship program that was offered to me at the start of the call. The representatives used scare tactics, including threatening that my account would go to collections and asking whether I wanted a judge to hear the recording, in an effort to pressure me into paying in full on the same day, despite my repeated and good faith attempts to make arrangements to pay.

Company response to consumer: Closed with non-monetary relief