Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX Subject : Formal Notice of Breach of Contract and Demand for Refund To Whom It May Concern, I am writing to formally dispute unauthorized charges on my account and demand an immediate resolution. XXXX XXXX has engaged in improper billing practices, including reopening my account and imposing unauthorized charges after my confirmed cancellation. This constitutes a breach of contract under the terms of our rental agreement. 
Summary of Events & Breach of Contract Breach of Specific Rental Agreement and Supporting Documents : - Section 11.1 ( Rental Agreement Termination Clause ) : Allows termination with seven ( 7 ) days written notice. My oral cancellation on XX/XX/year>, and XXXX XXXX written move-out confirmation satisfied this requirement. Reactivating the account after termination violates this clause. 
- AutoPay Authorization Agreement : States that I can terminate AutoPay by calling customer service. My call on XX/XX/year>, fulfilled this requirement, yet XXXX XXXX continued charging me, violating this agreement. 
- Section 2.2 ( Changes to Fees Clause ) : Requires 30 days notice for fee changes. The addition of new fees and unauthorized insurance charges violates this clause. 
- Section 2.1.3 ( Payment Authorization Terms ) : States that payments are applied to outstanding rent. XXXX XXXX imposed unauthorized charges after termination, violating this section. 
- Leasing Payment Receipt ( Dated XX/XX/year> ) : Confirms my final charges before moving out. Any charges beyond this date are unauthorized. 
- XXXX XXXX Move-Out Confirmation ( XX/XX/year> ) : States that I was 'moved out and settled up. ' Any subsequent charges contradict this confirmation and breach contractual obligations. 

Improper Billing and Overcharges : - Since XX/XX/year>, I have been charged a total of {$880.00}, more than double the cost had I continued renting. 
- Unauthorized charges applied to my account : - {$250.00} - {$100.00} ( charged, then refunded, then charged again ) - Two additional {$100.00} charges- Two additional {$220.00} charges - These charges were imposed without my confirmation or approval, violating the contracts payment terms. 
Formal Demand for Refund & Resolution I demand an immediate refund of {$880.00} for unauthorized charges and written confirmation that my account has been permanently closed as of XX/XX/year>. 
Failure to correct this issue within seven ( 7 ) days from the date of this letter will result in further legal action, including : - Filing a dispute with my credit card provider for unauthorized transactions. 
- Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX  ). 
- Pursuing legal action in small claims court for breach of contract and improper billing practices. 

Please treat this matter with urgency and provide a response by XX/XX/year>. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation