Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/year> at XXXX, I called to ask about a debt for {$1300.00} that was just added to my credit report on XX/XX/year>. I was sent to a representative who answered the phone while laughing " Is this XXXX? and then the call dropped. I called back at XXXX and spoke to the same person, XXXX XXXX XXXX She was rude and seemed bothered by my questions. I told her I never got any notice about this debt, so I did not even know if it was true debt. She said I had to pay the full amount or a lower amount. I asked for a letter about the debt because I did not see anything showing I owed it on the website. I do not know what the charges are for. The website is not helpful either. It only shows the total amount, company name, and account number ( see attachments ). I am still not sure if this is a real debt. XXXX started asking me simple questions about my finances and laughed when I said my rent is {$500.00}. She said, " Ha, what you rent a room or something? '' I felt judged. She said she could take a couple hundred dollars off, but only if I paid right away, and said there would be a 20 % discount ( {$1000.00} ). She also said she could not promise the debt would be removed from my credit unless I paid the full {$1300.00}. I told her again I could not pay that much, but maybe could pay half of {$1000.00}, and asked again for a letter with the details, and if I would receive a receipt if I paid half today but she could not because there would be remaining balance. She was very short with me and seemed to want to rush me to choose XXXX of the XXXX options, but I did not feel comfortable since I still did not know if this was a real debt. I asked to talk to a supervisor. I was transferred to XXXX. At first, the conversation was okay, but I could tell he was not listening. I could hear him typing, and every time I asked a question, he would just repeat it back to me. XXXX repeated what XXXX said : my XXXX choices were to pay the full amount or set up a payment plan for the lower amount. I asked XXXX if he could give me a letter explaining the debt and if paying half of {$1000.00} would be reported to my credit. XXXX said he did not know when they report to credit, but he could take half the payment over the phone. I asked if I would get a receipt and he said, " No, you will not get a receipt until the amount is paid off. '' So there would be no proof my payment was even going to a debt I might owe. I asked if they would take this amount off my account on the website so I would know the money went to my account. He said, " I am not sure if it would be applied to your account, I'm not sure how the website works but once the balance is paid in full a letter will be emailed to you. '' I told him I did not feel comfortable and he seemed too busy to help me. He stopped typing and asked why. I told him I could hear him typing and could tell he was trying to do other things at the same time because of his slow answers or repeating my questions. I told XXXX again I never got anything in the mail from this debt collector, so I was not sure if it was real. I asked for proof of the charges and what I needed to pay. He said he would give me 20 % off the debt and a letter would be sent once it was paid in full. He still could not give me a letter about the debt. I ended the call with XXXX, telling him I did not feel comfortable and would call back another time. XXXX warned me they would not give me the same discount if I did not agree to pay today and I said I understood. Our call ended at XXXX and at XXXX, I got a message from XXXX saying " IQ DATA XXXX XXXX has XXXX your account as Unpaid. '' This was XXXX minutes after I ended the call with XXXX at IQ DATA XXXX XXXX. Please note they put this collection on my account on XX/XX/year>. This company clearly flagged my account because I did not pay them over the phone today. It has only been XXXX  days. Is this legal? I want to file a complaint with this company. This is not okay and goes against The Fair Credit Reporting Act. I also want to mention my first call when she hung up on me was XX/XX/year> at XXXX. The call lasted XXXX minutes. The second time we spoke was XX/XX/year> at XXXX. The whole call lasted XXXX minutes but I am not sure how long I was on the phone with XXXX XXXX the second time because I was later sent to a supervisor. All of their phone calls are recorded. Please see attachments for reference

Company response to consumer: Closed with explanation