Consumer complaint received 2025-03-12 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: UT

Complaint narrative:
XXXX. Background Lease Dispute Leading to Collections - On XX/XX/year>, my father, XXXX XXXX, vacated XXXX XXXX  ( Managed by XXXX XXXX ) in XXXX, Utah after complying with a Three-Day Notice to Vacate. 
- After the move-out, we both received a letter from XXXX XXXX about a balance owed for breaking the lease. The property manager ( XXXX XXXX ) informed us that the {$12000.00} balance for breaking the lease was not final and that adjustments would be made if the apartment was re-rented. 
- Despite this, XXXX weeks later XX/XX/year>, we both received a letter from XXXX XXXX stating that the full {$12000.00} balance was sent to collections. 
- This was done without providing a final balance statement and before exhausting mitigation efforts, which is a violation of Utah law ( Utah Code 78B-6-816 ).

2. Violations of the Servicemembers Civil Relief Act ( SCRA ) - I am XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- I am a guarantor on my fathers lease, and as such, I am legally protected under the Servicemembers Civil Relief Act ( 50 U.S.C. 3913 ), because I have official XXXX XXXX orders which act the same as XXXX or XXXX orders. 
- On XX/XX/year>, I contacted XXXX XXXX and spoke with a representative ( Female, Refused to Transfer to a Supervisor ). 
- I informed the representative that I was a XXXX XXXX and that under federal law, guarantors are protected under SCRA.

- The representative falsely claimed that the SCRA does not apply to me as a guarantor and refused to acknowledge my rights. 
- When I requested escalation to a supervisor, the representative instead transferred me to a voicemail box that I could " Yell into. '' I was yelling because she kept talking over me and saying we owe and we're going to pay and they're going to put it on our credit reports and also saying I don't know what i'm talking about. 
- IQD Internationals refusal to recognize my legal protections under SCRA is a violation of federal law and has caused undue harm. 


XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX having an improper collection action against me could negatively impact my security clearance. 
- The inaccurate debt collection attempt and failure to acknowledge my SCRA rights create undue financial hardship. 
- The stress from this situation is also affecting my father, XXXX XXXX, who is elderly and on a fixed income. 


4. Requested Actions 1. IQD International must acknowledge that 50 U.S.C. 3913 applies to me as a guarantor under SCRA.

2. IQD International must immediately cease all collection activity and remove any negative credit reporting related to this collection.

3. IQD International must provide written confirmation that this debt has been recalled and no further action will be taken until things are worked out by XXXX XXXX XXXX. 
4. IQD International must review its policies and provide training to its employees to prevent future violations of SCRA rights. 
XXXX. An official apology from IQD for their behavior on the phone. I might even be inclined to apologize for cursing if this happens ( I doubt it will with the way I was treated and talked down to ).

Company response to consumer: Closed with explanation