Consumer complaint received 2026-02-05 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: MD

Complaint narrative:
In XXXX  I applied for an apartment with XXXX XXXX. An application fee of approximately {$250.00} was charged to my debit card. I did not move into this apartment and the situation was connected to a protection order and personal safety circumstances. Despite this, the fee was later sent to collections through IQ Data XXXX. 

I dispute owing this debt. I have repeatedly asked for validation of the debt, including why the charge appears only on my credit and not the coapplicants, and for verification of the signatures associated with the application. The signature they provided does not appear consistent with prior signatures and I questioned its validity. My requests for clarification were not answered.

When I contacted IQ Data by phone, the representative spoke to me in a hostile and dismissive manner. She repeatedly told me I was responsible no matter what, accused me of fraudulent behavior, and claimed I initiated a bank chargeback, which is not true. I did not request a chargeback. I provided my debit card at the time of application and did not dispute the transaction through my bank.

I also informed them that this situation involved a protection order and personal safety concerns, but this context was ignored. Instead of addressing my questions, the representative raised her voice and threatened legal consequences. This interaction caused significant distress.

I am requesting : Proper written validation of the debt Verification of the signatures and documentation used XXXX into the collection practices and communication conduct Removal of this debt from my credit report if it can not be properly validated I believe the collection efforts are unfair and not properly supported by documentation.

I am filing this complaint regarding a disputed debt associated with an apartment complex called XXXX  ( managed by XXXX XXXX  ), located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX.

On XX/XX/year>, I signed an application to live at this property. However : I never moved in.

I never signed a lease.

I never received confirmation of approval.

The fee in question was never clearly disclosed as nonrefundable or legally binding in the absence of a lease.

Despite this, the property has sent the debt to collections and continues to claim I owe a balance for an application fee, despite zero tenancy or services rendered.

I am attaching two copies of the application signature page : My copy is digitally signed with a timestamp, email address, and IP address.

Their version appears manually altered, with inconsistent handwriting, no metadata, and a manager signature added later without my knowledge or consent.

I believe this constitutes unfair and potentially deceptive collection practices, as the debt : Was never agreed upon in full transparency, Was not supported by verified, consistent documentation, And has not been validated properly despite my repeated requests.

I have exhausted my attempts to resolve this directly with the property and am now seeking relief through CFPB. I request that this debt be : 1. Removed from my record and any credit reporting systems, 2. Investigated for documentation inconsistencies and improper submission, 3. Flagged to prevent future attempts to collect based on altered or incomplete forms.

Company response to consumer: Closed with explanation