Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
XX/XX/XXXX : The initial caller identified himself as XXXX. He declared as the guarantor on an apartment lease I had been sent to collections for {$9700.00} owed to XXXX 's XXXX  on behalf of my daughter. I inquired how I could get information about the supposed debt in writing. He told me I could request it, but had to pay the amount owed immediately. He suggested if I should pay the debt with a credit card or by taking out a loan. I asked him to clarify whether he was telling me to incur debt with another entity in order to pay the amount being requested by XXXX XXXX. He said it was up to me. He told me if I didn't pay immediately, the debt would be reflected on my credit report and would not be removed for XXXX to 10 years even if it was determined I did not actually owe XXXX 's XXXX  or XXXX Data. I asked again how I could get written information about the debt in question. XXXX told me I could give him an address to mail information. I began to give my mailing address when he abruptly put me on hold with no explanation. Unsure why I was on hold, I stayed on the line. 

I was on hold close to XXXX minutes. 

Next, XXXX XXXX, a senior representative came on the line. He gave me his name, but did not initially disclose that he was a senior representative to him the call had been escalated by XXXX. When asked why I was put on hold and transferred to him he said it was because XXXX had determined the claim was at risk of not being paid. I informed XXXX that I had at no point blatantly refused payment ; I had requested information on how I could a written, itemized explanation of the debt in question. XXXX responded that I could request information in writing only AFTER I made payment, I could only get a reference number for my case AFTER I made payment, and that failure to make payment while on the phone with him would result in a negative impact to my credit score that would stay on record for XXXX to XXXX years even if it was determined the debt had not been owed. I told him his tactics were very threatening. He responded that the only action that would not result in an immediate and negative impact on my credit would be to make payment while on the phone with him. After I made payment he could give me a case number so that I could request further information in writing. I asked who would return the money - XXXX  XXXX or XXXX 's XXXX- once it was determined that this debt was not owed. He was evasive. He said I could make the payment " under protest, '' which meant I did not admit to responsibility for the debt owed, that I did not agree it was owed. I asked how I could be sure that he'd apply the payment " under protest '' without any written proof. Again, I was told I could request information, in writing, only after I made payment. 

I made payment. 

I was given the address of XXXX XXXX  XXXX, XXXX, WA XXXX as well as an account number and approval number. 

The same day I received the call from XXXX XXXX ( XX/XX/year> ) a letter was posted to my daughter attempting to collect the same date. Clearly, there was no way she could have received a letter dated for the same day I received the phone call, meaning XXXX XXXX did not allow any time for first contact to be established, the debt to be researched, or the debt to be disputed. 

Neither XXXX nor XXXX gave me information about disputing the debt - voluntarily or when I asked. I was not informed that I was allowed until XX/XX/year> to call or right XXXX XXXX  to dispute all or part of the debt. I was not informed of payment options out side of immediate payment over the phone by credit card. I was not directed to CFPB to learn more about my rights under federal law.

Company response to consumer: Closed with explanation