Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NV

Complaint narrative:
I am filing a complaint against IQ Data International for egregious violations of the FDCPA, including consumer intimidation, false and misleading representations regarding debt ownership, and deceptive statements regarding state laws to force immediate payment. I am currently XXXX weeks pregnant and the extreme aggression from this agency caused severe emotional distress and drove me to tears. I called IQ Data International XX/XX/XXXX and spoke with XXXX, she was very nice throughout the conversation, but at the end became slightly pushy and wouldnt negotiate anything with me and wouldnt understand that I didnt have the money that day and wouldnt for two weeks and couldnt give my card information. The conversation was going nowhere and we were both getting annoyed so I hung up on her and I was getting very stressed because Im also XXXX weeks pregnant and I had informed her of that. She then labeled my account as non-negotiable for any future communication because I hung up on her. I called back today, XX/XX/XXXX, because I had more information on when I would receive funds and wanted to try to negotiate the debt down to the original amount of {$940.00}, {$73.00} less than the balance theyve reported. I asked to talk to someone else because I felt another conversation with her might get a little heated. She transferred me to XXXX, and he claimed he was a supervisor or senior debt collector, I do not remember the verbiage. He was extremely aggressive and told me due to the nature of my account, it was in a non negotiable status and all I wanted was to try to remove the interest accrued and talk about when I could pay the debt they claim I owe. He kept talking over me and wouldnt let me speak, and kept telling me that if I couldnt pay right then, then I would no longer be eligible for pay for delete. I told him he didnt need to be so aggressive and that he was stressing me out. I did use two swear words in the conversation because again, XXXX XXXX weeks pregnant and his tone was very aggressive and he wouldnt let me speak. I told him I would call my original creditor and talk to them and aggressively told me that IQ owned the debt and my original creditor wouldnt be able to take the debt back and IQ already talked to them about my Account and they wouldnt accept less and that the state of Nevada prevents them from removing interest accrued so I needed to pay right then or my options would go away. He then told me that my option for pay to delete had been revoked and would not be available again and hung up on me as I was crying on the phone from his aggression and intimidation. I called back and got XXXX again, and I decided to stay on the line with her even though I was still crying and in distress from the conversation from XXXX. The conversation with XXXX was pleasant and she was somehow able to offer the pay to delete for me for a future date that XXXX had claimed was revoked, but still wouldnt negotiate due to the nature of my account because I hung up on her. Which seems silly and childish because they hung up on me but I cant hang up on them without repercussions? After we came to somewhat of an agreement, the call was ended amicably. I then called my original creditor, since IQ claims they dont own the debt from their response to the last complaint I submitted, but XXXX said they did own it while on a recorded call, so I wanted to clarify. Upon calling my original creditor, they confirmed that they have not talked to anyone from IQ about my account since they sent the revised amount owed to them in XXXX of XXXX and the property manager ( XXXX XXXX said they sent the debt to IQ, but she would also send an email to their rep they deal with and try to negotiate it down to the original amount for me because she was unaware of any interest being accrued. So that interaction with my original creditor invalidates the claim that IQ says they dont own my debt as their response to my first CFPB complaint. And it also confirms XXXX was intimidating me, lying about speaking to someone at my original creditor and being extremely aggressive and making a pregnant woman cry just to get my payment. I have included the documents from my original creditors lawyers with the revised statement that doesnt say anything about accruing interest.

Company response to consumer: Closed with explanation