Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
I am submitting a follow-up complaint regarding an unresolved and improperly collected debt by Qualia Collection Services ( QCS ), originating from charges assessed by XXXXXXXX XXXX XXXXXXXX for a property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. 

In response to my prior CFPB complaint submitted on XX/XX/XXXX, QCS stated that the account was resolved and asserted that verification of the debt had already been sent. In my original complaint, I explained that the documentation I received from QCS and XXXX XXXX XXXX described the balance as a move-out charge. In its CFPB response, QCS contradicted this documentation by stating instead that the balance consisted of multiple application fees. 

Because of this clear inconsistency, I waited for QCS to provide the detailed account statement reflecting the individual charges that they explicitly promised in their CFPB response. Despite waiting more than 20 days ( including allowance for mail delays due to XXXX ), I have not received any such statement, itemization, or lawful verification of the debt. 

Due to QCSs failure to provide the promised documentation, I am submitting this follow-up complaint. 

To summarize the underlying issue : I received notice of a {$320.00} debt being collected by QCS and paid the balance promptly out of concern for potential negative credit reporting. After payment, I sought clarification regarding the origin of the debt, as I had never been provided sufficient written verification explaining why I owed {$320.00}. 

In early XXXX, I submitted an apartment application on behalf of myself and my roommates for a unit managed by XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Shortly thereafter, the specific unit we applied for was taken off the market. I contacted the leasing agent to cancel our application and request a refund of the {$40.00} application fee. I received no confirmation that the application was canceled and no refund for my application fee was issued. 

I never signed a lease, moved into, or occupied the property at any time. 

Despite this, XXXX XXXX XXXX added a {$320.00} charge to my balance, which was ultimately sent to QCS for collection. Prior documentation labeled this charge as a move-out fee, which is factually impossible given that I was never a tenant. QCSs later claim that the balance represented multiple application fees directly contradicts that documentation and has never been supported with evidence or itemization. 

California law strictly limits application fees, and the total amount collected has never been justified with lawful documentation. I paid the debt under fear of credit reporting, yet QCS has still failed to provide sufficient written verification of the debt, despite explicitly stating to the CFPB that such documentation would be provided. 

I am requesting that this matter be reviewed further and that QCS be required to provide lawful verification or issue a refund for the improperly collected amount.

Company response to consumer: Closed with explanation