Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NJ

Complaint narrative:
I am filing a complaint regarding unprofessional and inappropriate conduct by representatives of XXXX XXXX XXXX. This issue originated from a small balance remaining from a previous apartment in XXXX, NJ after moving out. I was not contacted or notified directly by the apartment management before the account was referred to collections. Until this incident, I have not had any outstanding debts. The company initially contacted my spouse. During that call, my spouse explained that she was taking care of our baby and did not have access to a credit card at that moment. The representative responded in an aggressive and inappropriate manner, instructing her to go to the car and retrieve the card. When my spouse requested to be called back on Friday, she was told that she must pay immediately or the account would be marked as a refusal. Feeling pressured and uncomfortable, she ended the call. Later that same day, on XX/XX/XXXX ( at XXXX pm ), I was called while I was teaching at the university and was unable to answer. The phone number used appeared similar to known scam or spam numbers and was flagged as spam by XXXX. When I eventually answered, I was again pressured to provide my credit card information over the phone in an aggressive manner. On XX/XX/XXXX, I explained that I preferred alternative payment methods, such as paying through an official website or written communication, as I advise my own students in cybersecurity courses not to share sensitive financial information over the phone, especially when the number appears suspicious. Despite this, the representative, XXXX, continued to behave aggressively and insisted on immediate payment. She repeatedly stated that she would mark my account as refusal and ultimately hung up on me. During this interaction, when I raised concerns about sharing sensitive financial information over the phone, XXXX stated that they already had my Social Security number and questioned why I was concerned about security. I found this statement highly inappropriate and concerning, as it appeared to dismiss legitimate consumer security concerns and added further pressure to disclose financial information. On XX/XX/XXXX ( morning ), I contacted the company using their official phone number to verify the situation and to file a complaint. The person who answered the phone identified herself as XXXX and confirmed that she was the one who had called me the previous day. When I informed her that I wanted to file a complaint about her behavior, she initially refused, then stated that her manager was not available, and declined to escalate the issue. She then transferred me to another representative ( male, name unknown ). During this call, I was again subjected to pressure to provide my credit card information immediately. When I stated that such behavior was not appropriate and could be inconsistent with consumer protection standards, the representative told me to go talk to your therapist, which I consider highly inappropriate and unprofessional. He continued to insist that my account would be marked as refusal. I then ended the call. I later made a payment of {$280.00} through the official online portal provided in their letter and received confirmation. After making the payment, I called again to verify. During that interaction, when XXXX was informed that I had completed the payment online, she began speaking in an even more aggressive manner. She stated that their website was not reliable and claimed that the payment had not been received, while continuing to pressure and threaten me. She then abruptly ended the call. This was particularly concerning because the payment had already been processed and the funds had been deducted from my account. The online payment option was explicitly provided in the official letter sent to me by the company, and any internal delay or issue in reflecting the payment should not be used to intimidate or pressure a consumer. I am requesting that this behavior be reviewed and that appropriate action be taken to ensure professional conduct in future communications.

Company response to consumer: Closed with explanation