Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: AZ

Complaint narrative:
I contacted XXXX XXXX to resolve a debit that had been sold to them. I gave truthful information and set up a payment plan with them that included XXXX payments a month, for XXXX XXXX. I set this up XXXX. The first payment was set for autopay on XX/XX/XXXX. I asked before confirming that payment arrangement, what should I do if XXXX not able to fulfill the payment arrangement. The agent ( XXXX ) told me to call before midnight XX/XX/XXXX, and theyll be able to stop the payment. I called XX/XX/XXXX to cancel the payment arrangement. I had an emergency in my household that required immediate attention financially and was no longer able to fulfill the payment arrangement. XXXX gave a lot of push back, threatening me with escalation. I asked her multiple times what escalation entailed. She refused to give a straight answer. XXXX pushed back further. I mentioned clearly, I want this arrangement cancelled. I kept asking what escalation meant since it kept being threatened and she transferred me to her XXXX. Her XXXX ( failed to get his name ) was EXTREMELY rude! He yet again threatened escalation but refused to explain what that means. He told me he will make it his personal duty to make sure this gets escalated to the fullest extent, again, failing to explain what that means. I reiterated to him. I am unable to fulfill the payment arrangement and would like it canceled. He gave pushback and threats again. I told him explicitly, you do not have permission to charge my card! He ended up hanging up on me. I called XXXX back and informed her that her XXXX was extremely rude and that I would like the payment arrangement cancelled and I would not like to be contacted further. After clearly stating I would not like to be contacted, I received XXXX calls on XX/XX/XXXX and XXXX calls on XX/XX/XXXX. When the time came, for the first payment on XX/XX/XXXX, it was declined. I did not know they attempted this charged, since I had my card locked. When XX/XX/XXXX came around, the payment was successful since the card was not locked. ( I did not see the failed attempts to collect payment on XX/XX/XXXX until the payment on XX/XX/XXXX succeeded ) I called XXXX XX/XX/XXXX to get an explanation as to why a charge came out when I called and cancelled the arrangement. She lied and said I never asked to cancel it. I stated that I did and to check the notes. She mentioned everything about our previous conversation like the XXXX being rude and me asking them not to contact me, but somehow she did not see any notes about me cancelling the arrangement. I told her that is false and to listen to the call on the recorded line to jog her memory. She tried to stick with the lie but I was not letting up. I know what I said, and I know I canceled it. She put me on hold for several minutes and returned to the line. She said, Well you owe this debit and I mentioned again, you guys were not authorized to charge my card. I also did NOT sign the documentation for the payment arrangement. She said she didnt need the signature, that my permission on the recorded line was enough. I said if my permission on the recorded line was valid, why wasnt the cancellation? Once again, hung up on. I called her back and waited on hold for several minutes. She did not come to the line, she sent me to her managers voicemail. I, in good faith, wanted to settle this debt even though it was the incorrect amount. When I couldnt fulfill the arrangement, I said I will call back when I am able to settle it in whole. I then experienced threats, getting hung up on, lies, disrespect, and being disregarded. This has been a nightmare and I regret ever contacting them. Beware if XXXX XXXX contacts you. They will steal your money, then ignore you!

Company response to consumer: Closed with explanation