Debt collection -- Attempts to collect debt not owed -- Complaint #10872662
Complaint Overview
Complaint ID: 10872662
Company: T.S. Holdings
Product: Debt collection
Sub-Product: Rental debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New York
ZIP Code: 11416
Date Received: 2024-11-18T12:00:00-05:00
Date Sent to Company: 2024-11-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I called the collection agency after being notified by all three credit bureaus that a collection debt was placed on my credit reports. Spoke to someone in regard to the validation of the debt owed. Once they told me over the phone what it was for, I explained to them that the debt wasn't mine but my daughter in law. they claimed that it was mine because I cosigned for her. At this point the individual became irate and belligerent, used foul language and told me they would sue me for the amount. I ask them to send me a copy of the paperwork, but they refused and hung up. I contacted the rental company, they explained to me that my daughter in law stayed past the lease end date, and that an agreement was made between her and the leasing manager. I explained to them that my legal liability ended with lease termination date. That never resided at the dwelling which in is in Georgia. No such agreements were made between I and the leasing company, and such communications with me as to what was going on in the rental property. The company continues to add interest every week on such debt. I called the collection agency after being notified by all three credit bureaus that a collection debt was placed on my credit reports. Spoke to someone in regard to the validation of the debt owed. Once they told me over the phone what it was for, I explained to them that the debt wasn't mine but my daughter in law. they claimed that it was mine because I cosigned for her. At this point the individual became irate and belligerent, used foul language and told me they would sue me for the amount. I ask them to send me a copy of the paperwork, but they refused and hung up. I contacted the rental company, they explained to me that my daughter in law stayed past the lease end date, and that an agreement was made between her and the leasing manager. I explained to them that my legal liability ended with lease termination date. That never resided at the dwelling which in is in Georgia. No such agreements were made between I and the leasing company, and such communications with me as to what was going on in the rental property. The company continues to add interest every week on the debt.
Frequently Asked Questions
What is Complaint #10872662 about?
Complaint #10872662 was filed against T.S. Holdings regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-11-18T12:00:00-05:00.
How did T.S. Holdings respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against T.S. Holdings?
Yes, visit the T.S. Holdings company profile at readthecomplaint.com/company/t-s-holdings to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.