Debt collection -- Communication tactics -- Complaint #10943002
Complaint Overview
Complaint ID: 10943002
Company: T.S. Holdings
Product: Debt collection
Sub-Product: Rental debt
Issue: Communication tactics
Sub-Issue: Used obscene, profane, or other abusive language
State: Puerto Rico
ZIP Code: 009XX
Date Received: 2024-11-26T12:00:00-05:00
Date Sent to Company: 2024-11-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On tuesday, XX/XX/year> I wanted to manage my debt and fix my credit and started the day contacting every company and services I owe money to, to be able to set payment plans. I looked at my credit report to get the right information and found I owed around XXXX dollars to an IQ data intl. I promptly called them at XXXX XXXX XXXX XXXX. I got in touch with IQ Data representative, XXXX XXXX XXXX, who was very polite at first and ran my debit card to make a {$100.00} initial payment and set up a payment plan. Unfortunately, XXXX XXXX said she couldnt run the card because it was flagged with Fraudelent activity or Suspicious activity, or something along those lines. She then told me to contact my bank immediately and I did. A representative from my bank gathered all my bank info and confirmed there was no flagged activity, but it dis show a declined transaction flag for giving an incorrect input for the expiry date or security code from the debit card. The bank representative then said everything should be fine and to ask XXXX XXXX or an IQ data rep to try again. I called again at around XXXX and this time i got connected to XXXX XXXX XXXX by a very polite rep called XXXX XXXX I began to suspect foul play when she didnt ask for my card information again, as i didn't feel comfortable with her keeping my card information saved. I ignored it but gave her the card info again. When i gave her the expiry date again, she said : " Oh, so its ( correct expiry date ) Now? Ok '' in a very stand offish manner. I confirmed the card numbers again and When she ran the card it declined again and showed it as suspicious activity again. I was frustrated but understood these things happen. I asked her if there where other ways to pay, but she said they only take debit or credit. I then asked her if it was possible to talk to a different representative. This triggered XXXX XXXX as she started berating me and telling me " it isnt her fault my card didnt clear '' and " its not my fault you can't clear a {$100.00} dollars '' I told her i wasnt blaming her i just wanted to talk to someone else. She then said she was the only rep for my case i couldnt do anything about it. I then asked for a supervisor and she said she was the supervisor and she couldn't do anything and to call my bank again, said good bye and hung up on me, before I could ask her more questions. I was incredibly upset at the gross manner i was treated. I called again and rep XXXX XXXX, and i vented on him all the things that transpired. He told me there where only XXXX people in the office so no one else could handle my case other than XXXX XXXX. He connected me with a voice mail phone # for an " XXXX '' where i left a voice mail detailing the way XXXX XXXX spoke to me. I then looked up XXXX XXXX online and found countless complaint about XXXX XXXX 's treatment to customers, including fraudulent charges made from Iq data to their bank accounts. I immediately called Iq data back to request my card info be deleted from their systems. A rep called XXXX answered but promptly transfered me to XXXX XXXX without my consent and I told her to please pull all of my information off. XXXX said she didn't care about my payments and it wasnt her fault i couldnt afford {$100.00} to clear, and hung up. I called once more and got connected to XXXX XXXX again, and she asked me " WHAT DO YOU WANT? '' I tried to defuse rhe situation and tried to find middle ground with XXXX XXXX but she continued to be incredibly rude, but told me the pnly way to pay is to contact my bank again. I contacted my bank and they confirmed there was no fraudulent flags whatsoever. I decided to not call IQ again and requested a new card to replace the one on Iq data 's file. I will not continue contacting IQ data even though i am willing to set up a payment plan. I believe XXXX XXXX ran my card number wrong and became frustrated when I told her to try again.
Frequently Asked Questions
What is Complaint #10943002 about?
Complaint #10943002 was filed against T.S. Holdings regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2024-11-26T12:00:00-05:00.
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.