Debt collection -- Took or threatened to take negative or legal action -- Complaint #16064336
Complaint Overview
Complaint ID: 16064336
Company: T.S. Holdings
Product: Debt collection
Sub-Product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to arrest you or take you to jail if you do not pay
State: South Carolina
ZIP Code: 294XX
Date Received: 2025-09-19T12:00:00-05:00
Date Sent to Company: 2025-09-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/year>, I received a call from a representative of IQ Data International, who stated that I allegedly owed approximately {$1900.00} to an apartment complex I had vacated a year earlier. I requested written validation of the debt, but the caller abruptly hung up. The next day, at about XXXX XXXX., another representative contacted me and again demanded payment of the {$1900.00}. I explained that I was at work, reiterated that I needed proper validation before making any payment, and said I would return the call after my shift. She warned that if I failed to call back before the end of the day I would need a lawyer. When I replied that I would consult one, she argued that if I could afford an attorney I should pay [ my ] bills instead. I ended the call. Later that evening, I phoned IQ Data International again. For over an hour I spoke with the same woman, who said she could send a debt-validation notice but that it would take a long time. She then stated that she knew where I worked and that I would be sorry, before hanging up. I called back and asked to speak with someone else. A male representative explained the validation process but ended his explanation with the phrase, You feel me, bro, which I found inappropriate and unprofessional. When I expressed that, as an XXXX XXXX, I found the remark offensive, he responded, You dont want to go that route, buddy. He added that the company does not offer payment arrangements and suggested I borrow the money or do whatever [ I ] have to to pay the debt. He then said he would place [ me ] in timeout and put me on hold.
Frequently Asked Questions
What is Complaint #16064336 about?
Complaint #16064336 was filed against T.S. Holdings regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-09-19T12:00:00-05:00.
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.