Debt collection -- Attempts to collect debt not owed -- Complaint #18712081
Complaint Overview
Complaint ID: 18712081
Company: T.S. Holdings
Product: Debt collection
Sub-Product: Rental debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Colorado
ZIP Code: 800XX
Date Received: 2025-11-20T12:00:00-05:00
Date Sent to Company: 2026-01-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
The property management company for XXXX XXXX XXXX ( managed by XXXX XXXX XXXX XXXX XXXX ) sent an incorrect rental balance to a third-party debt collector, XXXX XXXX XXXX XXXX XXXX though the alleged debt is not owed. My six-month fixed-term lease ended on XX/XX/year>, and under Colorado law ( C.R.S . 13-40-107 ( 4 ) ), no notice is required for a lease ending on a fixed date. Despite this, I contacted the property manager multiple timesincluding on XXXX XXXX request the correct prorated rent amount for XXXX, since I knew I would be vacating on the contractual end date. They did not respond or provide the prorated amount. On XX/XX/year>, I sent a certified letter to XXXX XXXX along with a {$2000.00} cashiers check covering all prorated rent and utilities through XX/XX/XXXX. Management deposited the check on XX/XX/XXXX, confirming full payment. Despite this, XXXX XXXX added improper charges, failed to provide any itemized statement, did not return my {$750.00} security deposit as required by Colorado law , and sent a false balance of {$610.00} to IQ Data International . On XX/XX/year>, IQ Data International called attempting to collect this debt. I requested verification and an itemized explanation, but none has been provided. The debt is based on inaccurate and unlawful charges. This incorrect collection activity has caused stress, administrative burden, and concern about potential credit impacts. I am requesting that the collection effort stop, that the debt be removed, and that all records reflect that my account is paid in full.
Frequently Asked Questions
What is Complaint #18712081 about?
Complaint #18712081 was filed against T.S. Holdings regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-20T12:00:00-05:00.
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.