Date Received: 2018-02-05T00:00:00
Product: Other debt
Issue: Took or threatened to take negative or legal action
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I called this collection company on XX/XX/18 at XXXX XXXX. I first spoke to a XXXX who said they were unwilling to accept payments from me unless it was one payment for the total amount owed. Once I said I couldn’t do that, he transferred me to their legal depart. XXXX got on the phone and said since I am not cooperating, by not paying the full amount up front, that my account is now on hold for legal review. I asked him to explain what that meant and he wouldn’t. He kept repeating its in review for legal. I asked to speak to his supervisor. He transferred me to XXXX XXXX who as well began threating legal action. I asked her what type of legal action and her response was, ” you don’t pay me nor are you my boss, I don’t need to answer that question. ” I kindly asked her again, what are their policy and procedures to collect a debt and she again said she isn’t my attorney and refused to answer. I asked her if I could please start sending payments and she said no, they would only accept the amount in full and if not there would be legal implications. Again, I asked what type of legal implications and she refused to answer.
Company: I.Q. DATA INTERNATIONAL, INC.
State/Zip: CA 910XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2804235
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.