CFPB Complaint


Consumer Complaint Submission

Date Received: 2018-06-09T00:00:00

Product: Other debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: my name is XXXX XXXX. I leaved in XXXXXXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. For several months, i kept asking them to move me from my apartment to another apartment and they refused. three months before the expiration of my lease, they employed a new manager and she was ready to listen to me. she promised to take care of it. a month before the expiration of my lease, I got a letter from the apartment telling me that if i want to change apartment, that it is going to cost me {$300.00}. i refused the offer and told the manager that i don’t such amount to spare, she told to hold that she will get back to them and that she will take care of it. Also, we talked about my lease expiring and that I don’t want to stay and pay month to month, she told me don’t worry about it, pay what you usually pay and i will resolve this issue. i waited for 2 months. i was paying my rent and do not owe this people, i got tried of waiting and I left in XX/XX/XXXX and moved into another apartment. I stayed in my new apartment for year and they were asking that we buy instead of renting. i did not have that amount of money to buy. I started looking for a new apartment. When I found one, they refused to rent to me. They told me that i have a debt on my credit to settle. I was shocked because I was never contacted by this apartment that I owe them.No written letter was sent out to me. I have been trying to resolve this since XX/XX/XXXX to no avail. few months later inXX/XX/XXXX, debt collector company called IQ DATA started to contact me. I explained to them that i do not owe this money but they kept calling. all this time, i could not rent i was renting from friends, I am a XXXX XXXX and i have been traveling for the past 2 years. and this is affecting everything I do.

READ  CL HOLDINGS LLC - CFPB Complaint 2018-12-21

I got tired of trying to rent and getting a no everytime, So, last week, i decided to contact the debt collector and see if i could reach an agreement with them. we concluded at a 40 % off {$1800.00}, the final agreed sum was {$1100.00}, On the XX/XX/XXXX, i called to say that I have agreed to the sum and they promised to email me a satisfactory letter stating that the debt has been paid off and that they were going to delete it off my credit, I gave them my account information, and also told the lady that this is my spending account and that i will go get the money pay it in and that they can go ahead and withdraw. she told me that as soon as they receive payment, she will email me the letter. as soon as I paid the money into my account, I called the representative and someone else picked up and said to call back in 10 mins. I called back and i was told to call back in another 10 mins. I told the lady that picked up the call the second time that i have talking to the rep all morning and now she is no longer available? tand that this is the second 10 mins. The lady said to me that nobody told me to call back in 10 mins and banged the phone on me. i became flustered and and worried. I immediately called my bank and blocked the card. So [ called a third time to inform them that I had blocked the card and that they are not going to be able to process payment..
I called friends to seek advice. i was told to get the agreement in writing before I pay them. So I called IQ DATA requesting for an email detailing our agreement. They sent me three emails. The first email had my address wrong, I called them to fix it and it was a problem. They finally agreed to fix it and they made another mistake on the address. I called them again. the third time they sent me another email with typos and at this point, i was fed up. i did not trust them anymore. now it started to become clear to me that maybe this people are fraudsters. I completely refused to continue with the conversation. And they threatened me that if they don’t receive payment before midnight, that the offer is off the table. i did not bulge. I don’t trust them.

READ  Harvard Collections, LLC - CFPB Complaint ID 2510187


State/Zip: TN 372XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2931401

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.

About the author

Research Department

Here is where you will find important stories located from around the web which can impact you and your financial life.

Scroll to Top