CFPB Complaint

I.Q. DATA INTERNATIONAL, INC. – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-09-12T00:00:00

Product: Mortgage debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I received an call yesterday from XXXX with IQ Data collection agency. He called from the phone # XXXX at XXXX XXXX. He advised that his supervisor ‘s name was XXXX XXXX. He said that he was calling about the balance that I owed my prior apartment complex and gave the amount due. No where is this call did he read the collection agency mini Miranda statement which is Sec 807 ( 11 ). So with that being said he already violated the law. He then went on to say that I need to pay this debt this month. I advised that I can make a payment but I’m unable to make the payment in full. He this says that this needs to be paid in full this month or they will move forward. I asked what did he mean by that and he says that they will put on my credit report. I said ok I will just make payments until it paid in full. XXXX says that will not help and I say why because if I’m paying that should bring it down. He said because we will move forward I said with what. He then demanded that this be paid in full by the end on the month are they will move forward. I said that you have not answered my question he said I don’t need to answer your question. I asked to speak with his supervisor. XXXX XXXX gets on the phone and I explain to him like I did to XXXX that I want to pay the debit but I’m unable to pay in full I only make monthly payments. He then says that he can give me the address to make payment then turns around and say that I’m unable to make payments and that this is a property debt and if it not paid that they will mark the account and refusal to pay and they will move forward. He also stated that I need to get the money someone or get an loan and make payments to them. He also told me to get an lawyer. I asked why would I need a lawyer to pay an debt. He said that it because it a property debt and he not an lawyer and not able to give advise. I told him that it is illegal to threating someone over debt to be paid and I was going to report it and he said to go ahead. I never received a letter to validate the debt and they refuse to give me 30 days to pay the debt.

READ  PORTFOLIO RECOVERY ASSOCIATES INC - CFPB Complaint

Company: I.Q. DATA INTERNATIONAL, INC.

State/Zip: NC 282XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3016835

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
%d bloggers like this: