Date Received: 2019-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: We dropped XXXX as our mobile provider in late XX/XX/2019. (XXXX account XXXX, I.C. System Ref. No: XXXX.) We returned all 5 leased phones, all of which XXXX acknowledges receiving. The 3rd from last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX, prior to their receipt of the 5 phones. The 2nd from last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX with a credit of $XXXX, apparently for the returned phones. The last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX.I also received a check from XXXX, dated XX/XX/2019, for $XXXX which is apparently the reconciliation of the above amounts. I have participated in several chats with XXXX (for which I have transcripts) trying in vain to get an explanation for several hundred dollars in charges. On XX/XX/2019, I received an email from XXXX demanding immediate payment of $XXXX, this despite the last bill above stating "This is your final bill for wireless services" with a balance of $XXXX (copy attached). The XXXX email included:It's important that you resolve this immediately to prevent further collection action that may include:• Your account being sent to an outside collection agency.• Your account classified as "bad debt" with XXXX if the account remains unpaid at the collection agency.• Your account reported to the three national credit bureaus as past due.One more chat with XXXX (XX/XX/2019) to inquire about this includes the following:XXXX XXXX. : As I check here that this charge of $XXXX on your account was your previous payment on XX/XX/XXXX that has been refunded on you back on your account .I verified that XXXX did indeed credit our Mastercard with that amount on XX/XX/2019. (The difference is presumably charging me interest which extrapolates to about 10.8%.) I immediately asked: "Why was this done and why was I not informed?" However, no explanation was provided. I was transferred to XXXX "finance team", but the only explanation I received was:XXXX : I do want to assist you with your concern. However, upon checking, there is a specific department handling the account. All payment or financial related concerns of this account must be handled by that dedicated team. It will be best if you contact them for assistance. You can reach them by calling this number XXXX to have your concern resolved at your satisfaction.You : Can I chat with them? I would like a record, please.XXXX : I am sorry but they do not operate via chat; over the phones only.You : And you can explain none of this?XXXX : I am really sorry; please do not feel that I am refusing to assist you because I will if only I have the right access. I am assuring you that if you contact them, they can answer your inquires.I subsequently received a letter from I.C. System, a collection agency, on XX/XX/XXXX saying that I owed $XXXX and have 30 days to respond. (Their letter is datedXX/XX/2019, so I assume the 30 days ends on XX/XX/XXXX.)
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95125
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Through the year that Harvey hit XXXX the company has had problems with their phones and communication at one point they were posed to be delivering me a replacement phone but it got lost in the mail and I was held they made me on countless times lose money and harassed me try to so party that put me in that position when I could not get the help that I need from them with their bad communication but want to turn around and asked me to pay for their mistakes
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2019-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This company claims that I have a balance of {$1700.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit bureaus that they are reporting this debt to asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the account was validated without providing me with an original contract bearing my signature. I know that the FCRA says that a contract needs to be provided to the consumer bearing his signature when validating a debt. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows the name of this company but I never had an account or a contract with them. I want to see the contract with my signature on it that says that I agreed to pay this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2019-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have called and mailed letters to get this account verified. I have in XX/XX/2019 I sent them a letter to send me documentation that proofs this account does belong to me and they don't respond. The last letter was on XX/XX/2019 hopefully they respond this will be the 5th letter. I have also called and they give me the round around and they hang up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I checked my credit report and found a unpaid debt for XXXX XXXX posted in my report. This action was done by I C Systems debt collection. I called and explained it was not my debt. During that conversation, actually 3, I found this debt belonged to my son who lives at a different address and apparently subscribed to XXXX XXXX. They told me to call XXXX XXXX to fix this problem, I did. XXXX XXXX told me they gave the collection company the correct information and they used a practice called " skip tracing '' and that collection company would have to correct it. I called I C Systems back and they refused to correct this error and remove the debt posting from my credit report. I C Systems phone XXXX XXXX XXXX XXXX Spoke with XXXX employee XXXX. They reference is report XXXX XXXX XXXX and account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I spoke to XXXX in Texas. The XXXX XXXX account number is XXXX. The account is in the name of XXXX XXXX XXXX. They posted to my credit report for XXXX XXXX XXXX My contact is ph. XXXX XXXX XXXX, email XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17268
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: this account was deleted and removed from my credit report because of lack of verification of account but was place back on my report on XX/XX/2019 2019
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never had XXXX XXXX XXXX. I have always used XXXX or XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX underneath the agency I.C. Systems is reporting a collection account to my credit that does not belong to me. The account belongs to someone named XXXX XXXX who I have no relation to, this was placed on my credit due to error. It is also only reporting to XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84119
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was a XXXX customer. I wasn't satisfied and asked how to send the equipment back. I was told I would be send a box and stickers to ship it back that I never received. When I started getting bills for the equipment I called several times and said that I had it and was ready to send it back once they helped me and the told me that even if I returned the equipment now it would not remove the debt owed and they had turned it over to collections despite my many attempts to return it. I do not have date because this happened years ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 794XX
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have one collection from XXXX XXXX XXXX for XXXX on my report. I have never had a XXXX account. They will not send me any information on the account in question. Another collection on my account is IC System for XXXX XXXX. I tried calling and the number was disconnected. Again, I have not had a XXXX account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85019
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A