Date Received: 2018-10-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have received numerous phone calls and now a debt collection notice requesting that the cable provider has not been able to obtain the cable equipment in my former home. I have been told that if the equipment is not returned I will be billed {$520.00} and if not paid, my credit will be impacted. This was told to me yesterday ( XX/XX/XXXX) by XXXX at IC System. I was divorced effective XX/XX/2017. In the divorce, my husband, XXXX XXXX was awarded the items in our home including the cable equipment. In the Decree, I was given no access to the home and my ex husband and I do not speak. I have written to him and asked him to return the equipment but I can not make him do it. He will not cooperate. I communicated this to XXXX in XX/XX/2017 with a cc to my lawyer and a copy of my Decree. See letter attached/uploaded. Debt collectors tell me they are going to report this to the credit companies and that will damage my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/2018 a collections showed up on credit report saying I owed XXXX in the amount of {$140.00} at an address in XXXX, Michigan which I have never been or lived. I immediately filed a theft report with this company and also a police report. After about 3 weeks this was removed from my credit report. I thought all was fixed until XX/XX/XXXX a collections company called I C Systems ( XXXX ) XXXX showed on my credit report for the same account with XXXX XXXX XXXX ) XXXX fraud dept ) ( XXXX ) XXXX for the amount of {$140.00} with reference number XXXX. I have called all numbers that are possible and no one willing to help. So basically XXXX has swept this under the rug and decided a few months later to try and collect again very bad business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 307XX
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Last XX/XX/XXXX I went to XXXX to get a phone at the location Mall of Georgia XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. The store manager XXXX XXXX had the sales representative XXXX XXXX help me out selecting the best option. The agreement indicated I had up to 14 days to return the device without being penalize. On day 14 I went to the office to return the device ( XX/XX/XXXX ). On this day XX/XX/XXXX I spoke with the store manager XXXX XXXX. He indicated there was nothing rendered for me to do and that everything was taken care. However, when I asked for a proof or receipt for the returned device XXXX XXXX XXXX indicated I did not needed anything as he had already canceled all services and lease device in the system. Weeks went by and I begin to receive notices from XXXX indicating I owe the services and device I previously returned. I got in touch multiple times with the store I purchased/returned the device and was told to disregard that in their systems I was already canceled and so forth there was nothing else needed from me. Soon after that I received another notice so then I took action and went personally to another XXXX store located XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Telephone number ( XXXX ) XXXX and asked to speak with the store manager XXXX XXXX. However, the request was denied and another sales representative asked me to go to the other store where I initially got the cellphone. On XX/XX/XXXX I obtained a copy of the final statement from XXXX on which listed me responsible for {$1000.00}. Shortly after on Monday, XX/XX/XXXX at around XXXX I received a phone call from a collection agency named : XXXX XXXX with the reference number XXXX requesting a payment in full on behalf of XXXX for the same amount previously described {$1000.00}. I disputed the balance and notified them that I did not owe the stated balance. The representative proceed and threaten to report my account to the credit bureau on XX/XX/XXXX. On Friday, XX/XX/XXXX I received the notice in the mail from IC System Collection Agency. I also faxed the proof of refund to IC System to the fax number ( XXXX ) XXXX with the case # XXXX. The IC System representative also indicated that XXXX never charged anything to my bank account on which I dispute as I have multiple charges from XXXX - XX/XX/XXXX {$31.00}, XX/XX/XXXX {$31.00} and {$42.00}, XX/XX/XXXX {$63.00}, and $ XX/XX/XXXX {$63.00} see attached proof of payment. The representative proceed to tell me my account was on hold.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am requesting that this item be removed from the credit bureaus immediately. I have not open an account in XX/XX/2018 with XXXX. This is an error. I have XXXX service for years. The amount reporting is {$430.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a XX/XX/XXXX letter from IC System, regarding a debt turned over to them by XXXX, noted as the original and current debtor. As both a current and former XXXX customer, I was unfamiliar with the account number listed on the letter. I then contacted XXXX customer service today, XX/XX/XXXX, and an online agent confirmed that a previously-closed account was showing a past due balance for equipment not returned ; however, further review of the account showed notation that the equipment was, in fact, previously received by XXXX in XXXX. There was no further statement by the representative why the amount due remained on the account, or why it was referred to collections only now. The representative indicated that the account would be noted, but was otherwise vague as to what would happen regarding my old account apart from reference to a " ticket. '' There was no indication how an account with no actual outstanding payments or obligations would go " live '' insofar as debt owed, and why that was not vetted before referral to a debt collector.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX and ic system ate reporting information on my credit file that does not belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49519
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2018 I notice that on my credit report that I C System reported a balance of {$920.00} which I do not recall and I contacted the company Via fax in regards to this account reporting on my XXXX, and XXXX Credit Report requesting a signed Document bearing my signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was declined credit due to a an unpaid balance, as I was not aware of any unpaid balances I ran my annual credit report. I found this on my report : I C SYSTEM INC Potentially Negative potentially negative icon show account button Account NameI C SYSTEM INC Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$8600.00} past due as of XX/XX/XXXX. Status UpdatedXX/XX/XXXX Balance {$8600.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$8600.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX This is for someone else entirely, I've never used XXXX, I've actually had a company paid phone since XXXX, and it's with XXXX XXXX. In addition, I've used XXXX XXXX ( now XXXX ) for internet since I've had internet. I have over 7 lines of credit going back 7 years and not one late payment, and I typically pay my full balance unless it's during a promotional zero interest period. Please let me know what to do as this is VERY unsettling. Thank you SO much! XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Dear Sir/Madame I have been disputing this deragatory mark for over a year now and just a couple of weeks ago I finally got the corporate office to take action against the local office creditor, and was subsequently informed ( as I had already known all along ) that I, in fact, did not owe anything at all and that there was a definite error on my account that was never logged or recorded with the local office, and was informed that they would get right on it to make sure this negative account was removed from my credit file. You see, I had already paid in full for the required year for a pet program named " The XXXX XXXX '' which was good for up to a year for regular veterinary visits that were within the plan, however, I had to pay up front any services that were not covered by the plan, such as emergencies, prescription drugs, and/or any medical treatment that was not a regular wellness plan visit. Of course those dues, if any, were paid up in front by me or they would have never seen my dog. However, my yearly due fees for the plan were made in advance and paid up. Well not 2 mos. Into the yearly plan did I have an altercation with one of the veterinary assistants due to her inhumane treatment towards my dog, who had a condition called XXXX at the time, was very weak, very sick to the point of death, and during this critical time in my puppy 's life, she commenced to place a nozzle around my dogs entire mouth and nose as a caution for her to not be bitten during a shot, and I felt that the nozzle was a bit extreme, knowing that dogs do not know how to breath out their noses, and I knew this would somehow cause undue stress upon my puppy while receiving a shot. She then commenced to shove my puppy 's head down and yelling at him during his shot, causing him to be extremely alarmed and aggitated. I explained this to her at this point, whereas she immediately ran to veterinarian complaining of my argument with her. I was then told to leave and when I had made an appointment the following month without incident, after I showed up for the appointment and waiting, the veterinarian saw me and again informed me that they could and would not see me again until I had touch base with an administrative officer to work out this issue if I was to remain in the wellness plan. So asked to leave again,, I never again returned, still having an open, never redeemed remaining balance. I did not fight this and subsequently forgotten for The rest of that year, I did a credit report check to find that they had not only NOT issued me a refund for what I hadn't been able to use, but also charging me another full year for services I never got to use again due to their exiting me from the program and that I was now, unfairly and falsely placed in collections for non payment. This being only after 2 short months of service, with my having a full 8 months more remaining balance on which to utilize their services. I had contacted them right away in hopes to get this resolved and the negative mark eradicated from my credit file immediately! The issue was understood by the creditor and promised measures were to be taken I was informed and would be receiving an update call shortly thereafter. Well that call never came and at that time I had other stressing issues that demanded my attention and that deragatory mark on my record was temporarily forgotten. Well again here I am to date, as I had said earlier, two weeks ago of the promise to remove this negative false mark from my file, as I had explained, it was the only negative mark on my record and it was causing me undue stress and credit worthy issues with other creditor while trying to obtain an auto loan. This contact being my 5th contact with everyone and anyone that pertaining to this account, from creditor, then their corporate office, down to the local office itself who had made the mistake. These creditors for this company as well as corporate, made several phone calls to them about this promised wipe of negativity promised me by them, only to be informed through these other people contacted that they were going to append this issue at once and get this issues deleted, wiped clean off my record because they knew it was an error of their own doing, and would work speedily to get this resolved. I have just today, attempted my 4th phone call in two weeks time, whereas have been informed that nothing has been done for this account as, like the 3 times prior to this, the person handling this issue was not in, but would be in the following day and be up on this issue. Today, again, I've been told the same thing. This was an error on their part which I believe should be handled in more of a timely manner than has. And being the only deragatory record on my credit file, my most recent desire to obtain an auto loan is being thwarted due to this fact, and right now? Right now, I'm demanding that they get right to work on this unwarranted on my part, major error, and get this urgent unwarranted error causing me issues, taken care of IMMEDIATELY! This is by far, no fault of my own, as they also can detest. So why am I being the one who is victimized due to this improper, untimely handling of this? Unfairly so. So I'm begging you to step in for me in investigation this fully and hopefully attaining a proper and immediate resolving of this matter. Have a good rest of the week and thank you very much for offering your assistance on this matter. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93635
Submitted Via: Web
Date Sent: 2018-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted XXXX regarding electricity service that I never authorized in my name. They advised that they would take a note that it was fraud. It is the result of identity theft. However, a company is still attempting to collect this from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A