Date Received: 2018-06-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Debt from original creditors transferred to collections ( IC Systems ) prior to 180 days. According to The XXXX XXXX XXXX insurance should be not be allowed so that insurance can complete processing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77035
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: OnXX/XX/XXXX I contacted I C Systems via certified mail requesting proof of original documentation containing my signature in accordance under the Fair Debt Collection Practice Act section 809. I C Systems instead mailed a copy of statement or screenshot that included only dates an amounts owed. The correspondence sent to me from I C Systems did not contain any original application or documentation for proof verification. I. C Systems has again violated the FDCP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was paid 14 months ago. I do not owe the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Disputed with all 3 credit bureaus XXXX deleted both debts. As of XX/XX/18 XXXX and XXXX replied stating accounts verified without sending any verified information within time frame outlined from the FCRA 611 ( a ) ( 5 ) ( A ) ( i ). FCRA 15 U.S.C.1681i. This would make my 3rd attempt. According to the law each company as 30 days to reply neither hadnt.. I C systems XXXX. XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV {$210.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63118
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Suddenly on credit reports, no written information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/XXXX, I received notice from my mother who is not on the account or an authorized party to the account that she received a call from IC Systems. They stated that I had an account in collections for me. Provided her with my name, address, email address, phone number. The name of the account as being with XXXX, the amount of the debt, how many days past due the debt was. They knew this was not me yet they provided all of the information to an unauthorized 3rd party and violated my rights under the FDCPA. She indicated this was not my number ( which it is not ) and that she would give me the message and hung up. She then notified my about one hour to an hour and a half later that they called her back again looking for me on this debt after she already told them this was not my number and after they already disclosed my debt! My wife called the company and immediately asked for them to cease and desist calling. They kept asking when we were paying. She told them that they had violated the law and disclosed all of our personal financial information. They just kept saying ummmm. They said that they would send me to consumer affairs and after 4 attempts to reach someone and more than 14 minutes of being on the phone, no one at consumer affairs came on the line. While on the phone, I discovered that this company is known for their deceptive practices while attempting to collect debts and their known FDCPA violations. I told them this was not right and again I did not get anywhere. I feel as if my privacy has been grossly violated and that the continual calls and violations need to stop. I need to ensure calls to XXXX have completely ceased as this is not my number and no information should be disclosed to anyone but myself or my wife. I truly feel that due to the known violations of the disclosure that my credit should be cleared and the debt expunged and that XXXX should seriously look into an accredited collection agency which IC Systems is not. Also, when my wife called the company, they did not disclose their name as they should while initially calling their XXXX number. She had to ask them the name of the company and for details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27613
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I established a payment arrangement in XX/XX/XXXX for bi-weekly payments of XXXX. I NEVER missed a payment or was late. I received a phone call last month ( XX/XX/XXXX ) from I.C. System, Inc. ( XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ) stating that my payment arrangement had ended and my final payment of {$27.00} was taken out on XX/XX/XXXX and I had a remaining balance of {$150.00}. Not sure who authorized the increased payment either because I did not. -- - I asked the guy to be put back on the payment arrangement I had in place because my financial situation had not changed. He told me that my ONLY option was breaking it up into two equal payments ( which would be 3x my normal payment amount ). I told him that was not feasible - he then THREATENED to put this on my credit if I did not take the offer he gave me. I then informed him that it is illegal to threaten someones credit and that I could not increase my payment. I then went on their website and made a payment on XX/XX/XXXX for XXXX. Today I received a call from I.C. stating that this had now been reported on my credit ( after I was threatened ) - even though I still have not missed a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I never receive notice from IC system collections nor XXXX as to why they reported a negative item on my credit report. I was a Customer with XXXX for 5 years and are no longer in contract for mobile services. XXXX is negatively trying to collect for amount not owed and charge for devices that were given free with services. XXXX has try to sell this debt to different collection agency and had to be removed from my credit report because debt could not be validated. I refuse to pay a debt that I do not owe and has fulfill more than my 2 year agreement with this company. XXXX has sold this debt to a IC system collections which I have sent a certified debt validation letter to this company requesting to prove debt owed with sign contract l. no response has been given. I am requesting that IC collections to be removed from my XXXX credit report. Because of this negative impact I will not be approve for my new home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have an unverified account from IC SYSTEM. I had previously disputed this account. I have never done business with IC SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: saw I C SYSTEM INC on my credit report called I C SYSTEM INC and asked them to provide documents what is charge is all about, asked them to provide me with letter of disputed and include additional supported documents based on {$700.00} collection they put on me. Costumer rep was rude, did not want to provide anything. I assume they do not have anything to support the claim
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2018-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A