Date Received: 2018-05-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have disputed this bill from the beginning with at and t. I have asked for them to verify the charges and explain to me what exactly they are collecting. I have not gotten one collection call from this company. I called today and spoke to a rep that informed me that this account was placed with them on XX/XX/18 and was immediately submitted to the credit bureau to impact my credit not given me a chance to dispute it with IC systems. The only reason that I am aware of this collection attempt is because I got an alert from XXXX. This is in violation of my rights. I also requested with the rep today that I fall under the sscra for military spouses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT I C SYSTEM To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 1. IC System Inc XXXX XXXX XXXX XXXX, MN XXXX Reports to XXXX, XXXX XXXX, and XXXX that I am delinquent on a debt they purchased from XXXX XXXX. They have reported the debst as collection account for {$400.00} past due as of XX/XX/XXXX, to remain on until XX/XX/XXXX I have tried several times via certified mail to to the credit bureaus and to IC System to request proof of the debt under FCRA, and they have not sent me proof of debt. Please investigate IC System and have them remove debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Complaint against IC System. IC System is a debt collecting agency based out of XXXX XXXX MN. XXXX, located at XXXX XXXX XXXX XXXX or XXXX XXXX. Tel XXXX. They were hired by a XXXX XXXX to collect a debt of {$8900.00} from me for uncompleted service. Initially when I got a letter from IC systems on XX/XX/XXXX, I sent a letter back to IC systems disputing the debt. In the letter I attached a copy of the " Term and Fees Schedule addendum ( Also attached ). The addendum that I signed stated that a payment of {$8900.00} would be due if a minimum guarantee of {$80000.00} in loan amount was acquired. In my letter, I stated that the minimum guarantee per contract had not been met and that's why I am not obligated to pay. IC system, then forwarded my letter of dispute to XXXX XXXX, who wrote back to IC system stating that they had acquired loans in the total amount of {$82000.00} and on XX/XX/XXXX I received the letter from IC system stating that they had been provided information validating the debt. They forwarded me a copy of a list of credit lines that XXXX XXXX claim as approved and received ( Attached ). The IC letter dated XX/XX/XXXX to me ( attached ), also stated that " If you still question the obligation to pay, contact our office immediately. Since the list showed credit lines in my name that I was not aware of, I called the banks to ask if I had any existing credit lines in my name in the credit amounts listed that I was not aware of that were opened in the first quarter of XXXX, since XXXX started applying on my behalf during XXXX - XXXX XXXX XXXX. Every bank I doubted to have a credit card with them, confirmed that I didn't have any credit lines with them in the amounts stated which had been opened in that time period. That very night, I wrote a letter back to IC system ( attached ), indicating what credit lines on that list were legit and which ones were not legit. I mailed that letter with the copy of the verified credit lines from that list on XX/XX/XXXX and mailed it the next morning. The verified credit lines amounted to {$37000.00} and only 2 of the credit lines were in the business name yet according to the initial promise from XXXX XXXX all credit lines were to be business. Please check XXXX to see how misleading their website is to small business owners. They appear to be a real financial company that will give you good size loan at 0 % for 12 months, sounds appealing and then they collect all your personal information for the approval and then turn around and start to apply for multiple credit cards on your behalf and at the same time coach you how to lie to the banks if you get a call. If there wasn't anything misleading and fraudulent, they would tell you straight up on the first call and on the first page of their website state their services as " We will apply for multiple credit cards on your behalf for 10 % commission, but that is not the case. Please look up their reviews from other small business owners that have been scammed. Back to the story, Later that day I got notified by XXXX XXXX via email that there were collection debts in the amount of {$8900.00} reported to my name on the 2 of the credit bureaus. Issues with IC system : 1.Why did they report my account on a debt that had an unresolved dispute? 2. Why did they send me a letter dated XX/XX/XXXX and received XX/XX/XXXX and then report my account to the bureau on XX/XX/XXXX, without giving me a chance to respond. 3. Why did they say on the letter dated XX/XX/XXXX that if I still questioned the obligation, I should contact them immediately and yet turn around to report my account to the agency without giving me a window of time to receive the letter and respond accordingly? I immediately called IC system, I spoke to the first lady and expressed the above stated issues, she would not listen to my questions, she was rude on the phone and told me that they didn't have to wait for my response and asked me if I wanted to make a payment. Noticing that she couldn't listen to me, I decided to end the call and call again and hopefully find someone else to talk to. I immediately called back and spoke to a gentleman by the name XXXX, he noticed that I just called and so I gave him a quick history of the situation and asked, why was I reported to the bureau on disputed account and why didn't they give me a chance to respond and why was my credit score being ruined unfairly? I also asked what was their standard procedures on accounts that were in dispute? After putting me on hold, he came back and said, their client was XXXX XXXX and they don't have to wait nor giving attention to my second dispute, they only consider first dispute and once they get back more information from their client, they would not be open to second dispute. I asked then, why does your letter tell me to contact you immediately if I still question the obligation to pay, yet you would not honor the very statement in your letter to me? He didn't have an answer for me and could not escalate the issue to someone higher either. At that point, I told him that I was going to seek help and consult with CFPB and the bureaus to protect my already excellent credit. So that is my story and I am sticking to it, please let me know if any questions and appreciate your help looking into this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98023
Submitted Via: Web
Date Sent: 2018-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I paid this debt in the amount of {$33.00} but on my credit report it was reported that I owed {$170.00}. When I contacted the company in XX/XX/XXXX they told me that I only owed {$33.00} but before XX/XX/XXXX -XX/XX/XXXX it was reported to XXXX that the amount owed was {$170.00}. I recently sent XXXX, after trying to dispute this several other times that this isn't my bill because per the company there was never an amount of {$170.00} that should have been reported. Now it is listed as a " CHARGEOFF '' but it was never my bill and it was paid in full-never charged off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2018-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have reached out to IC Sytems and after thirty days of elapsed time I wanted to file a complaint., The debt they are trying to collect on is erroneous for I have paid as agreed., and fully satisfied this debt., I sent by certified mail / return receipt attached Hereto requesting Full / Validation of this debt including but not limited to An explanation of what the alleged debt is for / A calculation of the balance, Including the complete payment history of this account so that I have proof that this amount is correct / Documentation that shows I agreed to pay this debt / The agreement that grants them the Authority to collect on this alleged debt / a copy of their license to do business in my state along with their license number.,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On around XX/XX/XXXX I noticed this collection account from IC SYSTEMS INC on my creit report. I immediately questioned if this was my debt. I sent IC SYSTEMS INC a debt validation letter on XX/XX/XXXX this letter was received by IC SYSTEMS INC on XX/XX/XXXX @ XXXX XXXX CERTIFIED MAIL TRACKING # XXXX XXXX XXXX XXXX XXXX SIGNATURE WAS ALSO REQUIRED. Since the delivery of my debt validation letter to IC SYSTEMS INC, I HAVE NOT RECIEVED ANY VERIFICATION OF ANY SORT, showing that this debt belongs to me. THIS IS NOT MY DEBT!!! please investigate. Also, IC SYSTEMS HAS RED FLAGGED MY ACCOUNT XX/XX/XXXX 4 TIMES IN 1 MONTH ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) 5 TIMES ALL TOGETHER. Please investigate as I am sure this has to be some type of violation on there behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2018-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/XXXX, I noticed a collections on my credit report from this company and sent a letter requesting verification of the debt, as I did not recognize it. I have not received a response as of the submitting of this complaint. On XX/XX/XXXX, at XXXX XXXX, I received a telephone call from an unknown number. The caller stated that they were outside my residence to have me sign " court papers. '' I asked them if they were a licensed process server -- they did not answer ( they said " I have a certificate from the state, and I'm trying to just get you to talk to this company '' -- they did not confirm that they were or were not a process server ). This caller advised me to contact I.C. Systems at ( XXXX ) XXXX and to reference file number XXXX. I called the number, and referenced the file, and they pulled up the debt I had disputed with the credit bureaus and via certified mail.They still have not responded to my debt verification request ( as it has not been 45 days yet from the date of my dispute ), but, per the FCRA, are required to cease all collection attempts. In addition to telling me I had been sued and " had to sign court papers '' for a lawsuit I was not noticed for ( and a lawsuit which does not exist in my county of residence ), they engaged in debt collection practices today, which are prohibited per the FCRA while a debt is in dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have an original debt from XXXX XXXX. It has been sold to two different debt collectors that have both reported the debt to my credit report from XXXX XXXX for the same amount resulting in duplicate reporting. The first collector is listed as XXXX. The amount is XXXX. This account is listed as opened in XX/XX/XXXX. They last reported on XX/XX/XXXX. The 2nd collector is listed as IC Systems. The amount is listed is XXXX. Listed as opened XX/XX/XXXX. They last reported on XX/XX/XXXX. Both are listing ownership of the same debt and reporting it to my credit report. I would like to have the debt collector who no longer owns the account removed. I'm trying to delete multiple collection agencies reporting the same debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73012
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: they are reporting a collections and negative account on my XXXX credit report that does not belong to me this account and balance are not mine and they were to removed these from my credit reports months ago please remove this incorrect information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A