Date Received: 2018-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I called XXXX XXXX XXXX to disconnect and cancel service for my DSL account in XX/XX/XXXX. I was not able to reach that dept via the automated system and after several days of failed attempts I went to the XXXX XXXX store at XXXX in XXXX XXXX TX. They were able to connect me to DSL customer service ; I was told by the rep that due to my troubles of trying to get through and constantly getting the wrong department within XXXX XXXX XXXX on their customer service line that my service would be backdated with a cancellation date of XX/XX/XXXX. Representative informed me I would receive a bill in XXXX. Advised that I did not owe that amount but due to their billing cycles the bill would still be generated so if I paid the bill I would be sent a check in the mail once the account was rectified. Just to be safe I paid the bill. However, that cancellation was not put through correctly by the representative. I did not notice there was an issue until XXXX. I called again and there was never a cancellation put through. They finally were able to effectively cancel the account in XXXX. I received a final bill in XXXX for {$120.00}. Those charges were incurred after my initial attempt to cancel and close the account in XXXX and are unauthorized/erroneous charges. I have been fighting with the company ever since to have that amount adjusted. I have been told numerous times they are crediting my account. After several months of this communication and nothing being resolved I started to worry they would send to 3rd party collections. I called again and XXXX XXXX XXXX placed an accounting hold on the account while it was taken care of. Then I started receiving letters from collections. One from IC Systems- whom i called immediately and filed a dispute. I have exhausted all avenues at this point and every time I call XXXX they say they will credit the account, but every month i receive the same past due bill. IC Systems will not do anything on my behalf ; all direction has to come from XXXX and XXXX has told me they will not contact IC Systems to recall the account from collections because the account has been credited. However, I am applying for a home loan and do not qualify for the best rate due to the collections debt from IC Systems on my report. I went to an XXXX XXXX XXXX branch today after being hung up on twice in the automated customer service phone line ; and was disconnected and hung up on in the branch with their rep as well. I have 2 letters ( via email ) from XXXX XXXX XXXX dated XX/XX/XXXX stating " Thank you for your recent call to XXXX XXXX XXXX XXXX. This is a confirmation that as of today XXXX of XX/XX/XXXX XXXX XXXX XXXX adjusted the bill with account number ****** under Mr. XXXX for a total amount of {$120.00}. If we can be of further assistance, please do not hesitate to call us on XXXX. We at XXXX XXXX XXXX XXXX value your business and look forward to speaking with you again. Sincerely XXXX, Service Representative XXXX XXXX '' I have another letter dated XX/XX/XXXX stating " This is to confirm that we have adjusted {$120.00} from your XXXX XXXX XXXX bill. This adjustment will reflect on your XXXX bill. We apologize for any inconvenience this may have caused you. If we can be of further assistance, please do not hesitate to call us on XXXX. We at XXXX XXXX XXXX XXXX value your business and look forward to speaking with you again. Sincerely XXXX, Sales Manager ATT Consumer Services '' I have no more avenues to explore to get this situation resolved. I am applying for a home mortgage to move my family for my husbands job relocation and am not able to qualify for the best rate due to this issue on my credit ; this one and only issue on my credit. Please help. I can reference additional employee numbers of whom I have spoken with during this 14 month battle to have this removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78132
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2018 I sent a certified letter notifying your company that youve listed erroneous information on my credit file but you ignored for several months, you sent a letter stating that it was verified but to my knowledge I dont recall owing a debt to your company. If you look up my name you will see several people with the exact same name. Please dont compromise my name with anyone else. In order to conduct this matter correctly, I have taken legal actions against your company for violating my rights under the FCRA. Your company has violated more than just a few FCRA laws. You have also violated my right by using my consent without contacting me off such a debt or erroneous account displaying on my credit file. I have attached a letter to this message. I prefer to take this matter to court to get this resolved immediately and removed permanently. I am very disappointed that as a company you tried to collect an erroneous debt not owed by me and you consistently harassed me by phone, sending someone to my job, calling my job and also trying to place a lien on my account. For that reason I am suing your company and I am seeking {$5000.00} for damages you have caused to my credit file. I must admit that I have experienced being a victim of identity theft, I was affected by the breach with XXXX and a few more other companies. I am allowing 72 hours of a response upon receipt for an internal dispute to take place for this matter. I am also sending this as an affidavit so I should hear back from your company within 3 days if not the filed lawsuit will remain as is and the dates as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted with no results by phone and letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company I C SYSTEM INC has listed a debt on my credit reports in the amount of {$510.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2018-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THE IC SYSTEMS IS TRYING TO COLLECT A DEBT I DO NOT OWE. XXXX. THEY MAY AS WELL STOP WASTING THEIR TIME CALLING HERE BECAUSE I WILL NEVER ANSWER THE PHONE IF I DO NOT RECOGNIZE THE NUMBER OR IF IT'S NOT A PERSONAL ACQUAINTANCE OF MINE. SORRY SCAMMERS!!!!!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97006
Submitted Via: Web
Date Sent: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Have had an old satisfied debt from XXXX XXXX XXXX in the amount of {$300.00}, which was an old debt that was satisfied when I CANCELLED my pet insurance with XXXX back in XX/XX/XXXX. At the time of the debt I only owed for 2 months pet insurance of {$78.00} which I had paid when I closed the account! I have received zero communications from XXXX XXXX XXXX since, and then suddenly in XX/XX/XXXX, I began receiving notifications from IC SYstems about this debt to XXXX and of {$300.00}, which is more than DOUBLE what I originally owed. I have contacted this company twice in XX/XX/XXXX that I do not owe this debt, yet it keeps showing up under my credit. Previous to IC SYStems, it was under First Credit. I disputed this same account then, and it was dropped. I do not know what else to do, but this debt is old, was sufficiently paid off in XX/XX/XXXX - and beyond 7 years from when I originally owed XXXX XXXX XXXX. These companies seem to buy old debt that have since been written off. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have been disputing this alleged debt on my credit report multiple times. They have not provided any proof of the debt or a copy of the contract to determine the account is mine and reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18951
Submitted Via: Web
Date Sent: 2018-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I had an XXXX XXXX XXXX cell phone. I had their service for 8 years. With no notice or warning one day I could not call out. My calls were dropping, I could not hear incoming calls. This went on for over a year. I made numerous phone calls to them. I have to have a wireless carrier I travel for work and I have clients that I see that live is this area as well. I asked XXXX XXXX XXXX to let me out of my contract. I could no longer continue my service it was not working correctly. I had no choice but to turn my phone in and switch. XXXX paid XXXX XXXX XXXX. XXXX XXXX XXXX charged me for my phone that I turned in and was paid for. I have disputed this debt. I have tried to speak to them. I finally got the collection removed from my credit report. Only to have it added 2 months later. I was never notified in advance of the account being added. they are in violation of the reinsertion law. This is effecting my ability to obtain a mortgage. I do not owe this money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49201
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The account in reference IC Systems/XXXX was created due to indentity theaf. I have contact both XXXX and XXXX on several occasion with no success.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to inform you I have been a victim of identity theft and many of my accounts were compromised without my consent someone from a company contacted me about a alleged debt. Date XX/XX/2018 Amount : XXXX I sent a certified Affidavit to the third party company for alleged debt. I did not authorize the account and I do not have a contract with the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48223
Submitted Via: Web
Date Sent: 2018-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A