Date Received: 2018-02-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Harassing phone calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have previously tried submitting a complaint with this company.. XXXX XXXX was the original creditor. The amount on the alleged account is {$730.00} dollars. I C system has finally decided to respond only to say that they aren't the ones who brought the account although let XXXX XXXX says the original creditor was XXXX, yet the account is with them and they, ( I C system ) are the ones trying to collect this alleged debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My light bill keeps popping up on my credit report. I opened an account XX/XX/XXXX and theyre telling me that I have a past due balance as of XX/XX/? How is that possible if I havent had an account open until XX/XX/ where is this XX/XX/ balance coming from its over 10 years old its coming from my old account that got transferred to my new account .havent had an account opened in my name since 12 years and five months ago except in XX/XX/, So where is this XX/XX/ account coming from its coming from my old account more than 12 years ago and it needs to be taken off my credit report because its over 10 years its not brand new from XX/XX/ because I didnt open account with you guys until XX/XX/XXXXand you can see that on my credit report from the specific billThat the longest debt on my credit report is from that exact original bill 12 years and five months ago which this isthe account imtalking about. Ive called you guys numerous times Ive called the collection agency also and they dont know about the old account? If theres no previous account then where is this previous balance coming from as of XX/XX/ if I didnt open an account with myself until XX/XX/? numerous times and there told me that they cant find an account that that account from the XX/XX/ balance is being forwarded to so how do I have a previous balance of this amount if I dont have a previous account back over 10 years ago? The balance was {$1500.00} way back over 12 years ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was renting an apartment in a house for about 10 years ( approx. from XX/XX/XXXXthrough XX/XX/XXXX). Un aware that the landlord was piggybacking off of my electric to service from the basement and other areas of the house that had nothing to do with my account. I reached out to XXXX XXXX several times regarding unreasonable electric bills for one person in a small apartment unit. The landlord denied this claim and was also renting out an illegal unit to me which I was unaware of until I contacted an attorney and was advised. I ended up taking the landlord to court because he neglected to make necessary repairs and because I believed he was stealing electricity from my meter and that is why my bill was so high every month leaving me with a balance of {$1400.00} and a negative report on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33405
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This account reflects the wrong amount. The account was opened and closed within less than 1 month so how can my bill be {$690.00}. XXXX XXXX tried to over bill me for service that they never provided. This account was opened some time in 2012. It's over 6 years old.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33405
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed this debt with I.C. System Collections with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. XXXX XXXX received the certified letter on XX/XX/XXXX and has yet to respond to my request. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX Potentially Negative potentially negative icon show account button XXXX Account Number {$400.00} Balance XX/XX/XXXX Date Opened Collection account. {$400.00} past due as of XX/XX/XXXX. Status
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: IC System is trying to collect on an account that has been paid directly to the creditor ( XXXX ). I have no business dealings with this collection company. I had never received any correspondence with IC System until I started disputing their claim and received a letter after my attempt to dispute with the Bureau 's. I have not given a company above written consent to contact connection with the collection of any debt. I have no known relationship with the company I. C System in regards to a XXXX account. They are trying collect on a debt not owed to them whatsoever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2018-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I do not know what this account is or who it belongs to. I've asked the credit reporting agencies to investigate and send me proof that this debt is mine and have had no success!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97124
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: To whom it may concern : I am writing to dispute the collection account listed on my credit report. The collection being reported by XXXX XXXX on behalf of XXXX XXXX is incorrect as evidenced by the supporting documentation Ive enclosed with this notification. Id also like to shed light on the unfair and deceptive trade practices XXXX is currently engaged in. My troubles began with XXXX back in XX/XX/XXXX. It was at this time that I had contacted XXXX to extend my internet service for a period of one year as my current contract had expired. Unbeknownst to me, rather than extend my existing term, the sales rep had created a new account. I was later informed by a XXXX employee, this was a common practice in order to achieve sales goal requirements ( I soon learned at the expense of unsuspecting consumers ). For the months of XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX, as evidenced by my XXXX account printout from their website and my bank statements enclosed, they had double billed my account. They were direct billing my bank account as a requirement for services ( and as a promotion I was to receive a pre-paid XXXX card, which I never did receive ), so I had little control to stop these payments. When I informed them via phone in XX/XX/XXXX that this was occurring they said they would have it fixed. When it still hadnt been corrected by XX/XX/XXXX AND I began receiving collection calls from XXXX I became furious. It was necessary for me to take off work to go to their local office and get it corrected. Ultimately, it took me three days of missing work to finally get it corrected. XXXX had agreed to credit my account for the overbilling. This was shown as a credit on my account in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the remainder of the credit in XX/XX/XXXX. This again is evidenced by the lack of billing for those months in the printout from my XXXX account. In XX/XX/XXXX, you can see where the normal billing then resumed. I was surprised to learn this account was being placed for collections with XXXX last month. After numerous discussions with several employees at XXXX, I was informed they wouldnt remove the collection and insisted I pay them an additional {$130.00} to remove it. This is having an extremely negative impact on my credit rating and ability to buy a home. I am asking for your help to remove this inaccurate information from my credit file. I was okay with the fact that I never received the promotional item promised. I was okay with the fact that the original monthly payment quoted ( see attached ) was not what I received. Where I must draw the line is when they are having a grossly negative impact in my ability to acquire credit. To summarize this injustice ; XXXX double billed me for services, never provided me with the promotional item I was supposed to receive, admitted they were wrong and credited my account, now have placed that same double billing for collections, listed it on my credit report and are refusing to remove it. I am appalled this Company can be allowed to stigmatize consumers credit by extorting them to pay monies not due using this tactic. Any help you can provide assisting me undo this wrongful act would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2018-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A