Date Received: 2017-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Ive returned the owes equipment on XX/XX/17. IC systems keeps calling me to return already returned equipment. I gave them the return receipt info and they still keep calling. Ive also asked them to stop cease and decease contact with me and they co tinie to call. Per my FCRA rights, this is punishable up to XXXX ... any other contact, I will enforce my right up to the entire XXXX $ per contact.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36303
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: There has been a huge miscommunication between XXXX XXXX AND XXXX ( XXXX ) I have a XXXX balance turn in al my equipment and no longer have any contract whatsoever with either company. I dispute this debt. I was current and paid off, never late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent disputes letters to the credit bureaus for this account, and the company did not respond. The company says I owe XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29532
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: IC Systems called about 3 months ago saying I had a collection out for an XXXX XXXX XXXX account I had opened in XXXX XXXX. The calls happened in XXXX and I had no previous notifications about outstanding debts ( i am very good about managing debt ). Naturally, I drove to XXXX XXXX XXXX to resolve whatever was on my account, but they had no recollection of any outstanding balances with them, nor could they trace the amount I was told I owed. I also asked them if they use small, family owned debt collection companies out of Minnesota, like IC Systems. They said no, they go through large, verified companies that collect debt and give ample time to take care of any debts and give several notifications before sending to collections, which was not done. They said I had partaken in a scam transaction for {$84.00} and some change. I immediately went to my bank and cancelled my card and reported a dispute for fraud on my account. It has been 2 months since this took place and today XXXX/XXXX/XXXX I get another call from IC systems in another state and city, with a different number and no voicemail left. From the first run in with them I knew they could n't have any credible information on me so I called back and told the man who picked up the phone that they are a scam and I am reporting them to the FBI and the BBB. He tried to tell me that they are a real company but I hung up. Several XXXX searches proved that IT IS A SCAM COMPANY. Some said it is a scam group posing as IC systems trying to get you to make payments over the phone, others said it was actually IC systems and they were scamming people. I am tired of the scares about collections and they need to be taken down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CRA violation accounts are inaccurate. Its not mine, i have knowledge of the account. PO number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order I C SYSTEMS COLLECTIONS to make recompense and pay redress and compensation for their trespass against me. I C SYSTEMS COLLECTIONS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: Receiving phone calls out throughout the day on my personal cell phone family members for that that I 'm unaware of
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: As per bankruptcy case number XXXX, XXXX was listed as a debtor as there were " lease payments '' on a cellular device. The phone number associated with this account is XXXX. I have returned the device and paid for usage. Seven times over the last six months, I tried to reach out to XXXX to resolve this matter. Each time, XXXX assured me that the account was closed and " would have '' a zero balance. XXXX did not object, nor attend any debtors meetings. I am still receiving daily calls from IC Systems demanding payment and this debt collector has placed a collection account on my credit report. XXXX now indicates I owe a balance due to a broken lease agreement which was listed in the bankruptcy. No one seems competent at neither XXXX nor IC Systems to resolve this matter. Therefore, as a last resort, I am reaching out to CFPB. Your prompt assistance is greatly appreciated. " XXXX '' with employee ID XXXX was the last person I spoke to regarding this account with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77551
Submitted Via: Web
Date Sent: 2017-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account was removed and proven to not be mine in XX/XX/XXXX and it all of a sudden re-appeared XX/XX/XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. When I asked for validation AGAIN in XX/XX/XXXX, all I received was bills with an address I never lived at, no signatures or anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I canceled my internet service with XXXX XXXX in XX/XX/XXXX, and remitted payment for my final outstanding balance in XXXX XXXX. At this time I was given confirmation that my account was close, with a XXXX balance and in good standing with XXXX XXXX. I returned the router as requested and that was it. On XX/XX/XXXX, I received a credit alert advising me that a new collection account was open under my personal information. XXXX XXXX transferred a debt in the amount of {$100.00} to I.C Systems. Please be advised that I never received a bill, a late noticed of any kind by XXXX XXXX or I.C Systems given me no opportunity to dispute the debit prior to negatively impacting my credit report. Following the credit alert I contacted XXXX XXXX XXXX Customer Care team, after speaking with several representative I spoke with XXXX. He was great, helpful and took the time to review my concerns properly. He let me know that the {$100.00} charge was for the router. Although they could confirm that the router was delivered, it reflected delivered two days after the allotted return timeframe. Considering that they have possession of the equipment, he moved forward to issuing a credit for the outstanding balance of {$100.00}. I was advised to contact XXXX XXXX on Monday to get confirmation that the account was closed, with a XXXX balance and that they instructed the third party collection agency to delete all negative reporting associated to the debt. Well on Monday XX/XX/XXXX, I was told the credit was there reflecting as pending approval and that I should call again in a few days. I called again on XX/XX/XXXX, and I was given the same story.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87120
Submitted Via: Web
Date Sent: 2017-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A