Date Received: 2017-10-22
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: First - None of the previous options to choose from explain the situation accurately. I believe this was a communicate issue and a refusal to provide information on account they hold for collections due to not having a fax number. XXXX/XXXX/XXXX I called I C Systems to ask questions about information I saw on their website when I went to pay XXXX XXXX XXXX on XXXX/XXXX/XXXX. There were more accounts reporting on / in their system that I had never received the bills for and I wanted to find out what the accounts were from and why I did n't receive a statement from the Provider before it went to collections. The first agent explained that I have to mail a letter for requesting any details on the bills and that it is best to go back to my insurance company instead. She also stated that I would not be provided a paid in full letter on the individual amounts I pay unless I was willing to settle the entire balance. She stated XXXX laws prevented the collection agency from being able to simply give the information on the accounts they are trying to collect on. I stated that the collection account was n't reporting to my credit as XXXX account and the individual amounts were each listed. I needed a paid in full letter for each account and the payment confirmation number. She stated the only method a letter close to my request could be sent would be by fax. I stated I do not have a personal fax machine and asked if it could be emailed to me or sent via mail. The agent responded no. She suggested I go to a public place to receive the letter. I stated this violates my privacy by making me to to a public place or my employer to receive personal medical information about my payments and should n't that be protected under XXXX to keep my information private? I requested to talk to her supervisor. He told me that the fax machine was the only way and kept interrupting me so my voice and concerns could not be recorded on the phone call. I expressed frustration that I was being denied a paid in full letter on the account I just made payment in full on for the amount of XXXX with the previous agent to delete it from my credit report. The amounts are reporting separately and I want to be able to prove each for the credit bureaus and my own records. I requested to speak with his XXXX and he stated he would refer me to the fax was the only method again. I still requested to speak with a XXXX. A gentleman I believe his name was XXXX got on the phone and was not briefed on the conversation which I had to repeat. I stated to all three agents I would report this to the CFBP and BBB for their system not allowing me to receive a separate letter on the paid account in full to remove from my credit report. I told them I wanted to resolve this together and avoid reporting their company. XXXX was not apart of that department, team, and had no authority to help me, but assured me their other XXXX would call me before end of day. The other XXXX did call me before end of day and stated their legal team would draft a letter for me in this situation and mail it my home. I have received the letter and it is not what I requested and has put XXXX of collections accounts that I disputed them updating to my credit reporting and hurting my credit once again. I told the agents I was working with XXXX XXXX XXXX on the amount that showed owing XXXX due to I received XXXX bills for the same XXXX and wanted to know why they all had different account numbers and amounts before paying the wrong XXXX. I stated I could pay the XXXX account when I was paid. They have put on my credit that I dispute these XXXX items and did not remove the paid in full item from XXXX/XXXX/XXXX paid in full with the first agent for XXXX with my XXXX XXXX XXXX card ending in XXXX. I did not state to them I wanted them to list the accounts as disputed and as soon as I understood the bill with the original services XXXX XXXX XXXX I would pay it. I also went onto the online website to pay the other accounts listed on the I C Systems website to pay them in full while I requested the individual statements and would resolve that with the original provider but wanted to make the account as current as I possibly could on XXXX/XXXX/XXXX. That payment was also made with my XXXX XXXX XXXX card ending in # XXXX for a total of XXXX. XXXX is the information reporting on my statement. In conclusion I do not want anyone else to be denied the right to a paid in full letter of an individual bill / XXXX item paid with I-C Systems due to their system will not allow it even though the XXXX XXXX XXXX XXXX XXXX XXXX made it so millions of Americans would no longer be hurt by XXXX XXXX remaining on their credit reports as long as the bill was paid. I paid the XXXX and am denied a letter paid in full due to their system. They also updated my accounts with the credit agencies with false information that I was disputing the owing amount XXXX XXXX XXXX accounts with them. I never stated in those phone calls I was disputing those debts with IC Systems. Also, denied the right to know where the accounts are from and who is reporting it and having to mail in a request, having to receive information only by fax and violating the individuals rights to this information if they do not have access to a private fax line or do not want this information sent to a public fax violating their rights to keep their medical bills / history private. The Collection company can hide behind XXXX laws, but refuse to protect the individual being reported. I want the the negative status of disputing information removed my credit report, the XXXX Removed due to being paid in full. I also want my paid in full letter for the XXXX and an itemized statement with original statements from the providers sent to me. Below is proof off my credit card statement the XXXX bills were paid on XXXX and a link to the information I quoted from the XXXX XXXX XXXX XXXX XXXX who helped millions of Americans. XXXX/XXXX/XXXX XXXX/XXXX/XXXX IC SYSTEM PAYMENTS XXXX MN {$110.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX IC SYSTEM PAYMENTS XXXX MN {$130.00} Link : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84005
Submitted Via: Web
Date Sent: 2017-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had terminated a XXXX contract inXX/XX/XXXX and confirmed with them that I no longer had any balance on the account, after which I moved out of the country for a short period. In XXXX of XXXX, I began receiving debt collection calls on behalf of XXXX and was informed it was due to an unpaid balance of {$82.00}. I called XXXX and worked with them to find out they had erroneously left charges on my account that I was not aware of. When I asked why they had n't reached out via email, they said they 'd attempted to reach me on the disconnected number ( why, I 'm not sure ) and that when they could n't reach me they sent the debt to collections ( I C Systems ). Now, XXXX claims that it 's now " out of their hands '' and that I have to work with I C Systems. However, when I call them, they just repeatedly tell me " pay us '' and refuse to work with me otherwise. This has negatively effected my credit and my ability to obtain a line of credit that I would otherwise have been able to get. It 's very frustrating and am hoping that someone can provide some assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2017-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: T V provider sent me into collections stating that I ordered a " pay per view '' movie on their system and I owe them money for it. However, with this particular provider in order to order a " pay per view '' you had to have a " Land Line '' in order to submit in the order. I have not had a land line for over 20 years and have only had my cell phone. When I turned in the equipment upon moving and they audited the equipment the equipment showed that we tried to order a " pay per view '' ... .However, we never actually received the " pay per view '' because the order did n't take in their system. Since we did n't receive it we did n't and wo n't pay for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2017-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit collection agency " I.C. SYSTEMS '' is DOUBLE-REPORTING an account for {$160.00} on my XXXX credit report. I. C. SYSTEMS did correctly report only one account on my XXXX XXXX credit report, but have taken the illegal liberty to report the same account twice to XXXX XXXX. Such reporting was done within a few days of each other. I disputed the duplicate reporting to XXXX on XX/XX/XXXX and received confirmation number XXXX. However, I.C. SYSTEMS confirmed that both accounts are mine, which is incorrect. Both accounts are NOT mine. Only one account is mine from the original creditor, XXXX/XXXX XXXX XXXX. Again, today, XX/XX/XXXX, I disputed the information with XXXX and received another confirmation number, XXXX. However, as a result of I.C. SYSTEM 'S incorrect reporting, my XXXX credit score nose-dived about 40-50 points, which is COMPLETELY UNACCEPTABLE because it is based on their erroneous error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44125
Submitted Via: Web
Date Sent: 2017-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I requested internet services from XXXX on XXXX XXXX, XXXX. The technician scheduled to set up the internet services at my residence never showed up during his scheduled window of time, nor did anyone call to reschedule. I never received the hardware that was part of my internet services requested because the technician never came. A bill was received dated XXXX XXXX totaling {$110.00}, I did not pay this bill because I did not receive the internet services. I called XXXX to explain the situation and close the account, as services had not been rendered. I explained that I would not be paying the bill dated XXXX XXXX and wanted to close my account. The person I was speaking to could not cancel my account themselves, apparently, so they transferred me to the account cancellation department. As soon as I was connected to a representative in the account cancellation department, I was hung up on. For personal reasons, I moved out of the residence I requested internet services for during the first week of XXXX XXXX. I received a bill dated XXXX XXXX totaling {$190.00} and called XXXX again to officially cancel the account, as my first conversation with them did not result in cancellation. The account was officially cancelled with XXXX over the phone on XXXX XXXX, XXXX with the balance owed being {$0.00}, confirmation # XXXX ( I have a record of one version of the cancellation confirmation number being # XXXX ). I received another bill dated XXXX XXXX totaling {$190.00}. I called XXXX Customer Service again to confirm the cancellation and that no amount was owed. I received yet another bill dated XXXX XXXX totaling {$300.00}. This time, I determined that calling representatives was not effectively clearing the account balance and stopping the bills from being sent. I wrote a letter dated XXXX XXXX ( photo attached as a file to this complaint ) confirming the sequence of events, my account number, and my cancellation confirmation number. I detached the portion of the bill you are supposed to include with your mailed payment, included it with the letter I wrote, and mailed both to XXXX. I received a letter from I.C. System, Inc., a debt collecting agency, dated XXXX XXXX, XXXX requesting that I remit payment for the amount of {$300.00} with XXXX being the creditor. I will send a letter on XXXX XXXX, XXXX to I.C. System, Inc. to request verification of the debt and that they contact me no further, outside of debt verification, while I dispute the debt. I am submitting this complaint today ( XXXX XXXX, XXXX ) in an effort to get all parties at XXXX on the same page, so that I no longer have this " debt '' for services not rendered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2017-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: IC SYSYTEMS CONTACTED ME, XXXX XXXX, AT WORK TRYING TO COLLECT A DEBT FOR XXXX XXXX IN MY HUSBANDS NAME. WE RETURNED THE EQUIPMENT AND PAID THE BILL. CALL CAME FROM XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have checked my credit report and XXXX states that I have XXXX collection accounts under XXXX XXXX XXXX XXXX. When I review the accounts, the account information has been repeated therefore the same account shows twice on the credit report. I informed XXXX of the issue but they do not address the issue that the same accounts were posted twice on the credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2017-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I will like to request that a investigation be conducted against I C Systems INC, for failure to honor my request of validation of a debt and providing a notification of the debt per the FDCPA. A dispute was filed with XXXX and XXXX circa XXXX XXXX in regards to an account that had previously been dispute and removed by a previous company regarding a debt that is not mine and I have no knowledge. The account number is Account Number : XXXX in the amount of {$440.00}. Per my rights within the FDCPA I request a validation of the debt. My request has not been filled and the company is in violation by not validate the debt within the 30 days allotted per the FDCPA. Yet the account is still showing as a negative account on my credit report, although they fail to validate the debt. Status : Collection account. {$440.00} past due as of XXXX XXXX. Status Details : This account is scheduled to continue on record until XXXX XXXX. This item was updated from our processing of your dispute in XXXX XXXX. I have not receive any written communication from I C Systems INC informed me that they now have the debt and my right to dispute. The company brought the account without proper validation because it was delete previously and are now reporting a invalid debt negatively which can have on me my and now I request that an investigation is complete for their failure to comply with the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2017-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My name is XXXX XXXX and I received a copy of my credit report and was shocked to see two collections for XXXX XXXX XXXX/XXXX XXXX. I have never had that service but my father did. When he became ill I would help him when I could. He would give me his account information and I would pay his bills for him, or run errands, pick up groceries and things like that but at no point was my name on any of his bills. As a son I would just help him when he needed it. After he XXXX XXXX I no longer had access to his private information nor did I need to. My father 's name was XXXX XXXX and I do n't see how they can get that confused with XXXX but there is diffidently a confusion. Those two bills are not mine and have never been mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32904
Submitted Via: Web
Date Sent: 2017-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: In XXXX of XXXX, I had a billing dispute with XXXX XXXX. As a result, XXXX XXXX stated I owed XXXX dollars. I disagreed and grieved the bill through XXXX XXXX. I never heard back from XXXX XXXX. Yesterday, XXXX/XXXX/XXXX I applied for a 30 year fixed mortgage. I wa advised that my credit that was over XXXX points last year was now XXXX. This adversely increased what my mortgage rate would have been if XXXX XXXX or the collection company had allowed me the opportunity to grieve or respolve the dispute. As a Result, I was forced to pay a bill in hopes the adverse bill could be reversed. This is extortion. I requested notification and records of the notifications of this outstanding bill that neither XXXX XXXX nor the collection company would nor could produce. I repeat, I was never notified that my credit was going to be adversely affected by XXXX XXXX nor the collection agency. After I paid a bill I was never notified about, the collection agency stated I would have to call XXXX XXXX to have this blemish removed from my credit, when I called XXXX XXXX, they stated I needed to call the collection agency. Someone needs to be accountable for this bully tactic. I am available for further comment or information if necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A