Date Received: 2017-03-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Original Creditor Name IC SYSTEMS is incorrect as I have never signed an application with any company named IC Systems, There was an account I paid off that was a XXXX account it was posted on the XXXX account as XXXX and then as XXXX/XXXX/XXXX AK.A XXXX opened in 1998 ended as the phone was recalled and they did not want to replace it but - This account was paid to XXXX Acct # XXXX this is A PAID account that has been re-aged several times it is more than 12 years old.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2017-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37217
Submitted Via: Web
Date Sent: 2017-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-25
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I am a victim of identity theft and noticed a collection from IC SYSTEM. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEM in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2017-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-25
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I owned a house at XXXX in XXXX, Louisiana from XX/XX/XXXX to XX/XX/XXXX. In about XX/XX/XXXX-XX/XX/XXXX, XXXX had begun offering new DSL internet service in that neighborhood. XXXX advertised a " deal '' to entice new customers which included DSL internet service for about {$20.00} per month for the first 6 months of service. The " deal '' required the customer to purchase a DSL router ( from XXXX for about {$200.00} ) and included a rebate of {$200.00}. I subscribed to this service and began receiving monthly bills for the service a short time later. Days later, I also sent the rebate request form with all required information to receive the rebate as had ben advertised and promised. Contrary to what I had been told previously by XXXX representatives , XXXX technicians determined that the wiring in my neighborhood ( as well as on my property and residence ) was inappropriate for the XXXX DSL internet service. An XXXX technician laid and buried seemingly hundreds of yards of cable to service my house. Laying this cable also required unearthing about XXXX yards of my lawn, for which the unanticipated onus of restoring the destroyed lawn became mine. The DSL internet service functioned for a minimal amount of time once appropriate wiring was installed. Thereafter, many phone conversations with XXXX technical support staff were incurred at my time and expense. These attempts at resolving the failure on the part of XXXX to provide internet service as they had agreed were fruitless. XXXX technicians made several trips to work in my neighborhood and inside my residence for the benefit and functionality of their communications infrastructure ; I was required to be present at my time and expense. The problem was not resolved, and XXXX failed to provide the service for which I had purchased. On one occasion, an XXXX technician even expressed his dismay to me and considered XXXX " stupid '' and " greedy '' for initiating an offer for the DSL internet service with neither proper infrastructure nor proper preparation and consideration for their technicians in my locale to provide these new services. Usable and functioning DSL internet service was unpredictable, but the likelihood was always great for prolonged outages lasting for days. All the while, XXXX continued to charge me for the service for which the company did not provide. As ( dependable ) internet access became a more important requirement for satisfying the requirements of my job, I subscribed to Cable Internet with XXXX. I called XXXX concurrently to cancel my subscription, but XXXX representatives resisted my request for cancellation ; threatened to charge a cancellation fee ; and fused to investigate the status or issue my rebate ; despite XXXX having not provided services as agreed upon. In a subsequent phone conversation with XXXX representatives in the following days, an XXXX representative " closed my account ''. Even after this encounter, I received an additional bill ( for an amount less than {$100.00} ). After another phone conversation with XXXX representatives, I was informed my service had been terminated and my account had been resolved and closed. These encounters came at my time and expense. At no time have I since received any correspondence, notification, or communication from XXXX ( or any debt collection agency on behalf of XXXX ) informing me of any debt, outstanding balance, or account in collections. This evening, while planning to buy a house and having always paid incurred bills on-time and in-full, I was shocked my XXXX credit report indicated a past due amount of {$230.00} listed from an original creditor " XXXX FORMERLY XXXX '' under an account named " I C SYSTEM INC '' opened on XX/XX/XXXX. This is an improper and/or fraudulent charge, whether through the incompetence of XXXX or through a willful disregard for the law and misuse of a financial product.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 713XX
Submitted Via: Web
Date Sent: 2017-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX said I owed XXXX to their company for services. I have never had XXXX XXXX.. I had this account removed from my credit bureau. They have since sold the account two other times to different collection companies who in turn keep putting this as a collection account on my credit reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48045
Submitted Via: Web
Date Sent: 2017-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: After they called a few times I googled the number and it appears to be some sort of debt collector. They will not say why they 're calling and ask for personal information without explaining why. If I do n't answer they do n't leave a message. I have not received anything in writing about any debts owed, so if they are indeed debt collectors they either have the wrong number or have failed to inform me of what the debt is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77036
Submitted Via: Web
Date Sent: 2017-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have been receiving calls from IC Systems stating that I owe over {$1000.00} for a debt from when my son was born. When they first contacted me, they had an address on file that I had n't lived at for years. They also gave me a medical group that I have never used, but they used my sons doctors name who has also never worked for that medical group. I have repeatedly told them this is not my debt. I have contacted my sons doctor asking about this, they know nothing of it. I then called the hospital where I had my son. They also have no record of this. Both the hospital and sons doctors office say they have never used IC Systems as their collection agency. IC System is stating that my son did not have insurance for the first 3 days of life, but I called his old insurance and he did. They have not had correct information for a few things and I have been reserved about giving them more information because I stupidly gave them my current address the first time I talked to them before knowing what they wanted. They will not stop calling and I have told them I disputed the charges but they still say this is my debt. I never check my credit report but once they contacted me, I checked at once and found that this is on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2017-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Collector says I owe money for additional plumbing services. I paid the plumber in full and on time ( have receipts ). I immediately asked collector to validate the debt and to communicate only in writing. I have never paid a bill late in my life. Despite my poor finances, I offered collector {$100.00} to make the issue go away. This seems to have emboldened them. Collector reported the fake amount to credit bureaus, plunging my FICO score. If my future employer orders a pre-hire credit report, I may not get the job. I moved out of state ( to save money ) and filing legal action there would be an unmanageable hardship. Today a collector harassed the receptionist where I work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53045
Submitted Via: Web
Date Sent: 2017-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-21
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I C SXXXX COLLECTIONS # XXXX XXXX , MN XXXX XXXX Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$450.00} Date Updated : XX/XX/XXXX Original Amount : {$450.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due XXXX {$450.00} XXXX Pay Status XXXX In Collection XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR XXXX PLACED FOR COLLECTION XXXX Estimated month and year that this item will be removed : XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2017-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX has submitted a collection three times on a bill that I do not owe. I have disputed it this collection twice before with XXXX CRA 's and it was removed. Now they have placed it with a XXXX collection company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 992XX
Submitted Via: Web
Date Sent: 2017-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No