Date Received: 2017-03-17
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: This is a complaint from XXXX XXXX against IC Systems for IC Systems 's failure to provide requested information for the debt alleged. As of XX/XX/2017, IC Systems has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2017-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I C System reported a negative information on my credit report. The debt does not belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92307
Submitted Via: Web
Date Sent: 2017-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-16
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: We were clients of a XXXX hard line telephone service for ( 40 years ) and Internet service providers for over 12+ years. We no longer wanted a hard line phone as we did n't use it, it was a total annoyance, and my wife and I both had mobile phones. I got in touch with XXXX and explained to them my desire to discontinue our telephone service. ( I 've had this telephone for over 40 years. ) XXXX said that they could remove the phone line but they would only credit our monthly service bill for only {$4.00}. Our bills indicated that XXXX was charging us {$30.00} per month for just the telephone service. Due to length of time we were clients, we were no longer under any kind of service contract with them. We decided that XXXX was only interested in bilking us for service we no longer wanted or needed. They were also providing us with a very slow internet speed, a service they no longer, in fact, provided to new clients because, " It was too slow ''. My wife and I decided that it was time to leave XXXX because we no longer felt they were being ethical or reasonable in their business dealings with us. We found another XXXX who would provide excellent service, at a charge far less than XXXX, and treat us with respect and honesty. We ceased using XXXX services on XX/XX/2017. I called XXXX to discontinue service with them and return their modem, which I did immediately. At the very end of my conversation with the service representative to close our account he told me that XXXX would charge us {$150.00}. for a disconnection fee. I have been with the company for over 12+ years, we did not have a current service contract with XXXX , nor any written or verbal agreement that there would be any disconnection fees applied to us whatsoever. I asked XXXX to provide proof of this " contract ''. They never provided proof of a contract as they promised to do. Is this their way of conducting business with long-term clients? XXXX followed up by only sending us a non-itemized bill in an attempt to bury this fraudulent charge inside our final bill, without ever providing us with any proof of our responsibility for such a contract charge. They are not being ethical in dealing with us. They have not sent the proof we requested, but instead have turned the matter over to a collection agency. We absolutely dispute that after over 12 years service we were still under a " contract ''. This is a false claim on their part. Plus they are not furnishing us with a bill that itemizes and dates all charges. I find this a rather unsavory way to conduct business, especially with a long-term client. Yesterday, we received a letter from a collection agency working for XXXX without any itemization or explanation of charges. Just a final bill amount, without any documentation, nor " proof '' of a " contract '' which XXXX claims we had, but will not show us. How can we know what we are being charged for? We were also informed by a XXXX telephone agent over 6 months ago that we were " no longer under any contract with them currently ''. How do we go about having this {$150.00}. unsubstantiated charge for disconnection by XXXX dismissed? XXXX refuses to deal with this matter in a civilized way. They are demanding payment for something that they have not provided evidence of. This is unprofessional and arrogant on their part. We have always dealt with them in an ethical manner, they are not responding in kind. In my research on XXXX on the web I 've noticed that XXXX has a multitude of lawsuits against them for their poor business practices all over the USA. It appears as though I am not alone in my complaint against them for unprincipled business practices. They appear to be too big and powerful, that they feel the law does not apply to them. We need more choice, not more mergers! Competition will provide for better service. A
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2017-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-15
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: The collection company has ignored my request to validate the debt and continues to report the alleged debt even after I have disputed the validity of the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2017-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-16
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Consumer Complaint: I am desputing a debt that was put in my name, that should be in my father 's name. I am XXXX XXXX XXXX my dad is XXXX XXXX XXXX. I am including my fathers birth certificate. I am not liable for this debt, it is not the first time they put fraudulent debt on my my credit that belongs to my dad. I was still in high school, I was not working to pay for the XXXX XXXX bill that was my dad 's responsibility. This was previously removed and has been added again when it should never have been there in the first place. Please remove the following debt listed below from my credit report. My email is, XXXXXXXXXXXX. You can respond to this email address. Thank You for your understanding. Sincerely, XXXX XXXX IC Systems XXXX XXXX XXXX, 2016. This is for a XXXX XXXX bill of XXXX, that my father 's owe. This is debt was removed and added again, when it never should of been on my report, Please have it removed again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2017-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid off a credit cell phone bill for XXXX in XX/XX/2012. Since XX/XX/2012 this bill has been passed around and opened in my credit report by different collection agencies. I have had to dispute 3 times with XXXX and the debt was removed and now it is opened up again on my XXXX report by a new collection agency. On top of all of this I am being harassed and called.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2017-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I have been experiencing problems with my credit and noticed on reviewing my reports that there is an account entry that I did not authorize to be opened in 2013 with a financial institution that I no nothing about. Please assist me in obtaining complete validation of this account to include information and documentation that was used to validate the identity of the person who opened this account and the information and detail used to confirm that it was indeed me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2017-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This was a result from a XXXX service that I did not received in XX/XX/XXXX while I was XXXX. I had paid over {$400.00} regarding the service I did not get & disputed this issue with XXXX repeadly while I was XXXX. Then two years later in XX/XX/XXXX I get the harassing phone calls and mail claiming that I owe this collection agency over {$700.00} and they asked for documents I could not provide. I physically went back to the XXXX store in XXXX, Ga where I originally purchased the phone but they claimed that they no longer have any documents regarding my transactions with them and apologized for the failed service. The collection agency repeatedly kept asking for proof of purchase that the XXXX store can not provide. I paid for a service I did not get and should not have to pay or owe this collection agency anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32937
Submitted Via: Web
Date Sent: 2017-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: This is XXXX account, XXXX medical bill owed and they reported each bill individually on my credit. It was maliciously reported and likely illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2017-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Never had XXXX always live at home. they can validate this debt. its removed before reinserted. never had contract with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No