Date Received: 2016-12-01
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX continued to bill me erroneously for service after I physically visited them in XXXX on XX/XX/XXXX and cancelled my service and turned in my equipment. XXXX confirmed by phone finally in XX/XX/XXXX they had located paperwork indicating I had cancelled my service and should not have been billed. The paperwork was sold to collection agencies - this is # XXXX and is now being erroneously reported as a collection on my credit report. IC Systems is falsely reporting a collection for a debt I do not owe. My XXXX account was paid through XX/XX/XXXX and service was cancelled in person on XX/XX/XXXX. If anything, they owe me money. I have had over XXXX scores for over 10 years and now Equifax score is XXXX. This is simply not right and not fair. XXXX tells me this is too old to retrieve records since it 's over 2 years. The collection companies automatically think the consumer is guilty. My credit report says otherwise. I pay my bills and I pay them on time and often ahead - way ahead. I want this collection removed from my credit report and my credit score restored. I do not owe anyone anything! For XXXX years I 've had to put up with these collection agencies calling constantly and sending letters trying to collect a XXXX debt I do not owe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2016-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-30
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Consumer Complaint: Me & my fiance were contacted by a collection agency yesterday afternoon, and feel we were treated unprofessional, inappropriate, & the issue was not taken care of. We felt uncomfortable releasing personal information about ourselves over the phone first of all. Second, the case workers were very reluctant to give us information on how or who we can contact in order to resolve the problem. Overall we feel that we could have been treated more professional.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63401
Submitted Via: Web
Date Sent: 2016-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-01
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I currently serve in the military and have been for the past 16 years and have relocated XXXX times. I 'm aware of the process and my responsibility of disconnecting services ( i.e.cable, internet, etc. ) I relocated XX/XX/2016 from XXXX, knowing my final date in advance I scheduled all my utilities to be disconnected. Mysteriously, between XXXX and XXXX I did n't disconnect my services ( although I have emails stating I did ). I left XXXX in XXXX and paid my final bill to XXXX with my disconnect date of XX/XX/2016. I was charged for the months of XXXX although not only do I have the disconnection email, I moved from XXXX to XXXX. I called and called in an attempt to figure out what this harassing email was regarding a payment. XXXX informed me I do n't owe anything with XXXX I owe XXXX, XXXX told me I did n't owe them anything I am actually scheduled for a refunded credit that will arrive in the mail. I have emails to support this from XXXX to XXXX. Having thought I finalized this dispute. I received a letter on XXXX XXXX 16 from a collection agency stating I owed XXXX XXXX. I called XXXX - I was told by a " XXXX '' I do n't owe anything, I called XXXX I was told I do n't owe anything and it 's from XXXX. I called XXXX again, explaining I spoke to XXXX and then I was transferred to a woman named " XXXX '' in the XXXX Department who demanded me to pay the XXXX. When I asked, " what is this charge from, what am I paying for when I have n't lived in XXXX since XXXX ''. XXXX informs me " it 's a charge for XXXX and XXXX that XXXX paid XXXX on my behalf I owe XXXX ''. I asked XXXX " How do I owe for XXXX and XXXX - when I did not reside in XXXX and I paid my final bill, and I have the emails to prove that intact, I am the one who is due a credit from XXXX ''. She stated I was getting disrespectful and refused to hear what she was stating. I asked to speak to her supervisor and she refused and said her supervisor was busy. I clarified with her what was stated " I am a customer and you 're telling me I can not speak to your supervisor ''. XXXX then tells me " my supervisor is unavailable and I can place a request if for them to contact you in 72 hours ''. I tell XXXX, yes, do that and ensure they call me in 72 hours. XXXX than goes on demanding payment again, and I end the conversation. I call XXXX, " XXXX '' tells me I was refunded on XXXX though my bank account. I inform " XXXX '', I 'm checking my bank now, and there is no such refund. XXXX informs me, " I see that we credited your bank account on XXXX ''. She places me on hold for maybe 5 mins and returns and states " I misspoke, there was a " card '' sent out to you at your address with a refund. I inform " XXXX '', I have not received a refund - and I tell, first you tell me you see that my bank account has been credit, now you 're saying a " card '' has been mailed to me ''. She returns with " I told you I misspoke and I have a number you can call to check the status of the refund " card ''. XXXX gives me a number, and of course the agency is closed. I have never been treated in such a manner as if I 'm someone who does not pay my bills. I am a XXXX. XXXX XXXX, with 16 years of Service and I have NEVER been as disrespected and treated like I 'm some " criminal '' when I 'm asking how do I owe money, and NO ONE from XXXX or XXXX or the " Collection Agency '' ( IC System ) could give me a straight answer. I am outraged and livid with the way these XXXX agencies have treated me. I have never felt more humiliated from the way I was treated and spoken to as if I do not pay my bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42701
Submitted Via: Web
Date Sent: 2016-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: In XXXX XXXX Technician replaced equipment at my home and left the old equipment there, the technician stated Fed X would deliver a paid shipping box I could put it in and send to the XXXX office. No box showed up XXXX auto charged my credit card {$460.00}. When I inquired why I had been billed for the equipment I was told I had to physically bring it to the office, I would receive a receipt and be refunded the {$460.00}. I returned the equipment and was given a receipt but was not refunded the money, I attempted several times to attain the refund over 30 day period without luck, in the end I disputed the charge through my credit card company. They in turn worked with XXXX and ended up reversing the charges, crediting my credit card the {$460.00}. Shortly afterwards I got a call from a collection agency trying to collect the debt. Then I spent the next 2 years dealing with them, they reported the debt to all three credit reporting agencies, then I disputed, the credit agency verified, and it was removed from my credit file. Then another collection agency called to collect the same debt, I explained and they still attempted to collect, sent them a letter requesting they validate the debt, never heard back from them. Now, XXXX, another collection agency, IC sytem is trying to collect, I have spoke to them on the phone and sent letters requesting they validate the debt and provide me the information. They are saying they have no record of my letters and are basically giving me the run around. I told the person on the phone they had bought a bad debt that did n't exist, she told me IC Sytem does not buy debts to collect on, that they only work for the original debtor. I told them I did not believe that because I have had and presently do have XXXX service, have never even been late on a payment, account in good standing. I think if there was a problem I would have heard from XXXX, seen it on my monthly statement, and if not paid my service would have been disconnected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32404
Submitted Via: Web
Date Sent: 2016-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: I filed bankruptcy XX/XX/2015 I continue to get calls from these debt collectors even though the charges have been dropped. When I answer there is rarely anyone on the other side and they call often
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have been called at least three times a day for over a month. The caller usually hangs up. or transfers me to a machine that says to hang on for a representative who has 'important ' information for me. At this point someone demands that I verify my name. I then ask them who they are and what they want. Twice they 've hung up at that point. Once the caller said " I 've already told you who I am. Answer my question '. at which point I hang up. I have called one of their numbers and told them to stop calling. They continue to call anyway. On XX/XX/2016 I finally received a letter from them. It says I owe {$53.00}. But does not state whom the creditor is ; what it 's for ; or when this debt was supposedly incurred. It continues on to say they are 'scheduled ' to report it to the National Credit Agencys if this is not paid in an unspecified period of time. I have perfect credit. I do not believe this is my debt. In the unlikely chance that it is mine. It is beyond the statute of limitations. Regardless, they are harassing me on a daily basis and I want it stopped. Please note : i have already filed complaints against them with the FCC for harassing phone calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62301
Submitted Via: Web
Date Sent: 2016-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-26
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: When I called to clear debt the company had XXXX information about the debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45236
Submitted Via: Web
Date Sent: 2016-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-23
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Due the the fact that in the above choices I have to choose from in the above box. My choice is not represented well so I had to pick one because my situation is based on the legal right to operate in the State of Texas as a debt collector and IC System Inc. does n't have the right to collect debt in the State of Texas. I am going to provide you with the Creditors Validation Letter I sent to them, I am going to provide to you the research from the State of Texas Debt Collectors Website to prove they are illegally trying to collect a debt. Finally, I am going to provide the certified mail document showing when they received the Creditor Validation Letter. This is a XXXX Account that never got service by XXXX because at the times of XX/XX/2012 and XX/XX/2012 they was not any service in my area for XXXX. What I am saying is they did n't offer service in my area so they closed the account out but still tried to bill me for an area they did n't service.
Company Response:
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2016-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: An account was opened with part of my information, not even all of the correct information and I closed immediately after. I never received service from XXXX XXXX, was never hooked up to XXXX XXXX, and never had a valid account. However they sent me a bill, when I called to dispute I was given the run around and transferred from department to person over and over then eventually hung up on. I have been hung up on multiple times while trying to call them to dispute this. I have sent emails to their company where they either do not respond, or tell me that the issue has been resolved. Only to find that I get another bill. I called again and was finally told the issue was resolved and my name ( even thought not even spelled correctly ) had been cleared. I had't received a bill in months, only to now get a letter from a debt collectors agency. When I called XXXX XXXX again to speak with a higher up manager, they hung up on me, again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97402
Submitted Via: Web
Date Sent: 2016-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-18
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: On XXXX XXXX, 2016, IC Systems placed a derogatory report on my credit report for what is described as " XXXX XXXX ''. I was never contacted about this account. I have disputed that this account belongs to me with the credit bureaus. By Law, IC Systems is required to contact me and at my request, provide me with proof of who owns the debt, who owes the debt, what the debt was for and the time frame the debt encompasses. IC Systems has done none of this. In fact, they have violated several FTC rules : 1 ) Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. I was NEVER contacted ... ... EVER. 2 ) Debt Collectors may not : give false credit information about you to anyone, including a credit reporting company. By reporting to the credit agencies without contacting me and proving/validating the debt, they are providing false information to the credit reporting agencies. If the debt is indeed mine, it is over six years which is the Statute of Limitations in Arizona. This also makes the debt noncollectable. What IC Systems is doing is fraudulent and intimidating. Plus, my credit score dropped XXXX points the day their report hit my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90012
Submitted Via: Web
Date Sent: 2016-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No