Date Received: 2016-01-27
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I was contacted by I.C. Systems about a year ago, they called my cell phone repeatedly until I picked up. They asked me to confirm my information, to which I asked who they were. All they said was I.C Systems, I said " OK. And who are you? '' They told me they needed me to confirm my address, after multiple attempts I got fed up, and gave in to giving them my address. They told me that I owed them money from a previous doctors bill. I asked them to verify the information they were talking about. They could n't. They just told me that I owed them money from a doctors office. I told them they needed to send me information on this, to which they responded " We sent out a letter yesterday, we need you to make a payment. '' I told them I was n't making a payment to them without any information. They told me the letter was in the mail, to which I replied " ok, when I get the letter in the mail and review it, I 'll call you back. '' They called me again and again, same song and dance, telling me I owed them money and I needed to pay it. I told them I never received any paper work form them. They got very nasty with me and told me that it was sent out and that I needed to make a payment. I told them I would review the paperwork when I received it, and I would call them back. They kept calling, and I did n't pick up. It 's now a year later and I still have not received anything from them in the mail, even after confirming my address with them. This is harassment. They are non-stop calling, have n't sent me any information, they do n't confirm that they are a collection company or that they are collecting a debt and are very nasty. I have no problem paying my debt, but it wo n't be before I have any written information. This is now destroying my credit, because it 's been on there for a year, and I have n't received anything in the mail. I really hope that you can do something about this company because they have tons of bad reviews and do n't seem very reputable.
Company Response: Company chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2016-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a XXXX service and i finished the contract before time. They have a 2 years contact. I had to finish my service because first of all they lie to me about pricing, and the quality of service. First, they gave me a price and the bills charged me the double of the price offered to me. Second, they said that the service was the best even with rain or winds, signal never would be lost. That was a lie and they even had to take that commercial tv off. With a couple of drops of rain and a little bit of rain signal was lost for hours. I did n't like being insulted that way. So, i decided to terminate my service.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33125
Submitted Via: Web
Date Sent: 2016-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Called XXXX twice. I answered both calls and no one was on the line. The line disconnected. Have called 13 times in the past four days, not including the two calls listed above. These calls I did not answer. Researched number on web to find out it belonged to I.C. System, INC. XXXX, XXXX XXXX, MN XXXX. These are obviously robot calls.
Company Response: Company chooses not to provide a public response
State: PA
Zip: 17403
Submitted Via: Web
Date Sent: 2016-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A. I have twice notified IC System ( " ICS '' ) in writing that I dispute the validity of the entire debt which ICS is attempting to collect from me. Both notifications were delivered to ICS within the 30-day window provided under XXXX XXXX XXXX ( a ). B. Accordingly, a debt collector ( " DC '' ) must cease collection of the debt, or any disputed portion thereof, until the DC obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the DC. XXXX XXXX. XXXX ( b ). C. ICS has not ceased calling me after I informed them in writing that I dispute the entire debt. ICS has further failed to provide me with any verification or evidence of a debt owed by me, as required under XXXX XXXX XXXX ( b ). D. In XXXX letters to ICS, I provided indisputable evidence that this debt is invalid. Such evidence included a statement from the " creditor '' for whom XXXX claims to be collecting a debt, showing that my account does not have a negative balance ; to the contrary, " creditor '' owed me a credit. I also attached evidence that the " creditor '' credited my account on XXXX XXXX, 2016. E. In XXXX letters, I notified ICS that I refuse to pay ICS anything, as no such debt exists, and that ICS that it is required to cease further communication with me. Accordingly, ICS is required to do so pursuant to XXXX XXXX XXXX ( c ). F. By law, after such notification, ICS may only contact me for the following reasons : ( 1 ) to advise the me that ICS 's further efforts are being terminated ; ( 2 ) to notify the me that ICS may invoke specified remedies which are ordinarily invoked by such XXXX ; or ( 3 ) to notify the me that the ICS intends to invoke a specified remedy. G. ICS has continuously failed its statutory duties, as it has proceeded to call me 3-5 times/day for the past 3 weeks following receipt of my first letter. ICS has left no message, nor have they mailed me any notification, stating that their efforts to communicate me are for XXXX of the XXXX lawful purposes allowed under XXXX XXXX XXXX ( c ). For this reason, I presume that the calls are unlawful under XXXX XXXX. XXXX ( c ). H. As these calls do not fall within the XXXX categories enumerated above, these calls may be considered an attempt to harass, oppress, or abuse any person in connection with the collection of a debt, as defined under XXXX XXXX XXXX. Federal law prohibits a DC from causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. XXXX XXXX. XXXX ( XXXX ). Federal law also prohibits a DC placement of telephone calls without meaningful disclosure of the caller 's identity. XXXX XXXX. XXXX ( XXXX ). I. In its letter to me regarding the debt, ICS threatened to report my information to credit reporting agencies ( " CRA '' ). Before reporting my information to a CRA, ICS must conduct a reasonable investigation of a direct dispute. XXXX XXXX XXXX ( a ). After receiving a dispute notice from me, ICS must conduct a reasonable investigation with respect to the disputed information ; review all relevant information provided by the consumer with the dispute notice ; complete its investigation of the dispute and report the results of the investigation to me before the expiration of the period. XXXX XXXX XXXX ( e ). In addition, if the completeness or accuracy of any information furnished by any person to any CRA is disputed to such person by a consumer, the person may not furnish the information to any CRA without notice that such information is disputed by the consumer. XXXX XXXX. J. In light of the evidence presented by me, I have reason to believe that ICS still reported my information to CRAs, and has yet to correct such misinformation.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2016-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I am a victim of Identity theft, as soon as I was notified of this I immediately informed the FTC as well as all XXXX major credit bereau 's and any corresponding debt collectors or agencies. I initiated several disputes in compliance with federal law. My disputes were granted and the fraudulent info was removed from all XXXX of my credit files. As of XXXX/XXXX/2015 I was given notice by letter from the reporting agencies stating that after a thorough investigation my disputes will be honored and this fraudulent information will forever be removed from my credit file. The false info affecting my credit file is XXXX XXXX. This fraudulent info has now reappeared on my XXXX credit report again and displays even more fraudulent info that is inconsistent with the initial claim : I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, 2015 Collection Agency I C SYSTEM Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2015 Closed Date -- Responsibility Individual Balance {$230.00} High Balance {$230.00} Remarks Placed for collection
Company Response: Company chooses not to provide a public response
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2016-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Collection agency continues to call, after I have written to them ( 1 ) disputing the debt ( the debt is disputed, and no explanation has been provided, despite repeated requests from me for such explanation ), and ( 2 ) telling them that continued contact was prohibited after such written notice of dispute. They call from XXXX different numbers, to both home and cell phones, 4-5 times per day, every day.
Company Response:
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2016-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I manage my moms finances as she is XXXX and no longer able to handle. I pay her bills online. She had a bill due to XXXX XXXX ( an XXXX company ) for {$38.00}. I confirmed this amount in a phone call to XXXX on XXXX/XXXX/XXXX. I spoke with XXXX. This amount was paid electronically via my mothers online bank account and confirmed delivery to XXXX on XXXX/XXXX/XXXX. Today, XX/XX/XXXX, I received a letter from a collection agency IC SYSTEM saying I owe {$38.00} as of XXXX/XXXX/XXXX. I immediately called XXXX and according to their automated System the balance on the acct is {$0.00}. No one was available in billing because today is Sat. Since my mother 's bills come to me they have put my name in collection for no reason and damaging my credit rating which has been stellar to date ( XXXX ). I am getting harassed by this collection agency with many calls throughout the day leaving no messages. Thank you.
Company Response:
State: PA
Zip: 19064
Submitted Via: Web
Date Sent: 2016-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: i am a victim of identity theft and someone open and bill for XXXX in my name. i have sent the police report to this company for proof that the account isnt mine and it is still on my credit report
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2016-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-28
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: Time warner cable sent the account to collections prior to me returning their equipment after I cancelled the service due to a move about one month ago. The debt collector, IC systems, never contacted me about the payment and instead, they called my partner to say there was a debt owed by me, revealed the account it related to and the total amount due. As per the FDCPA, this is a clear violation as they can only contact relatives and the like to LOCATE the person. They can not reveal identifying information. What is more of a problem however is that they never attempted to reach me prior to making this call. I have no missed calls, mailed letters, emails or the like from anyone matching the company number. I also do not have any missed calls in general from any unknown numbers as I went through my call log for the last month to see if I had somehow missed a call.
Company Response:
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2015-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-25
Issue: Taking/threatening an illegal action
Subissue: Attempted to/Collected exempt funds
Consumer Complaint: For nearly 2 years, one collection agency after another, harassed me by phone at irregular times with questionable business/collection practices. When I wrote back disputing the facts and offering to pay what was ( less than ) the fair amount owed, the agencies transferred collections repeatedly and continued to place inaccurate record on my credit. they repeatedly did not answer to my fair, final settlement to pay and settle and totally stopped communications this year. IC systems have been less than fair when it comes to my end of the negotiation and writing to settle. copies of my effort to communicate, offer to settle for fair actual amounts owed were in vain, and are available for review, if needed. please help me get this monkey off my back and restore my credit. thank you.
Company Response:
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2015-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No