Date Received: 2022-04-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a debt validation/verification/dispute letter to this collection agency. This debt is not reporting as " consumer disputes '' on my credit profile. This was sent certified mail with return receipt and I did get a signed return from I. C. system. tracking number : XXXX XXXX XXXX XXXX XXXX The agency has failed to report this account as disputed, this agency has failed to provide evidence this debt belongs to me. Please remove this debt from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Do to this recent derogatory mark on my XXXX credit report iam unable to apply for a auto loan this was reported on my credit XX/XX/2022 this is a result of identity theft I would sincerely appreciate for this to be removed and deleted from my credit immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: My credit report lists a delinquent account past due. This delinquent account is mentioned by the debt collection company -- I C SYSTEMS COLLECTIONS For the entity -- XXXX XXXX Its address listed as XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX Single family Address ID : XXXX Report number : XXXX XX/XX/2019 Amount XXXX Account number XXXX I, XXXX XXXX, have never procured anything from XXXX XXXX. I have never ever lived in state of XXXX never lived at the above address. I have tried to contact the XXXX credit reporting companies as to why they report this on my Credit Report and have not received any answer from the XXXX companies, XXXX XXXX XXXX XXXX XXXX I tried contacting the I C SYSTEMS COLLECTIONS and did not get any response. Can you please help me sort this issue from my credit report. This has impacted my credit score and my financial history negatively. Thanks XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92782
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: BILLING ERROR DISPUTE FCBA XXXX Claims as of XX/XX/XXXX, Substantial Intentional Misrepresentation/ Bad Business Practices : XXXX XXXX continues to Assert False Claims while failing to provide evidence other than a false billing statement. The only evidence that can validate this " alleged debt and justification for the Administrative Chargeback '' is PROOF that I indeed breached the contract regarding Early Termination. XXXX XXXX has NEVER provided this evidence. However, I have successfully proven that it proves this merchant 's fraudulent and deceptive business practices increase revenue and extort profits. XXXX XXXX continues to assert that the charges were valid due to the early termination of my service before the promotional expiration period in breach of contract, justifying the chargeback of the gift card and outstanding debt of {$170.00}. My documents prove that I satisfied the requirements to earn the promotional gift card, with an open account date of XX/XX/XXXX, verified by contract and XXXX hard inquiry credit check. My attached evidence proves I had service-connected for the minimum 90 days UNDER A PREPAID NO ANNUAL CONTRACT TERMS OF THE {$450.00} BYOD promotion from XXXX XXXX. Any reference to current terms and conditions of their promotional gift cards is irrelevant and does not apply to this case. See attached. Finally, this misrepresentation has denied my Due Process and Expeditious review of my arbitration claim. Accordingly, I maintain my False Claims and FCRA violation assertions, and I. Breach of contract means that the company made you a promise ( either verbally, through a contract, or implied in their actions ) and then did not live up to that promise. 1. include making it hard for you to receive some benefit of a deal or promotion with the company 2. the company tries to charge fees or impose requirements hidden in the fine print so you wouldnt know they were there. I was wrongfully and deceptively charged back for adjusted rebate promotion credits which were used in Good Faith and accordance and compliance with XXXX XXXX XXXX XXXX regarding acceptable use of gift cards ( promo rebate ), resulting in an outstanding balance, referral to the credit agency, punitive charges, in contravention of the predefined policy and violation of my customer rights. As of today, XX/XX/XXXX, XXXX HAS PRODUCED NO EVIDENCE TO SUPPORT OR VALIDATE THE EFT CHARGES. Additionally, when requested by the FCC, XXXX asked for an extension of 14 days to produce these documents. Despite my repeated disputes, NO ONE GAVE ME AN EXTENSION before O NEGATIVE REPORTING TO CREDIT BUREAUS NOR SENDING ME TO COLLECTIONS DURING THE BILLING DISPUTE PROCESS. [ FCC Consumer Inquiries and Complaints ] Re : False Credit Billing and FCRA Violation Complaint against XXXX ________________________________________ FCC XXXX Tue, XXXX XXXX, XXXX, at XXXX AM Reply-To : FCC XXXX To : XXXX XXXX XXXX # # - Please type your reply above this line - # # This ticket ( # XXXX ) has been updated. Hi XXXX, Your carrier has requested an extension of time to respond to your complaint. The Commission has granted your page a 14-day extension to respond to your complaint. Once we hear back from your carrier, we will reach out to you again. Thank you for your submission. THE FACTS REMAIN AS FOLLOWS : My account closure directly results from network incompatibility of an upgraded device on the network after replacing a lost phone and limited options and need for a phone. After repeated attempts to present the contradicting XXXX regarding gift card acceptable use, I am therefore forced to submit this Notice of Dispute. On XXXX, XXXX XXXX XXXX representative XXXX sent an email stating that my dispute had been denied and that no additional concessions would be made when no concessions have been made to date, and XXXX failed to honor the XXXX that they defined. When entering this contract, I agreed before porting services out with a {$0.00} balance and a {$130.00} credit balance. I was directed contact XXXX XXXX XXXX to discuss payment options, where I again petitioned for reconsideration and was presented with a settlement that included the following provisions : 1. Add the IMEI number to the database 2. Gather account details 3. Call to discuss port and favorable incentive to return to XXXX XXXX. On XXXX, XXXX XXXX XXXX Department representative, Al ref # XXXX, reneged on our verbal agreement on the recorded line, breached the terms of the deal, and punitively sent me to collections. On XXXX, I received notice of debt collections. On XXXX, I spoke with XXXX at XXXX, where he would have the back office investigate the miscommunication and follow up with me. No action has occurred, and I have until XXXX to dispute the creditor. FCBA COMPLAINT VIOLATION CHARGES XXXX XXXX, XXXX, XXXX, and XXXX violate the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1601-1667f, and the Truth in Lending Act 's ( TILA ) unauthorized use provision, 15 U.S.C. 1643, Within 60 days of receipt of a written notice of error, the FCBA requires a creditor to 1 ) acknowledge receipt of the dispute in writing within 30 days ; and 2 ) within two billing cycles, or no later than 90 days, either correct the account or investigate, and provide a written explanation as to why the statement is correct. By its acts and practices as hereinabove described, the Respondents have violated the FCBA as follows, without limitation : a. By failing to make appropriate corrections on credit account ending. b. By committing multiple billing errors ; and c. By failing to conduct a reasonable investigation. By its acts and practices as hereinabove described, the Respondents have violated the TILA as follows, without limitation : a. By failing to make the proper allocations, adjustments, and timely credits to Plaintiffs account. b. Violated the compliance requirements under the FCBA billing errors dispute and investigation process As a result of their unlawful conduct, I spent countless hours, often missing work, communicating with several agents and supervisors, and became increasingly worried and confused by the misinformation provided by XXXX XXXX and three credit reporting agencies. After undergoing XXXX and still aggrieved by this unresolved ongoing billing dispute, I grew more stressed and aggravated by the Respondents inability to coordinate a resolution and suffered sleepless nights and anxiety due to the Respondents unfair, deceptive, and abusive practices. The Respondents are liable for statutory penalties and actual damages sustained due to the Respondents ' violations of the FCBA and TILA and attorneys ' fees and costs and fines for the delay. denial of due process during the arbitration process in violation of Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536 RESOLUTION SOUGHT 1. CONSUMER REDRESS 2. INJUNCTIVE RELIEF due to substantial misrepresentations during Arbitration Process to delay and deny expedited due process and resolution before adverse action and physical, emotional, and economic injuries sustained by me ( Complainant ) Case # XXXX XXXX XXXX 3. Full enforcement, protection, and damages under CFPB, FTC, AND FCC LAWS 4. Investigation into UDAAP violations and review of business practices to confirm compliance with the law ( Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536 ) 5. Make account and credit reporting corrections 6. DELETE THE CREDIT COLLECTIONS ACCOUNT FROM ALL 3 REPORTS 7. Reimbursement for payments made erroneously based upon inaccurate billing, collections harassment, and coercion and extortion resulting from FCRA violations and adverse credit reporting 8. Damages for emotional, physical, psychological stress and duress resulting from XXXX Substantial Misrepresentations of UDAAP practices, and failure to provide accurate and reliable information 9. Punitive damages ( penalties and fees ) up to a maximum of {$10000.00} for continuing to engage in unfair acts or practices in violation of Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 022XX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2022, I The consumer notified XXXX now part of XXXX of the continue billing error on account # XXXX that was not updated and got a case # for XXXX, XXXX now part of XXXX representative told I the consumer that it was still a balance due on the account of {$610.00} that I the consumer owe, I notified the representative that I sent Tender of payment pursuant to UCC 3-603 and Endorsed the Instrument WITHOUT RECOURSE pursuant to UCC 3-415 ( b ) through the mail on XX/XX/2022 and it was received on XX/XX/2022 by a XXXX XXXX, at the time the payment was {$510.00}, XXXX now part of XXXX never denied or returned my Instrument therefore accepting the Instrument and still claiming I the Consumer owe this alleged debt that haven't been validated nor verified pursuant to 15 USC 1692g- Validation of debt which is a violation of the ( FDCPA ) federal Law, XXXX now part of XXXX is in violation of UCC 3-309 ENFORCEMENT OF LOST, DESTROYED, OR STOLEN INSTRUMENT as well XXXX I the consumer ask for the supervisor and the representative transferred me over to a ( XXXX XXXX, ID XXXX ) operating out of I.C. System Inc. I thought he was a supervisor, turned out to be a DEBT COLLECTOR which is False or Misleading representation pursuant to title 15 USC 1692e ( 10 ) ( 11 ) -The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer, I the consumer never got FULL DISCLOSER of ANY of these terms, XXXX now part of XXXX and I.C. System Inc. are committing IDENTITY THEFT and FRAUD and is in violation of UNFAIR PRACTICES as well pursuant to title 15 USC 1692f. I the Consumer/Beneficiary demand account # XXXX be updated, credited and zeroed out Immediately or I will file for litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1692k under the civil liability section.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am unsure when this happened, the original debt, but I found out through XXXX XXXX recently not through anybody. I asked them to remove it as I got no notification from the hospital or IC SYSTEM INC. This was a debt that was suppose taken care of with Medicare as well. So this should never have been to collections, the hospital must have side stepped that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45211
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a call from IC SYSTEMS and they asked for my social security number.I asked who I was talking to before I gave that information and they got load told me they would take me to court and garnish my wages and get a judgement.they would not give any other information untill I gave my social security number and I refused untill I knew who I was talking to.very rude.the number they called from was XXXX called back and again they were load and rude and hung up on me.I have no idea what they are calling about because I wouldnt give my social security number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28645
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX of XXXX, the account ( XXXX ) was closed by me, and a XXXX tech came and picked up the equipment, and the final payment to bring the account to a XXXX balance was made in XXXX of XXXX. After the final payment in XXXX, the account was no longer assessable online, and no mail regarding account came to my residence. In XX/XX/XXXX, the XXXX showed up on my credit report. I contacted them as follows : First case number provided : XXXX Date : XX/XX/XXXX Spoke to : XXXX and XXXX ( Manager ) did not provide employee number. ( XXXX XXXX employee ), they stated that they had applied the amounts paid to a different account ( not in my name ), and that they didn't know how that happened and assured me they would resolve the issue. Advised resolution : Balance transferred to XXXX account number XXXX in 7 business days. XX/XX/XXXX - was again advised 7 - 10 days XX/XX/XXXX - promised an email would be sent XX/XX/XXXX - no email and XXXX advised they would send XX/XX/XXXX XX/XX/XXXX - no email sent XX/XX/XXXX - no email. Advised again XXXX - XXXX hours XX/XX/XXXX - escalated to management- XXXX. Provided proposed resolution date of XX/XX/XXXX ( Regular XXXX ) XX/XX/XXXX - spoke with chat agent XXXX who provided ticket number XXXX ( Regular XXXX ) XX/XX/XXXX - Received a call from XXXX. No resolution. I advised I was giving them until XX/XX/XXXX to resolve before escalating further XX/XX/XXXX - XXXX to someone from XXXX named XXXX. Escalated 2 levels Spoke to XXXX and spoke to XXXX who provided new case number of XXXX ( Regular XXXX ) XX/XX/XXXX - XX/XX/XXXX called multiple times to try to speak to XXXX, XXXX, XXXX and XXXX. Left messages. Was promised call backs and never received. Lost access to XXXX XXXX account. regained. Many calls were made in between all of these dates. Nothing was done. Nothing was completed. Instead of dealing with their incompetence, they sold the fictional debt to an outside collection agency in XXXX. I advised collection agency of the same issue, they refused to deal with it, I disputed with the credit bureau and it was removed. In late XXXX XXXX the debt was given back to XXXX ( IC System ), and I had briefly spoke to the woman at IC, who told me they were not wrong, I never paid, I tried to explain the situation. but she didn't listen. I told her she needed to send proof of the debt. She told me they don't have to, if I want it, I needed to send my information to them in writing, but because I didn't send it to them in XXXX or XXXX, that they don't have to prove anything and it's my debt. I tried to dispute again with the Credit Bureau, but there is not enough room in the dispute form to explain the situation, so they denied the dispute and said it was FCC compliant. The dates and amounts of the payments are as follows : XXXX XX/XX/XXXX payment arrangement amount set w/ XXXX XXXX XXXX XX/XX/XXXX ( XXXX-payment made on the phone ) XXXX XX/XX/XXXX payment arrangement made with XXXX XXXX XXXX XX/XX/XXXX ( XXXX-payment made on the phone ) payment arrangement w/ XXXX XXXX XXXX XXXX XX/XX/XXXX Final payment leaving account paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: When i left XXXX i was not informed of any debt to them. And when i got it it was to late to pay them off. Went to collections before i could do anything
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have no idea what this collection is for. I disputed it and it was accepted by one credit bureau and determined accurate by another. I have absolutely no idea what this could be for. I have not purchased cable tv or internet services in about two years. They have never sent me any bill explaining these charges, and they are NOT providing, nor did they ever, a service to my current address. Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX account. {$310.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX {$310.00} XXXX updated 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: 285XX
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A