Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX has repeatedly sent me to different collection companies for cable boxes that were allegedly not returned. I lived with a roommate and when we parted ways in XXXX of 2017 we went to a XXXX store in XXXX XXXX and requested a transfer of responsibility to his name. I don't believe they gave us any documentation but i no longer received bills in my name and i believe they began emailing him the bills instead. Also this was 5 years ago so if there were paperwork i wouldnt still have it but they should have record of who they were billing and receiving payment from last. The last time they sent me to collections i successfully disputed it and it was removed from my credit report. I gave XXXX the name and phone number of the person responsible back then why they chose not to follow up i dont know or understand. Since then they recently started a new collections with a different company but never sent me anything in the mail i only found out by monitoring my report with XXXX. I have tried to dispute with XXXX but they have unjustly sided with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: IC Systems is charging me {$890.00} on an old XXXX XXXX debt. The original debtor started in XXXX.However, when I log onto my credit report, IC Systems is showing the debt starting in XXXX. This is the incorrect time frame. The original debt started in XXXX and this should be removed from my report after 7 years. They need to update the date of the original collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: During our entire time with XXXX we had automatic payment deduction. Each month the monthly amount due was deducted from my checking account. At the conception in XX/XX/XXXX we paid {$200.00} and {$400.00}, which we were told was the first month due and the fees. So we started out current and then every subsequent month we had our amount due automatically deducted. We cancelled service in XX/XX/XXXX, due to our move to a different town. We chose not to stay with with XXXX. Our regularly scheduled payment came out in XX/XX/XXXX. I received a call in XXXX XXXX advising I had an amount due, to which I explained I should not. I walked through the payment history with her. She insisted it was correct. Rather than argue I paid the amount she claimed was due. Again believing this would settle my account. Then I received a notice from a collection agency stating we had an amount due which was what I paid in XX/XX/XXXX. I called and explained it is not due, ran through the payment history. Mentioning the extra payment I made in XXXX, showing there is absolutely no way monies could be due. They said they would research. I did not hear back so concluded the matter was settled. Now I see the charge of {$130.00} from collection agency IC System is outstanding. I disputed the charge and received no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please note the dates here are approximate as I did not expect this situation to reach this point and have not had time to gather exact details as to times and dates. Sometime in XXXX of XXXX, I visited a XXXX retail store to transfer two lines of service from two different carriers into one XXXX account in response to XXXX promotions for free iPhones and credit for paying off accounts at other carriers. I left the store having paid activation fees, taxes, and other typical charges for such a transaction. I was told I would receive devices in the mail and at that time, the numbers would be ported to XXXX. One of the devices arrived sooner than the other so it was setup first. There were issues setting up this device because the XXXX employee had transposed account information from the other carriers. Several weeks passed and the other device did not arrive, so after calling several times to check the status of the order, I soon learned that there was also another issue with the second line being ported. Nevertheless, both devices and lines were eventually activated and in use. Around a month later ( sometime in XXXX, around the XXXX ), I received my first bill from XXXX. I was shocked to see that the total was nearly {$400.00}. This seemed extremely high for 2 lines of service ( one plan being $ XXXX and the other $ XXXX ). Knowing something was wrong, I called XXXX to understand what happened. After spending several hours on the phone, I eventually spoke to someone who could tell me what had happened. It was explained to me that when the 2 lines were setup, they opened a sub account under the main account, which explained being charged double for 2 lines. XXXX acknowledged this was a mistake on their part and that they would merge the sub account into the main account. My next bill immediately dropped to roughly {$170.00}. During this time, my old devices were mailed in, to which I was to receive statement credit for. Shortly after the first bill, I noticed I was not received credit for my device trade ins. I made yet another call to XXXX to straighten out the matter. I referred to the tracking number showing proof of delivery, and the weight of the package. I informed the agent that I placed 2 devices in the same box and returned them together. He agreed that they had one of the devices, but not the other. After speaking to his manager, they agreed it was unlikely both devices were not in the box and that the 2nd was most likely overlooked. This remedied the situation at hand and I was given credit for the device trade ins. Another part of their promotion at the time was their offer to pay the final charges from the provider you switch from so I submitted documents to their rebate center multiple times, each time being told the bill did not contain enough information or that it was not my final bill. I have yet to receive any credit or payment for switching to XXXX as promised. I had not considered contacting any agencies regarding my business transactions with XXXX up to this point until recently. However, a few weeks ago I visited a XXXX store to inquire about additional products. After opening my account, and preparing the order, the employee informed me that I could pay for the devices in full but I was not eligible for financing because of a " write off '' on my account. The account I have with XXXX today is the first, and only, XXXX account I have ever had. Knowing this, and confused, I asked the employee for details. Unfortunately, he was unable to provide them to me and suggested I call customer service. I spent the rest of the day on the phone and chat with XXXX trying to understand what exactly this meant. After some hours and number of transfers later, I spoke to a woman who was able to identify this as a charge from an account for the 2nd line on my account. Still confused, I thought perhaps it was sent from the previous provider. After confirming this was not the case, I started to think more about how this could have happened. It occurred to me, and likely the agent on the phone, that the charges were from the sub account that was erroneously opened when the main account was first setup. I was then transferred to another department and ended up speaking with a manager named XXXX. XXXX inspected the account, and agreed as well, that XXXX had definitely made an error when setting up my service. He also informed me that the amount in question ( ~ {$180.00} ) had already been sent to collections ( IC Systems ) and that XXXX would have to contact the collection agency themselves. A couple of days later, XXXX called me back and had the collection agency on the phone. XXXX acknowledged to the collection agency that the account was not a valid debt, and that XXXX needed to take it back. The collect agency stated they could open a dispute for XXXX weeks but that it would be up to XXXX to clear it on their end. XXXX assured me he would be following up on this and call me when XXXX had taken care of it. I received a call yesterday ( XX/XX/XXXX ) from a different manager named XXXX from XXXX, stating that the recovery department had reviewed the account and deemed it a valid debt that was to be paid. I explained to XXXX the entire situation of how the account came to be in the first place, that I was not responsible for the debt, was not informed it was owed when the sub account was merged, and that I was not paying the amount in question. XXXX informed me I need to call the recovery team at XXXX at XXXX and speak with them directly. They are closed on the weekend so I will be spending yet more of my working hours on hold, waiting to speak to someone and explain this XXXX up all over again from the beginning. Furthermore, I believe the collection agency is breaking the law by purchasing debt that XXXX never informed me of in the first place. I am filing this complain because I feel like if I'm going through this, surely there are others experiencing similar problems. And considering XXXX 's {$1.00} scam from a few years ago, for all I know, this could be another attempt at gouging their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67204
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 15.U.S.C. 1681 section 602 A States that i have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48038
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: in order to charge off an account the original creditor wrote it off on their taxes. please provide debt validation, original accounting and signed contract by all parties or remove immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX is trying to charge me for cable service after I moved to XXXX and my tenant had occupied my home in XXXX and had XXXX XXXX XXXX cable/internet installed. They were suppose to disconnect service on XX/XX/XXXX. I have told them that I was not there and have proof of being in XXXX and of my new tenant having XXXX XXXX XXXX installed within a few days of my move. This is now hitting my credit report. The amount is for XXXX. Any assistance would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX says I owe them {$230.00} in XX/XX/2021 and its I C System that is the debt collector. I have never had XXXX services in my life and live in an area where its not even possible to have XXXX. This is the second time this has happened to me and the first time I disputed it and they removed it but a few months later they did it again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36109
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was notified by I.C. Systems, Inc., a debt collections company, on XX/XX/2022 via mail regarding an alleged debt. I have reason to believe I do not owe this debt because it the result of an unauthorized balanced billing, pursuant to Florida Law Section 559.72 ( 9 ). I contest that this debt is legally without merit and name XXXX XXXX XXXX XXXX and I.C. Systems, Inc. in this complaint. XXXX XXXX XXXX XXXX has fraudulently reported the provider non billable amount to this collections agency, disregarding the negotiated fees between the Preferred Provider and the PPO. According to documentation provided by XXXX XXXX XXXX XXXX, who was in network with XXXX XXXX XXXX XXXX during the date of service and used their pay schedule, the patient responsibility for services rendered is {$2600.00} and the provider non billable amount is {$1000.00}. The patient has already satisfied their patient responsibility of {$2600.00}, having paid a total of {$2700.00} to XXXX XXXX XXXX XXXX, as reflected in their previous contractual payment plan. Please reference the supporting documentation that reflects the information stated above. As a result, XXXX XXXX XXXX XXXX has fraudulently reported this debt and I.C. Systems, Inc. is attempting to collect a debt that is not my responsibility. I have attempted multiple times to resolve this with the provider, however they are falsely claiming they are out of network with my insurance agency and have threatened to send the 'unpaid balance ' to collections multiple times. XXXX XXXX XXXX has denied these claims as they did not receive sufficient information from the provider. Both the provider and myself have sent multiple appeals to XXXX XXXX XXXX, however, XXXX XXXX has informed the provider multiple times that they need new and additional information in order to process the claim. The provider failed to provide new information and I had to submit two separate claims to the XXXX XXXX on behalf of the provider. Ultimately, the insurance company did not process the claim and the provider sent the non-billable amount to debt collections. I fear that XXXX XXXX XXXX XXXX is taking advantage of patients and not acting in good faith when attempting to bill insurance and process claims in a timely fashion and I.C. Systems, Inc. is complacent. Instead, they are using balance billing and the threat of debt collections agencies to intimidate patients into paying what insurance does not. This is a scare tactic that is unethical and should be looked into further as it is a fraudulent procedure. Please see supporting documentation attached
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A