Date Received: 2021-02-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have continuously disputed this account that IC Systems continues to report that is inaccurate information. I have requested numerous documents to review the alleged debt but only in return got a partial statement that did not detail binding this alleged debt to me. I have proven that the name is incorrect and also that I am not aware of this account nor is this mine. The company continues to report these inaccurate findings and has ruined my reputation and prevented employment in which during the pandemic is slim to none. IC Systems violated numerous. I have detailed all the violations and would like to move forward with punitive damages if the accounts are not removed. I have attached exhibits of the violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85248
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/XXXX I was alerted to go on line by my refinance lender to see what was going on. I did, and discovered that my credit score dropped 144 points. In a PANIC, I discovered that I was put into collections by I.C. System for an unpaid medical bill with XXXX XXXX/XXXX. I called XXXX to see why they put me in collections, and they said that they don't bother looking in their portal system, so they didn't see my inquiry regarding the {$410.00} charge as incorrect. I was told by the office manager that they send out 3 notices then put it in collections. A review of my credit information shows that IC System started putting me in collections on XX/XX/XXXX. I NEVER RECEIVED ANY COMMUNICATION FROM IC SYSTEM for this collection. NOT ONE. As soon as I saw that my credit score dropped 144 points, I IMMEDIATELY contacted IC System and paid the debt. I had no choice. I was trying to refinance my home, and I couldn't risk being denied. This is fraud, and I'm charging XXXX in it. IC System sent me two notices AFTER I paid, but none while they put me in collections on XXXX, again on XXXX, and again on XX/XX/XXXX. On XX/XX/XXXX, my score dropped 144 points. Not only did XXXX raise me back to XXXX, but mysteriously removed that I ever had a debt collection notice! I believe that XXXX and IC System and XXXX are working together to basically hold a financial gun to peoples heads to FORCE them to pay charges without question. I disputed the charge to XXXX after their XX/XX/XXXX bill. I went through their system portal. Since I never heard from them, I thought they wrote off the claim. I found out later that they don't bother reading the portal claims. They collect payment by submitting you to IC System. I get notified by the US Postal Service of incoming mail. I have all the notices from USPS of the 2 receipts from IC System AFTER I paid, showing a payment receipt and a payment agreement. The USPS has no notices to me from IC System prior to the payment receipt and payment agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11510
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently checked my Consumer Report and noticed that a change was made on my report. It states that I C Systems was removed from my report and I gained 1 point. I disputed this item last year which wasn't deleted and now after another dispute it has become deleted. I would like to know what was the purpose of the deletion. According to 15 USC 1681 n and 15 USC 1681 b ( 2 ) they are in Violation. I never gave them permission to report anything to them and Pursuant to 15 USC 1692j. I am asking for remedy of XXXX by Check Only.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89169
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ( Summary ) I set up a payment arrangement to reinstate internet service. XXXX broke the arrangement and shut it off the next day. I made a new arrangement, and it was turned back on. They went back on their arrangement again, less than an hour later, and demanded more money or they'd shut off service. ( What happened ) I previously had internet service with XXXX, and it ended with a final balance of {$410.00}. I am not currently working, but I'm starting a new job in XXXX. XX/XX/XXXX, I called XXXX ( phone XXXX ) and asked if I can make partial payments toward the past due balance, above and beyond the normal monthly bill, to restore service. At least until paychecks start coming in and then I can pay off the previous balance in full. XXXX, a rep from I.C. Systems, XXXX XXXX collection agency ( phone XXXX ), agreed to these terms. As did XXXX in XXXX Sales. I asked what minimum payment I could do, and XXXX advised $ XXXX/month. The three of us were in agreement. I'd pay an extra $ XXXX/month on top of my normal bill in order to restore service, and then I'd pay more towards the past due when I could. So, I made a payment for {$26.00} ( {$25.00} plus debit card convenience fee ), confirmation # XXXX to IC Systems, account # XXXX. XXXX with XXXX advised my normal monthly bill will arrive in the mail, and my service was restored. Less than 24 hours later, on XX/XX/XXXX, the service was cut off. I called XXXX to ask what happened, and XXXX in XXXX collections advised the payment I made was insufficient, and my prior balance needs to be paid in full to restore service. I advised that I had an arrangement with XXXX in IC Systems and XXXX in sales. XXXX said that she can not honor the prior agreement. I advised that these are not the expectations that were set prior to charging my card, and I let her know the company is not honoring what they're advising their customers. As XXXX could not assist me further, I asked her to have a supervisor call me back. Immediately after my call with XXXX from XXXX, I called IC Systems to see if the misunderstanding could be cleared up on their end. I conferenced the call between XXXX from IC Systems and XXXX, a sales supervisor at XXXX, so we could all 3 discuss the issue. XXXX advised that the payment I made was incorrectly processed by the rep XXXX as a one time payment, rather than a recurring payment. XXXX advised it was only because I didn't have a recurring monthly arrangement that XXXX isn't seeing the approval to restore service. I asked XXXX and XXXX if we can get this corrected. I asked to have repayments scheduled to come out each month automatically. XXXX was having system issues and could not set up autopay for me. XXXX said when I call next month to pay, I can set up autopay at that time instead - and she will thoroughly note that this is the plan. They both agreed that this was satisfactory, and XXXX turned services back on before we even hung up. Less than an hour after ending the call with XXXX and XXXX, I get a call from XXXX. She is XXXX 's supervisor ; the collections supervisor I had requested earlier. I let her know that we cleared up the confusion. She tells me that the matter is not resolved, and that the past due still needs to be paid in full, minus the {$25.00} that I paid. I filled her in that I had an arrangement, and it was broken shortly after getting my payment. I also told her that I agreed to autopay in a 2nd arrangement. She confirmed that she would not honor the prior 2 arrangements, even though a fellow supervisor signed off on it. And unless I made an additional payment, she'd immediately disconnect service. She wouldn't honor her company 's word, but offered a compromise. If I changed the arrangement from $ XXXX/month to {$75.00} every 2 weeks and throw in an extra {$100.00} today I could keep my internet on. As my new job requires internet to work remotely, I had no choice but to agree. I called IC Systems and paid {$100.00} ( {$100.00} plus processing fee ) with rep XXXX. Confirmation # XXXX. This is the 3rd arrangement in two days I've made with XXXX. Who knows if someone is going to call me again tomorrow demanding new terms. Agreements I made previously mean nothing to them. XXXX holds XXXX accountability for what they tell their customers. And they take payments under false pretenses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 570XX
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: cant add interest or fees, or charges not authorized in the original agreement.Extra fees must be in the contract, A collection agency can not have false or misleading representations. This alledged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77504
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I do not know who these people are. I never signed a contract with these people. They dont have a contract bearing my signature. I have never done any business with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: THIS COMPANY CONTACTED MY WORK AND MY CELL PHONE WHEN I INFORMED THEM TO CEASE AND DESIST. THIS A MEDICAL BILL THAT WAS OUTSOURCED TO A 3RD PARTY THAT IS UNCOLLECTIBLE DUE TO BEING INCLUDED IN A BK XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This fraudulent XXXX XXXX account was removed from my credit in in XXXX, months after it was reported in XXXX of XXXX. As a result of identity theft, XXXX and XXXX XXXX ( third party collection agency at the time ) confirmed the account was fraudulent and deleted the account from my credit reports. In XXXX of XXXX XXXX sent this same account into collections again and IC SYSTEMS ( a current third party collection agency ) has reported this to my credit once again. Negatively impacting my scores with fraudulent information, XXXX and IC SYSTEMS continue to attempt to collect debt on this fraudulent account. This is against the law. If this is not resolved immediately I will be seeking legal remedies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A