Date Received: 2020-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Violations under Fair Debt Collections Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2020-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was in a car accident in XX/XX/XXXX, eventually I needed XXXX and that took place on XX/XX/XXXX at XXXX XXXX Hospital ( managed and billed through XXXX XXXX ). I had hired an attorney to help manage the accident claim ( as it was not my fault ). During this process, my attorney and his office worked on a settlement with the at fault parties insurance in order to get the medical bills paid. I had made arrangements with many providers, as had my attorney made contact with providers. In XX/XX/XXXX, I was contacted by I.C. Systems at the request of XXXX XXXX for a collection effort. However, this collection effort was invalid as arrangements were in place. At the time, I had asked XXXX XXXX to pull the account from collection as they would be getting a check from my attorneys office to pay a balance due with them ( in addition to the payment plan I was already on ). They pulled the account from I.C. Systems In XX/XX/XXXX. In XX/XX/XXXX my attorneys office sent a check to XXXX XXXX for the billed amount of {$1500.00} for the XXXX at XXXX XXXX Hospital dated XX/XX/XXXX. XXXX XXXX was aware this check was coming to pay the balance. XXXX XXXX got the check, however returned it to my attorneys off. Now fast forward to XX/XX/XXXX, I get a letter in the mail saying that I.C. Systems was going to be collecting on the account for the XX/XX/XXXX XXXX and this could negatively impact my credit. To no fault of my own, nor my attorney - XXXX XXXX rejected the check sent to them in XXXX to pay the bill. They then sent my account to collections - which they were not permitted to do as they had payment arrangements that they rejected. I am in the process of purchasing a home and any negative activity on my credit ( which currently my credit is great ) could impact that process and cost me financially in the short and long term, if not compromise my home purchase all together. This is unacceptable that they would send my account to a collections agency knowing they were getting a check, then reject the check and mail it back to my attorney ( who finally got the check back in XX/XX/XXXX ). I attempted to call and work this out with XXXX XXXX - they were disinterested in helping pull the account from collection even though they were at fault for the rejected check. I informed them I would file a complaint with the CFPB and told them I would be informing my attorneys office of their decision. I also contacted I.C. Systems and informed them of this information as well. I have contact my attorneys office, they are aware of this situation. I am considering legal action, as this should be a violation of the FDCPA and all parties who are in the process of collecting are in violation. Any impact this could have on my credit will not be acceptable, any delays in their further responses will not be acceptable. Any problems this may causes me to my home purchase, or my stress, time and effort spent on this will be considered by me in the process. Additionally, I have another bill with XXXX XXXX XXXX and XXXX. They were also sent a check in XXXX and have yet to acknowledge that check. They have sent me a bill stating that the account is in pre-collections. I have spoken with them about their billing and check as well as of XX/XX/XXXX. This is absolutely unacceptable. XXXX XXXX billing should be ashamed of themselves, as should I.C. Systems for being party to violations of the FDCPA. I have asked XXXX to have a manager call me back as of XX/XX/XXXX. I ask the CFPB to investigate Intermountain Healthcares billing practices, and agreements with I.C. Systems. Their staff is poorly trained, and has no genuine concept of the FDCPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84070
Submitted Via: Web
Date Sent: 2020-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: IC Systems - XXXX- is reporting and attempting to collection a debt that I do not owe - For one I have always had insurance and I shouldn't have any medical debts ... Also this debt is showing way past the statute of limitations as well. This is erroneous and not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84020
Submitted Via: Web
Date Sent: 2020-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: After reviewing the credit report, IC Systems furnished an unfamiliar tradeline on the account. Made an attempt to resolve this matter, however ; no feedback.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 171XX
Submitted Via: Web
Date Sent: 2020-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company IC System is still reporting this account to XXXX and XXXX, I have asked them many times that I want them to provide me with the original contract as proof that this debt belongs to me because I am not going to pay them a single dime until I see the original contract. If this company keeps giving me problems then I will take them to court and file a small claims suit against them for reporting false information which is also considered defamation of character. It wouldnt cost me much to do so, on the other hand they will have to provide the original contract to the court. If they want we can do it that way. Delete the account from my credit reports immediately. I know that the FCRA states that a creditor must provide a consumer with the original contract when it is requested, if that cant be provided then the account must be deleted from the credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2020-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a dispute in place with XXXX XXXX. It has been ongoing ever since they charged me more for my per kwh than I agreed to. I have been trying to settle this with XXXX ; however, I have been unsuccessful. They sent this issue to IC Systems Collections while it was still in dispute. I am requesting that IC Systems remove this collection from all three bureaus as it is being unlawfully reported. I also contacted IC Systems and they hung up on me. IC Systems has no right to show this on my bureaus since it has been in dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2020-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02467
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have no clue what this is. I've never been contacted by this company/medical center. I've never been to this medical center or sought any sort of medical treatment in NJ. I have never been to a XXXX. Status : Date ReportedXX/XX/2020 Payment Status : Collection/Chargeoff Account StatusDerogatory Amount Past DueNot Reported Account Details Bureau NameI C SYSTEM Original LenderXXXX XXXX XXXX XXXX Account TypeNot Reported ResponsibilityIndividual Age Of Account3 Years, 6 Months Credit LimitNot Reported Highest Balance {$640.00} Payment Details Amount Past DueNot Reported Date of Last PaymentNot Reported Monthly PaymentNot Provided Payment FrequencyNot Reported
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2019 I C system become a injury on my credit report. XXXX XXXX I attempted to pay and colllect Information on what company Imay have owe money to. I C systems could find my address or corrected name my social security number was provided and another name pop up on there end I would like to report this as fraud and I would like this removed off my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11722
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: When I contacted IC System Inc requesting debt validation pursuant to The Fair Credit Reporting Act and The Fair Debt Collection Practices act, they refused to validate the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A