Date Received: 2019-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted XXXX which I have never done any business with and they advised me that they didnt have me in their data base to see why the placed this on my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92545
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was resulting from identity theft and disputed and removed previously now its cycling back on my credit reports. I would like the account to be deleted from all three of my credit reports. XXXX, XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92545
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: This is actually a complaint which stems from another complaint I made against IC Systems directly to you. It involves a phone call made to them on XX/XX/XXXX of this year. In that phone call I attempted to have IC Systems forward me an itemization and contract on collections they were attempting to collect on behalf of XXXX XXXX Hospital. I was met with a lot of resistance and was outright lied to and demeaned by their rogue collector. The collector stated I could only obtain a contract and itemization of the charges directly through XXXX because IC systems didn't do that. I was in shock because they are obligated by the F.D.C.P.A. to do so. To prove my point, IC System did eventually give me what I asked for but they didn't do so until XX/XX/XXXX and XXXX which was 41 and 42 days after I requested them by phone and writing as well as week after I submitted my complaint to you. I was also told by the collector that " he knew I wasn't trying to pay this bill at all '' which was abusive insinuating that I don't pay my bills as well as demeaning my character. Furthermore, I was told by the collector that if I sent a dispute to his company that it would ultimately do nothing and that I should only send it to make me feel better. This was a clear and willful attempt to get me to give up my rights under the F.D.C.P.A. to dispute a debt and have it validated. It is also clearly a false and misleading representation and an unfair practice. When I submitted this complain on XX/XX/XXXX, I was expecting IC Systems to file a response to the complaint as is suggested by this website. Instead, what I receive is a paragraph saying IC system 's response was sent to me directly by mail because they couldn't verify who wrote this complaint! To make matters worse, they never did! It is true that I finally received an itemization and contract that I requested 41 and 42 days prior, but there was no letter of acknowledgment of my C.F.P.B. complaint. No letter from a compliance department, management, or any other department which addresses complaints. No letter or anything addressing my concerns with their collector and his rogue tactics and multiple willful violations of the F.D.C.P.A. NOTHING! I did get an opportunity to give feedback on the response through my previous complaint but I feel that is inadequate and will accomplish nothing in regards to my complaint of what IC Systems has done. I am filing this complaint because I want them to address my concerns about their multiple violations on that initial collections call on XX/XX/XXXX. They don't get to simply sidestep my complaint by saying they will send a response to me directly because they can't " confirm '' who wrote this complaint and never actually do it. I am submitting this complaint because IC systems has continued to this point in breaking the law and obviously treating me like I am unimportant or just somebody they can just ignore. If I get another half-baked response from them saying they will " send me a response directly because they can't confirm who filed this complaint '' and then never do so I will be forced to sue them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is not mine please remove ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The company, IC Systems, claim to have a debt in my name owed to XXXX in the amount of {$300.00}. I have never received any written notification by them or XXXX regarding this debt. I noticed this on my credit report from another collection agency reporting from XXXX. However, I have called this company and they claim the account was sent back to XXXX. Furthermore, I get in contact with XXXX and they claim that the account was never sent to them from the previous company before IC System took over. I got in contact with IC System and spoke to a very rude representative from their company. I verbally asked for a itemized statement to be sent to my home address, in order, to view what was owed and why to XXXX. The representative refused to mail the itemized statement which I thought under the FCRA that I have a right to get this information without this kind of harassment from a rep. He told me that they do not mail out itemized statements due to their policies? I told the rep over and over that I was going through a divorce and that I needed this statement for court ( martial debt to be split ) ; however, he refused and told me that " it doesnt matter if you are getting divorced, you still owe this ''. This rep was very unprofessional over the phone and refused to give me validation on the debt owed. I felt very disrespected by the rep and simply hung up on him because of it. IC Systems should not be reporting this to my credit without any proper notice whatsoever, considering they hire people described above that refuses to give out validation for a debt owed. This should be deleted completely and no further contact from this company to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have a signed contract nor any contract with I.C.Systems. I have never done business with this company. I am not liable for collection from this debt from I.C. Systems. I am not responsible for this debt with I.C. Systems. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have an account with XXXX XXXX during the time after I would make arrangements I would still get calls from someone else that had no idea what the arrangements were this continued or they would change the amount I would pay and my account would default. I assume that they had so many people handling a lot of accounts and really did not know who was in charge in one week I have 7 different representatives contact me with 7 different terms and one rep did not know what the other rep was doing which is really sad. So I finally got one person this I thought well I signed a contract where my debt was {$1500.00} less and we settled for {$4500.00} with payments of {$180.00} per month. I did not hear from them after this so I thought this was the end of that well. I did not sign something and had to redo the contract so hopefully the {$180.00} would come out. Well that did not happen and I ended up being contacted by I.C. Systems Inc saying I owe {$5900.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I.C. SYSTEM, INC has an account on my credit that is not mine/inaccurate.
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: 2019-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
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: Was promoted to XXXX because of recent hacking into XXXX XXXX accounts. I decided to use it to protect my credit. Lo and behold, suddenly a {$920.00} bill from XXXX/XXXX shows up from 2010, when I was no longer a customer. I have NEVER been notified of this debt, nor do I owe it. I pay my bills on time. How can a company NOT notify me, yet try and ruin my credit and reputation without me being even aware. My Score dropped by 51 points. My scam alert is now on high! I filed a dispute with XXXX, but two days later they tell me I owe the false bill! I am so angry I can chew nails. Please!!!!! HELP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Ic systems keeps trying to cole t a debt for XXXX $ i disputed this with XXXX and XXXX and i know XXXX removed it because i proved my insurance paid for it. Please contact XXXX and have them provide such info
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A