Consumer complaint received 2019-11-08
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please help me. I am so infuriated right now. Last month I spoke with IC Systems. I spoke with a collector named XXXX XXXX. I called because I saw on my credit report a couple of collections with IC Systems name on it. I tried to fight them with XXXX but I was told the collections were verified. 

When I called IC Systems I was told the accounts were for a wellness program at XXXX XXXX XXXX. When I asked questions about it, the collector told me it could be for an auto renewal on a program that we didn't know auto-renewed. I informed him those weren't technically legal so I asked more questions. He then said things are muddy on his side because IC Systems didn't get an itemized statement. I then asked him for the paperwork that shows I signed up for this auto renewal. XXXX gave me an e-mail to XXXX XXXX XXXX. He said in our conversation that he was speculating about what the debt was for. 

After some more investigation on my end XXXX started getting upset and told me " I understand you aren't trying to pay this at all. '' I advised him that was not the case but simply that I wanted to make sure what the bill was for before I paid it. He then started telling me to talk to XXXX instead of fighting with him. I informed XXXX that if I'm supposed to talk to XXXX, why does his company exist and why are they collecting? XXXX informed me he's collecting and reporting on behalf of XXXX. I then reiterated that if I was going to deal with XXXX, and XXXX wants me to contact them for any information regarding this debt, then his company should just cancel this account, remove it from my credit report, and send it back to XXXX so I could deal with them. I finally asked him for an e-mail to IC Systems, or an address, or a fax so I could send his company something in writing. 

XXXX then said " I can guarantee you that if you just send like a random letter stating anything of regarding this that it's not going to ... like I can give you an address but its not going to do much for this situation. '' He then said in the same conversation " sending me any documentation of this.. anything related to this is not necessarily going to like ... that information we have nothing to do with this. '' He finally said " if you want to send a letter to make yourself feel better that's fine. '' After asking him numerous times for his address and fax he finally gives them to me. I then asked to be transferred to a supervisor. XXXX was her name. XXXX is her employee number. I explained this entire conversation to the supervisor. In the end the supervisor gave me several explanations which were also found wanting. After I told her what the requirements for auto renewals were, she told me auto renewals and the laws regarding them vary from state to state. She then claimed XXXX followed the laws regarding auto renewals. I then asked her what state this auto renewal agreement was signed in and she said she didn't know .... She then said she didn't have that information ... Essentially, she was also telling me she didn't have the info to prove this debt was legitimate. 

I then sent this company a dispute letter the same day to the address provided to me explaining my problems with these collections and why they are not valid. I did it the same day this phone call was made which was XX/XX/XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX and also to XXXX XXXX XXXX XXXX  XXXX MN XXXX. To this day I have not received any correspondence acknowledging my dispute or a response to it. 

To reiterate my problems with this collection agency and this erroneous debt ; IC Systems does not have any solid information on this debt. They have no contract, itemization, or proof of what is owed. They are refusing to provide me with any documentation and are in fact dissuading me from sending a dispute as is my right under the F.D.C.P.A. They are even going above and beyond in illegal activities by telling me my dispute letter will be pointless and nothing will be done with it and to only send it to make me feel better. They demeaned my character by telling me they were aware I wasn't trying to pay this collection at all in a matter of fact tone. Even the supervisor made a blatantly false statement by telling me that XXXX followed all the laws regarding auto-renewals when she didn't even know what state the auto renewal was signed in or had no access to that information. She just made an assumption. 

This has gotten so out of hand that I will not accept anything less than the complete eradication of these accounts. they need to be removed from my report and cancelled all together.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation