Consumer complaint received 2020-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Complaint:
I filed a credit card dispute against XXXX, for {$560.00}. On XX/XX/XXXX, XXXX credited my account for {$560.00}, and never sent me a document stating the final outcome of the dispute. 
I spent over 30 hours from the time of the start of this disaster to the time I am taking to write this letter, and nothing is over. I received multiple letters from IC Systems, a collection agency, telling me to pay XXXX. Throughout this ordeal, I have contacted XXXX on the phone, and was verbally told that I had indeed won the dispute, prior to XX/XX/XXXX, when I had sent 3 letters, to XXXX, IC Systems and XXXX, which I am attaching to this case. Everyone ignored my letters, and instead, I received yet another letter from IC Systems telling me to pay XXXX. I called XXXX again on XX/XX/XXXX, finally reached a manager and was explicitly told that I won the dispute, and that XXXX never responded to the dispute, rendering them to lose the dispute, and that I was going to get a letter stating that I won the dispute. Instead, I get a letter dated XX/XX/XXXX stating that the dispute is just starting from the beginning, and XXXX has 90 days to fight back, and I have to keep my evidence to possibly fight back against XXXX. I was explicitly told that XXXX never responded to my dispute and that they lost by default, all on the phone. So hear this - hypothetically, if I recorded XXXXXXXX on the phone, then I could go to jail for illegal recording - so I recorded nothing. But now, I have no evidence of that phone call, and it is as if all this disaster which I went through was for nothing. XXXX already admitted their own incompetence in the XX/XX/XXXX letter. They admitted to crediting my account for {$560.00} on XX/XX/XXXX, meaning the dispute started on XX/XX/XXXX. This means that XXXX had 90 days ( as evidenced by the end of the letter ) to fight back, but they didn't, they sat back and ignored it ; this means XXXX lost by default. Now XXXX is saying they are giving XXXX another 90 days to respond! I legally had to keep my evidence of the dispute during the dispute 's lifespan, which ended way before the XX/XX/XXXX letter. However, XXXX is telling me that I should keep my evidence until the dispute is over! This is fraud beyond fraud, and were it not for the COVID-19 situation, I would take all 3 companies to court and sue them for my lost wages during the time I am dealing with them, possible unwarranted damages to my stellar credit history, and other damages. 
I am attaching all the evidence, and I am ready to testify in court if I have to, because I am disgusted of me as the customer being destroyed by these corporations who think they are above the law. I work during the day. I do not answer the phone. I am working. I only communicate by email. 
Although I legally don't have to, because I already won my credit card dispute, and the statute of limitations already expired for it, I am attaching pictures showing the job which XXXX did. Unfortunately, I am a nice guy, and I didn't plaster these pictures over the web when everything first happened, but perhaps I will spend another hour of my time, making it a total of 31 lost hours, and make this story known all over the place, which they deserve. And also, to the XXXX rep who gave me an unsolicited phone call a few weeks ago, what he did was illegal, and would have been dealt with already, if were not in a quarantine due to COVID-19 right now.

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