Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

Complaint:
I had a wireless account with XXXX that I ended up shutting down. They charged me the back payments for it and account disconnection fees. They gave what I owed to a company they worked with, XXXX XXXX. I worked with XX/XX/XXXX and made a payment plan for a small amount a month ( as I could not afford more ) and made the payment every month for the last year or so and they agreed not to report it to my credit as a collections as long as I made that payment. 
Over the summer, XXXX gave my account to another company, I.C. System, without notifying me. I realized my payments were not being made to XX/XX/XXXX and called them to ask them if they still had my account. They said they did and to not worry. In XXXX I received a letter from I.C. System saying they had my XXXX account. I once again called XXXX. XXXX and they said that it was impossible for them to have my account as only one company could hold it at a time and that they still had it. They said to ignore the letter from I.C. System. I tried to call I.C. System anyway but couldn't get a hold of them. 
I noticed again that my payments were not coming out of my bank account for XXXX. XXXX in XXXX so I tried to call them. The number was no longer for them and when I went to find my account online it said the account didn't exist. I called I.C. System on XX/XX/XXXX of this year at XXXX. I spoke to an agent about my account and asked her what the minimum payment was that I could make monthly in exchange for them not reporting it on my credit as a collections. She told me I could make monthly payments of XXXX dollars and they would not report it on my credit as a collections. She set up the payment arrangement for me. The XXXX dollars was to come out every month on the XXXX. I paid it on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX, the same day I made my second payment, I got an alert that a collections account had been reported to my XX/XX/XXXX credit report. It was the XXXX account reported by I.C. System. I called them on XX/XX/XXXX, when I saw the alert, and spoke to agent, XXXX XXXX, ID XXXX, and asked why my account was reported as a collections, which damaged my credit that I have been working hard to improve, and the agent tried to claim that I had agreed to pay XXXX dollars a month and that by paying XXXX I had broken the " contract ''. I told him I had agreed to XXXX and that they had wrongly reported a collections to my credit report and that they needed to remove it. I told them to pull the phone call from XX/XX/XXXX where that agreement was made between the agent and I. They said they would pull the call over the weekend and call me back on Monday. 
Today, Monday, the XXXX of XXXX, I called them around XXXX. The agent, XXXX XXXX, ID XXXX, told me they had pulled the call and heard that I was correct in my statement so they were going to have the collections account removed from my credit. Mysteriously, however, my payment arrangement had disappeared in their system and she wanted me to arrange a payment arrangement for {$380.00} a month instead. I told her I can not afford that and that they had already made an arrangement with me to accept a monthly payment of {$25.00} in exchange for not reporting it as a collections to my credit report. She then tried to say I could pay XXXX dollars for 3 months and then go up to {$380.00} or pay {$2000.00} when I get my tax refund, which is out of line and ridiculous. I told her they were being underhanded and trying to force me to pay more money than what they agreed I could pay. The collections account is still showing on my transunion credit report as well even though they said they had it removed. I would like them to honor the payment arrangement they made with me and to remove the collections account from my credit reports. The calls with the agents I've had on XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX can all be pulled and listened to as they are recorded to show that I am telling the truth about what has occurred.

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