Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
On XX/XX/year> I called XXXX about a collections for {$840.00} on my credit report. I spoke to XXXX and told her I had canceled the membership in XXXX or XXXX after just two visits due to having to rehome the dog. We came to agreement in the amount of {$500.00}. I asked If this would be removed from my credit report when paid and she said it would. I went ahead and paid {$100.00} and then asked if she could send me a document with the settlement agreement and she said no she could not, I was confused and asked again and she refused. I asked if she could send me a receipt with the remaining balance, she said she could send me a receipt with the amount paid. She said she made IC systems aware while as were speaking On XX/XX/year> I reached out to IC Systems and spoke to XXXX he confirmed they were made aware of the payment but they were not notified of any settlement and in order to change the amount he would need something from XXXX. I told him XXXX refused to give me anything and he said that didnt sound right and gave me the XXXX XXXX which was the same number I had been using. He said he wouldnt make further payments until I had something in writing, I immediately called XXXX, this time I spoke to XXXX, she took my information and the first thing I asked was my balance and she said it was {$400.00}. I proceeded to ask her again if she could provide me with. A document or something stating the amount we agreed upon. I got an immediate no! I explained that I had spoken to IC systems and and they had no record of the settlement and my information on my credit report was wrong, still no there was no way she could sent me anything not even an email saying this was the agreement. 
Today before making another payment I called the CFPB and spoke to someone to let them know I had a collections on my credit report and I made a settlement agreement with the original creditor instead of the collection agency and asked if the original creditor still needed to provide me with a settlement agreement because they keep refusing. I was informed that yes the original creditor did need to provide me with an agreement and if they did not I could file a complaint. So I tried once more and call XXXX this time speaking to XXXX, again I asked my balance and she told me {$400.00}. I proceeded to ask if she could provide with some type of document of the settlement agreement- this time I was told they were not licensed to provide me with that information because IC systems now had the account. So I asked so who do I pay you or IC systems she said us bc IC SYSTEMS wont give you the low of a rate. I said it is a violation.of the FDCPA not to provide me with settlement agreement and report inaccurate information on my credit report. I told her I couldnt make a payment until I received it. She said she couldnt sent it. I then called IC SYSTEMS and cant pronounce the ladies name but she was rude and not helpful and told me their amount of {$730.00} remains and if I didnt pay it by XX/XX/year> ( 30 days ) it would go back up to what it was before I made the payment. I said how is that possible she said it Is if you dont pay it off in 30 days. I have only been trying to make sure this gets taken care and asking for an agreement in writing to protect myself and what is right according to the FDCPA isnt to much to ask.

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