CFPB Complaint

I.C. System, Inc. – CFPB Complaint 2018-04-25

Consumer Complaint Submission

Date Received: 2018-04-25

Product: Other debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I have attempted to resolve this issue once with IC System, Inc. ( ” IC ” ) and the original creditor, XXXX XXXX XXXX — in XX/XX/XXXX — and one previous time with XXXX XXXX XXXX — in XX/XX/XXXX — which attempt went unanswered.

I returned all of my XXXX XXXX XXXX XXXX equipment to XXXX XXXX XXXX when I moved in XX/XX/XXXX, and thereby canceled the service. I have a shipment receipt from the XXXX XXXX ( XXXX XXXX XXXX XXXX specific vendor for this purpose ) evidencing the return of all leased equipment. As of the date I returned the leased equipment, my bill should have been about {$250.00}.

In XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX proffered an invoice to me purporting to demonstrate a total amount due on my cancelled XXXX account in the amount of {$770.00}, which included charges for service, and charges for rented equipment, through XX/XX/XXXX. In XX/XX/XXXX, IC sent a collection notice from IC System for the same alleged debt.

In XX/XX/XXXX, I sent letters, with numerous exhibits to both XXXX XXXX XXXX and IC. IC sought perfunctory evidence of the indebtedness from the creditor, which XXXX XXXX XXXX provided, and IC sent a new collection notice in XX/XX/XXXXor XX/XX/XXXX. The evidence provided by XXXX XXXX XXXX and relied upon by IC — apparently without having been reviewed — plainly contradicts the claim that my balance is {$770.00}, because the document shows that XXXX XXXX XXXX charged rental fees for equipment that had already been returned and was in its possession. ( I was not under a service contract at this time ; the term had ended in XX/XX/XXXX or early XX/XX/XXXX. ) Accordingly, even if I somehow still could possibly have had service at a residence I no longer occupied or had anything to do with, XXXX XXXX XXXX is still charging rental fees for equipment that had been returned. IC knew and knows of this defect, yet insists that I am on the hook for the {$770.00} figure.

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I have invited IC and XXXX XXXX XXXX to calculate the amount I owed in XX/XX/XXXXbut they have refused. IC is now posting the purported debt to the consumer reporting agencies, and I have informed IC that it should prepare to sue me. ( I am a financial services litigation attorney, and obviously have counter-claims in mind. ) I have always been willing and able to pay whatever balance was due on my XXXX XXXX XXXX XXXX account as of XX/XX/XXXX. BUt I will not allow IC and XXXX XXXX XXXX to shake me down for indebtedness that I do not owe and never incurred in the first place.

Company: I.C. System, Inc.

State/Zip: TN 372XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2886790

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.




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