This caller identified herself as Connie and asked me to verify an address. I asked her what business she was calling from before I wanted to give her any personal information. She avoided answering my question and repeated that she needed my personal information to verify if I was the "right person". She got frustrated with me and told me that if I wasn't going to 'verify who I was, she was going to terminate the call' and hung up. Very strange....
Got a call from this number and first thing i heard was" being recorded". The man on the other end ask me if this was Roger and i replied " who's this?". He gave me a name but wouldn't identify his company name. He just gave me initials of the company and said he could give me the web site and i could look it up.. He said this was a serious matter and not a sales call. He asked me again, is this Roger?
I hung up. I think he was trying to get me to say yes, record that for maybe voice actuated entry into my on line account. I really don't know for sure, or just get info from me
IC Systems is a debt collector. They are required by law to make sure they do not talk about a debt with anyone other than the debtor. But since they have now made first contact with you, they must do this:
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
In any case you should do the following:
You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter (think of it as the best $6.47 you ever invested). Also send it first class mail in case no one will sign for it. Make a notation of that fact at the bottom of the letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it. Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front): http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All
Everything else you need to know follows including at least two agencies where you should report their criminal activities.
IC SYSTEMS AKA CREDIT PROTECTIVE SVC OF IC SYS INC
IC Systems Phone Number List.xlsx
I have to wonder why an allegedly “legitimate “business would need over 50 phone numbers to call out on?
Web site list an alleged PO box for an address: http://www.icsystem.com/contact-us/
BBB lists them as an accredited business but only a B rating with 516 complaints (the BBB removed 182 complaints, probably so these crooks could keep their B rating), and 12 negative reviews (It also looks like they removed a few negative reviews as well): http://www.bbb.org/minnesota/business-reviews ... int-paul-mn-554
State of Minnesota:
State Minnesota
Board Debt
Inquiry Date 05/07/2015 06:48 PM
IC SYSTEM INC
Business Location Address 444 E HWY 96
P O BOX 64444
ST PAUL, Minnesota 551640444
Business Phone Number 651-483-8201
Fax Phone Number
Licenses
Collection Agency
License Number Original Issue Date Status Effective Date Expiration Date
8000009 10-15-1941 Active 07-12-1989 06-30-2015
Aliases
Former Name
Name: Effective Date End Date License Type
CREDIT PROTECTIVE SVC OF IC SYS INC 02-17-2007
They have 228 registered thieves working for them.
Other complaints:
http://ic-systems.pissedconsumer.com/
http://www.consumeraffairs.com/debt/lc_system.html
http://www.creditreportproblems.com/IC_Systems.htm
http://www.complaintsboard.com/complaints/ic-systems-c52318.html
Looks like they get sued a lot:
http://law.justia.com/cases/federal/district- ... 0181/390259/32/
http://buckleysandler.com/uploads/36/doc/Oppenheim_v_IC_System.pdf
https://www.gpo.gov/fdsys/granule/USCOURTS-pa ... ent-detail.html
http://www.debtorboards.com/index.php?topic=10593.0
http://openjurist.org/972/f2d/1067/bloom-v-ic-system-inc
http://law.justia.com/cases/federal/district- ... 4000/358202/15/
It is incumbent upon them under the law to prove that the debt exists and that you owe it, and that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.
Read up on your rights here and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://800notes.com/faq/attorney-general
Also file here: Minnesota:http://mn.gov/commerce/consumers/file-a-complaint/file-a-complaint/