IC system collection agency....calls and calls and calls...leaves no message. Hounds you with these calls...even though I have made timely payments in the amount that has been agreed upon...F U citibank
IC system collection agency....calls and calls and calls...leaves no message. Hounds you with these calls...even though I have made timely payments in the amount that has been agreed upon...F U citibank
Now see, you have an excellent FDCPA case there if what you have written is completely factual. First i would answer one of their calls and tell them that you will not talk to them until and if they send the required letter which should include this (remember, sticking your head in the sand not only does not accomplish anything but gets you nothing in return for the harassment they are inflicting upon you) :
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) 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.
At which point, you need to do this:
You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" 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.
Read up on your rights here, get template letters to send 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://consumerfraudreporting.org/stateattorneygenerallist.php
Also file here: Minnesota:http://mn.gov/commerce/consumers/file-a-complaint/file-a-complaint/
IC SYSTEMS AKA CREDIT PROTECTIVE SVC OF IC SYS INC
(651) 481-6303
(651) 481-6556
I have to wonder why an allegedly “legitimate “business would need so many 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 575 complaints (the BBB removed 123 complaints, probably so these crooks could keep their B rating), and 6 negative reviews (shouldn’t that be an F rating?): 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/