This number, 952-977-8008, belongs to a collection company known as IC Systems. They are about the most rudest people I have ever delt with. They called about a bill with Target. I had lost my job last year, January of 2014. Whenthishappened I called Target about my bill to see if they would be willing to lower my monthly payment to what I could afford. They refused. Now it is in the hands of this collection agency. I was making my layments early every month, in fact I was paying ten to twenty dollars more at times. Anyway the person I spoke with claimed they sent out a bill a month ago. Prior to this I had not heard from them. Problem is that Inever received the bill in the mail. They claimed that they will resend the bill. Regardless of the ligitamit aspect of a past due bill they are required by law to send a qritten bill in the mail. They are givenseven days to do so. I would love to simply pay this off but I am still unemployed. I told them the most I could afford if at all was five dollars a month till I find a job. They refused. I plan on contacting the Better Business Bureau to see if they can refuse my proposed monthly payment while unemployed. And befor I amcalled a dead beat, I have putout over four. Dozen applications and counting, plus signed up with Career Links here in Pennsylvania. Food, rent are more important. We eat a lot of hamburger, chicken and noodles.
Everything you need to know to deal with these criminals. Since you said that you live in PA, I am including a link to file an online complaint with the PA attonrey General's office:
IC SYSTEMS AKA CREDIT PROTECTIVE SVC OF IC SYS INC
(651) 481-6303
(651) 481-6556
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 698 complaints, and 4 negative reviews: 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
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
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 receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
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 a complaint here: http://mn.gov/commerce/consumers/complaints/
As well as the PA AG’s Office: https://www.attorneygeneral.gov/Quick_Links/P ... omplaint_Forms/
Got 7-8 calls from them without a message. Finally picked up today. The woman identified herself as so and so from IC Systems on behalf of Target. She told me it was a personal business matter and asked me to verify my identity at first using my mailing address. I don't have a target credit card nor any debts so no question that it was fraudulent. After I refused to give her any information she finally gave up.