Complaint Rating:

My husband had a credit card that was past due. After he passed away, I was attempting to resolve all of his and my outstanding debts. When I called the credit card bank, I was told that this account was already placed into collections with IC Systems and they gave me their phone number to call. My first contact with ICS went very smoothly. I talked to an account manager named Jeff and he gave me a settlement amount to pay which was a around a hundred dollars less than the outstanding balance. I had not received a notice in the mail yet from IC systems, so I sent the payment directly to the credit card company. I called IC Systems back and they confirmed that the payment had been received and the balance was paid in full. I asked for a confirmation letter, and they agreed to send one.

A few days later, I received the first "bill" from IC Systems. It was for the full amount. I called them back and was told that there was no documentation of any settlement on this account. That I had made the payment to the credit card company, so therefore I MUST have made the settlement with them. She was very rude and kept talking over me, threatening to hang up on me, etc. She said I would have to fax a letter from the credit card company saying THEY accepted the settlement agreement amount.

I looked again at my notes from the first phone call and noticed that I had indeed called IC Systems for the settlement. When I made first contact with the credit card company, they told me that they had turned this over for collection and gave me their number to call to make arrangements.

I called IC Systems back again, they still refuse to acknowledge that I paid the settlement amount, said there was NEVER a settlement amount.

I called IC Systems again the next day, and the Account Manager happened to answer the phone, and he VERIFIED to me over the phone that yes, he saw that it was a settlement, and yes it was paid in full. When I asked for a letter of verification he put me on hold.

Then the collection manager picked up I told Megan that I had been talking with Jeff and she denied that Jeff EVER told me those things on the phone. It is just a headache and a run around and they lie to your face and it is so frustrating!