IC System / debt collection
This company tried to charge me more for a debt than was owed.
This all happened April 14, 2017
I called [protected]
I had an old account with COX cable totaling $193. I paid a portion of the account with one debt collector in the amount of $80, January 2017. The account was since removed from my credit report and as such I thought it was settled. A couple of months later I see the same amount pop back on my credit report; this time with another debt collector: I C System. I called to ask for the true balance and they insisted it was $193. Yet, they saw I made a payment of $80. I asked to pay the true remaining balance of $113. They insisted it was $193, and offered to let me settle the debt by paying $135. I said that is not right because I already started paying and it appears they are trying to extort more money from me. The individual I spoke to, a male, advised I send a letter via postal mail to file a dispute. I asked if I could email my dispute. He said no. I thought this was odd given we are in the 21st century. I found it frustrating considering they were adamant about using incorrect information. I asked them why they would think I owed $193 given I already paid $80 in January. They insisted this was information given to them and they did not see a need to question it. Eventually, the customer service rep became very rude and asserted I wouldn't be in the situation if I paid the account earlier. I hung up.
I called Cox Cable, and according to their records I indeed owed $113; and they have on record the $80 payment. I was even able to settle the debt right then and there.
I called I C System again. Apparently, the same individual picked up the phone. I informed him their records were indeed incorrect and they should look into their practice of false account information and reporting. He insisted he is only going off of information from the client (Cox Cable). Yet, their client informed me according to their system my account balance was $113. I asked how could Cox Cable's system say $113 and that same system tell I C System it's $193, spite having received $80 of it. He surmised Cox Cable tagged the $80 back on the account; that perhaps the payment didn't go through. I said that's not possible considering Cox did not report this. I expressed that it felt like they were stealing money from me.
I made the point that they fraudulently reported an old and incorrect balance on my credit report in hopes I would just pay to settle the account; knowing I owed less. They took no steps to question or verify the data received; and thus careless to the impact on my credit. The customer rep was rude and did not care that their system reported incorrect information. The company as a whole has a very outdated way of resolving issues; spite being one of the first computerized collection agencies. In looking into their company, it appears I am not the only one to experience this.
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