Complaint Review: I.C SYSTEMS - St Paul Minnesota

..is to send you a collection letter on behalf of eBay for a delinquent account supposedly in your name. But when you contact eBay (which is a hassle for another ripoff report), they tell you there is NO SUCH ACCOUNT number and they have no idea what the letter is all about, and want a copy of the collection letter faxed to them.

Then three weeks later, you get another letter from I.C. Systems saying the first letter was sent in error. And now you to check your credit report to see if these con artists sent anything erroneously there while trying to defraud you.

I wonder how many people got duped into sending the $50 or so dollars into these muthaf**kers. There needs to be tighter laws about collection.

The state of ohio is one of the worst states in the union, when it comes to comsumer protecting. a collection agency does not have to be license or bonded in ohio. in ohio you have 15 years to file a claim on a written contract, but 2 years to file a medical claim, where's the justice in that. sorry, follow allen advice on what to do, Just don't expect to much help from the state government, Taft and crew really screwed over this state, maybe the new guy will be better.

The state of ohio is one of the worst states in the union, when it comes to comsumer protecting. a collection agency does not have to be license or bonded in ohio. in ohio you have 15 years to file a claim on a written contract, but 2 years to file a medical claim, where's the justice in that. sorry, follow allen advice on what to do, Just don't expect to much help from the state government, Taft and crew really screwed over this state, maybe the new guy will be better.

The state of ohio is one of the worst states in the union, when it comes to comsumer protecting. a collection agency does not have to be license or bonded in ohio. in ohio you have 15 years to file a claim on a written contract, but 2 years to file a medical claim, where's the justice in that. sorry, follow allen advice on what to do, Just don't expect to much help from the state government, Taft and crew really screwed over this state, maybe the new guy will be better.

The state of ohio is one of the worst states in the union, when it comes to comsumer protecting. a collection agency does not have to be license or bonded in ohio. in ohio you have 15 years to file a claim on a written contract, but 2 years to file a medical claim, where's the justice in that. sorry, follow allen advice on what to do, Just don't expect to much help from the state government, Taft and crew really screwed over this state, maybe the new guy will be better.

First, a response to the number of calls, they are within the bounds of the FDCPA to call multiple times as long as they do not make contact. If they speak with you or leave an answering machine message, they have made contact with you and the FDCPA limits that. IF you do not answer the phone, and they don't leave a message, they have not made contact and continue to try. Second, they can call possible relatives, but purely to leave messages and for skiptracing purposes. They can not disclose the details of the debt to them, but they can use them for contact only purposes. Lastly, they do not have to send you a dispute form. You can send a letter of validation, but it sounds like this company may be collecting for E-bay. If they are, you may not be able to discuss with customer service. For example, with the company I collect for, if the account is in collections, customer service will not help at all, unless the account is in current standing.

Send them a cease communications and verification letter. Send it Return Receipt Requested. Google "cease communications letter" and "verification letter" (this will give you examples of these letters) and "FDCPA". The collection agency does not have to provide you with any dispute forms it's up to you to send them these letters. Read about the Fair Debt Collections Practices Act (FDCPA), it will tell you that it is illegal to call you with the intent to harass (meaning dozens of calls per day, etc.) and that threatening wage garnishment without first obtaining a judgment is illegal. It will give you your rights. Complain to the Federal Trade Commission and the attorney general of MN and of your state. Find out of OH has a law that collection agencies have to be licensed to collect a debt in your state (in MN they do and the Dept. of Commerce licenses them) and make a complaint with that organization. If it continues after they receive those letters, contact an attorney! Good Luck! Don't let these guys bully you!