• Report: #239461

Complaint Review: I. C. System Inc.

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  • Submitted: Sat, March 17, 2007
  • Updated: Wed, May 23, 2007

  • Reported By:Garfield New Jersey
I. C. System Inc.
444 Highway 96 East St. Paul, Minnesota U.S.A.

I.C. System Inc. IC System Inc. Harassing phone calls personal questions social security collection ageny covert terroristic tactics dishonest billing probing secretive weird strange nasty cruel bullying St. Paul Minnesota

*UPDATE EX-employee responds: Recourse for the harassed.

*UPDATE EX-employee responds: Recourse for the harassed.

*UPDATE EX-employee responds: Recourse for the harassed.

*UPDATE Employee: HMMMMM....

*Author of original report: Constructive?

*Consumer Comment: pay it

*Consumer Suggestion: What works

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I.C. Sys Inc. calls our home several times a day. They do not leave messages, They flood my caller ID. From on line searches I have found that they are a collection agency from Minnesota.

The number on my caller ID is: 651-481-6302. I have used Who Called Us at http://whocalled.us/lookup/6514816302
to look them up. There are many complaints over there to.

Go read the sorrows of others and you'll understand exactly why I am upset with IC System's hostile actions and strange covert ways.

When I do answer the phone, I'm asked many personal questions but I.C. Sys Inc. don't answer one's that I ask, simple questions such as "Who are you?" and "What do you want?"

I have answered against my better judgement because I figured if I do, they will end the stalking. Well, I shouldn't have because they didn't.

I have told the guy on the phone to have him and the company stop calling because I feel as though I'm being harassed.

He has ignored that request and keeps phoning and asking personal questions about me and my family. I had to look the source up for a little peace of mind because as far as I knew, this guy and, or company could be a terrorist organization.

Sounds like the same person most of the time but it's difficult to tell because my request to have him identify himself have fallen on deaf ears.

I complained that he called me over twenty times and he told me that wasn't true. He said this was the first time he called me today. That lack of professionalism adds to my worries.

I said I was going to report him and he told me to go ahead. So, here I am, reporting him and the so called company he works for named I.C. System Inc.

The only address they have listed on their web site is their mailing address so I have listed that as their physical address.

I want to take legal action.

What recourse do I, the people complaining here on RipOffReport.com and the over forty something people that have written on the WhoCalledUs.com site have to do to have IC System inc. cease and desist?

John
Garfield, New Jersey
U.S.A.

This report was posted on Ripoff Report on 03/17/2007 01:39 PM and is a permanent record located here: http://www.ripoffreport.com/r/I-C-System-Inc/St-Paul-Minnesota-55127-2557/IC-System-Inc-IC-System-Inc-Harassing-phone-calls-personal-questions-social-security-c-239461. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 UPDATE EX-employee responds

Recourse for the harassed.

AUTHOR: Kevin - (U.S.A.)

Dear John,

I worked for IC System several years ago. It's been a while, but here are some things that may help you understand what's happening.

First, the FDCPA (laws that govern the behavior of collectors) does not allow a collector to identify himself as such unless he can verify he is talking to the correct person. If you are actually in debt, this prevents the collector from telling your employers, roommates...whoever that you are in debt. It prevents blacklisting, protects your privacy and promotes the security of your personal information. It may seem rude, but the collector was legally correct not to share his intentions with you. Also, the FDCPA says that a collector may "contact" you once per day. By that, it means that a collector may call until he actually speaks to you. If he gets an answering machine, or nothing, he may keep trying.

Once they know who you are, they will likely say, "My name is ____. I am calling in regards to your overdue account (or debt) of $xxxx to XYZ Company. Any information in this call will be used to collect on this account." It's called a "mini-miranda." The collector should make his intentions clear once you've identified yourself as the debtor. If he doesn't do so at that point, he is in the wrong.

Now, let's assume that you are actually in debt. If you plan on letting the collector help you and schedule a payment arrangement, then talk to them. Once you make a payment arrangement, they likely won't call you again unless you break your end of it.

Now let's assume that you are NOT in debt. Then you have a problem, but it's an easy one to solve. Get the address for IC System. Write a letter to them requesting that they cease all communication to your phone number and address. Send it with a delivery confirmation. Once they receive it, they are legally bound to cease all communication with you (except to say that they received your request) unless they can validate your debt. If they can prove your debt, they will begin calling again. If they can't/don't then you will not hear from them again. Actually, you have the right to cease communication even if you are in debt, but it's not a helpful route to take.

Here's the other problem that may apply. IC System makes the majority of its calls through an auto-dialer. I was receiving calls from angry people who had no debt, but were receiving calls from us. Some even gave me their phone numbers and SS#s to verify their identity (If asked for your SS#, give nothing or only the last four digits). Nothing came up in the system for these people. I asked my boss to check the numbers. He said that he couldn't fix the problem or shut down the autodialer because we might lose money. That's when I started looking for a new job. They may be calling you out of a computer glitch.

Here's what does not work.
1. Yelling at or intimidating the collector: they get it all the time, you won't scare them.
2. Making them talk before you identify yourself: they can't, it's against the law.
3. Threatening legal action: they get this all the time too, you don't scare them. If they actually broke a law, go ahead. But if they were just rude...don't bother.

Your best bet: write a cease communication letter. Good luck, I hope your troubles come to a quick end.

Peace,
Kevin, Former Collector for IC System
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#2 UPDATE EX-employee responds

Recourse for the harassed.

AUTHOR: Kevin - (U.S.A.)

Dear John,

I worked for IC System several years ago. It's been a while, but here are some things that may help you understand what's happening.

First, the FDCPA (laws that govern the behavior of collectors) does not allow a collector to identify himself as such unless he can verify he is talking to the correct person. If you are actually in debt, this prevents the collector from telling your employers, roommates...whoever that you are in debt. It prevents blacklisting, protects your privacy and promotes the security of your personal information. It may seem rude, but the collector was legally correct not to share his intentions with you. Also, the FDCPA says that a collector may "contact" you once per day. By that, it means that a collector may call until he actually speaks to you. If he gets an answering machine, or nothing, he may keep trying.

Once they know who you are, they will likely say, "My name is ____. I am calling in regards to your overdue account (or debt) of $xxxx to XYZ Company. Any information in this call will be used to collect on this account." It's called a "mini-miranda." The collector should make his intentions clear once you've identified yourself as the debtor. If he doesn't do so at that point, he is in the wrong.

Now, let's assume that you are actually in debt. If you plan on letting the collector help you and schedule a payment arrangement, then talk to them. Once you make a payment arrangement, they likely won't call you again unless you break your end of it.

Now let's assume that you are NOT in debt. Then you have a problem, but it's an easy one to solve. Get the address for IC System. Write a letter to them requesting that they cease all communication to your phone number and address. Send it with a delivery confirmation. Once they receive it, they are legally bound to cease all communication with you (except to say that they received your request) unless they can validate your debt. If they can prove your debt, they will begin calling again. If they can't/don't then you will not hear from them again. Actually, you have the right to cease communication even if you are in debt, but it's not a helpful route to take.

Here's the other problem that may apply. IC System makes the majority of its calls through an auto-dialer. I was receiving calls from angry people who had no debt, but were receiving calls from us. Some even gave me their phone numbers and SS#s to verify their identity (If asked for your SS#, give nothing or only the last four digits). Nothing came up in the system for these people. I asked my boss to check the numbers. He said that he couldn't fix the problem or shut down the autodialer because we might lose money. That's when I started looking for a new job. They may be calling you out of a computer glitch.

Here's what does not work.
1. Yelling at or intimidating the collector: they get it all the time, you won't scare them.
2. Making them talk before you identify yourself: they can't, it's against the law.
3. Threatening legal action: they get this all the time too, you don't scare them. If they actually broke a law, go ahead. But if they were just rude...don't bother.

Your best bet: write a cease communication letter. Good luck, I hope your troubles come to a quick end.

Peace,
Kevin, Former Collector for IC System
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#3 UPDATE EX-employee responds

Recourse for the harassed.

AUTHOR: Kevin - (U.S.A.)

Dear John,

I worked for IC System several years ago. It's been a while, but here are some things that may help you understand what's happening.

First, the FDCPA (laws that govern the behavior of collectors) does not allow a collector to identify himself as such unless he can verify he is talking to the correct person. If you are actually in debt, this prevents the collector from telling your employers, roommates...whoever that you are in debt. It prevents blacklisting, protects your privacy and promotes the security of your personal information. It may seem rude, but the collector was legally correct not to share his intentions with you. Also, the FDCPA says that a collector may "contact" you once per day. By that, it means that a collector may call until he actually speaks to you. If he gets an answering machine, or nothing, he may keep trying.

Once they know who you are, they will likely say, "My name is ____. I am calling in regards to your overdue account (or debt) of $xxxx to XYZ Company. Any information in this call will be used to collect on this account." It's called a "mini-miranda." The collector should make his intentions clear once you've identified yourself as the debtor. If he doesn't do so at that point, he is in the wrong.

Now, let's assume that you are actually in debt. If you plan on letting the collector help you and schedule a payment arrangement, then talk to them. Once you make a payment arrangement, they likely won't call you again unless you break your end of it.

Now let's assume that you are NOT in debt. Then you have a problem, but it's an easy one to solve. Get the address for IC System. Write a letter to them requesting that they cease all communication to your phone number and address. Send it with a delivery confirmation. Once they receive it, they are legally bound to cease all communication with you (except to say that they received your request) unless they can validate your debt. If they can prove your debt, they will begin calling again. If they can't/don't then you will not hear from them again. Actually, you have the right to cease communication even if you are in debt, but it's not a helpful route to take.

Here's the other problem that may apply. IC System makes the majority of its calls through an auto-dialer. I was receiving calls from angry people who had no debt, but were receiving calls from us. Some even gave me their phone numbers and SS#s to verify their identity (If asked for your SS#, give nothing or only the last four digits). Nothing came up in the system for these people. I asked my boss to check the numbers. He said that he couldn't fix the problem or shut down the autodialer because we might lose money. That's when I started looking for a new job. They may be calling you out of a computer glitch.

Here's what does not work.
1. Yelling at or intimidating the collector: they get it all the time, you won't scare them.
2. Making them talk before you identify yourself: they can't, it's against the law.
3. Threatening legal action: they get this all the time too, you don't scare them. If they actually broke a law, go ahead. But if they were just rude...don't bother.

Your best bet: write a cease communication letter. Good luck, I hope your troubles come to a quick end.

Peace,
Kevin, Former Collector for IC System
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#4 UPDATE Employee

HMMMMM....

AUTHOR: Melissa - (U.S.A.)

If you would have said that you are the person they are looking for they would have told you all of it. But let me guess.... you tried to play games in saying that you are not who you really are. Do you want us telling all of your business to another person that we have no idea who they are?

Collection conversation example:

Collector: "Is John there?"

"This is him"

Collector: "Hi Mr. Johnson are you still getting your mail at 123 Main ST?"

"Yes"

Collector: "This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. John I am calling today to resolve the balance of $XXX that is due with XXX. What are your intentions on resolving this matter today?"

That simple as to getting to the point of the conversation and that takes less than a minute!!
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#5 Author of original report

Constructive?

AUTHOR: John - (U.S.A.)

Great advice. Get a job and pay your bills just like everyone else. Could not have put it better myself, except for the "like everyone else" part because that is not reality. This is why there are so many Chapter 11's out there. Sharp constructive criticism that in no way hops over the Captain Obvious line. I suppose everyone else whose had serious problems with this place thanks you.

Now for reality, I have a job that pays enough to where it entitles me to pay my bills, and I do. The reason of the original post was to let folks know that I had to dig to find out they were a collection agency and even to this day don't know what they are collecting for. I suppose I'll find out when it unfairly ruins my credit by appearing on my credit report. I will then have to protest and have it removed but by that time it will have done its damage.

This place will do nothing but harass through constant calling and when asked to tell me why they are calling, refuse to answer? Odd, scary, harassing company that's even a waste of time and money for those who have hired them.
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#6 Consumer Comment

pay it

AUTHOR: Get - (U.S.A.)

would you people pay your bills and stop trying to make a quick buck. if you go to court the only person getting money will be your lawyer and thats from you i mean. get a job pay. your bills like everyone else.
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#7 Consumer Suggestion

What works

AUTHOR: Rick - (U.S.A.)

I filed a complaint here already, stating what I did that worked.

I sent them a Summons and Complaint for violating the Fair Debt Collection Practices Act, demanding the statutory $1,000 plus expenses. They didn't respond, so I am filing an Application for Default Judgment in Federal Court. Once that is entered, I will file a Motion for a Writ of Execution and collect the money from their bank account.
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