Debt collection -- False statements or representation -- Complaint #11184588
Complaint Overview
Complaint ID: 11184588
Company: Internal Credit Systems, INC
Product: Debt collection
Sub-Product: Other debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Virginia
ZIP Code: XXXXX
Date Received: 2024-12-10T12:00:00-05:00
Date Sent to Company: 2024-12-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint regarding unethical and harassing debt collection practices by Internal Credit Systems , Inc., a debt collector claiming to collect on behalf of XXXX XXXX XXXX. The conduct violates the Fair Debt Collection Practices Act ( FDCPA ) due to inconsistent and misleading information, lack of transparency, and inappropriate language in communications. Initial Issue : I originally canceled my gym membership at XXXX XXXX. In XX/XX/year>, XXXX communicated that my outstanding balance was {$84.00}, including a cancellation fee. However, the debt collector, Internal Credit Systems , Inc., initially claimed in XX/XX/year> that I owed {$95.00} for seven missed payments and late fees. Unjustified Escalation : In subsequent emails, Internal Credit Systems escalated the balance to {$300.00} without providing a proper breakdown or justification. They later claimed the amount included seven payments of {$29.00} ( {$200.00} ) and {$95.00} in fees. This conflicting information highlights their lack of transparency. Screenshots of these emails have been attached as evidence. Harassment and Unprofessional Behavior : When I requested clarification and validation of the debt, the collector responded with harassment and derogatory remarks, such as : " If you can't read, have someone else read it for you. '' " We're done with you, sir. '' " You need to spend more time figuring out how to pay this debt. '' These communications are unprofessional, threatening, and violate the FDCPA guidelines on appropriate collector conduct. Violation of My Rights : Internal Credit Systems failed to provide clear validation of the debt, gave inconsistent information, and attempted to coerce me into paying without allowing me to dispute the balance. The threatening tone, unsubstantiated charges, and harassment have caused significant stress and confusion.
Frequently Asked Questions
What is Complaint #11184588 about?
Complaint #11184588 was filed against Internal Credit Systems, INC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-12-10T12:00:00-05:00.
How did Internal Credit Systems, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Internal Credit Systems, INC?
Yes, visit the Internal Credit Systems, INC company profile at readthecomplaint.com/company/internal-credit-systems-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.