Debt collection -- Attempts to collect debt not owed -- Complaint #4353995
Complaint Overview
Complaint ID: 4353995
Company: I.C. System, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 78253
Date Received: 2021-05-05T12:00:00-05:00
Date Sent to Company: 2021-05-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX Opened by a spouse/partner-XXXX XXXX Unknowningly was added as an authorized user without my knowledge or consent. Last payment made-XXXX {$300.00} limit / high limit {$550.00} Date closed XXXX Account was closed by grantor Debt is appearing on my credit yet I had no knowledge or usage of said account. XXXX XXXX Opened by my ex spouse/partner XXXX XXXX - was added as co-signer/joint applicant Account opened- XX/XX/XXXX High balance- {$5100.00} Balance- {$750.00} Charged off XX/XX/XXXX Last payment madeXXXX Upon splitting up she stated she was keeping the furniture and would remove me from the account and keep paying the payments, however that did not happen. We split up XX/XX/XXXX XXXX - I C systems Collection Account opened-XX/XX/XXXX High balance- {$560.00} Amount due- {$560.00} Balance- {$560.00} This account was not authorized or opened by me, I have no knowledge of this account and do not acknowledge this debt held against me. *note* There are multiple of identical inquiries against my credit that were not initiated by me or on my behalf. Nor were these inquiries authorized. XXXX XXXX bank- multiple repetitive inquiries, fraudulent credit attempts XXXX.XXXX fraudulent inquiry XXXX- fraudulent inquiry
Frequently Asked Questions
What is Complaint #4353995 about?
Complaint #4353995 was filed against I.C. System, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-05-05T12:00:00-05:00.
How did I.C. System, 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 I.C. System, INC.?
Yes, visit the I.C. System, INC. company profile at readthecomplaint.com/company/i-c-system-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.