800-887-5902

Third-party debt collector located at 444 Highway 96, E St Paul, MN. Search 'How to Beat IC System in Court' and 'How to Remove IC System from Your Credit Report' if they are persistent and you feel the contact is unwarranted.

Reading stuff like that usually ends up with really poor advice or people that want to take your money to help you.  I guess you don't really have a clue how to handle debt collectors?

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

IC SYSTEMS AKA CREDIT PROTECTIVE SVC OF IC SYS INC

Web site list an alleged PO box for an address:   https://www.icsystem.com/consumer/

BBB lists them as an accredited business now gives them an A rating, up from a B with 1,709 complaints (the BBB removed 251 complaints so that they could up the rating after being paid to do so), and 51 negative reviews and two paid for positive reviews (It also looks like they removed a few negative reviews as well) as of 3/18/2024:  http://www.bbb.org/minnesota/business-reviews ... int-paul-mn-554
State of Minnesota:

State     Minnesota
Board     Debt
Inquiry Date     05/07/2015 06:48 PM
IC SYSTEM INC

Business Location Address 444 E HWY 96
P O BOX 64444
ST PAUL, Minnesota 551640444

Business Phone Number 651-483-8201

Fax Phone Number

Licenses
Collection Agency
License Number     Original Issue Date     Status     Effective Date     Expiration Date
8000009     10-15-1941     Active     07-12-1989     06-30-2015

Aliases
Former Name
Name:    Effective Date    End Date    License Type
CREDIT PROTECTIVE SVC OF IC SYS INC    02-17-2007

They have 228 registered thieves working for them.
Other complaints:
http://ic-systems.pissedconsumer.com/
http://www.consumeraffairs.com/debt/lc_system.html
http://www.creditreportproblems.com/IC_Systems.htm
http://www.complaintsboard.com/complaints/ic-systems-c52318.html
Looks like they get sued a lot:
http://law.justia.com/cases/federal/district- ... 0181/390259/32/
http://buckleysandler.com/uploads/36/doc/Oppenheim_v_IC_System.pdf
https://www.gpo.gov/fdsys/granule/USCOURTS-pa ... ent-detail.html
http://www.debtorboards.com/index.php?topic=10593.0
http://openjurist.org/972/f2d/1067/bloom-v-ic-system-inc
http://law.justia.com/cases/federal/district- ... 4000/358202/15/

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation. It also must contain the “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this communication must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. If and when you get that communication you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

Also file here:  Minnesota:http://mn.gov/commerce/consumers/file-a-complaint/file-a-complaint/

I have been receiving several texts stating that I owe AT&T Mobility money, when in fact I do not. A few years ago I contacted my mobile phone carrier, AT&T, about a suspicious bill I had received from them for $799.99, which was the cost of a new Samsung phone. At that time I had just switched my service from T-Mobile to AT&T, and AT&T sent me the wrong phone that I ordered. This matter was cleared up, however, when I brought the wrong phone into an AT&T store and was told that the phone I wanted would take more than a month to become available. So, I settled with the phone that they sent me. When I called the number on the bill to report their mistake, I knew that it wasn't AT&T that I was dealing with, but rather it was from someone posing as AT&T. During this phone conversation I was asked to give my credit card number so they "could search their records to find out if this charge was valid." At that moment I hung up the phone and went to a different AT&T store and asked them to check their records for any outstanding balances that I owed, and I had the representative check out the bill I received. I was relieved to find out that this was a fraudulent attempt to get my credit card number and nothing more.

But that was just the beginning. Over the next two years I would receive bills from varioius fake debt collectors demanding payment for the $799.99 that I didn't owe. I contacted AT&T several times to report to them when these fraudulent collectors were after my money, and while AT&T sided with me and assured me that I did not owe them any unpaid amount of money, they wouldn't help me do anything to get the scammers to stop. I was on my own here. Each attempt that was made to scam me out of this money would be researched by me, and each and every time the results were the same. Every so called debt collector was a scam outfit. I would simply ignore the mailings and the text messages, which would also show up on my phone on occassion. Finally it seemed like the scammers gave up because several months went by and I didn't hear from any of them.

Then, out of the blue I received a text message from a company called IC Sytem Debt Collector demanding this payment that I did not owe to AT&T Mobility. I simply ignored the text, but then one month later another text showed up on my phone from the same outfit. Then two months later, another text came in from the same number with an offer to lower the amount I supposedly owed to AT&T Mobility by 55% if I pay now. Two months later I received yet another text from them offering the same discount if I paid them immediately. And two months later I received another text from them asking if I received a tax refund, because if I did, I should use my tax refund to settle this fraudulent debt.

I researched this IC System Debt Collector and was shocked to find out that they seemed to be a real debt collector from St. Paul, Minnesota. I then took a look at their history with the BBB, and I was stunned to find that I am not the only one who has been going through this fraudulent AT&T Mobility debt scam. There were several people who had written to the BBB complaining about receiving fraudulent bills from their AT&T carrier, when they did not owe AT&T any money and were still customers of AT&T, just like me. These people described the exact situation that I have been through, and just like me, their fraudulent debt somehow finally ended up in the hands of IC System Debt Collector. Each of these letters demanded that IC System Debt Collector contact AT&T Mobility to validate that their debt did not exist, and each letter demanded that the debt collector reverse any negative marks made to the three credit reporting agencies immediately. And for every one of those people who had written a letter like this, IC System Debt Collector followed up by posting a letter of apology to the writer and a statement that no money was owed. Incredible. It is absolutely disgusting that IC System Debt Collector has the privelege of operating as a legal enterprise and can potentially ruin a person's credit worthiness over a debt that originated from a low-life scammer.

I agree with everything BigA wrote about this debt collector. They are nothing but a bunch of hired thieves who have nothing better to do than to harrass people for baseless debts. Unfortunately, with the recent terrible cuts that were made to many consumer protection agencies by the ilk of Donald Trump and Elon Musk, I will assume that I should direct my complaint to the Better Business Bureau and my State Attorney General's office. Until we get these dangerous criminals out of office, it appears that seeking help from any govenment agency is not an option.