I C Systems - collection agency tactic

[mnosal9]

Well first I would like to start off by saying never let a collection agency try to intiminate you in any way, dont ignore the letters in the mail. I got a collection letter in the mail from IC Systems from a paypal account that they said I owe $1,200. First off I dont owe paypal anything. I sent the buyer parts for his car and he disputed it that they were not the correct parts and they went in his favor and I am out my parts as well as $1200. Then they come to me for the money...really im not giving them a dime since I didnt get my parts back. So I wrote a letter to IC systems that I want them to verify and validate the debt owed and to cease all phone communication and keep everything in mail writing only. That was back in january. Then I havent heard from them til about a week ago. I got a phone call from them when I was at work and couldnt answer so they left a voicemail stating that I owe them money. Its been past their 30 days and I made that very clear in the letter that if they cant verify the debt that they have to stop trying to collect from me or they are in violation of the FDCA. After that I immediately filed a complaint with the BBB and the FTC stating exactly what I wrote in the letter and telling them the letter was ceritified and they never responded with the debt validation and I asked all phone communication ceased because I cant answer my phone at work and that they still called me and violated more of my rights and yes i googled which right they were violating and put that in the complaint to the FTC. The very next day I got a call from them so I answered and it was an executive from their office apologizing for everything and that they returned the account to paypal and are closing the collection account and are ceasing all communication with me and will never bother me on the account again and they are sending me a letter stating exactly what he just said for my documentation.      Me 1 ---- Collection agency 0.

[Shogun]

Nice work.  However you should expect another contact from another CA.  

[RobertEG]

Actually, if your DV was timely, then your cease communication instruction was redundant.

A timely DV invokes a total cease collection bar, of which communications with you are only a part.

Their call was also a violation of their cease collection bar under FDCPA 809(b).

Their exec obviously saw the double violation of both your request for ceased communication and their commincation without having provided the requested debt validation.

They deleted as a way to put their violations under a barrell, and most likely also to prevent you from disputing the accuracy of their reporting under the FCRA.

No reporting = no inaccuracy to dispute.

Nice job!