[JayinGR]

I have been recently contacted by IC Systems via e-mail.

Today they called (came up on C ID) and asked if I was me. I said yes and they hung up.

I called back and asked why they were calling. They could not find me in their system by phone #, ss# or last name.

Tonight around 9pm EST I get an e-mail on the blackberry and its from BBrown@comdes.com

Its a dunning e-mail and its the first communication (less the phone call from them today) that I have received. The E-mail is below

JayinGR,

Please contact our office at 1-888-241-8960 regarding an important business matter. When calling, please refer to your reference number, XXXXXXXX.

MON-WED 8:00AM-9:00PM

THURS-FRI 8-4:30 SAT 7-1

This message was sent from an unmonitored mailbox and is unable to accept replies. If you wish to contact us, please call us at the above phone number. We are a debt collector attempting to collect a debt and any information obtained will be used for that purpose.

Thats it. No required notice of my ability to dispute or letting me know who this e-mail is from. What is above is exactly what was sent (less my personal info).

Any thoughts....?

[roybean]

That's a new one.

[JayinGR]

I know...perplexed me thats for sure

[JayinGR]

Well IC called bright an early today.

I spoke with a CSR who informed me I could not dispute the debt I had to do it directly with the OC. I asked her why I could not dispute with IC since they were collecting on behalf of OC, she said because you cant.

She also claims they sent two letters:

One by e-mail yesterday and one by snail-mail yesterday.

I told her don't call she said ok and that was that so we will see what happens.

[roybean]

Well, I know you know better, right? You know the drill; do whatcha gotta do.

[spinn]

Jay I would be careful with this.....it could be paypal fraud. Do you sell things on ebay or using paypal?

"Recently, one of my friend got an email from BBrown(at)comdes.com asking him to call them regarding an “urgent business matter” at 1-888-241-8960. This was in connection with his Paypal account. B. Brown is the “Collections Manager” in a collection agency called I.C. System based in Minnesota."

BBrown(at)comdes.com 1-888-241-8960 - Debt Consolidation » DebtConsolidation BBrown(at)comdes.com, 888-241-8960, Debt Consolidation, comdes.com » Just Do it

More importantly:

"1. Paypal illegally allowed charge back when i had "charge back protection" (customer charged back around $3K 3 months after initial transaction. When it happened i had $10 on my Paypal, and less than $1k on my checking account. this transaction automatically locked both accounts leaving me without possibility to accept electronic payments, or deposit checks. I am self-employed, web-related)
2. The dispute was resolved 40 days later against me. 2.5 months later i faxed the copy of small claims court to PayPal, and my "

How's PayPal in bed?

[hannah]

Jay, send a validation/dispute letter by CMRRR to IC Systems. Include that it is inconvenient to contact you by phone and costing you money for them to contact you by email. Tell them to only correspond with you by US. snail mail.

Do not call them, do not answer calls from them if you are not recording, and do not answer the emails. (But do save them as evidence.)

[JayinGR]

Spinn you are correct this is for my paypal account which is -43.65 which I refuse to pay because of a fraudulent buyer.

I called IC this morning (taped of course) and told them I am not paying them a dime and demanded validation. I also told her I will mail it out today CMRRR requesting validation. I told her NOT TO CALL ME AT ALL ANYMORE and to keep it by SNAIL mail only.

She told me I could not request validation through IC only through the OC (paypal) I said well I thought the FDCPA allowed me to request it from the debt collector. She say says well we already sent it to you. I said how cant you have already sent it if I never requested it.

She said well we did and hung up

[hannah]

Originally Posted by JayinGR

She said well we did and hung up

[JayinGR]

Originally Posted by hannah

Jay, send a validation/dispute letter by CMRRR to IC Systems. Include that it is inconvenient to contact you by phone and costing you money for them to contact you by email. Tell them to only correspond with you by US. snail mail.

Do not call them, do not answer calls from them if you are not recording, and do not answer the emails. (But do save them as evidence.)

Thanks Hannah!!

I sent out the request this afternoon. I told them to not contact me by phone or e-mail and ONLY by regular mail. And guess what they called while I was typing this demanding payment again

[spinn]

Originally Posted by JayinGR

She said well we did and hung up

That counts as validation......how would you like to pay today?

Maybe you can pay them by paypal?

[JayinGR]

Originally Posted by spinn

Maybe you can pay them by paypal?

[Enigma]

Jay,

You were selling something on ebay? You had a charge-back that caused your account to go negative?

Please explain in greater detail as to what is happening.

[spinn]

I had a similar issue once.

I sold something. Buyer never paid. After three weeks of emails by me to buyer asking him to pay, I re-listed item and sold it to different buyer who paid immediately. I shipped item same day.

Three weeks after that initial buyer pays (6 weeks after sale). I was upset, he paid 6 weeks late and I sold item because I needed the money.

I stall on refunding and admittedly was wrong to not refund, my plan was to refund after two months.

Account ends up with NCO and I pay Paypal the money and all is well.

Jay probably sold an item the buyer either returned or claimed was defective or was never sent.

[Enigma]

Originally Posted by spinn

Jay probably sold an item the buyer either returned or claimed was defective or was never sent.

If this is the case, then the FDCPA does not apply.

[JayinGR]

I sold an item (antique light fixture). Buyer says its not as described. (it is just as described). He makes paypal complaint and paypal refunds him his $$. I refuse to pay so they send the 43 and some odd cents to IC systems for collection.

I tell them not to call or e-mail and only snail mail. They call three times today regardless. All calls recorded.

So this buyer has my antique light fixture (1895 circa) and my money.

[Enigma]

Originally Posted by JayinGR

I sold an item (antique light fixture). Buyer says its not as described. (it is just as described). He makes paypal complaint and paypal refunds him his $$. I refuse to pay so they send the 43 and some odd cents to IC systems for collection.

I tell them not to call or e-mail and only snail mail. They call three times today regardless. All calls recorded.

So this buyer has my antique light fixture (1895 circa) and my money.

FDCPA does not apply. Your only choice at this point is to sue the guy.

One caveat, never leave money in your PayPal account.

[JayinGR]

Originally Posted by Enigma

FDCPA does not apply. Your only choice at this point is to sue the guy.

One caveat, never leave money in your PayPal account.

I don't get it Enigma. How does the FDCPA not apply?

I had a positive balance and would have had a positive balance if Paypal would not have refunded this guy money.

So they refund him the money and attempted to collect it from me for about 2 months. Then they sent the balance to I.C. Systems for collection.

I.C. Systems is acting as a debt collector attempting to collect a debt for Paypal as Paypal says its due and owing.

Thanks for any insight.

[roybean]

Originally Posted by Enigma

FDCPA does not apply. Your only choice at this point is to sue the guy.

One caveat, never leave money in your PayPal account.

Especially if you're selling on Ebay and I wouldn't