Internal Check Systems, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/03/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 959XX	Web
In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new XXXX - XXXX XXXX. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over XXXX points. XXXX XXXX never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.
02/26/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA XXXXX	Web
I recently asked Chexsystems Consumer ID : XXXX .for my consumer report because i applied for 2 credit unions and was denied due to the contents of my report. I know i had nothing negative on my report so I was surprised when those Credit Unions turned me down for membership no thanks to a credit lookup they did on my Chexsystems report. Apparently there are 2 inquiries that are past 2years! Credit repositories are only supposed to hold inquiries for 2years. Credit inquiries are required by law to remain on your credit reports for 2 years. 1 ) Inquirer : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2 ) Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. The list of following Inquiries are ones I dont recognize at all! and I didnt authorize to pull my Chexsystems report. Per FCRA 604 To my knowledge, I have not signed any documents authorizing these organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.. Either Validate this data with them which i assure you they WONT BE ABLE TO! or delete the following as soon as possible as it has hurt my ability to obtain credit and goods both which are punishable by federal law. 1 ) UNKOWN Inquirer : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2 ) 1 ) UNKOWN Inquirer : XXXX Bank XXXX Date : XX/XX/XXXX 3 ) 1 ) UNKOWN Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX ) UNKOWN Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
08/21/2015	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	NC 28078	Web
I received a call from a private number notifying me that I had been served and to call XXXX and provide case # XXXX. I called that number an the company did not identify themselves until I asked who I was calling. I was transferred to a man named XXXX who proceeded to tell me I owed a Payday Loan from 2010. He had details of an old bank account and old email address of mine. I asked who had called and told me I had been served and he answered a courier company had called me to notify me of a pending judgement. I think this debt is too old to collect on and am not even sure I still owe said loan. He gave me XXXX options for payment and told me I had to pay them something to allow him to put a stop order on the judgement where it would end up costing me $ XXXX to take care of. I told him I would n't and could n't guaranty anything until I had time to thiink about it. He kept pushing for some type of payment which I refused to give. As far as I know thay are not even licensed in the state of NC to be able to collect a debt. I 'm furous that I had to hear about this from a courier company who tells me I 've been served. Is that legal??
08/28/2015	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	NV 89081	Web
I have recieved XXXX calls XXXX on XX/XX/XXXX and XX/XX/XXXX ) from a XXXX XXXX with Internal Check Systems ( ICS ) saying that she is coming to my home or place of employment to serve me legal documents for a debt unless i contact them. I called them back on XX/XX/XXXX to get more information and was told that I owe {$520.00} from XXXX XXXX XXXX for a loan that I took out XX/XX/XXXX. They said that I took out a loan and failed to pay the loan back. Therefore, they said that I wrote a bad check. They also have called family and friends telling them that I am in debt and they are filing a lawsuit against me and that they are coming to my house to file papers on me. This information is none of my family and friends concern. They should not be contacting them, telling them my person business. This loan was taken out over 4 years and i honestly do not remember the circumstances involving the loan, but I do know for a fact that at the time I took the loan out, my intention was to pay it back. I have the voicemail messages left by " XXXX XXXX ''.
07/31/2015	No	Debt collection Payday loan	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 95757	Web	Servicemember
I received call from unknown number stating they were going to serve me and had a warrant out for me. He said that he was from the XXXX County Courts and to call XXXX for more information. I called this number and it was to Internal Check Systems. I was told they were calling regarding a payday loan for XXXX XXXX XXXX. I advised him that this sounds like a scam since there XXXX for this company had a scam alert. XXXX yelled obscenities at me and hung up. I called back and asked for the manager. I was transferred to a XXXX XXXX who told me he was the owner. I asked him if he was a debt collector, why he did he not send me anything through the mail. He advised me that he did a month ago, but would not say what date. I advised him I never got anything in the mail and that this is the first they have called. I asked for him to mail this to me but he refused and said that they would sue me and go to my work or home. I told them I have paid this in full. He told me he would only give me till Monday to send him my response.
10/25/2019	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	GA 30058	Web
On the date of XX/XX/XXXX. My XXXX XXXX XXXX was broken into between the hours on XXXX XXXX. I approached my vehicle to start it up before heading to work and noticed that my drivers side window was busted. I opened the door to see the inside of the vehicle destroyed as well as items missing from the vehicle. Items missing including my wallet. Contents in the wallet contained ( XXXX and XXXX XXXX XXXX Debit cards, XXXX XXXX card, Social security card and {$50.00} cash ) .. Other items missing from the vehicle were my reading glasses and 2 pairs of shoes et ... when i initially filed the police report the officer gave me incorrect case number. My insurance took care of the damages so i didn't keep pursing the investigation. Later I discovered that someone used my information fraudulently at XXXX XXXX XXXX. Ever since then, I have not been able to get a bank account. This is Really hurting the process of me getting and starting my business.
08/03/2015	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	NY 14216	Web
this company Internal check XXXX XXXX out of NEW york is calling saying they are process servers from my county, and are going to have the sheriff come and arrest me if I do n't pay immediately. Also, they claim to be a government ran business and attorneys and investigators. Just using any scare tactic that they can to con you into paying. they do n't verify any personal information, refuse to verify debt or give their physical address. the spoke to my family and my boss and disclosed that they are going to arrest me if I do n't pay a bill today ... I looked online and they are doing this to everyone. someone has to stop this immediately. I did some research and the company is registered toXXXX XXXX XXXX XXXX, NY XXXXthey use the mailing address:XXXX XXXX XXXX XXXX XXXX, NY XXXXthis address is a XXXX store that they have a XXXX XXXX atthey have numerous numbers that they use, but I believe the main number is XXXX.
09/02/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33063	Web
I had an account with XXXX XXXX XXXX for 6 months with my direct deposit from work going in every week for XXXX one day i deposit a check of my daughter supposed payroll for XXXX they gave me XXXX in advance available 3 days later they close my account because it was a fraudulent check they charge me the XXXX out of my direct deposit that came that week and gave a check 3 weeks later for XXXX i don't care about the account being close with them they terrible what i care is they report me as fraud to XXXX XXXX and XXXX XXXX and because of this i can't open another account this is not fair i paid them what it was own and that check wasn't mine it was from my daughter online employer i was doing her a favor where is the fraud there? Now all the banks think i do fraud
07/31/2015	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	KY 424XX	Web
Not exactly sure who debt is with. I think it is all a scam I Can only think of a payday loan back in 2009. Was paid back in 2009. The caller today called my work and gave out my social security number and supposedly a case number, called my ex-husband who I have n't any contact with in XXXX years and gave out my social security number and called XXXX other people. This is illegal and I want them closed down and fined for giving out personal information. If I owe anyone a debt they need to send me documentation as any debt collector would do.
07/13/2015	No	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	FL 33023	Web
This company continue to contact my family members and landlord also my job. I have no idea how they are getting my families information. No one they are contacting are a reference. Also I spoke with a very rude man that called my job. He XXXX XXXX said he had a warrant for my arrest and when I asked him for what his response was he did n't know, that 's strange if he had a warrant. These unprofessional, illegal collection need to stop. Over I asked him do not call my job again he called my HR dept. This was very embarrassing.
08/27/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA XXXXX	Web	Older American
Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. XXXX XXXX XXXX closed my account after freezing it an reported me to XXXX XXXXXXXX and XXXX XXXX for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because XXXX XXXX XXXX reporting.
02/12/2018	No	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63129	Web
I received a call today from ( XXXX ) XXXX. She stated her name was XXXX XXXX and was calling with Check Systems/Consumer Report Agency about fraudulent activity on a XXXX XXXX account. She stated I needed to call her back immediately or have my lawyer call her. My father also received the same call and she threatened him with begin served if he did not make sure I called them back. They gave me one file number and him a different one. I know this is a scam and want it to stop immediately.
06/17/2015	No	Debt collection Payday loan	Communication tactics Threatened to take legal action	IL 606XX	Web
A gentleman by the name of XXXX XXXX is calling me, my wife, my parents, my wife 's parent, and my friends and telling them I have a court judgement against me and that he was sending a law official over to issue a citation for arrest. He calls non-stop and provides this information. I called the courts and they do not have a number that he keeps giving and they do not have any record of him. Please help. I have kept a recording of what he says on my phone. XXXX XXXX # XXXX
07/21/2015	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 337XX	Web
This was a payday loan from XXXX and the callI I got yesterday was threatening to have me arrested if I fail to pay {$460.00} by a certain time.
10/19/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95662	Web
I do not owe XXXX XXXX there Stating I owe them {$1200.00} when I bought my phone out right and only had their service for one month
05/11/2020	No	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 77024	Web

04/02/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77024	Web

08/22/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	WY 82007	Web	Servicemember

07/22/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48223	Web

03/18/2019	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	TX 77005	Web

02/05/2019	No	Checking or savings account Checking account	Opening an account Unable to open an account		Phone

08/20/2015	No	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	LA 70003	Web

07/17/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TX 75150	Phone

03/20/2015	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	SC 29732	Web

02/10/2015	No	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 94121	Web