ComplaintsforInternational Credit Experts Inc

• Initial Complaint

  01/12/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have asked for this false information to be removed from my credit report and also asked for a letter indicating such and all is cleared up I have not recieved anything nor has my credit report been repaired

  Customer response

  01/12/2023

  I had spoke with them and they said they would take care of it and nothing has been done from my first complaint I sent to you guys between these guys and ** and they haven’t removed it 

  Business response

  01/12/2023

  
  Good Day *******.
  
  Upon reviewing your complaint, it seems you have gone on credit counselling on December 7th 2021. These two debts owing to ** Bank were purchased on December 3rd, 2021. One account owing is for a overdraft and the other is for a **** you had with ** ****. With you being on credit counselling, and you are the correct individual with these two debts, can you please give us some clarity as to why we would remove these two accounts ?  Both accounts are within the 6 year time mark to be on your credit report, and we have confirmed with ** **** you went on credit counselling for these two debts. Just because you are using credit counselling services this does not mean these two matters can not be reported in your credit report.
  
  Trusting this is Satisfactory,
  
  Mike R.

  Customer response

  01/12/2023

  
  Complaint: ********
  Those dates are a lie as they were not on my credit report when i went into my trustee all was printed and listed with them and researched by them b4 hand these showed up on my credit beauro after which is against the law so what ever game you are playing I would suggest u fix it cause I will go to the media about this and put ice and ** in the public’s eye *** *** **** *** *** ******* 
  

  Business response

  05/12/2023

  Good Day Mr. *****.
  
  Please see ******** * **** ** your credit report. Clearly it shows ** **** in there from 2018 under a R9 rating ( I have highlighted it in red ). I have also ******** the letter we sent to you dated November 30th 2021 advising we have purchased these debts from ** ****.  If you did go bankrupt please show us a copy of the bankruptcy information showing you went bankrupt before we purchased the debt on November 29th 2021. We have yet to receive any documentation regarding you going on credit counselling or if you have gone bankrupt. You can email our collections manager all the information. His name is Paul F. His email address is *******@*********.ca. The dates I provided in my initial response are correct, as shown on your credit report and the letter provided in this response. As stated in the previous response. Both these debts are from 2018, they can stay on your credit report for 6 years.
  
  Trusting this is satisfactory,
  
  Mike R.

  Customer response

  06/12/2023

  as I have stated b4 I a sent you this information on a previous complaint so u have it already 

  and are u trying to tell me it’s legal for ** to accept a payout from my trustee then sell my paied debt to ice collections? There after the fact I don’t think so  inwant the ice collections **** removed off my beauro as it was put on after i had done my proposal  and get it right it is not bankruptcy 
  

  Business response

  07/12/2023

  Good Day Mr. *******.
  
  Please see Page 3 of the document sent. It clearly states it’s as of December 7th, 2021. This date is after the date of purchase of the debt. Please also be advised that you may have gone on consumer proposal on November 15th, 2021, by the time everything was processed your debt had already been sold. The province of Alberta recognizes your Consumer Proposal as of December 7th, 2021, as dated on the documentation sent over. Please also note we never received any payment from ** Bank and were unaware you had made any sort of payment to them as we never received anything from ** ****. Once again you may have signed the documents on November 15th, 2021, but this matter became official as of December 7th, 2021, when all creditors were made aware. Once again this is after the purchase of this debt. You advised you made a payment to ** **** can you please supply a copy of the receipt of this payment, as no payment should have been made through your Credit Proposal before December 7th, 2021. I believe the initial payment you are talking about is the fee to pay for your credit proposal as this is not free and the companies all charge a fee. 

  Trusting this is Satisfactory,

  Mike R.

  Customer response

  07/12/2023

  Funny how it didn’t show up on my beauro till 2023 the **** *** ***** are clearly out hand this company sent me a letter and left me messages *********** me for payment and court why else would I make the complaint they must have record or thier calls no?
  

• Initial Complaint

  30/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Got a notice on my credit report I had something sent to collections. Looked into it it was put there by ICE collections for $793 with no other inforamtion. Searching ****** I found they work on behalf of the City ** ******* recovering old debts. I also found out I am not the only person accusing them off falsely trying to claim debts. I have not been in toronto for over 10 years and never been contacted for a debt but even If i had a debt 10 years is way past the statute of limitations for how long u can wait to collect. I have called the company 12 times and left voicemails but no one ever calls back or answers.

  Business response

  01/12/2023

  Good Day *******,
  
  Please be advised this matter is not  City ** ******* account. This matter belongs to a overdraft you had with ** ****. The date of delinquency is from June 13th 2018. When applying for credit you gave a address of ** ***** **** *********** ******** *** ***  as well as a Date of Birth of 11/30/1992. We were unaware of a address change since you never updated our office or ** ****. This matter is within the 6 years of the date of delinquency and can still be reported in your credit report. Two letters were sent One from our office and one from ** **** advising they have sold your debt due to non-payment back in December of 2021. We received no response from yourself after these letters were sent. If you would like to get this matter resolved we are more then willing to help you. You can email our manager, as we never had any sort of contact with you since we received this file. Mr. ******* email address is *******@*********.ca.
  
  Trusting this is Satisfactory,
  
  Mike R.

• Initial Complaint

  15/09/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Need to have calls that happen on a daily basis to stop immediately, only communicate by email. They use auto dialers and call well outside the boundaries of collection laws in Ontario. Calls to my workplace need to stop immediately as well.

  Business response

  19/09/2023

  Good Day *****,
  
  Upon reviewing your complaint, we can confirm you have two accounts listed with us which we purchased from ** **** back in December of 2021. One account is for your ** **** with a balance of $1287.35, and the other is for a overdraft for the balance of $1310.29. Due to you having two accounts listed with us, we are legally allowed to have 6 contacts in a week. 3 contacts for each account in where we leave a message or speak with you directly. We also can see we never spoke to you regarding this matter since we have had these files in our office, and we have not received any sort of documentation advising you wanted no calls at your place of employment since you were the one who gave this phone number as a contact number as a contact number when you applied for credit. Please be advised since you are the correct individual, we will not be removing your home/cell phone number for calls to stop. Can you please confirm your place of employment number so we can remove this for you immediately.
  
  Trusting this is Satisfactory.
  

  Customer response

  19/09/2023

  
  Complaint: ********
  
  I am rejecting this response because: this is an extremely old debt I need documentation to when this was initiated by ** and again I can request to have no phone calls and just written correspondence as my right. You call more than even 6x per week. I will confirm work phone number once this is resolved.
  
  Sincerely,
  
  ***** *******

  Customer response

  19/09/2023

  Adding clarification please remove work number ************ and ************

  Business response

  20/09/2023

  Good Day Mr *******,
  
  Please see attached a copy of your credit report. These debts are both from 2018 when they were written off by ** ****, as well these matters can stay in your credit report for 6 years since the date of delinquency which like I stated are both in 2018. You are advising we call you more then 6 times per week. Please make note if we call and you do not answer that is not considered a contact as we never spoke to you. Can you please show me any sort of proof that we have spoken to you more then 6 times in one week  for your two accounts ? Once again we are more then glad to remove your place of employment phone number but we will not remove your cell/home phone number. Written notices were sent to show you ** has sold your debt back in 2021 in which we never received any response on your end from both our letters sent to **** ***** ****** ****** ************ **  *** ***. 
  
  Trusting this is Satisfactory.

• Initial Complaint

  14/09/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  On Wednesday September 13, 2023 at about 6:20pm. They call my father’s residence where I currently do not live. They left an automated message on my dad’s answering machine. My dad texts me letting me know and to call them back on this number. I called the first time and the call ended up dropping after 40 seconds. Then 20 mins I called again and it continues to ring and then there’s two different automated messages the first one in a voice of a man and the second automated message with a women’s voice. Then a customer representative name Robert F. answers. I started talking to him about the amount amount I owe. He started getting **** ******* towards me on the phone and talking about my personal life and relationship with my dad. I tried asking for the manager he said that there’s no one available but it seems like he’s the only one working. Cause I called back a few times prior he’s the only one answering the phones and no one else. He was mentioning what I owe on one credit card and another credit card. When he mentioned the *** ********** I tried to explain that I never recalled having that credit card while being in high school. I only remember having a ** credit card at the point in time. I only dealt with ** ****** ***** bank. I tried to explain that to him and he just accused me of ******** and was being very **** and ***********. Then he ******** me to go forward with charging me *****. When I’ve already been contacted by *** ****** about the same ** credit card. I’ve never been contacted in over ten years by *** bank about a ********** credit card. He was being unprofessional and he didn’t care about that. I really don’t deserve to get verbally abused by someone who doesn’t know my personal life.

  Business response

  18/09/2023

  Good Day *****,
  
  Upon reviewing your complaint, International Credit Experts will review all phone calls and see what took place with our agent on this phone call. Please be advised International Credit Experts & ** Bank have sent out notices for this matter to the address of **** ****** **** ******** **  ******, ( the address you had given when applying for credit ). We received no response from you from any of our letters. It was not until we received this complaint that we saw a new address. There is a balance outstanding with our office and we can gladly have our manager Paul F. reach out to you regarding this, or you can email Paul at *******@*********.ca. You are advising this card is a card you had opened when you were in High School, but it was used past your time in high school and is within the 6 year time frame that this matter can be in your credit report. I do believe this is your debt due to having your father phone number ( was given when you applied for credit ). I would suggest reaching out to Mr. F. and we can assist you in getting this matter rectified off your credit report immediately. If you are stating this is not your debt then a Police report would be required showing this matter is *****, and we can close the account as ***** once we receive the police report.
  
  Trusting this is Satisfactory,
  
  Mike R.

  Customer response

  18/09/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  15/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Looked on credit score seen a ICE for 1749.50...tried to contact ice twice by phone..seen it was "City ** *******" made successful contact there by email....Was told was for "court proceedings"...so to the provincial court I go. Was for fines pertaining to me not having a drivers license, while I had a license....the people were confused, but all too happy to take my money. I looked at the options I had and since all the info(contact) is on my credit report is correct, have just figured as before someone has used my name and this is the price. I paid the full amount on AUG 1st...but wait, according to ICE 12 days later, there's more..$329. more. I checked at the court there was nothing more...and it would had been rightly nice to receive a bill a call? This company has done nothing beside file a credit report (a bad one at that) couldnt be bothered to pick up the phone upon my contacting them in. **** ** **********.let go of my credit rating! They failed to do their job , cause I have no legal way to prove "this wasnt me" **** ** *********. city ** ******* ********

  Business response

  15/08/2023

  Good Day ****,
  
  Please be advised upon reviewing your complaint we can see this matter was paid off on August 1st 2023. This matter was dating back to 1990 and was never paid off until August 1st 2023 when we received the payment from the City ** *******. By law we have 30 days to remove this matter off your credit report after the payment is made. We will reach out to ********** to have this matter off your credit report within the next 72 hours and it will be removed entirely.
  
  Trusting this is Satisfactory

• Initial Complaint

  14/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with **. I do not have a contract with International Credit Experts Inc, they did not provide me with the original contract as I requested.

  Customer response

  14/08/2023

  Didn't receive validation of debt.

  Business response

  16/08/2023

  Good Day ********,
  
  Please be advised upon reviewing your complaint, we have never received the document ***** *** ********. The notices were mailed to the address provided to us by ** Bank however when you moved to a new location the forwarding address was not provided nor updated at the post office via National Change of Address. ****** *** ******** a copy of the notice of assignment showing your debt was sold from the ** Bank to International Credit Experts Inc. on November 30, 2021. We have also ******** a copy of your credit report clearly showing this matter was on your credit report when we received your file in our office from the ** Bank. Please provide a copy of the Police Fraud report which indicates this is not your debt and that someone may have committed fraud using your name. Once we have a copy of the Police Fraud report we will gladly take this matter off your credit report. For your information, the credit bureau has your account reporting since 2018 and was defaulted on 03/2019, please provide us with documentation showing that you disputed or filed claims with both the ** Bank and *******. ** Bank received your permission to outsource/sell the account to a third party upon default when you applied for the credit card as it clearly states this on the application which you signed.
  
  Please be informed, this matter will remain on your credit report until 03/2025 as a sold/transferred R9 rating account.
  

• Initial Complaint

  10/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  There is a $61 collection on my ********** credit record. I have no idea what it is. I tried calling the ICE organization and no one answers call. I left several messages and nk response. This seems odd for a collection agency. I want the amount removed form my record. I have never had a collection item in my life.

  Business response

  11/08/2023

  Good Day ****,
  
  Upon reviewing your complaint, we have located your account listed to us for third party collection by the City ** ******* initiated in 2007 and remains unresolved. Please make note this is a Government debt with no statute of limitations and can remain on your credit report until the matter has been resolved. The City ** ******* has provided your address * ********* *** ******** ** *** *** as well as a Date of Birth of 11/10/1953, in which we used to place this matter on your credit report.
  
  Please see below for further details on this offence with the City ** *******.
  
  City ** *******
  Offence Date:  March 27th, 2007
  Sentence Date:  May 30th, 2007.
  Enforcement Date:  August 30th, 2007.
  International Credit Experts File #: *********
  Total Owing: $60.75
  
  Upon receipt of your photocopied license, we will be able to verify if we have correctly/incorrectly placed this item on the credit bureau.
  
  Please be advised once the fines are paid in full, we will remove the file from the credit bureau.
  
  Please see the following payment options:
  
  To pay online, please visit   www.**************
  ICE Online Payments: Available online with any bank or trust company, simply add International Credit Experts Inc. as the payee company. Use your account ICE # listed above in the account number field.
  Bank Deposit: At any ******* ******** Bank Branch, simply deposit funds to our account, # *******, transit # *****. Funds must be payable to International Credit Experts Inc. Please fax the deposit receipt along with this letter to 905-264-1588.
  Email Transfer: using online banking please email payment to *******@*********.ca and ensure to use the following password with your security question “*********” all in lowercase. Please put your full name and file number in the payment memo section to help us identify your account. Please note to send an e-transfer your payment cannot exceed $3000.00.

  
  If you require any additional information, please do not hesitate to contact Mr. **** ****** at *******@*********.ca

• Initial Complaint

  10/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Someone from this company continues to call my personal cell phone looking for my dad who died SIX YEARS AGO!!! I took my mom to the bank with the proof of death the say we got it and we were told what ever debts he had would be gone. Yet somehow these people got my phone number, and are ********* me. They leave messages for my dad, HE IS DECEASED!! I don't need phone messages as a constant reminder, I'm well aware he is gone. The ONLY good thing about them calling my phone and not my moms is that she doesn't have to be ******** multiple times a day. I want them to leave me alone, my dad is dead stop calling me

  Business response

  10/08/2023

  Good Day ********,
  
  We apologize for any inconvenience this may have caused you.
  
  Please provide us with the contact information for the Executor of the Estate as well as your mother’s contact information to determine the assets and liabilities at the time of your fathers passing.
  
  Please contact Mr. **** ****** at *******@*********.ca
  
  Trusting this is Satisfactory.

  Customer response

  10/08/2023

  
  Complaint: ********
  
  I am rejecting this response because:

  August 10/2023 
  
  To whom it may concern; 
  
  As requested I am responding to the complaint I filed with the Better Business Bureau regarding ongoing ********** from International Credit Services Inc. 
  The contact person for my dad’s estate was his lawyer *** ******** of ****** ****** ***** ***. He assured us that since my dad had no assets, he would take care of it so that no recourse would come to my mother. R***** ******** can be reached at ************ or ***************@********.ca 
  It still does not explain how this company got my personal cell phone number since my dad and I NEVER had any of our finances tied together and my phone number has never been associated with his credit cards. Another fact that does not make sense is why after 6 years this company thinks it’s acceptable to try and contact the child of a deceased person, his debts would in no way be my responsibility to begin with.  
  Do not contact me or my family again. 
  
  Sincerely,
  
  ******** ****

  Business response

  14/08/2023

  Good Day ********,
  
  Please be advised we will remove phone number ***** ******** from this account and our dialer system. Please note your phone number was attached to your father’s credit report as an alternate contact number when applying for credit.
  
  We will contact Mr. *** ******** regarding the estate at which point we will make the decision to close the account or proceed further against the estate depending on the information we receive.
  
  Trusting this is Satisfactory,

• Initial Complaint

  10/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  There was an alert on my credit report stating that i received disparaging comments from ICE x 2 from April 2023 on behalf of City ** *******. At this date, I have not received any correspondence and/or communication from ICE so have no idea where this came from. Certainly for $170 i would have simply just paid any due charges?? I have worked very hard to improve my credit rating since my divorce and this is very upsetting.

  Business response

  10/08/2023

  Good Day *********,
  
  Upon reviewing your complaint, we have located two accounts listed to us for third party collections by the City ** ******* initiated in 2010 and both remain unresolved. Please make note this is a Government debt with no statute of limitations and can remain on your credit report until the matter has been resolved. The City ** ******* has provided your address ** ******** *** ** ******** ** ******, as well as a Date of Birth of January 13th, 1963, in which we used to place this matter on your credit report.
  
  Please see below for further details on this offence with the City ** *******.
  
  City ** *******
  Offence Date:  March 18th, 2010.
  Offence Description: FL, NOT CHNGE OF ADDRESS/NAME
  Sentence Date:  December 6th, 2010
  Enforcement Date:  January 20th, 2011
  International Credit Experts File #: *******
  Total Owing: $170.00
  
  City ** *******
  Offence Date:  March 18th, 2010.
  Offence Description: PASS STREETCAR IMPROPERLY
  Sentence Date:  December 6th, 2010
  Enforcement Date:  January 20th, 2011
  International Credit Experts File #: *******
  Total Owing: $170.00
  
  Upon receipt of your photocopied license, we will be able to verify if we have correctly/incorrectly placed this item on the credit bureau.
  
  Please see the following ******* options:
  
  To pay online, please visit   www.**************
  ICE Online *******s: Available online with any bank or trust company, simply add International Credit Experts Inc. as the payee company. Use your account ICE # listed above in the account number field.
  Bank Deposit: At any ******* ******** Bank Branch, simply deposit funds to our account, # *******, transit # *****. Funds must be payable to International Credit Experts Inc. Please fax the deposit receipt along with this letter to ************.
  Email Transfer: using online banking please email ******* to *******@*********.ca and ensure to use the following password with your security question “*********” all in lowercase. Please put your full name and file number in the ******* memo section to help us identify your account. Please note to send an e-transfer your ******* cannot exceed $3000.00.

  If you require any additional information, please do not hesitate to contact Mr. Paul Fowler at *******@*********.ca

  Customer response

  15/08/2023

  
  Complaint: ********
  
  I am rejecting this response because:  

  i never received notice or collection request from this company ever - and they appear to have my correct address - this is from 13 yrs ago!

  I am willing to pay anyone i owe $$$ to today - they have not provided any proof of charges - i find it strange that both amounts are the same.

  they have not agreed to adjust the credit report.
  
  Sincerely,
  
  ********* ********

  Business response

  16/08/2023

  Hello *********,
  
  I can see after pulling your credit report we updated your address as The City ** ******* had a old address of ** ************* ******* *** *** *** which is where all documentation was being sent to. I have attached a copy of both letters for the two accounts you have in our office.  Once again, I understand this matter was from 13 years ago, but this is a government debt that was never taken care of and could be in your credit report until the matter is paid off.  If you do choose to pay these two accounts off in full International Credit Experts will remove these two items from your credit report within 30 days of *******.
  
  Trusting this is Satisfactory,

  Customer response

  21/08/2023

  
  Complaint: ********
  
  I am sending this response back because i would like to request information on where to pay?  ICE or City?

  I appreciate your help with this?  
  
  Sincerely,
  
  ********* ********

  Business response

  23/08/2023

  Hi *********,
  
  Please see the following E-transfer ******* instructions, use account number ********* the amount owing is $340.00.
  
  Email Transfer: using online banking please email ******* to *******@*********.ca and ensure to use the following password with your security question “*********” all in lower case. Please put your full name and file number in the ******* memo section to help us identify your account.
  
  E-mail Mr. **** ****** at *******@*********.ca once ******* has been made.
  
  Trusting this is satisfactory.

• Initial Complaint

  10/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  There is suddenly a false report on my credit bureau account with ***** *****. I worked hard for my ‘very good’ credit and someone put a false debt owing on my personal credit report. **** ** ********. I contacted them to bring this to their attention and request it be removed immediately and my lawyer has been notified. I owe no money to anyone and this will hurt my mortgage application. They must investigate as to who has done this and take immediate appropriate action including removing this fake collection from the credit bureau under my name. Or my lawyer will be contacting them. What kind of unprofessional business do they operate. Someone at their firm has done this perhaps unbeknownst to them and this is unacceptable to say the least

  Business response

  10/08/2023

  Good Afternoon, ******.
  
  Upon reviewing your complaint, we have located your account listed to us for third party collection by the City ** ******* initiated in 2006 and remains unresolved. Please make note this is a Government debt with no statute of limitations and can remain on your credit report until the matter has been resolved. The City ** ******* has provided your address, **** ****** ** ** *********** **  ******, as well as a Date of Birth of April 27th 1964 in which we used to place this matter on your credit report.
  
  Please see below for further details on this offence with the City ** *******.
  
  City ** *******
  Offence Date:  Jan. 7, 2006
  Offence Description: PROCEED CONTRARY SIGN INTERSECTION
  Sentence Date:  March 7, 2006
  Enforcement Date:  April 21, 2006
  International Credit Experts File #: *******
  Total Owing: $158.00
  
  Upon receipt of your photocopied license, we will be able to verify if we have correctly/incorrectly placed this item on the credit bureau.
  
  Please see the following payment options:
  
  To pay online, please visit   www.**************
  ICE Online Payments: Available online with any bank or trust company, simply add International Credit Experts Inc. as the payee company. Use your account ICE # listed above in the account number field.
  Bank Deposit: At any ******* ******** Bank Branch, simply deposit funds to our account, # *******, transit # *****. Funds must be payable to International Credit Experts Inc. Please fax the deposit receipt along with this letter to ************.
  Email Transfer: using online banking please email payment to *******@*********.ca and ensure to use the following password with your security question “icecredit” all in lowercase. Please put your full name and file number in the payment memo section to help us identify your account. Please note to send an e-transfer your payment cannot exceed $3000.00.

  If you require any additional information, please do not hesitate to contact Mr. **** ****** at *******@*********.ca

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩