Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:06/30/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a **llection letter From IP Systems LLC for a creditor *********************** demanding payment stating my ac**unt has not been paid. I have never held credit with the claimed ** and monitor my credit frequently. I have NO late payments! This appears to be a scam as there are not any ac**unts from this creditor on any of my credit reports. The invoice number is ******, loan number ****************. Claimed $1,048.65, settlement offer $419.46 by July 12, 24. Mail address is: IP Systems, LLC ************************************. Different than the BBB address. This business is not BBB accredited either. The demand letter states payments be labeled to ************************* LLC This is a scam!

  Business Response

  Date: 07/01/2024

  This is in response to Mr. *************************** account.  ********************************** feels that this account is incorrect we ask him to put in writing as to what part of the debt he feels is in dispute. 

  Customer Answer

  Date: 07/01/2024

   
  Complaint: 21924302
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

  attached cc of letter sent to company with concerns of scam attempts.  The company discussed sensitive information with my spouse without my consent and was unable to provide  debt validation details.  Reasoning for responding is also to inform the company of written response as contact information can not be verified online anywhere matching the demand letter, I am trying to protect myself and others from scams and harassment.  This response will also serve as a written response to the company as they verbally verified acknowledgment of BBB complaint to my spouse. 
  

  Business Response

  Date: 07/01/2024

  We are in receipt of your cease request and we will not contact you by telephone. 

• Initial Complaint

  Date:06/10/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I P systems LLC , seems to claim at least once a week that I owe credit card companies, that I have never had or applied for.I have even talked to credit companies and they have no clue the information I am telling them.LLC sends documents that you can't open, no debt validation letter just you owe the money or they threaten lien on your property

  Business Response

  Date: 06/11/2024

  This in regards to ******************************* response. The document we sent *** have been sent in a different format that *** have caused the issue to open the information we provided. We will mail all of the information to *************************** and will give her ample time to review and get in touch with our office. 

  Customer Answer

  Date: 06/11/2024

  Please note that I have spent over ****** on taking word of mouth and paid til I have nothing else to give.

   

  What is ample time? Getting a phone call on Tuesday today and saying I have until Thursday to pay over ***** or take legal action, on something that I don't have nor have had.

  This is an every week thing now and I am getting not only financially drained but mentally as well .

  Why is it that when you look up the name and number you have nothing but scam reported?

   

  Customer Answer

  Date: 06/12/2024

   
  Complaint: 21829458
  
  I am rejecting this response because:

  Please note that I have spent over ****** on taking word of mouth and paid til I have nothing else to give.

   

  What is ample time? Getting a phone call on Tuesday today and saying I have until Thursday to pay over ***** or take legal action, on something that I don't have nor have had.

  This is an every week thing now and I am getting not only financially drained but mentally as well .

  Why is it that when you look up the name and number you have nothing but scam reported?

   

  
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 06/13/2024

  This in regards to ******************************* response. We spoke with Ms. ************************;on 06/12/2024 and advised her to contact our office to see any questions or concerns she may have. We have not ignored ******************************* request asking for additional information and we have mailed it to her and will not arrive in one day. We also advised *************************** that to give it one week so by next week either 06/17/24 or 06/18/24 she will have received her information by then. We attempted to email to *************************** but she is unable to receive our documents. We do not have issues sending documents via email to other customers. 

• Initial Complaint

  Date:05/18/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  These people are just scammers I have no debt with any chase bank and they are claiming I have over ******. Dollars of debt with chase bank. If these people are calling you do not let them harass you and do not give them private information. They are not a real debt company they are in a house in pompano beach fl. Looking up old account information probably from a data leak. If they send you mail with vague information about a debt dont even contact them.

  Business Response

  Date: 05/20/2024

  *********************************** son ***** called in and became upset as we could not give information to a third-party without the consumers consent. I *********************************** is disputing his account we ask that put in ******* why he is disputing his account. 

• Initial Complaint

  Date:05/15/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a letter from them requesting the settlement of a **** of America charge. They claim that I made payments up until 2020. This is false. I have had one credit card since 2011 and it is not BofA. They would not tell me the source of these so-called payments. They would not give me any information about charges on this so-called account. They would not let me speak to anyone higher up. I have had the same bank account since 2011. There is no record of any transactions with BofA. I feel sorry for the people who work at this sham company. It must be miserable spouting lies all day.

  Business Response

  Date: 05/15/2024

  This is in response to Ms. **************************** Though all the information on this account in our office has been verified to her social security number, if she feels that this account is a mistake, we ask **************** to put in writing why she is disputing this account.  In the meantime we will put her account on hold until we receive her notice of dispute. 

  Customer Answer

  Date: 05/15/2024

  They have not verified much. This is ********************************************* where they said I lived at one point.

  I have never lived in a Smart and Final. 

  If they will give me an email, I will send them the letter they request. 

  Customer Answer

  Date: 05/15/2024

  They have not verified much. This is ********************************************* where they said I lived at one point.

  I have never lived in a Smart and Final. 

  If they will give me an email, I will send them the letter they request. 

  Customer Answer

  Date: 05/15/2024

   
  Complaint: 21715121
  
  I am rejecting this response because I still have not received any proof of payments made before 2020 which is when they claim I stopped paying. I believe that information would go a long way to proving this is not my debt. 

  I am also rejecting this response as an address they insist I lived at is a Smart and Final and has been for many, many years. I am requesting an email address to which I can send the letter they requested. 
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 05/15/2024

  You can email us at ******************* As to the information about the payment information from another agency, they do not send your bank account, debit card, or credit card information when your account is either sold or transferred out to another agency. 

  Customer Answer

  Date: 05/15/2024

   
  Complaint: 21715121
  
  I am rejecting this response because I have emailed them with the following:
  To Whom It May ********************* style="outline: none !important;">
  I dispute this charge you claim is from **** of America. I do not have an account or card with **** of *************************** style="outline: none !important;">
  I have never made payments on this account as I do not have a credit card or an account with **** of America. Yet you claim that I made payments until 2020. I suggest you go after whoever was making those payments. 
  
  
  Further you claim that I lived at ********************************************************* ****************** is a Smart and Final and has been for many years.
  
  
  My credit report is clean as a whistle and there is absolutely nothing on it from **** of ********************* style="outline: none !important;">
  It appears from your communication that you cannot provide debt validation.  I ask that you cease harassing me. 
  
  
  ***************************
  
  
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:04/01/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a letter from IP Systems LLC claiming I owe a balance with Chase *************** I explained to IP Systems LLC representative named ************************* that my credit information with ********** shows zero accounts in collection. **** told me that IP Systems LLC had the balance since 2017. I informed **** that I requested previous bank statement copies to go over my accounts I've paid off. **** told me I had until Monday April 1st to make the payment, or it gets worse. I asked **** to please be reasonable and allow the statements to arrive by ******************** are not available online because I have closed my checking account months ago (customers request). **** refused to provide his operator number. I asked for a manager to speak with and/or their operator number. **** refused. I contacted Sunbiz.org because IP Systems LLC is registered in the ****************. IP Systems LLC registered their company in 2020. How could IP Systems LLC have information from 2017 when they weren't even doing business in ******* until 2020? This caused alarm. I spoke with ******* ********** of *********** and ******** Services (1-800-HELP-FLA), as well as the Federal Trade Commision *************) to alert them. I called IP Systems LLC back. I asked **** how long he has been employed with that company he told me "don't worry about it". As I was re-confirming the date/year of the questionable debt, **** raised his voice and started yelling at me in an abusive unprofessional way. I requested to **** that he not yell. I also asked **** which family of card products does the debt belong to, transaction history, or an agreement. **** could not, and did not provide those details. I pulled a free annual credit report from all three reporting agencies and it also shows all of my accounts have been paid with zero balances and nothing in collections. I am filing a complaint against IP Systems LLC. I do not owe or claim any balance.

  Business Response

  Date: 04/01/2024

  This is in response to ************** ******* account complaint:

  We gave all the information to ************** *******, but he was not satisfied with all the information provided to him. Our Representative went beyond helping ****************** on the balance for his Chase account of $6,646.79 and lowered his settlement from $2,658.71 to $1,500.00, but ****************** indicated that he has no extra funds to resolve his account. My. ******* told our office that after the passing of his mother who left him some funds took care of most of his accounts outstanding about 2 years ago. If My ******* has a paid in full letter regarding this same matter, we will close out his account and will cease communication on this matter. Asking our employees of there length of employment is not required of our employees to disclose to our customers. Our representative was very patient throughout the conversation and very respectful, but when ****************** repeatedly asked the same questions multipal times and did not like the answers is when ****************** ended his call. ****************** is requesting a billing statement which is not available as his account has been closed out for over 4 years. Though ****************** wants understanding of how this Chase account is from 2017 but we have been in service since 2020, ****************** account was closed out from prior years and we were in receipt of the account afterwards. 

  Our decision is to close out this matter as ************** ******* says he will provide us a letter documents indicating that he has paid off his "Chase Account". 

  Customer Answer

  Date: 04/01/2024

   
  Complaint: 21512101
  
  I am rejecting this response because:

  Ive never opened a Chase Master Card account. Therefore there is no paid in full letter which exists.  ************************* did not provide specific information or an operator number.  I encourage that IP Systems LLC listen to the phone call as I presume it is recorded.  What right does **** have to yell at anyone?  Especially one who is trying to get a better understanding?  I do not have anything on my credit report showing any accounts in collection.  I spoke with the collections department with ***** at my local branch and the collections department with ********** over the telephone.  ********** Manhattan also informed that IP Systems LLC is not a third party they use for collections purposes.  This is a scam.  Please listen to the phone call.  His behavior was uncalled for.  This is not a debt I owe. 
  
  Sincerely,
  
  G *******

  Business Response

  Date: 04/03/2024

  It seems that ************** Shields  is getting into an argumentative state and which we will avoid. If ************** ******* feels that this account is a mistake, he can put in writing and state that he disputes this debt.  When ************** ******* indicated that he was getting his bank statements, there was some confusion as to what ************** ******* was going to provide us from his bank statements. We are giving ************** ******* ample time to look into this matter. As going further  ************** ******* is looking for ways to discredit any portion of this matter, we ask ************** ******* to communicate all his requests to our office in writing. 

  Customer Answer

  Date: 04/05/2024

   
  Complaint: 21512101
  
  I am rejecting this response because:

       Per IP Systems LLCs instructions I have sent correspondence to IP Systems LLC on April 1, 2024 via return receipt through the ************* ************** disputing this debt. Also included are highlights from the ************************ regarding debt collection practices.
  

        The deceptive tactics IP Systems LLC uses Will not work on everyone.  I dont think there is an employee at IP Systems LLC named *************************.  I Believe I was given a false name, because ************************* did not provide his operator number when asked so I could reference the call.  It was ************************* who stated on March 28, 2024 this alleged debt was with IP Systems LLC since 2017 yet IP Systems LLC registered to do business in the **************** as of 2020 per a Sunbiz phone representative and the Sunbiz.org website.  There is no confusion with that fact.

       How can IP Systems LLC have an alleged debt in 2017 when they werent even a registered company until 2020?  
  

       Please have IP Systems LLC review the call on March 28, 2024 and April 1, 2024. There is confusion because each time I spoke with **** and/or ***, I was cut off.  There is confusion because I was not given any clear or detailed information surrounding this alleged debt.  
  

       I have contacted the ************************, ************************************* and I am also in touch with Chase Executive Offices.  Per conversation on April 1, 2024 with *** at IP Systems LLC, this claim/debt (as stated by ***) has been closed out.  This was an account sold to Vision ****** in 2003 per ********** Executive ***** (ext. 105-002-3663).  A letter from ********** is in the works.  ***** also used the term scam in her dialogue with me about IP Systems LLC and this possibly being one.  ********** keeps a record of who debt is sold to.  IP Systems LLC is not one of them.  ************************* told an untruth. 
  

       Hopefully IP Systems LLCs phone calls are recorded.  I was not given a chance to speak.  When I inquired to get clarity, I was being accused of being argumentative.  Its as if IP Systems LLC is not forthcoming with information.  Why would my questions invoke anger and hostile behavior?  

       I asked *** if he knows ************************* (please listen to **** nervous reply).  I explained to *** there is no zero balance letter from Chase ************** because this balance is not mine.  This loan number is not on Chases website, nor is the alleged loan number on any of my credit reports.

     IP Systems LLC is not registered in the ************************************* (consumerfinance.gov) customer complaints system.  ********** is.  This is a scam from IP Systems LLC.  This debt may have been resolved already many years ago as stated to ************************* on March 28, 2024 as it is not on my credit report.

  
  Sincerely,
  
  G *******

• Initial Complaint

  Date:03/02/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a phone call from this business who's representative was extremely unprofessional on the phone, they were harassing me for a bill that I could not have taken out due to the fact that I've never lived in ************** and never took out anything with ********************

  Business Response

  Date: 01/31/2024

  IP Systems, LLC.
  P.O. Box 667830
  *************, **. 33066
  **************

  
  March 23, 2023
  Better Business Bureau
  4411 **********.
  ***************, ** 33407

  
  Ref: 19513908
  RE: ***********************
  28 ***************
  ************, **. 11704

  
  This is in response to *********************** has a issue with owing for a ******************* account in our
  and is disputing that he owes this amount. We have closed out the account for his wife Ms. ********************** she is the main person on this account owing for account *******************. We will cease
  communication as well.

  
  recvd 2nd notice did not recieve response sent out same response w/ ref # 3/23/23
  
  Customer Services: **************