Credit Systems International, Inc.

2019-12-01

TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-11-27

Temple, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-11-18

Buffalo, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-10-29

Alton, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-26

TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-10-18

Littleville, AL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-10-14

Lewisville, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: XX/XX/XXXX I checked my credit report score to find that I had a medical bill from a collections company, Credit Systems International, ( XXXX XXXX, Texas ) that had placed a debt owed of {$150.00} on my credit report XX/XX/XXXX I contacted Credit Systems International and spoke with XXXX XXXX who reassured me I owed the debt, yet I explained repeatedly that I had never received an invoice by mail or email. I asked him for an itemized summary, which he stated he was unable to provide, but kept encouraging me to pay the invoice to remove it from my credit report. He also encouraged me NOT to call XXXX directly for the itemization. XXXX XXXX I contacted XXXX and spoke to XXXX, who stated the invoice was for date of service XX/XX/XXXX and that invoices had been sent to an address in XXXX, which I responded stated I had not lived at that address in several years. After he reviewed the account notes further he determined the doctor 's office had initially sent the incorrect address, but then sent my current address, but XXXX never sent a new bill to the correct address. He apologized for the mix up stating he was pulling my account from Credit Systems Int'l and would have the collections agency " Delete '' the debt owed on my credit report. When I asked how long this would take, he replied about 30 days. XXXX sent me an itemized medical summary which I paid immediately online and have a {$0.00} balance. However, it has been a challenge since as of today the collection still shows on my credit. Each time I contact XXXX, they state they can only send an email to the Credit Systems Int'l and each time I contact Credit Systems they state the debt should have been deleted and will send another notice to the credit reporting entities which include XXXX and XXXX. I have an active credit monitoring account and the balance owed and the debt still shows on my credit report as XX/XX/XXXX XXXX XXXX. CDT. The last person I spoke to twice at Credit Systems was a supervisor, XXXX XXXX, who keeps reassuring me it will be taken care of - but my trust and confidence in this process is LOST. This error on the businesses part, not mine, has impacted my long standing very good credit score and no one seems to care. PLEASE HELP!?
Company Response: Closed with explanation

Timely Response

2019-10-09

Bedford, TX

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I was never notified of the debt owed ( {$33.00} ) until it hit my credit report and still have never been contacted by them. This is not okay. Especially not when it involves someone elses credit.
Company Response: Closed with explanation

Timely Response

2019-10-08

Benbrook, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-09-28

Bedford, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: The company Credit Systems at XXXX XXXX XXXX XXXX in XXXX, Texas reported a medical debt to my credit and caused a drop. I have never been notified of this debt, an amount owed in this amount, or contacted by this company. Looking up this company online they have multiple cases of this exact scenario.
Company Response: Closed with explanation

Timely Response

2019-09-27

Papalote, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: This company called one day out of the blue, asking about an old utility bill for the city of XXXX XXXX. I had not lived in XXXX XXXX for 18 months and had no knowledge of this debt. I told the women that account was closed in good standing years ago with a deposit refunded and everything. The lady and I kept going back and forth and I kept saying it couldn't be my debt, could you send me paperwork so I could review the dates because havent lived there! She asked if I ever lived at the address in dispute. I answered yes. She immediately hung up and it was placed on my credit report. I never saw proof of debt or even a bill. This company broke the rules by not providing any paperwork with said debt and immediately attached it to my credit report even after I said it couldn't be my debt because I havent lived there since 2017.
Company Response: Closed with explanation

Timely Response

2019-09-26

Plano, TX

Written notification about debt

Debt collection: Medical debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2019-09-26

Littleville, AL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I had an outstanding balance with XXXX XXXX XXXX XXXX XXXX XXXX of {$210.00} when I moved from XXXX to XXXX, XXXX. I forgot about the bill but never knew it went to collections. It appeared on my XXXX report and has caused detrimental damage to my credit score that has caused me hardship. I would like to pay the full amount but feel that the collection agency which is credit systems international based in XXXX XXXX, XXXX should remove the derogatory information from my credit reports. I never got any Communication in the mail from them.
Company Response: Closed with explanation

Timely Response

2019-09-20

Greggton, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-09-18

Bellevue, TX

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Complaint: The following collection agency has repeatedly contacted me about a paid debt of {$72.00} for XXXX XXXX with XXXX XXXX XXXX XXXX. My confirmation number for the payment to the creditor is XXXX. In addition, the collection agency has reported me to XXXX Credit Reporting service ( and maybe others ) as having a collection account. I have disputed the reported item with XXXX, but the collection agency keeps responding to my disputes that the bill is outstanding. This is inaccurate and unfair information and the collection agency refuses to let it go.
Company Response: Closed with explanation

Timely Response

2019-09-16

Cadwell, GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: This is not nice someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID I went to court. Release I went to jail for two weeks because someone was using my credit I even have court documents
Company Response: Closed with explanation

Timely Response

2019-09-15

Bedford, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: I have disputed these accounts numerous times through XXXX and XXXX as the negativity that has impacted my score has been false from the start. I have talked to each collection agency listed and have recorded conversations of them stating apologies for the errors and that they will be removed however ; they have only followed through with XXXX and not XXXX. I have no negative items on my XXXX but they have done nothing to XXXX besides removal of a few accounts but, they have added accounts in their place, ones where insurance, XXXX, XXXX and my Supplemental insurance company has already paid these claims. I need help as I have disputed these numerous times. Below are the companies that are not in following through with what they have agreed to do. NEGATIVE INFORMATION > COLLECTION. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-09-05

Coppell, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-08-29

Arlington, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-28

Lewisville, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2019, I paid an old medical collection account with Credit Systems International via phone through a company representative, XXXX XXXX in the amount of {$130.00}. Numerous times it was announced the call was being recorded. Prior to making the payment, I specifically requested an email confirmation of the payment and confirmation of the deletion request of the collections reported to both XXXX and XXXX Credit Bureaus. I was assured my XXXX XXXX this would be sent to me, but not until the payment was made. My call was then transferred to a 2nd " bookkeeper representative '' who took the payment. When I provided her with my email in order to receive the confirmation, I was placed on hold and transferred to a 3rd representative who rudely informed me it was not a company policy to communicate with consumers electronically/via fax. I requested management personnel and was connected with Supervisor, XXXX XXXX. I explained the situation. Supervisor XXXX XXXX stated it is not company policy and no confirmation would be provided. I was told to " show up in person '' if I wanted confirmation These are blatant abusive/dishonest business practices being used with no consequences. There are many complaints on the XXXX website of this same nature with the company 's same canned reply. They are not following up to clear the collections appropriately on consumer reports, the original reason I requested confirmation. This has to somehow be in violation of Fair Debt Collection Practices.
Company Response: Closed with explanation

Timely Response

2019-08-20

Fort Worth, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: I talk to a unknown representative around XX/XX/2019. She refused to confirm name and why she was reported negative accounts on my credit bureau report when her company is not bonding to collect debt in the state of Texas. The unknown person hung up when I advised her that she was illegally reporting a debt on my credit bureau report. This company in questioned named Credit System has 3 different accounts on my credit and they're not legally bonded to collect debt in Texas.
Company Response: Closed with explanation

Timely Response

2019-08-15

Lewisville, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-14

Bedford, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: This company has never sent me a bill, probably because I have never done business with this company. This is not my debt. I have insurance that would have paid this, or I would have been told I have a bill.
Company Response: Closed with explanation

Timely Response

2019-07-20

Sebring, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-13

Lewisville, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response