Credit Systems International, Inc.

2015-10-15

Snyder, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

Mobile, AL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

Desoto, TX

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-03

San Antonio, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I have full coverage insurance with XXXX XXXX XXXX of Texas and they have agreements with hospitals and the doctors that the hospitals contract with. I do not have any deductible that I need to pay, but XXXX XXXX XXXX has turned over a bill in the amount of {$27.00} to a collection agency I guess in spite, due to their irritation that XXXX XXXX had adjusted their bill in the amount that they had contractually agreed to do work for with them. They feel that their last and only way to get back at some one is to hurt my credit by putting it into collections against me for such a measly amount with CREDIT SYSTEMS INTERNATIONAL instead of just abiding by their agreements.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-15

Missouri City, TX

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Lewisville, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Complaint: I have notified credit systems international, a debt collector of XXXX XXXX XXXX, as well as XXXX XXXX XXXX directly, regarding an account they opened for an individual ( s ) that fraudulently obtained and used my personal information that I do not know and have never known. I have filed a police report and sent the fraud packet they requested to them via mail and never heard back. I have disputed the debt repeatedly on my credit report and they continue to report negatively on my credit and call and harass me for the debt that I never authorized, and they did not validate properly. I am at my witts end with this company. I had perfect credit before this identity fraud and am now unable to purchase a home with my husband for a fair rate that I deserve because they refuse to do the right thing and remove the reporting from my credit. On top of that, I have been denied credit with many financial institutions due to the impact of this collection, which I should not be held responsible for. I believe the company should be made whole for this debt, but they should purse the individuals at the addresses they offered services to in another city, and not me. I will never do business with them in the future due to the way they have treated me throughout this process, an innocent XXXX party of this debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-14

TX

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Complaint: company has called my cell phone number several times looking for someone else ( XXXX XXXX ). They refuse to remove my number from their system. When I told them it was illegal in Texas to call a person 's cell phone without express consent, they just said it is not illegal to call a wrong number, and then hung up on me while refusing to provide her name, the company name, or an address.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-13

Briaroaks, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

Fort Worth, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was discharged in bankruptcy
Complaint: TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

Fort Worth, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was discharged in bankruptcy
Complaint: TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Bellaire, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: Credit Systems International is attempting to collect a debt of XXXX, when the documentation they sent to me shows a credit balance of XXXX. When I call them, they say that I must be misreading the statement, which I am not. Apparently they are looking for the file, but continue to assure me that I owe the money. The last person also stated that they will now do their " due diligence '', which, of course, should have been done BEFORE they attempted to collect anything in the first place.
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2015-07-23

Mabank, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-15

Sacramento, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Modesto, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-14

Fort Worth, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: XXXX ( XX/XX/XXXX ), I paid {$140.00} to the XXXX with my XXXX XXXX XXXX card. It showed as " XXXX TX '' on my XXXX XXXX XXXX statement. XXXX ( approximately ) A debt collection agency called Credit Systems International called me and told me that I owed them that {$140.00}. XXXX ( XX/XX/XXXX ), I sent proof of payment to Credit Systems International ( CSII ) that I had made the payment. XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I owed them for that debt. XXXX ( XX/XX/XXXX ), I called the " XXXX XXXX XXXX XXXX '' and got confirmation from them that my balance was XXXX and I had paid them everything. I spoke with 'XXXX. ' At XXXX she claimed that I did owe ; but then when I asked, " if my payment was not for that cost, what other instance of service was there? '' she proceeded to look further in a XXXX database and confirmed that I had indeed paid the full amount She told me that they would contact CSII to inform them of the error. She gave me a payment confirmation number of XXXX. ' Also, she gave me the Payment Reference Number of XXXX. XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. I personally informed them of my conversation with " XXXX XXXX XXXX XXXX. '' I asked CSII if they had pressed XXXX XXXX XXXX group to look in the second database, and CSII said they knew nothing of that. I told them that they needed to press further with " XXXX XXXX XXXX XXXX '' to get the right answer. XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. They claimed that the " XXXX XXXX XXXX XXXX '' claimed that I still owed them. XXXX ( XX/XX/XXXX ) I learned that CSII had reported me to the credit agencies.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-13

Kansas City, MO

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

Bedford, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-03

Mabank, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I went in to see XXXX XXXX XXXX, to have him to remove some XXXX that I had gotten XXXX. I continuously, indicated to him that, I knew it was some XXXX. He asked me if I wanted him to send it to the lab, for testing. I said no, because, I remember the day it happened, and that, I knew exactly, what was in my hand, and that there was no need to send the small piece of XXXX to the lab. He sent it any way. I do not feel as though, I owe this debt, because, he sent it against my wishes. It is not my fault, that he did not believe that it was XXXX XXXX XXXX, placed this negative information, on my credit report, with the XXXX major reporting agencies. Along with, negative information, about me going to XXXX the hospital. Which, I did not. These bills were totaling, {$140.00}, to XXXX XXXX, and a {$81.00}, bill to the hospital. All, I presume, was for the lab testing, in which, I did not instruct, XXXX XXXX, to submit!!! The and companies name and account numbers, for these illegal, transactions, are Credit Systems International XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX, account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, TX XXXX, ( XXXX ) XXXX, Account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX XXXX XXXXXXXX parties, needs to remove all negative information, from my credit reports ... and, cease, all harassing calls, and attempts, to collect a debt, that I do not owe.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Lewisville, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: Debt collector Credit Systems International , Inc. ( " CSI '' ) falsely reported to XXXX and XXXX that I have an unpaid medical bill. In fact, their client, Texas XXXX XXXX XXXX ( " XXXX '' ), was paid in full for the medical services and supplies that it provided to me, but XXXX fraudulently billed for the same supplies twice. I do not owe the amounts reflected in the XXXX-billing. However, instead of resolving the issue, XXXX hired CSI to collect on bogus charges. I have disputed these charges to all concerned, but CSI failed to respond to my letter and instead, placed negative information in my credit files at XXXX and XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

TX

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Complaint: This is not the original amount and I was never contacted about this. It was just put on my credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Dallas, TX

False statements or representation

Debt collection: Medical

Indicated committed crime not paying
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

South Florida, FL

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: Credit Systems International has entered a debt into the credit reports without first contacting me and giving me a chance to look over the debt and verify it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-16

Fort Worth, TX

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Complaint: Credit Systems International continues to call me multiple times a day from multiple numbers throughout the state of Texas. I have repeatedly asked for verification of said debt in writing, which they claim to have mailed multiple times. To date I have not received any communication other than multiple phone calls from this collector. They claim to be representing the City of XXXX, who was my former Electric provider over a year ago. I believe that I left my account in good standing and would like verification of the debt that CSI states that I owe. I have asked again via phone for this company to stop calling me. I was provided w/ their mailing address below and plan on sending a cease and desist letter via certified mail until they can validate this debt. I have also requested that they send me a letter via certified mail if they are in fact having issues getting a letter mailed to my address. Any help with this is greatly appreciated. The collector is more concerned with how I plan on " handling the debt '' instead of helping me verify that this is a legitimate collection. I will not be making a payment until the debt is verified in writing. Credit Systems XXXX XXXX, TX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-13

Midwest City, OK

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response