Credit Systems International, Inc.
Consumer Complaints
There are over 359 complaints on file for Credit Systems International, Inc.. Dated between 2019-12-01 and 2013-07-10.
Complaints Page 2
2019-07-12
Arlington, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-06-17
Sugar Land, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-06-17
Big Sandy, MT
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2019-06-04
Hurst, TX
Communication tactics
Debt collection: Medical debt
Frequent or repeated calls
Company Response: Closed with explanation
2019-06-01
TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: In XXXX of XXXX, my wife, XXXX XXXX XXXX and myself, XXXX XXXX XXXX, reviewed our credit reports and noticed we both had a medical collection for a medical bill of {$310.00} from Credit Systems International , Inc. account # XXXX / # XXXX. My insurance company or myself makes payments for all procedures. We have never received a bill from the original creditor or from Credit Systems International , Inc. regarding this bill. We have never been given the opportunity to dispute and request validation prior to this agency placing this alleged trade line on our credit reports.
On XX/XX/XXXX I, XXXX XXXX XXXX sent a certified letter ( Article number XXXX XXXX XXXX XXXX XXXX ) to the above company advising that their claim was disputed and validation was requested made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In this letter, I ask this company to provide me with the proper documentation ( validation ) that we owe this debt and gave them 30 days to respond to my request.
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt this company says I owe. This certified letter was received and signed by an employee with the above company on XX/XX/XXXX, yet, I never did receive any validation or correspondence from them.
On XX/XX/XXXX, I filed a complaint with the XXXX XXXX XXXX ( XXXX ) under complaint number XXXX. Based on this complaint, Credit Systems International , Inc. agreed to send validation and delete/remove this medical bill from our credit reports.
After recently checking our credit reports, this company continues to report the same invalidated information to the credit bureau 's ( XXXX, XXXX and, XXXX ). Due to this fact, this medical collection mark on our credit reports is in violation of the Fair Debt Collection Practices Act. No validation proof has been sent to us by this company to prove this medical bill belongs to us or was never paid by my insurance company or myself. I have even called the original creditor who advised they did not show this account in their system. Also the original creditor that was listed on our XXXX credit reports is different than what is now listed on our XXXX credit reports. Both state the bill occurred in XX/XX/XXXX.
I am requesting that all references to this medical collection bill ( account # XXXX / reference # XXXX / # XXXX ) be deleted and completely removed from our credit reports ( XXXX, XXXX and, XXXX ) and a copy of such deletions be sent to us via certified mail immediately.
Filing this complaint again it my last course of action before I take legal action against this company.
Company Response: Closed with explanation
2019-05-31
Dallas, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: The account on my credit related to this company. I have mailed letters to have it removed without any response. HI, There are is an account showing on my credit report for XXXX XXXX Bank. The account number end XXXX. They are reporting to three credit bureaus. All of the information reporting is inconsistent between the 3 bureaus and I don't know about these accounts. I am not even able to get the full account numbers. My birth date is XX/XX/ to help them accurately remove the accounts from my credit. The company is in violation of the credit reporting act. This is predatory and I feel that I am being targeted with this account.
Company Response: Closed with explanation
2019-05-14
Mabank, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: I received a notification today that a collection was added to my credit report in the amount of {$84.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Company Response: Closed with explanation
2019-05-14
Mabank, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: I received a notification today that a collection was added to my credit report in the amount of {$66.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Company Response: Closed with explanation
2019-05-13
Euless, TX
Communication tactics
Debt collection: Medical debt
Frequent or repeated calls
Company Response: Closed with explanation
2019-05-13
Dallas, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: XXXX XXXX : XXXX XXXX Account XXXX. : XXXX XXXX : {$480.00} I have disputed this entry for XXXX XXXX XXXX for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between XXXX XXXX XXXX and myself for repayment. To this day, I have not received a response. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Company Response: Closed with explanation
2019-05-02
Wailuku, HI
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Company Response: Closed with explanation
2019-05-02
Lewisville, TX
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: Does not give enough evidence of original debt, unable to verify consent to open account, did not show proof of Authorization or Agreement to purchase, pay for, merchandise or services. failure to investigate authenticity orginal debt, failed to provide information regarding orginal debtor information and creditor. Refusal to remove inaccuracies negative Mark 's on credit reports.
Company Response: Closed with explanation
2019-04-29
Fort Worth, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2019-04-18
Yukon, OK
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-04-09
Carrollton, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-04-06
Yukon, OK
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-04-04
Dallas, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2019-04-02
Carrollton, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-03-21
TX
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I noticed this alleged deb is listed on my credit report. I have sent out a request by mail to have verification of this debt and called today XX/XX/19 and was told that they do not send out any communication regarding a debt and don't attempt to collect by contacting you. She said they just list it on your credit report and proceeded to ask how I would pay. I asked for verification to be sent to me about this alleged debt and advised I have sent my request via mail and she said thy do not send that information out. She only said that because it is on my credit report it is " pretty legitimate '' and how would I like to pay it.
Company Response: Closed with explanation
2019-03-12
Arlington, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-03-08
Dallas, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I just received a notification alert via XXXX that a medical bill is in Collection status, and I now have a derogatory mark on my credit report. I have not received any type of invoice or email concerning the bill, as I believe I paid all medical bills in full.
Amount : {$120.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Company Response: Closed with explanation
2019-03-03
Keller, TX
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-03-03
Bedford, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX, a letter was sent via certified mail to Credit systems XXXX XXXX XXXX XXXX, TX XXXX. The letter had an estimated delivery date of XX/XX/XXXX. As of today, XX/XX/XXXX I havent received a response from Credit Systems.
The Hippa Letter was just asking the collection agency to validate the alleged debt. In the letter I personally requested, the name of the hospital and medical provider with a detailed breakdown of the fees I owe.
Please help to get a response from Credit systems, they are in violation of the FDCPA for withholding the information from the medical provider after my written request. Since Credit systems can not validate the debt I am requested it be deleted off my credit report.
Company Response: Closed with explanation
2019-02-26
Irving, TX
Communication tactics
Debt collection: Medical debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2019-02-22
La Porte, TX
Communication tactics
Debt collection: Other debt
Called before 8am or after 9pm
Company Response: Closed with explanation