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 3
2019-02-20
TX
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: This is my second complaint about this company.
I have noticed that Credit Systems International is currently reporting that i own a debt that has not yet been verified/validated.
As before i sent a written noticed to the company listed above on XX/XX/2019.
The letter was signed and received on XX/XX/2019.
I have yet to receive any verifiable documentation from the Credit Systems International.
I also disputed this with XXXX and XXXX.
the item was deleted from my XXXX credit report on XX/XX/19 because the debt could not be verified/validated.
Company Response: Closed with explanation
2019-02-20
Carrollton, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-02-12
Houston, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-02-12
TX
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I happened to notice a collection on my credit report by CREDIT SYSTEMS.
I then wrote the company a validation letter and sent it on XX/XX/2019 by certified mail with return receipt.
It was recieved on XX/XX/2019.
I have not yet received a response from this company verifying this collection of debt.
Company Response: Closed with explanation
2019-02-06
Benbrook, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-01-30
Laredo, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-01-30
Carrollton, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-01-29
Dallas, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-01-28
Katy, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-01-28
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Company Response: Closed with explanation
2019-01-26
Fort Pierce, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-01-25
Colleyville, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-01-24
TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: So this company called Credit Systems put a {$39.00} dollar debt on my credit report saying I owe this debt. Kind of funny how this debt originated because never have I been notified that this was an active debt. I have never received a bill regarding this situation from the so called original creditor, and never was I notified by this Credit Systems Debt Collector that I owe this debt.
This so called Debt Collector has sought and set-out to destroy my credit scores by throwing this debt on my XXXX Credit Report.
I feel this is something that should be brought up to legistation and signed into law, that should prohibit debt collection companies to notify the consumer 30 days prior to reporting the debt to the credit bureaus. It should be illegal to do such a thing and this is something that I will even notify my State Representative to persue this
Company Response: Closed with explanation
2019-01-18
Euless, TX
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-01-16
San Antonio, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Credit Systems International Inc and I requested a validation on the same date. On XX/XX/XXXX as no response had been received and the account continues to reflect on my credit report and does not reflect that the account is being disputed.Based on their failure to validate this account adequately and despite my dispute, this account is still reflected on my credit profile and continues to negatively affect me.
Company Response: Closed with explanation
2019-01-13
Halifax, VA
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2019-01-08
Liverpool, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: Credit Systems, a 3rd party collection agency with whom I have no contract with, is reporting erroneously on my credit report an unknown collection that i have no idea what it was for.
Company Response: Closed with explanation
2019-01-04
TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: Account was paid in XX/XX/XXXX. Credit Systems International opened the account in XX/XX/XXXX. I paid this debt in XX/XX/XXXX. I applied for a credit card and I was denied because Credit Systems International began reporting the debt for the first time in XX/XX/XXXX. One year and 10 months after payment was made on the referenced account. Initial account was sent to Credit Systems International in error due to billing problem from the hospital back in XX/XX/XXXX. I was never aware I had an outstanding payment. The moment I was informed, I paid the bill. I called to inquire about negative reported item. I was told I owed an additional {$190.00} to stop the negative reporting. This is fraudulent and I was told in XX/XX/XXXX I owed {$170.00} which was paid in full.
Company Response: Closed with explanation
2018-12-26
TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: There are 5 total entries by Credit Systems ( International ) on my credit report : # 1 - XX/XX/XXXX = {$520.00} Date of 1st Delinquency of XX/XX/XXXX # 2 - XX/XX/XXXX = {$120.00} Date of 1st Delinquency of XX/XX/XXXX # 3 - XX/XX/XXXX = {$40.00} Date of 1st Delinquency of XX/XX/XXXX # 4 - XX/XX/XXXX = {$120.00} Date of 1st Delinquency of XX/XX/XXXX # 5 - XX/XX/XXXX = {$61.00} Date of 1st Delinquency of XX/XX/XXXX I have sent repeated disputes to XXXXXXXX ( which resulted in a breach in my credit! ) /XXXX and have discussed it with Credit systems on the phone as well.
I had 1 XXXX in XXXX of XXXX and before I could have this XXXX, I had to pay for all of this beforehand, in full or no XXXX! I distinctly remember standing there having to wait on the person at the desk as they decided how much it was going to be as well. Not only that, as you can see two are the same amount - hence it's been duplicated!
I have repeatedly asked that these be taken OFF my credit report with no success and need help seeing as they think they have the right over me.
Company Response: Closed with explanation
2018-12-15
TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: Credit Systems the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Company Response: Closed with explanation
2018-12-14
Cadwell, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Closed with explanation
2018-12-10
Bedford, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I went in to the company for an XXXX XXXX XXXX, and was not informed at the time of any charges owed. I received notice later to pay a balance of {$270.00}, which I paid through their online portal. I continued back for the few weeks, to see if there were to be additional charges. I received notification a couple of months later, indicating that I had a past-due bill. I logged into their online portal to see a late charge of {$110.00}. I called the company, and inquired about it, and why I didn't receive notice until it was late, to which they replied it was a mistake and removed the charge.
I received another notice another couple of months later indicating that my bill was late. The same charge was sitting at the next threshold of delinquency. I called the office again, and again they removed the charge. I continued to check back for the next several weeks, confirming that my account balance was {$0.00}. I received a third notification when the bill was another couple of months " late '', again I called and the office removed the charge. The amount was again XXXX out. I again continued to check back for the next few weeks, confirming the amount had been XXXX out.
I then received notice in the mail that the bill was delinquent and now in collections. I called the office, and spoke to the office manager who advised that the description on her end was for XXXX XXXX, whereas I had been seeing the charge described as a XXXX XXXX XXXX. I asked her why I hadn't seen it until it was late, she advised she did not know. She provided the number for the XXXX XXXX XXXX XXXX office, and when I called they advised I had a case to have this amount adjusted. They sent notice to the office and advised me to call back in a week. The office never responded to XXXX XXXX. Over the next couple months, I continued to check back with XXXX XXXX only to be told they had never received a response. This has started to impact my credit score, and the office continues to not respond. I attempted to call the office to speak to the office manager again, but am now unable to get through the phones to speak to her.
Company Response: Closed with explanation
2018-12-07
Mabank, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: It is amazing when you find out about a debt, a collection agent was to try and destroy your credit, and the integrity of the law. It has been reported to the credit bureaus by Collection Agency : Credit System International , Inc., XXXX XXXX XXXX, XXXX, TX XXXX of a debt owed of {$70.00} which I have no recollection of. In taking in test that was authorized by my doctor have been paid. This company called XXXX XXXX XXXX XXXX XXXX is an establishment I'm unfamiliar with. Never took any test at this location. When it comes federal laws, they are written to protect consumers from unlawful business practices from agencies such as. I was not given sufficient time during the dispute process to get as much information regarding a medical debt. I never received anything about services rendered from this establishment, and not anything from Credit System International , Inc. By law a consumer has up to 90 days at the time collection agency makes contact regarding an outstanding debt, before any reporting to the credit bureaus negatively. Federal Credit Reporting Act under The Federal Commission, section 623. CSI reported negatively to the credit bureaus while this matter was in dispute. The have violated my rights under the FDCPA and FCRA. I value my credit, and anything negatively reported should be removed. Please assist in this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Company Response: Closed with explanation
2018-11-30
Carrollton, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-11-21
Crabbs Prairie, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation