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 4
2018-11-14
Dallas, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: While reviewing a copy my credit report, I discovered that Credit Systems International Inc has reported a collection on my credit report. I do not have any knowledge of an account with Credit Systems International Inc or any company they may be collecting for. Credit Systems International Inc has not contacted me by phone or mail, nor have I received a 30 day dispute letter. They are reporting a debt of {$30.00} and have failed to notify me of the debt or verify if it is accurate.
Company Response: Closed with explanation
2018-11-11
San Antonio, TX
Written notification about debt
Debt collection: Other debt
Notification didn't disclose it was an attempt to collect a debt
Complaint: My fiance and I moved from XXXX XXXX, Texas to XXXX, Texas in XXXX. We had closed out the utility service and gave them a forwarding address. When we called and closed the account we had paid a final payment, and was told that the account was closed and that what we paid was the final bill. Because we are talking about purchasing a house, I wanted to check my credit report. I realized that there was a bill in collections. I immediately filed a dispute with XXXX and XXXX. I had never received any further contact from XXXX XXXX XXXX after we had called to close the account. We were unaware that we even had an outstanding bill with them. Over a year later, they sold the bill to Credit Systems International. This debt has been in collections since XXXX. We have never received any notifications that we had a debt in collections. We have never received a debt validation letter notifying us that we had something in collections. XXXX immediately reversed the collections on my credit report, but XXXX is saying that they verified that the debt is mine. Three years later and I have never been contacted by this company via mail or left any type of voicemail letting me know that I had an outstanding balance due.
Company Response: Closed with explanation
2018-11-08
Kawaihae, HI
Written notification about debt
Debt collection: Medical debt
Notification didn't disclose it was an attempt to collect a debt
Complaint: Without any written or verbal notification, this medical facility ( XXXX XXXX XXXX in XXXX Hawaii ) who in fact got paid in full by my Insurance carrier for services rendered, turned both charges over to the collection agency " Credit Systems International '' as unpaid debt. Charges were for service date in XX/XX/XXXX for {$510.00} & XX/XX/XXXX for {$1300.00}. Even the collection company DID NOT notify us, until i applied for Residential Re-Fi in XX/XX/XXXX/XX/XX/XXXX, and was turned down due to Collection status on my record.
It was then I contacted XXXX XXXX XXXX who informed me that there was no Balance due and all payments had been received and the Balance on both charges was XXXX.
Not having us notified at all by both companies has created sever personal/ emotional & financial harm. I thought that by law notifications are required.
This is not fair and i need your help in taking appropriate action against both companies. Also, do I have a legal course of action available to me for harm done.
Sincerely looking for your help.
Company Response: Closed with explanation
2018-10-30
Val Verde, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-10-19
Golden Isles, FL
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2018-10-15
Fort Worth, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.
Company Response: Closed with explanation
2018-10-12
Fort Worth, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Company Response: Closed with explanation
2018-10-09
Mabank, TX
Communication tactics
Debt collection: Medical debt
Called before 8am or after 9pm
Complaint: I was notified from the credit reporting agency that a medical bill is owed. I have sent several disputing this debt, that I have always had insurance to provide to any hospitals & the bill is not mines. Also, this is a party that is trying to collect a debt on confidential information concerning my health. I do not know how this company receive my information and may have violated HIPPA LAW.
Company Response: Closed with explanation
2018-10-08
Dallas, TX
Communication tactics
Debt collection: Medical debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2018-09-27
Phoenix, AZ
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Company Response: Closed with explanation
2018-09-25
Mabank, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I became aware of this collect account upon reviewing my credit report I was never notified from the company about an owed balance. I did contact the creditor by certified mail to inquire how the debt was acquired and request proof that I was indeed the responsible party for the balance in question. In response to my letter I received a billing statement from Credit Systems International with a billing statement that included two charges ; {$8.00} transfer fee and also a {$6.00} transfer fee totaling the {$14.00}. Included in the the cover letter there is a doctor 's name that I have never been a patient of, I've had the same physician since I was a child. I hope that with this complaint I will be assisted with removing this false account from my credit report.
Company Response: Closed with explanation
2018-09-13
Desoto, TX
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-09-12
Cedar Hill, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: This is a debt happened 20 years ago.It 's a ( Zombie Debt, Credit Systems re-aging the debt saying it was opened in XX/XX/2012 ) it was opened 20 years. It been with multiple collections Agencies.
This is a ( Stature Barred debt as well ) It exceed the State Of Texas debt collections laws which is 4 years limitation.
Their violating the ( FCRA ) Laws.I contact the original creditor doesn't have a account on file.
Company Response: Closed with explanation
2018-08-24
TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: This Debt Collection Company called Credit Systems continues to hound me for {$39.00} dollar debt that I know for a fact is not mine. I did not receive any medical attention back in 2014 at all and they claim that I owe this bill. I feel this company is out to damage my reputation and my credit score and report.
I will not accept this debt as mine unless the debt company can validate that this is indeed my debt because in my defense this is not my debt
Company Response: Closed with explanation
2018-08-07
Mabank, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I called credit systems on XX/XX/XXXX and paid 2 credit items off my credit and they still show it as a collection account owed and will not remove it off of my credit after a phone conversation with them.confirmation number is XXXX for {$25.00} for XXXX XXXX XXXX and {$40.00} for XXXX XXXX.
Company Response: Closed with explanation
2018-07-31
Lawrenceville, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2018-07-23
Fort Worth, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: The following accounts have reappeared on my XXXX Credit Report : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX These accounts are being reported by Credit Systems Intl after being removed 14 months ago. They were satisfied, however Credit Systems continue to post and remove at their leisure.
Company Response: Closed with explanation
2018-07-18
Rowlett, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: CREDIT SYSTEMS INTL IN reporting a collection to XXXX and XXXX credit agency, I've no knowledge of this collection account and never received any communication from CREDIT SYSTEMS INTL IN
Company Response: Closed with explanation
2018-07-16
Euless, TX
Took or threatened to take negative or legal action
Debt collection: Medical debt
Threatened or suggested your credit would be damaged
Complaint: This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy.
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392. I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Company Response: Closed with explanation
2018-07-13
Lewisville, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-07-13
Garland, TX
Communication tactics
Debt collection: Medical debt
Frequent or repeated calls
Company Response: Closed with explanation
2018-07-11
TX
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: While checking my credit score this month I noticed for the first time on my credit report I had a negative item. When I looked it says it was a collection item from XX/XX/2012 that I never knew I even owed. I have perfect credit score with no negative items on my credit. I never once received any notice, call or communication stating I owed this debt.
Company Response: Closed with explanation
2018-07-09
Oxford, GA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: Credit Systems international Date : XX/XX/XXXX- {$310.00} XX/XX/XXXX- {$33.00} I have disputed this account with the company and the credit reports several times. The XX/XX/XXXX for {$310.00} has been removed several times and added with different dates and/or amounts. The XX/XX/XXXX was added and deleted several years ago, due to the creditor not being able to verify the account. I have sent the company a debt verification letter to verify the account, the company has not responded.
Company Response: Closed with explanation
2018-07-03
Heath, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-07-03
Mobile, AL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation