What is the most common complaint against Credit Systems International, Inc.?

The most common issue consumers report about Credit Systems International, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,806 complaints filed with the CFPB.

Are complaints against Credit Systems International, Inc. increasing or decreasing?

Complaints against Credit Systems International, Inc. are rising. The company received 711 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Credit Systems International, Inc.'s reputation grade?

Credit Systems International, Inc. has a reputation grade of D (score: 51.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Systems International, Inc. respond to consumer complaints?

Credit Systems International, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.

In how many states does Credit Systems International, Inc. operate?

Credit Systems International, Inc. has received CFPB complaints from consumers in 42 states, with the most complaints from Texas (1,075 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Credit Systems International, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

752
Written notification about debt

358
Took or threatened to take negative or legal action

311
False statements or representation

163
Cont'd attempts collect debt not owed

93
Disclosure verification of debt

62

Data updated September 2026

CFPB complaint disposition

CCDB record credit-systems-international-inc Credit Systems International, Inc.

Grade D · 1,806 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #94 · compose #3896

VOL 1,806
GRADE D
12MO 711
STATES 42
TIMELY 98%
DISPUTE 24%
ISSUE Attempts to collect debt n…
RANK #94
COMPOSE #3,896

Volume peers

Nearest volume peer: Halsted Financial Services, LLC. (1,805 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credit Systems International, Inc.'s 1,806 CFPB complaints sit next to Halsted Financial Services, LLC. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

59.5% of Credit Systems International, Inc.'s CFPB filings land in Texas

High volume does not equal a clean composite: Credit Systems International, Inc. is volume #94 but composite #3,896, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 59.5%; 1,075 of 1,806 filings · 42 states touched
Seasonal peak: 2019-11 10.7%; 8–15% band · 3 filings
Divergent corpus ranks: #94 volume; #3,896 composite; Cleanest-composite ladder is 3,802 places worse than volume

How does Credit Systems International, Inc. compare to its peers?

How does Credit Systems International, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Credit Systems Interna… National average

Complaints (last 12 mo)lower is better

711

661

268

Timely-response ratehigher is better

98%

97%

91%

Consumer-dispute ratelower is better

24%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-12 2020-12

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	752
Written notification about debt	358
Took or threatened to take negative or legal action	311
False statements or representation	163
Cont'd attempts collect debt not owed	93
Disclosure verification of debt	62
Communication tactics	46
Electronic communications	9
Threatened to contact someone or share information improperly	8
Improper contact or sharing of info	3

Where do complaints against Credit Systems International, Inc. come from?

Credit Systems International, Inc.'s own per-state count, not a national baseline.

Texas

1,075
Georgia

253
Alabama

143
Florida

54
New Jersey

25
California

22
Mississippi

20
Arizona

17

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Systems International, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 1,806.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.65625%.

4 peers

Know your rights before responding to Credit Systems International, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.