Total CFPB complaints
1,664
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 1,664 complaints
Credit Systems International, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 42 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Systems International, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
686 complaints
- Written notification about debt
Written notification about debt
323 complaints
- Took or threatened to take negative or legal action 267
Took or threatened to take negative or legal action
267 complaints
- False statements or representation 143
False statements or representation
143 complaints
- Cont'd attempts collect debt not owed 73
Cont'd attempts collect debt not owed
73 complaints
- Disclosure verification of debt 39
Disclosure verification of debt
39 complaints
D
Grade D · 54.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Credit Systems International, Inc.?
Credit Systems International, Inc. has accumulated 1,664 total CFPB complaints across 42 states, with 724 filed in the most recent 12 months against 940 historical complaints before that window. The trailing-12-month volume represents 43.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 24% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 42 states, led by Texas with 1,009 and Georgia with 217, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.0/100 places Credit Systems International, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
724
43.5% of total history
Rising ↑
States active
42
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
24%
After company response
Reputation grade
D
54.0/100 composite
Response-quality profile
How Credit Systems International, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 47.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 75.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Systems International, Inc. compare to its peers?
Credit Systems Interna… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed686 (%)
Took or threatened to take negative or legal action267 (%)
Written notification about debt323 (%)
False statements or representation143 (%)
Disclosure verification of debt39 (%)
Cont'd attempts collect debt not owed73 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 399 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 267 |
| Attempts to collect debt not owed | Debt was result of identity theft | 221 |
| Written notification about debt | Didn't receive enough information to verify debt | 212 |
| False statements or representation | Attempted to collect wrong amount | 143 |
| Written notification about debt | Didn't receive notice of right to dispute | 111 |
| Attempts to collect debt not owed | Debt was paid | 66 |
| Disclosure verification of debt | Not given enough info to verify debt | 39 |
| Cont'd attempts collect debt not owed | Debt is not mine | 38 |
| Cont'd attempts collect debt not owed | Debt was paid | 35 |
Where do complaints against Credit Systems International, Inc. come from?
The states where consumers have filed the most CFPB complaints against Credit Systems International, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Systems International, Inc.
Across 42 states with at least one filing
- Texas
Texas
1,009 complaints
- Georgia 217
Georgia
217 complaints
- Alabama 128
Alabama
128 complaints
- Florida 48
Florida
48 complaints
- New Jersey 25
New Jersey
25 complaints
- California 21
California
21 complaints
- Arizona 17
Arizona
17 complaints
- Mississippi 15
Mississippi
15 complaints
Frequently Asked Questions
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 1,664 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 724 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: 54.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (1,009 complaints).
What can I do if Credit Systems International, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Credit Systems International, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |