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

CFPB complaint data Grade B 39 complaints

Credit Systems of the Fox Valley, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade B.

Complaints by issue type

What consumers report about Credit Systems of the Fox Valley, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 70.5/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of B: Credit Systems of the Fox Valley, Inc. ranks ahead of 69% of the 5,283 collectors PlainCollector grades - 31% keep a cleaner CFPB record, on 39 all-time complaints and a 90% timely-response rate.

69th pct
reputation rank of 5,283 graded collectors
39
CFPB complaints, all-time
90%
answered inside the CFPB window
19
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Credit Systems of the Fox Valley, Inc.?

Credit Systems of the Fox Valley, Inc. has accumulated 39 total CFPB complaints across 7 states, with 19 filed in the most recent 12 months against 20 historical complaints before that window. The trailing-12-month volume represents 48.7% 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 mine". The company posts a 90% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 7 states, led by Wisconsin with 17 and Texas with 13. Normalized against the full CFPB collector database, the reputation score of 70.5/100 places Credit Systems of the Fox Valley, Inc. in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

39

low-volume (CCDB)

Last 12 months

19

48.7% of all-time complaints

Rising ↑

States active

7

regional footprint

Timely response rate

90%

good band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

70.5/100 composite

How does Credit Systems of the Fox Valley, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

71 69th percentile higher than 69% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). Below this entry. 70–80: 871 graded collectors (16%). This entry sits in this band. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Credit Systems of the Fox Valley, Inc. versus the debt-collection vertical average.

Timely response within SLA 90.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 12.5%

Share of US states + territories with at least one filed complaint against this collector.

How does Credit Systems of the Fox Valley, Inc. compare to its peers?

How does Credit Systems of the Fox Valley, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Credit Systems of the … National average
Complaints (last 12 mo)lower is better
19
12
268
Timely-response ratehigher is better
90%
61%
91%
Consumer-dispute ratelower is better
0%
10%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-10 2025-11

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 12
Took or threatened to take negative or legal action - 10
Written notification about debt - 5
Cont'd attempts collect debt not owed - 5
Improper contact or sharing of info - 4
False statements or representation - 2
Communication tactics - 1

Where do complaints against Credit Systems of the Fox Valley, Inc. come from?

Credit Systems of the Fox Valley, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Credit Systems of the Fox Valley, Inc.

Across 7 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Credit Systems of the Fox Valley, Inc. contacts you

A grade of B signals how Credit Systems of the Fox Valley, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Credit Systems of the Fox Valley, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Credit Systems of the Fox Valley, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Credit Systems of the Fox Valley, Inc.? ▼

The most common issue consumers report about Credit Systems of the Fox Valley, Inc. is "Attempts to collect debt not owed", specifically "Debt is not mine". This is based on 39 complaints filed with the CFPB.

Are complaints against Credit Systems of the Fox Valley, Inc. increasing or decreasing? ▼

Complaints against Credit Systems of the Fox Valley, Inc. are rising. The company received 19 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Credit Systems of the Fox Valley, Inc.'s reputation grade? ▼

Credit Systems of the Fox Valley, Inc. has a reputation grade of B (score: 70.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Systems of the Fox Valley, Inc. respond to consumer complaints? ▼

Credit Systems of the Fox Valley, Inc. has a 90% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Credit Systems of the Fox Valley, Inc. operate? ▼

Credit Systems of the Fox Valley, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from Wisconsin (17 complaints).

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

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.