Debt collector · complaint record
Credit Systems International complaints
Filed under Credit Systems International, Inc.
Consumers have filed 2,527 complaints about Credit Systems International since 2013, 877 of them in the last 12 months (+31% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Average response record. How it works
- Complaints on record
- 2,527
- Last 12 months
- 877
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 30
- Rank
- #54 of 1,963
Since July 2013
+31% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 10, 2026
Most complained-about debt collectors
Credit Systems International complaints by month
The busiest month was January 2026 (122 complaints). Complaints in the last 12 months are up 31% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Credit Systems International answered last 12 months
- Closed with explanation877100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend7/15+31% vs last year
What Credit Systems International complaints are about
Top Credit Systems International problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 538
- Debt was result of identity theft 261
- Debt was paid 77
- Debt was already discharged in bankruptcy and is no longer owed 8
Where Credit Systems International complaints come from
Most complaints: Texas (1,472), Georgia (391), Alabama (218), Florida (71), California (32).
Credit Systems International compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Bounce AIDebt collection | 49 | 953 | D |
| 2 | RentDebt Automated CollectionsDebt collection | 49 | 940 | D |
| 3 | LJ Ross AssociatesDebt collection | 48 | 932 | D |
| 4 | Credit Systems InternationalDebt collection | 52 | 877 | C |
| 5 | TekCollectDebt collection | 55 | 872 | C |
| 6 | SezzleDebt collection | 45 | 845 | D |
| 7 | AcimaDebt collection | 67 | 820 | B |
| 8 | Bull City Financial SolutionsDebt collection | 51 | 810 | C |
Compare side by side: Credit Systems International vs Bounce AI · Credit Systems International vs RentDebt Automated Collections · Credit Systems International vs LJ Ross Associates · Credit Systems International vs TekCollect
What people say about Credit Systems International
All experiencesNo experiences with Credit Systems International yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Credit Systems International complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 10, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 9, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 6, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 4, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 3, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 2, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 2, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 31, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 31, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
Questions about Credit Systems International
How many complaints does Credit Systems International have?
Credit Systems International has 2,527 complaints on record since July 2013, including 877 in the last 12 months and 30 in the last 30 days. That makes it number 141 of every company by complaints this year.
Does Credit Systems International respond to complaints?
Yes. Credit Systems International answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 52/100 (grade C).
What do people complain about most with Credit Systems International?
The most common problems are attempts to collect debt not owed (884), took or threatened to take negative or legal action (363), written notification about debt (404).
Is Credit Systems International legit?
Credit Systems International is a real company with a public complaint record: consumers have complained about it 2,527 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Credit Systems International legit? for the signals, red flags and how to protect yourself.
Are complaints about Credit Systems International going up or down?
Up. There were 877 complaints in the last 12 months against 671 in the 12 before (+31%). See every month.
How do I file a complaint against Credit Systems International?
Complain to Credit Systems International in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Credit Systems International complaints come from?
Most come from Texas (1,472), Georgia (391), Alabama (218). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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