Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/17/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am receiving constant phone calls after explaining to the debtor that I am currently unemployed and do not have money to pay. I want the calls to stop.

  

  Business Response

  Date: 07/17/2025

  Credit Systems International, Inc. regrets any inconvenience that ********* ****** may have experienced due to this matter. We are in receipt of the cease and desist request and will not contact this consumer again regarding this account number ******************** with Coserv Electric/Gas. If ********* ****** has any additional questions, we ask that they contact our office and speak to one of our helpful supervisors. He can ask for ****** **** or ******* ***** directly.

• Initial Complaint

  Date:07/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have received phone calls from Credit Systems International, *** and have called them back in March, April and May and tried to obtain information about a debt that they've said I owe. Each time, I've asked for a copy of the bill, date of service, provider's name.1st call: They said they would email me a bill and that it would be sent after the end of business on the day I called. I asked if I could view/pay the bill on line and they advised since I have no account number from the bill that it wouldn't give me any information.2nd call: Got a voicemail, called back, requested a copy of the bill again as I never received one. I was told again that they would send me an email but it wouldn't be sent until after they closed. I asked again if I could pay it online and was told again that I could go online but there wouldn't be any information. I asked for the account number which they provided and website, the website was very generic and only asked me for an account number and ********************** card number to pay the bill so I was hesitant to to pay.3rd call: Received voicemail, called the company back again I asked for a copy of the bill and verified that they had the right address. I was told the address I gave them was not what they had on file but I gave the address anyway so they could mail a copy of the bill.4th call: I received a phone call today and for a fourth time I asked them to send a bill. The ***resentative was extremely rude saying they sent me a bill on 6/18/25 which again I have NEVER RECEIVED. I stated I was told previously they would email and mail a copy of the bill and that I'd verified my address. She told me they don't email bills and never have and laughed at me again. I told them I filed a **** complaint, they didn't know what that was. 5th call: Called back today, the *** said she would request the bill be mailed again and noted the account as disputed. She also stated they don't email bills. If the bill is valid, I'd like to pay it.

  

  Business Response

  Date: 07/17/2025

  Credit Systems International, Inc. (CSII) regrets any inconvenience that ****** ****** may have experienced due to this matter. CSII's records indicate that an itemized bill was mailed to the address on ************** on 6/19/2025 and we will send another one today to ensure you receive the requested information. Additionally, CSII has sent three notices by email in an attempt to resolve this account. ********************** has noted her dispute in our office and submitted the request to the credit reporting agencies. If ****** ****** has any additional questions, we ask that they contact our office and speak with one of our helpful agents. 

• Initial Complaint

  Date:07/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello my name is ***** ****** in regards to Georgia Power Account #: ********** I am submitting this complaint regarding a recent collection notice I received from Credit Systems International, Inc. about the account listed above. I was never informed of this debt by the original creditor and do not recognize or acknowledge this account.I have not received any documentation showing where this debt originated, who the original creditor is, or proof that I am responsible for the amount being claimed. Ive made attempts to obtain this information directly from the company, but I have yet to receive a valid response or verification.This unexpected and unverified collection notice has caused me stress and confusion. Even more concerning is the fact that this account has been reported to my credit file without proper validation or my consent. I formally demand that Credit Systems International immediately remove this account from my ********************** report and provide confirmation that it has been deleted from all major credit bureaus.I am requesting the following actions be taken:A detailed explanation of the origin of the debt The full name and contact of the original creditor A breakdown of the balance Proof that I am the individual responsible Immediate removal of this account from all ********************** reporting agencies Until proper documentation is provided and this matter is resolved, I do not consent to any further reporting or collection activity. I am disputing this debt in full and demand its immediate removal from my consumer report.Thank you for your assistance in helping to resolve this issue.

  Customer Answer

  Date: 07/09/2025

  Hello my name is ***** ****** in regards to Georgia Power Account #: ********** that shows on my consumer report from date April 25th, 2025 I am submitting this complaint regarding a recent collection notice I received from Credit Systems International, Inc. about the account listed above for the amount of $482 from Georgia Power Company and my desired outcome is deletion of this account from my consumer report. I was never informed of this debt by the original creditor and do not recognize or acknowledge this account. I have not received any documentation showing where this debt originated, who the original creditor is, or proof that I am responsible for the amount being claimed. Ive made attempts to obtain this information directly from the company, but I have yet to receive a valid response or verification. This unexpected and unverified collection notice has caused me stress and confusion. Even more concerning is the fact that this account has been reported to my credit file without proper validation or my consent. I formally demand that Credit Systems International immediately remove this account from my ********************** report and provide confirmation that it has been deleted from all major credit bureaus. I am requesting the following actions be taken: A detailed explanation of the origin of the debt The full name and contact of the original creditor A breakdown of the balance Proof that I am the individual responsible Immediate removal of this account from all ********************** reporting agencies Until proper documentation is provided and this matter is resolved, I do not consent to any further reporting or collection activity. I am disputing this debt in full and demand its immediate removal from my consumer report. Thank you for your assistance in helping to resolve this issue.

  

  Business Response

  Date: 07/17/2025

  Credit Systems International, Inc. (CSII) regrets any inconvenience that ***** ****** may have experienced due to this matter. We are sending an itemized statement to this consumer at the address provided in the BBB complaint, which will provide the additional account details being requested. CSII has noted the dispute in our office and submitted a request to the credit reporting agencies. If ***** ****** has any additional questions, we ask that they contact our office and speak with one of our helpful agents. 

  

  Business Response

  Date: 07/17/2025

  Credit Systems International, Inc. (CSII) regrets any inconvenience that ***** ****** may have experienced due to this matter. We are sending an itemized statement to this consumer at the address provided in the BBB complaint, which will provide the additional account details being requested. CSII has noted the dispute in our office and submitted a request to the credit reporting agencies. If ***** ****** has any additional questions, we ask that they contact our office and speak with one of our helpful agents. 

  

  Business Response

  Date: 07/17/2025

  Credit Systems International, Inc. (CSII) regrets any inconvenience that ***** ****** may have experienced due to this matter. We are sending an itemized statement to this consumer at the address provided in the BBB complaint, which will provide the additional account details being requested. CSII has noted the dispute in our office and submitted a request to the credit reporting agencies. If ***** ****** has any additional questions, we ask that they contact our office and speak with one of our helpful agents. 

  

  Business Response

  Date: 07/17/2025

  Credit Systems International, Inc. (CSII) regrets any inconvenience that ***** ****** may have experienced due to this matter. We are sending an itemized statement to this consumer at the address provided in the BBB complaint, which will provide the additional account details being requested. CSII has noted the dispute in our office and submitted a request to the credit reporting agencies. If ***** ****** has any additional questions, we ask that they contact our office and speak with one of our helpful agents. 

  Customer Answer

  Date: 07/17/2025

  Complaint: 23576285
  
  I am rejecting this response because:
  
  I did not permit for any accounts from ********************** to be furnished on my credit report nor did I sign any agreement with Credit Systems International. I am requesting immediate removal of this account from my consumer report. Should Credit Systems International not remove this account I will move forward with Arbitration. 
  
  Regards,
  
  ***** ******

• Initial Complaint

  Date:05/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I honestly dont get why C R Systems reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ***** Amount Disputed: $141

  

  Business Response

  Date: 06/20/2025

  Credit Systems International, Inc. regrets any inconvenience that ****** Howard ********** may have experienced due to this matter. We have noted this dispute in our office and have updated the credit reporting agencies accordingly. CSII is investigating this dispute and will provide verification of the debt directly to the consumer. If ****** Howard ********** has any additional questions, we ask that they contact our office and speak with one of our helpful agents. 
  

• Initial Complaint

  Date:05/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The reported debt contains incorrect information, making it invalid and disputable.

  

  Business Response

  Date: 05/19/2025

  Credit Systems International, Inc. regrets any inconvenience that ******* ****** may have experienced due to this matter. We have noted this dispute in our office and have updated the credit reporting agencies accordingly. CSII is investigating this dispute and will provide verification of the debt directly to the consumer. If ******* ****** has any additional questions, we ask that they contact our office and speak with one of our helpful agents. 
  

• Initial Complaint

  Date:04/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  VALIDATION AND CEASE AND DESIST?? CREDIT SYSTEMS INTERNATIONAL *** ********************************************************************************************* Account #: ********* ?******** ******* ?************************************************************************************** ? Dear Credit Systems *******,? I recently received a debt collection notice from your office. I am writing to verify that you have?? contacted the correct individual and to request that you provide documentation confirming this.?? Please supply me with a copy of any contract or agreement signed with your company or the?? original creditor. In accordance with the Fair Debt Collection Practices Act (FDCPA), I request the following?? information:?? 1.?? The name and address of the original creditor and the current creditor.?? 2.?? Verification of the debt amount you are seeking to collect, including evidence that?? a contract exists creating the amount you claim is owed.?? 3.?? Documentation of all assignments showing the transfer of the debt from the?? original creditor to the current creditor.?? 4.?? Proof that the original creditor securitized the debt.?? 5.?? Documentation showing the assignments of the debt from the original creditor to?? the secured trust and then back to the original creditor.?? Please cease and desist from collecting on this debt until you have provided validation of the?? debt.?? Additionally, I request that you do not access my credit report or report anything to my credit?? bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my?? credit report if you have already reported this debt.?? Permissible Purpose?? Please state your permissible purpose for accessing my credit information. I dispute your right?? to do so.??Notification to Other Collectors?? I dispute that I owe this debt to you. Should you transfer this debt to another collector, please? inform them of my dispute regarding the validity of this debt.?? Thank you for your prompt attention to this matter.?

  

  Business Response

  Date: 05/19/2025

  Credit Systems International, Inc. regrets any inconvenience that ******** ******* may have experienced due to this matter. We are in receipt of the cease and desist request and will not contact ******** ******* again regarding this account number ********** with Alabama Power.We have requested that this account be deleted from the credit reporting agencies. If ******** ******* has any additional questions, we ask that they contact our office and speak to one of our helpful supervisors. He can ask for ****** **** or ******* ***** directly.

• Initial Complaint

  Date:04/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I honestly dont get why CREDIT SYSTEMS INTL IN is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ***** Amount Disputed: $2322

  

  Business Response

  Date: 04/24/2025

  Credit Systems International, Inc. regrets any inconvenience that Ms. ***** may have experienced due to this matter. We have noted this dispute in our office and have updated the credit reporting agencies accordingly. CSII is investigating this dispute and will provide verification of the debt directly to the consumer. If Ms. ***** has any additional questions, we ask that they contact our office and speak with one of our helpful agents. 
  

• Initial Complaint

  Date:04/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ************* MERCHANDISE, I do not have a contract with ******* INTR, they did not provide me with the original contract as i requested.Opened date: 5/12/2021Account number: 125931***High credit: $3,237.00 Correction to my credit report. I demand this account be removed from mycreditreport

  

  Business Response

  Date: 04/08/2025

  Credit Systems International, Inc. regrets any inconvenience that ****** ****** may have experienced due to this matter. We have noted this dispute in our office and have updated the credit reporting agencies accordingly. CSII is investigating this dispute and will provide verification of the debt directly to the consumer. If ****** ****** has any additional questions, we ask that they contact our office and speak with one of our helpful agents. 

• Initial Complaint

  Date:03/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am disputing an invalid account being reported by Credit Systems International, Inc., on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request immediate removal. Under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), I request that you provide validation of the debt in question.Please provide the following information to verify this debt:The full amount of the alleged debt.The name of the original creditor.A copy of the original contract or agreement that outlines the terms of the debt.The date of the original debt.Any documentation that proves I am responsible for the debt.Any payment history or account statements related to this debt.Until you provide this requested validation, I request that you cease all collection efforts and refrain from reporting this alleged debt to credit bureaus, as you are required by law to validate the debt first.Please note that I am entitled to 30 days from the receipt of this letter to request validation. If you are unable to provide this information, I request that you immediately cease all collection activity and remove any related information from my credit reports.Thank you for your attention to this matter.

  Customer Answer

  Date: 03/18/2025

  To whom it may concern,

  I cannot provide a billing date and/or reason for billing, hence my request for validation of this account/debt in my initial complaint. However, I can provide the account number being reported on my ********************** report; account. #*********.

  Regards,

  ****** Sterling 

  

  Business Response

  Date: 03/24/2025

  Credit Systems International, Inc. regrets any inconvenience that ****** ******** may have experienced due to this matter. We are sending an itemized statement to the address provided in this BBB complaint that will include all requested information. We have noted this dispute in our office and requested that the credit reporting agencies update this account as being disputed. If ****** ******** has any additional questions or wants to discuss the details of any of these accounts, we ask that they contact our office and speak with one of our helpful agents. 

  Customer Answer

  Date: 03/24/2025

  Complaint: 23067700
  
  I am rejecting this response because:  my request for debt validation includes:

  1.) The full amount of the alleged debt including, date of original debt, date of first delinquency, date of last payment. 

  2.) The name of the original creditor.

  3.) Documentation showing the complete chain of assignment. 

  4.) A copy of the original contract or agreement that outlines the terms of the debt.

  5.) Any documentation that proves I am responsible for the debt.

  6.) All payment history and account statements related to this debt.

  If this information cannot be provided, immediately delete this account from my ********************** report.

  Regards,
  
  ****** ********

  

  Business Response

  Date: 04/07/2025

  Credit Systems International, Inc. regrets any inconvenience that ****** ******** may have experienced due to this matter and we have attempted to help with a resolution to this account. Due to the extenuating circumstances that surround this account, ********************** has requested that this account be deleted from the credit reporting agencies. If ****** ******** has any additional questions, we ask that they contact our office and speak to one of our helpful agents.

  Customer Answer

  Date: 04/10/2025

  Complaint: 23067700
  
  I am rejecting this response because: I previously disputed this account to which it was subjected to a debt validation request, to which the company failed to provide sufficient validation as required by law. Furthermore, credit systems international, inc., has reappeared on my credit as of 4/9/2025. Delete this account from my ********************** reports immediately.

  Regards,
  
  ****** ********

  

  Business Response

  Date: 04/24/2025

  Credit Systems International, Inc. regrets any inconvenience that ****** ******** may have experienced due to this matter. We have requested that this account be deleted from the credit reporting agencies again. It appears that the consumer is submitting disputes through multiple platforms and that caused a timing issue with the updates to the credit reporting agencies. This account has been closed with CSII. If ****** ******** has any additional questions, we ask that they contact our office and speak to one of our helpful agents. 

• Initial Complaint

  Date:03/10/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On January 6, 2025, Credit Systems International emailed me a billing for $99.25. The email said the ************************** had sent my account to them for collection. I filed a Disputed Claim with Credit Systems on January 7, 2025, via their website. On February 21, 2025, I sent an email to Credit Systems asking for an update on my Disputed Claim. On that same day, I received an email from Credit systems stating "Thank you for contacting us. We will review your request and get back to you shortly.". I have received no response from Credit Systems. ************************** has verified that I do not owe them the $99.25.

  

  Business Response

  Date: 03/24/2025

  Credit Systems International, Inc. regrets any inconvenience that ******* ***** may have experienced due to this matter. We appreciate your patience as the accounts were investigated with our client, Skin & ******************** CSII received two accounts ****** & ****** for $99.25 each and our client has confirmed that both have been paid in full. CSII has closed out these accounts in our office. If ******* ***** has any additional questions, we ask that they contact our office and speak to one of our helpful agents. 

  Customer Answer

  Date: 03/26/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  ******* *****