Credit Service International Corp CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/13/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 559XX	Web
We are filing complaint against Credit Service International, XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX and XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX. ( 1 ) Furniture was fully paid in the amount of {$2400.00} on XX/XX/19 promising that every item we bought was in stock and will be delivered together on XX/XX/19 ( 2 ) Delivery not made as promised ( 3 ) Delivery made piecemeal ( 4 ) Delivery contained damaged items ( 5 ) We were made to call customer service who were as rude as XXXX ( 6 ) Unilaterally cancelled paid extended warranty with false and baseless reasoning knowing that furniture is for home in XXXX, XXXX and stating that as customer is moving to XXXX even though it is nationwide coverage ( see attached copies ) ( 7 ) Why did they cancel extended coverage that we had paid for? ( 8 ) Why did they lie? ( 9 ) Charge for extended warranty {$340.00} had to be disputed because of unilateral cancellation by XXXX XXXX ( 10 ) XXXX XXXX had audacity to cancel warranty unilaterally but did not have honesty and integrity to give us refund. ( 11 ) They finally refunded the amount to Credit Card Company and Credit Card Company issued us credit for {$340.00} on XX/XX/19 ( 12 ) With our persistence replaced sofa and chaise but still delivered damaged merchandise ( 13 ) My mom had to extend her stay in XXXX incurring additional expenses ( 14 ) Issue of damaged sofa and Chaise has been going on since first delivery on XX/XX/19 ( 15 ) Damaged Sofa-Chaise had to be replaced multiple times and still they could not deliver undamaged merchandise ( 16 ) We were forced to deal with most unfriendly customer service ( 17 ) We were forced to dispute charges ( 18 ) XXXX XXXX had our money and they did not have to resolve dispute. ( 19 ) XXXX called demanding payment ( when he already had {$790.00} ) saying he has resolved dispute and began threatening and harassing on phone including entering my home and taking every piece of paid furniture. ( 20 ) XXXX and XXXX XXXX resolved the dispute by giving unconditional credit. There was no quid pro quo. ( 21 ) As per the letter dated XX/XX/19 submitted by you from XXXX, XXXX, the disputed amount of {$790.00} was debited. ( 22 ) If they were going to exchange the furniture why did they resolve the dispute with credit card company? They had the money since XX/XX/19 ( 23 ) If they wanted money, why resolve the dispute and then turn around demanding money and threatening to enter my home take every piece of furniture even though it was paid for ( 24 ) The letter dated XX/XX/19 that you have enclosed contains false statements ( 25 ) Turn us over to collection agency even though credit was issued ( 26 ) They can not be allowed to keep doing whatever and however they please.
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 330XX	Web
My doctors office has been charging me for test 's that are not pre-discussed or explained. I have no idea what they are for. I was not advised of how much they would cost. I have no idea if I was actually given the test 's listed. The doctors office ( XXXX XXXX XXXX ) has been atrocious in communicating. In the last year these tests that were given... Prompted the doctors office to send me to the XXXX XXXX two times. Both times that I went to the XXXX XXXX, they did more tests and determined there was nothing wrong and they weren't sure why I would have been sent there. I have been billed over $ XXXX dollars. My doctors office holds no accountability. ZERO. The test 's that we are referring to currently are medical tests from XXXX of 2022. They sent me a bill, I contested the bill. I never heard anything back and they sent the bill to collections. I have worked for the last 2 years to pay everything on time in full. I have busted my XXXX to build my credit score up in the hope that someday I might be able to purchase a home. XXXX notified me through my monitoring program that I had an account in collections. When I looked at the debt, it is from XXXX XXXX XXXX. That is XXXX XXXX XXXX 's office. The company that has taken me to collections is Credit Service INTL CO. To my understanding the new laws made it so medical debt would not be put on collections for one year. That is/was an extension from 180 days. I have contacted XXXX, they were not aware of the rule and a dispute was filed. I would like this debt to be taken off of my credit report. I would like to know how the doctors office came up with these test fee 's and how and when I signed to approve these test 's, resulting in the fee 's and collections account on my credit report.
03/10/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI XXXXX	Web
In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Please know that I am requesting debt validation for the account that is in the amount of XXXX on my XXXX credit report Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thanking you, XXXX XXXX XXXX
01/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46123	Web
XXXX XXXX appointment XX/XX/XXXX at which time new insurance card provided by client ( recently turned XXXX and now under individual plan via employer ) ; XXXX XXXX provides full coverage of all preventative services with {$0.00} copay. Sometime after XX/XX/XXXX ( as evidenced by mail forwarding per XXXX from prior residence ) statement sent from dental office with unpaid balance on account dating back to said appt prior year ; no contact prior to this. Several phone calls exchanged between myself ( client ) and dental office to refute charges. Discovered Incorrect insurance billed, therefore XXXX XXXX information provided. Claim rejected as was billed outside the service window. Argued against fault for improper billing as charges are not responsibility of client from clerical error. Received call summer/fall of XXXX from collections agency regarding outstanding balance that had been forward. Explained situation and again disputed fault for improper billing as charges were not the financial responsibility of client. Noted these events as if disputed claim would be taken care of/ resolved with dental office. No additional contact from either entity. Now XX/XX/XXXX informed of negative impact from unresolved dispute on credit report, affecting favorable mortgage loan rates when believed to be resolved months ago.
04/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MN 565XX	Web
On XX/XX/XXXX a letter was sent in the mail to me, which I received several days later. It stated that I owed this debt and that I had 30 days to dispute it. On XX/XX/XXXX, I wrote them a letter asking them to validate this debt and bring forth proof of the debt I supposedly owe. I have never received any validation and this was never placed on my credit report. On XX/XX/XXXX a letter was sent to me in the mail, which I received several days later. In this letter, the amount was higher, and there was no mention that I have 30 days to dispute this debt, again. On XX/XX/XXXX, I then sent them another letter which was notice of default, and stated since they failed to validate the debt back in XXXX, that they now can not collect on this debt, just because they changed the amount of the debt. Since they did not validate this debt, nor did they place it on my credit report back in XXXX, they are not able to collect on this unfounded debt. However, now they decided in XXXX to change the amount of the debt and not give me 30 days to dispute it, and went ahead and placed it on my credit report. This is in complete violation of the Fair Debt Collections Practices Act. They need to remove this from my credit report immediately and face consequences for not following the law.
04/04/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 490XX	Web
This collection agency has bought the debt from a medical service. Credit Service International has it listed as " XXXX XXXX '' under loan type and not medical. The service was on XX/XX/2022 for medical contract # XXXX there was 2 medical charges on that day. One from XXXX XXXX and One from XXXX XXXX. There was only one procedure performed that day and the insurance was charged twice for the same Diagnosis code, and same procedure. The Insurance did verify that I was charged twice for one procedure and I have attached documentation from XXXX XXXX XXXX XXXX of Michigan showing the charge with the contract number. The doctor that ordered the pathology was supposed to remove that from my billing. The records office will not return my calls and I was told it is in collections so there is nothing they can do about it now. I just need to pay it after I already paid the copay and insurance for the procedure. Credit Services has been notified of this error numerous times and refused to remove this collection that is under {$500.00} and a medical debt which should not be on my credit reports.
07/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 087XX	Web	Servicemember
I have been going back and forth with the three credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/2023 for the same exact thing. I live in New Jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$670.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$320.00} Collector : XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
05/31/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30253	Web
On XXXX XXXX alerted me via email that an a change occurred to my credit report. When I checked, I saw a collections agency on my account and they filed a derogatory remark on my account saying I was delinquent. This company was Credit Services Intl. I contacted them today via phone to discuss this issue. They started it is due to an unpaid bill from XXXX XXXX XXXX XXXX. I informed the representative that I never received a bill from XXXX XXXX nor have I received a notice from Credit Services Intl. How can I pay a debt I wasn't notified of? Then I contacted XXXX XXXX via email and they said that there's nothing they can do as they didn't started the collection agency process ; the physicians group did. I tried to contact the XXXX XXXX XXXX XXXX physician group about the collections and my missing bill ; I can not get anyone on the phone. No one is giving me a straight answer and now my XXXX score had dropped XXXX points due to other people not communicating efficiently.
04/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55075	Web
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following accounts be verified or removed immediately :
04/18/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75150	Web	Servicemember
I received a call from an undisclosed number they claimed to be a process server trying to serve me with papers. They gave me a XXXX XXXX number to call stating that a case had already been filed against me. When I called the number they said they had not filed a case against me and it was just their intent. They claimed to be A XXXX XXXX XXXX. They said they were going to file for separate lawsuits against me each for amounts less than {$150.00}. For a total amount of {$480.00}. I am reporting this because I do not believe them to be an actual law firm because I can not look them up anywhere. I also have not been able to reverse look up their phone number XXXX XXXX XXXX XXXX. I believe they are a collection agency who has purchased a debt who is illegally claiming to be a law firm.
04/17/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WI 54956	Web
Dates : XX/XX/2023 XX/XX/2023 Credit Service International had attempted to take money from me twice. We had agreed on {$100.00} + {$3.00} fee every week for payment of my medical debt on Wednesdays. On Wednesday XX/XX/2023 they had taken the XXXX and then had attempted to charge me another {$100.00} but was declined due to insufficient funds. On Monday XX/XX/2023 they had also attempted to take {$100.00} showing that they're attempting to take extra money from me and more then what the terms I had signed and agreed to. They had also threatened that if I had missed a single payment that there would be grounds for garnishment. They were overall unpleasent and them attempting to take this extra money is stressing me out.
03/23/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 490XX	Web
In XXXX of XXXX I was informed of a medical debt of {$150.00} to XXXX XXXX. I informed the collection representative that this was double charged based on the medical code from the doctors office that submitted it. I was called in XXXX or XXXX and asked more about the insurance not covering this charge. I was never informed they will send to collections. This is a medical debt under {$500.00} and collection agencies should not be reporting it under new FCRA guidelines. I looked and the Credit Services Intl does not have this as a medical collection on my credit report so they lied to the reporting agencies about type of debt.
07/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 51106	Web
CREDIT SERVICE INTL CORP is claiming that I owe {$1300.00} to a company called XXXX XXXX. I have attempted to have the debt verified but have been unable to. I have disputed with credit reporting agencies but this company is claiming the debt is legitimate. I have not purchased anything from XXXX XXXX, never had any sort of credit through them and certainly never agreed to any sort of account, payments or money due as they're claiming.
06/20/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MN 553XX	Web
I had went to court back in XXXX of XX/XX/XXXX for falsely alleged damages owed on an apartment I had rented for around 6 years and the case was dismissed.I am now getting threatened with garnishment papers for a debt that isn't owed on a case that was dismissed almost 7 years ago. This is going against the court of law and a order brought by a judge.
02/11/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	WI 54956	Web
Hello, This company has Re-posted the same debt multiple times. I contacted them multiple Times to verify the debt and they have not. The company also will not return calls I made. The debt for the accounts listed were settled several years ago and they continue to repost the account. The amount on the debt listed also keeps changing.
06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53223	Web	Servicemember
My credit report showinging collection agency Credit Service reporting I owe XXXX XXXX XXXX. I nevero opened or had an account for such services in Texas. I never had or did business with either of these companies
01/07/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	WI 548XX	Web
I found out i am being sued in small claims so i call there lawyer to find out about it and he some how has to have the one colling the debt call me back so tells me he is just filling claims in hope of a default
06/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30274	Web
This randomly appeared on my credit report in 2021 and it does not belong to me. This is a serious breach of my privacy and I will pursue legal action.
09/13/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 547XX	Web
collection was supposed to be removed from all XXXX credit reporting agencys upon payment but is still on XXXX
04/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 750XX	Web	Older American
I do not know what hospital bill this is ... because i paid over {$300.00} already
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19143	Web

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 54751	Web

05/04/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 48235	Web

03/31/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WI 54727	Web

11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MN 55082	Web

10/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33034	Web

05/06/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	RI 02895	Web

02/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33436	Web

01/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55405	Web

12/25/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53223	Web

12/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 54303	Phone

08/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 56537	Web

04/22/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 56537	Web

07/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

12/04/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NE 68028	Web

08/02/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WI 54701	Web	Servicemember

07/31/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WI 54701	Web	Servicemember

07/15/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 54742	Postal mail

05/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MN 55414	Web

06/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55421	Web

11/23/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	WI 54889	Web