Credit Systems International Phone Harassment?
Is Credit Systems International (CSI) calling you? Stop Credit Systems International phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so, these behaviors are illegal and need to stop, as they may be considered harassment under the FDCPA. You have the legal right to stop CSI phone harassment. You absolutely have the right to take action and protect yourself from these practices. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees. You may also be able to file a lawsuit if your rights are violated.
CSI may garnish wages if they obtain a court judgment against you.
Is Credit Systems International a Scam?
According to the Better Business Bureau website, Credit Systems International has been in business for 39 years. There have been 97 complaints filed against CSI with the BBB.
Credit Systems International Better Business Bureau
Who is Credit Systems International?
Credit Systems International is a third-party debt collector located in Arlington, Texas that collects debts on behalf of creditors. As a third-party debt collector, CSI acts as an intermediary between creditors and consumers to recover overdue debts. Consumers should understand the distinction between original creditors and third-party debt collectors, as well as their rights when dealing with each.
Address: PO Box 1088
Arlington, TX 76004-1088
Phone: (800) 994-0578
CSI is headquartered near Fort Worth, Texas.
CSI has been a party to a Federal Court case over 45 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Consumers are often contacted by phone, letters, or text messages regarding overdue debts. Some cases have also involved international debt collection harassment, where consumers face abusive practices from international agencies, highlighting the importance of legal protections like the FDCPA. In addition, CSI may report unpaid debts as a collection account on your credit report, which can negatively impact your credit score.
Credit Systems International Collection Tactics
If Credit Systems International engages in any of the following tactics, you may have a case:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week, or being called repeatedly by their agents
- Sending you letters as a form of communication or collection attempt
- Sending you text messages to pursue payment or communicate about your debt
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
Credit Systems International Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-994-0578, 866-410-5335, 817-381-4688, (800) 994-0578, (866) 410-5335, (817) 381-4688, 8009940578, 8664105335, 8173814688
These are the company’s phone numbers that Credit Systems International (CSI) uses to contact individuals. It is important to document each phone number from which you are contacted, as this information can help build your case and improve transparency.
If the answer is yes, then you are receiving calls from a known CSI number. You may be a victim of CSI phone harassment. The list above is not all the numbers that CSI uses. The calls can be from a different number and it still be Credit Systems International calling you. Contact our office right away so we can start the process to stop CSI from calling you illegally. Above all, no one should live with harassment!
Consumer Rights and Protection
When dealing with a debt collection agency like Credit Systems International, it’s essential for consumers to understand their rights under federal laws designed to protect them from unfair and abusive debt collection practices. The Fair Debt Collection Practices Act (FDCPA) sets strict guidelines for how debt collectors must behave, prohibiting harassment, repeated phone calls, the use of false or misleading information, and other forms of abusive behavior. Under the FDCPA, debt collectors are required to treat consumers with respect and honesty throughout the debt collection process.
In addition to the FDCPA, the Consumer Financial Protection Act (CFPA) further strengthens consumer rights by ensuring fair debt collection and accurate credit reporting. This law gives consumers the right to access their credit reports, dispute any errors, and demand that collection agencies like Credit Systems International provide only truthful and up-to-date information to credit bureaus. If a debt collector reports inaccurate information or fails to correct mistakes, it can negatively impact your credit report and financial future.
If you are receiving calls from Credit Systems International or any other collection agency, it’s important to take steps to protect yourself. Start by keeping a detailed record of all phone calls, including the date, time, telephone number, and the name of the person contacting you. Note any instances of harassing calls, misleading information, or threats of legal action. This documentation can be crucial if you need to file a complaint or take legal action.
Consumers also have the right to dispute an alleged debt. If you believe you do not owe the debt or the amount is incorrect, you can request written validation from the debt collector. Until the debt is validated, the collection agency must pause collection efforts. You can also request that all communication be in writing or that the agency cease contacting you altogether, especially if you are represented by an attorney.
The Better Business Bureau (BBB) is another valuable resource for consumers. You can file a complaint against Credit Systems International or any other debt collection agency through the BBB, which can help mediate disputes and provide insight into a company’s business practices. Checking a company’s BBB profile can also help you determine if other consumers have experienced similar issues.
If you feel overwhelmed or believe your rights are being violated, don’t hesitate to seek free help from a law firm experienced in consumer protection and fair debt collection practices. Many law firms offer free consultations and only collect fees if they win your case, making it risk-free to get the support you need. Legal professionals can help you stop debt collection harassment, dispute debts, and ensure your credit report is accurate.
Remember, you have the legal right to be treated fairly and respectfully by debt collectors. By staying informed, documenting all interactions, and seeking help when needed, you can protect yourself from debt collection harassment and take control of your financial well-being.
Common Questions
Is CSI a scam? No, Credit Systems International has been in business for 39 years.
Can Credit Systems International garnish my wages? Yes, CSI can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can CSI sue me? Yes, CSI can sue you so long as the debt is within the statute of limitations. These lawsuits are typically filed to recover money owed.
Can CSI report my debt to the collection bureaus?
Can CSI arrest me?
The following is a sample list of complaints filed against Credit Systems International in the past and can be found on Pacer.org. CSI has been involved in multiple lawsuits related to debt collection.
2:13-cv-13626-AC-MAR Stanek v. Credit Systems International
4:04-cv-00267-PNB-DDB Goodman v. Credit Systems International
4:12-cv-00814-Y Gonzalez v. Credit Systems International
4:15-cv-00900-O Donaghey v. Credit Systems International
3:19-cv-01120-L Greenhaw v. Credit Systems International
About Us
is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Credit Systems International harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau. We are committed to providing great service, as reflected in the positive feedback from our clients and our dedication to effective legal representation.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Credit Systems International. call us at 855-385-8182 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
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