Credit Systems International, Inc.

We regret any inconvenience Ms*** may have experienced as a result of this matter.According to our records, the outstanding balance is the balance remaining after insurance was applied to the account If there is additional insurance information that Ms*** would like to have on this
account, we ask that she contact our office and provide this information.We have marked this account as disputed, and submitted a request to the credit reporting agencies for removal of this account to assist Ms*** with her investigation into this matter.We thank Ms*** for bringing this matter to our attention If Ms*** has any additional questions or concerns, we ask that she contact our office

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meHowever, if I do not receive the letter within a few business days, I will be in contact again
Regards,
*** ***

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

We have since discussed this matter with Ms***. She has requested an update as to the investigation following her dispute (that insurance should have been billed for this account). We have tried to contact her via telephone in addition to responding via the Revdex.com portal, as she
requested, but were unable to reach her. We have provided our client with Ms***'s insurance information and have closed the account in our office. Closing the account in our office includes submitting a request to the credit reporting agencies for the deletion of the account. Please note, CSII does not own this account. Should Ms*** have any additional questions, we ask that she contact the original creditor directly. We thank Ms*** for the opportunity to assist her in resolving this matter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI did contact your agents and they were not overly helpfulI was instructed to file a police report for stolen identity even though the person owing money was clearly not meI looked like a fool at the police department.
Regards,
*** ***

Itemized Statements have been mailed to the address we have on file for Ms*** We ask that she allow time for mail processing.If she has any additional questions or concerns, we ask that Ms*** contact our office

We truly regret any inconvenience Ms*** may have
experienced. Our agents are trained to
be professional and courteous at all times.
An investigation has been opened and any corrective action warranted, up
to termination will be implemented
A deletion request has been sent to
the credit reporting agencies
If Ms*** has any additional questions or concerns, she
may contact our office, where we would be more than happy to assist her

According to our records, we received Ms*** certified letter on December 30, 2016. We responded to this letter via certified mail to the address on file, which matches the address provided. This correspondence was returned to our office with the indication that no authorized
recipient was available, and a notice was left at the address, and it had been held for the maximum hold time To assist Ms*** with her investigation into this matter, we have requested the deletion of the referenced accounts from the credit reporting agencies

We have concluded, from the information provided, that Mr*** is requesting information regarding his account Due to the conflicting mailing addresses we have on file, we ask that Mr*** contact our office to provide his correct mailing address, so that we may send him additional
information about his account.To assist in his investigation, we have requested a deletion of this account from the credit reporting agencies We have also noted Mr***'s account as "disputed" in our office.If Mr*** has any additional questions or concerns, we ask that he contact our office

We understand that Ms*** says she has moved since the date of service, and says that she has not received any correspondence from our office. Upon receiving this account in our office, we sent a notice to the address on file. This notice was not returned to our office as undeliverable. Therefore, we had no indication that Ms*** address has changed. As a courtesy, we are happy to provide Ms*** with information regarding her account We also understand that Ms*** believes that these accounts should be resolved through an indigent care/charity program. We are happy to assist her with this; however, we need additional information about the specific benefits Ms*** may have been allowed under this program. We need Ms*** to provide this information to us, as the benefits she may have received as a part of any program result from an agreement between her and the provider of the indigent care/charity program. Without Ms*** assistance and cooperation regarding this matter, there is little we are able to do to assist her in resolving this matter

Complaint: ***
I am rejecting this response because: I will wait for documents to arrive before concluding this as resolvedI will not contact an office for an entity that I have never dealt with which claims to have a debt without validation including copies of original documentationEspecially after the the reported agency was Equifax which was hacked last yearOnce I receive documentation including the copies of original documentation that proves I do owe a debt and it is rightfully owned by your company I will count this issue as resolved
Regards,
*** ***

Complaint: ***
I am rejecting this response because: I am requesting DEBT VALIDATION including copies of original documentation as specified in my original complaint be sent to me to prove it is a valid debt owned by your companyIf I have a dispute with my insurance company then I will contact my insurance company if I believe there is an error on their partAs of yet I have received no documentationIf original copies can not be submitted to my attention I request that the collections account be removed from my credit reports as specified in my original complaint
Regards,
*** ***

An itemized statement was forwarded to Mr*** for the accounts he requested, but until all can be furnished, a deletion will be requested from the Credit Reporting Agencies

Complaint: ***
I am rejecting this response because:I stand by my previous response; I have given your firm ALL the information that I have and/or recall; to include having gone as far as to provide sensitive medical information I reiterate that I have NO DOCUMENTS OR FURTHER INFORMATION to offer you HOWEVER, I will respond to this ONE statement from your latest correspondence: "We have confirmed with our client that there is no confirmation of a charity program on file According to our client, Medicaid responded that Ms*** was not eligible, and when our client attempted to contact Ms*** to obtain more information about the charity program, they were unable to get a response from Ms***."#So although there is “NO confirmation of a charity program on file”, your client attempted to contact me “ABOUT the charity program”? Meaning that your client DID indeed receive my document(s), otherwise they would have NOT have had a reason to attempt to contact me “ABOUT the charity program” Thus YOUR CLIENT would be the one to know which program, etc, as I’ve told you repeatedly that I DO NOT RECALL.#Your firm has time and again continually denied having any record of any indigent/charity program on file, pressuring me over and over (even on latest correspondence) into providing you with additional information/documentation as to which program, etc., driving me into back to back anxiety attacks All while not only having made myself EXTREMELY CLEAR from the beginning that I do NOT have any further information/documentation to provide to you, yet having just admitted that your client DID indeed receive the charity program document(s), for which I repeatedly advised you that I was certain that I’d submitted. AGAIN, I reiterate have NO DOCUMENTS OR FURTHER INFORMATION to offer you, so PLEASE STOP ASKING, as it’s now beginning to borderline harassment Please be advised that I have already spoken to my mental health providers about this ongoing matter with CSII and the anxiety it continues to cause me They have legal services in place to assist clients/patients to include the handling of cases relating to the Fair Debt Collection Practices Act, such as this one. I will be providing them with a copy of ALL correspondence submitted through the Revdex.com between CSII and myself Along with such correspondence, the record of complaints filed against your firm thru the Revdex.com in the past years along with the over complaints found to have been filed with the Consumer Financial Protection Bureau since will be submitted as well Unless you immediately cease your deceitful, unethical and borderline harassing collection practices towards myself, through my provider’s legal services and/or referrals, I will pursue any and all legal resources available to me.
Regards,
*** ***
***

Complaint: [redacted]
I am rejecting this response because:
I haven't received the itemized statement of the alleged debt. This information was supposely sent according to the last response sent by the collector?  Does the idemized statements include original documents according to FDCPA's definition of verification of debt?
Regards,
[redacted]

According to our records, Mr. [redacted] paid this account on 6/19/17 with our office.  As promised, we have submitted a request for the deletion of the referenced account to the credit reporting agencies and have mailed the requested deletion letter to the address on file.    If Mr....

[redacted] has any additional questions, we ask that he contact our office.

We have concluded, from the information provided, that Ms. [redacted] is requesting information regarding her account.  We have requested that itemized statements for the accounts to be mailed to the address we have on file in our office. To assist in her investigation, we have requested...

a deletion of the accounts from the credit reporting agencies.  We have also noted Ms. [redacted] accounts as "disputed" in our office.   If Ms. [redacted] has any additional questions or concerns, we ask that she contact our office.

There appear to be extenuating circumstances regarding this matter.  We have requested a deletion of the previously referenced account from the credit reporting agencies. If Ms. [redacted] has any additional questions, we ask that the contact our office and speak with one of our helpful agents.

We have received Ms. [redacted]'s reply to our previous response.  Further review of her account has shown that her circumstances qualify for extenuating circumstances.  We have requested a removal from the credit reporting agencies.If Ms. [redacted] has any additional questions, we ask that she contact our office.

We regret any inconvenience that Ms. [redacted] may have experienced in this matter.According to our records, we do show that Ms. [redacted]'s account has been updated as paid in full.  This information was received from our client, and is now accurately reporting to the credit reporting...

agencies.We received these charges as two separate accounts from our client.  We do not have specific information regarding the methods of billing of our client, as a result, we must list accounts in the manner we receive them.  If Ms. [redacted] has any further questions or concerns, we ask that she contact our office.  We hope this resolves the matter.