Credit Systems International, Inc.

I sent them a debt validation letter, to which I received a very basic response that still doesn't prove that the debt is mine. I as a consumer feel that this agency at least owes me the consideration of showing solid proof that this alleged debt is mine such as a signed agreement. I have my debt validation letter, and response back letter if needed. I appreciate any assistance you may offer in reference to this matter. Again,
Regards,
[redacted]

We regret any inconvenience that Ms. [redacted] may have experienced as a result of this matter. We have mailed Ms. [redacted] a response to the letter mailed to our office (the same letter that was attached). If Ms. [redacted] has any further questions, we ask that she contact our office.

We have issued a request to the Credit Reporting Agencies (CRAs) that the account be deleted from Ms. [redacted]' credit report.

A communication was received from Mr. [redacted] stating the accounts were disputed and further attempts to collect the debts or communicate with him should cease.  A request was made to change the reports listed with the Credit Reporting Agencies (CRAs) to disputed accounts and...

a copy of Mr. [redacted]’ correspondence was forwarded to our client for investigation.   A request has beenissued to the CRAs to delete the reports until the investigation is completed.  If Mr. [redacted] will allow us to communicate with him in reference to his disputes, the issue will be much easier to resolve and he can be made aware of the investigation status.

Our records indicate that the previously referenced accounts have a zero balance.  Based on our dealings with Ms. [redacted], we understand that this situation involves extenuating circumstances.  We have requested the deletion of Ms. [redacted]'s previously referenced accounts. If Ms. [redacted] has any additional questions, we ask that she contact our office.

We regret any inconvenience that Ms. [redacted] has experienced as a result of this matter. According to our records, we have not received proof of payment for the referenced account.  We have verified this account with our client on multiple occasions, and our client has informed us that the...

balance remains outstanding.  If Ms. [redacted] believes this account is paid and has such records to indicate that, we ask that she send a copy of the proof of payment (copy of cancelled check, receipt, etc.) to our office at [redacted] so that we may further investigate this matter.  We have noted this account as disputed and have updated the credit reporting agencies with this information.   If Ms. [redacted] has any additional questions, we ask that she contact our office and speak with one of our helpful agents.

Yet again they are avoiding the complaint. I am calling on the Revdex.com to downgrade their Business Rating as well as post this on their website for everyone to see how this unscrupulous organization operates. I will also be passing on this complaint to my Attorney and I will be speaking damages from them

Correspondence sent to consumers
that they have an account placed for collection are not required to be sent
certified mail.  As we explained in our initial response, notification of
the placement for collection was sent on the same day the account was received
for collection.  Mr. [redacted] has not asked for an itemized
statement.  Since we are now aware that he is requesting verification, we
will gladly send him a statement via regular mail.  This must be ordered
from our client and we will send it to Mr. [redacted] upon receipt.  Our
office has gone far above requirements by asking for a deletion of the report
to the Credit Reporting Agencies until this is resolved.   If Mr.
[redacted] has any questions, he can feel free to contact our compliance
department.

We have provided Ms. [redacted] with adequate information, as we have previously stated.  As we are apparently unable to satisfy her, we have submitted a request to the credit reporting agencies for the deletion of the referenced accounts to assist in her investigation into this matter.   If Ms. [redacted] has specific questions regarding her insurance coverage, we ask that she contact her insurance company for additional information.  If Ms. [redacted] has additional questions for Credit Systems International, Inc., we ask that she contact our office and speak with one of our helpful agents.

Complaint: [redacted]I am rejecting this response because of the business' lack of professionalism in handling this matter as proven below:“Without Ms. [redacted] assistance and cooperation regarding this matter?”Here’s my FULL assistance and cooperation, although I SHOULDN’T have to NOR did I WANT to provide such INFORMATION in protecting my MEDICAL PRIVACY:  As previously stated I DO have medical AND psychiatric conditions. These include Bipolar Disorder, Bipolar and Clinical Depression, Social Anxiety Disorder, Fibromyalgia, Chronic Insomnia, Concentration and Memory Loss Issues amongst MANY others conditions that I can't even think of or remember without looking them all up, but I think you should get the picture.The reasons I do not want phone contact is not only due to my Anxiety when talking on the phone, which I completely avoid unless it’s for a family emergency. BUT MORE IMPORTANTLY, keeping everything in writing ENSURES that I REMEMBER what has transpired instead of possibly FORGETTING  important details in whatever matter it is that I am dealing with.“We also understand that Ms. [redacted] believes that these accounts should be resolved through an indigent care/charity program”.  Correction: Should HAVE been resolved thru whatever indigent program BACK when I applied. Here is what I DO remember:I went to the ER twice within a short amount of time since the issue was NOT taken care of the first time. I do NOT remember what the specific document(s) were, they were given to me at someone at the ER once I stated my financial situation..The document(s) were filled out by my current partner/caretaker and I signed them.  These were mailed out to a San Antonio address in a timely manner.  I do NOT remember what address was.  On that note, I will NEVER have my caretaker send out documentation without retaining a copy of what is being sent out via certified and traceable mail ever again.I do NOT recall ever receiving further correspondence from either the Indigent Program, the ER not Credit Systems, which would have been handled by my caretaker if I had.That is ALL that I remember.I have good mental days and bad mental days, I have good physical days and bad physical days.  It is RARE that I have good days on both and when I DO, I cherish and try to enjoy as much as possible.  For many years, I’d given up on myself to the point of NOT CARING ABOUT ANYTHING, instead just falling into deeper and deeper depressions.  This would include my not even caring about even caring about my basic personal needs let alone caring to check my credit report.  As I work to get better and am trying DESPERATELY to work to get my life back under control, my credit issues have been one of them.Your JUDGMENTAL comment of my lack of “assistance and cooperation”  being previously told that I am in the process of disability, yet not KNOWING what I CURRENTLY deal with drove me into an absolute ANXIETY frenzy yesterday which ruined my ENTIRE day and has ALREADY ruined today as well, thank you for that - hope it makes you proud and HAPPY.  Comments like that are the reason I do not leave my home, as if I am taken somewhere and use my disabled placard, I am given dirty looks because “I do not look disabled”.  Or having to go into a store and using a motorized cart and being yelled and cussed at because “I don't look like I need it”. Yes, these had occurred with such  frequently that I do not go out unless absolutely necessary, to avoid the embarrassment and Anxiety which it brings me. Similar to thw way your judgmental comment drove me into the Anxiety which not only affected me yesterday but it ALSO affecting me today.I’m glad you’re “happy” to assist me with the indigent program, yet you FAILED to explain what ADDITIONAL INFORMATION it is that you need.  I HAVE COMPLETELY GIVEN UP MY PRIVACY IN THIS WRITING, I hope that makes you HAPPY as well.This entire situation has driven my Anxiety to a point that I wish I hadn't even reported at all, incorrectly assuming that your firm would simply attempt to find the documentation previously submitted.  How ignorant of me to think that your collections agency would try to work with me when all collection agencies care about is receiving payment so they can collect fees.I am trying to work and take care of myself and DESPERATELY trying to keep it together but I have no more to offer you.  I DID send out whatever documentation was given to me at the ER shortly after receiving such and ALSO already explained that I had assumed this was no longer an issue since I had submitted such. Again, since I do NOT recall ever receiving documentation from the indigent care program, the ER OR your firm, thus I DO NOT have any documentation or anything else to offer you.It should be further be noted that this and all other correspondence provided thru the Revdex.com, regarding this matter, has been written by or with the guidance of my caretaker, due to my concentration issues.I am not refusing payment as I have repeatedly explained that I do NOT work thus have NO income thus I am UNABLE TO pay AND that the indigent care documents WERE submitted as instructed by the ER.I am simply giving up because the stress your firm is causing me is driving my Anxiety and just ISN’T worth what you are putting me thru as I try to simply work on bettering myself.  So, if you choose to, just leave the items on my credit as apparently it is EASIER NOT TO CARE for when I do, this is what I end up with.  I have already put my medical information on here which I SHOULDN'T had to have done.  And yes, I understand this will become public record which utterly disgusts me to have my information out there, but at least it will allow others to see how your collection agency treats its disabled persons in collections.Regards,[redacted]

According to our records, we received a letter from Ms. [redacted] on April 5, 2017.  We responded to this letter via certified mail, which was returned to our office as "unclaimed".  We are mailing the response to the address provided via regular mail. To assist Ms. [redacted] in her...

investigation into this matter, we have requested the deletion of the referenced accounts.  If she has any additional questions, we ask that Ms. [redacted] contact our office.

Nothing has changed, my stance is the same. I want that fraudulent debt removed from my credit files, and I want hard copy proof on their letterhead. And I have repeatedly requested that I want their license numbers and Registered agent documentation,   Where is that?

We regret any inconvenience Ms. [redacted] has experienced as a result of this matter.We have noted the account as disputed in our office.  To assist Ms. [redacted] in her investigation, we have requested a removal from the credit reporting agencies.  We have also requested an itemized statement be...

mailed to Ms. [redacted] at the address she has provided, which is the same address we have on file.  We welcome Ms. [redacted] to contact our office with any additional questions or concerns.

To assist in her investigation, we have requested a deletion of this account from the credit reporting agencies.  We have also note Ms. [redacted] account as "disputed" in our office.   Ms. [redacted] indicates that she spoke with our office on 4/20/17 and 5/23/17.  Please note, our records...

reflect that we have not had the opportunity to speak with Ms. [redacted] about the referenced account. If Ms. [redacted] has any additional questions or concerns, we ask that she contact our office.

We have previously mailed Ms. [redacted] the itemized statement, which includes the original creditor, for the referenced account to the address provided. To assist Ms. [redacted] with this matter, we have submitted a request for the deletion of this account.

Complaint: [redacted]
I am rejecting this response because: If it was not purchased, then how did they get it? I did not have any dealing with them. 
Regards,
[redacted]

According to our records, we have, indeed been in contact with Mrs. [redacted], and our records reflect that an itemized statement has been send to Mrs. [redacted] (to the address on file: [redacted]).We regret any inconvenience that Mrs. [redacted] has experienced.  To help...

expedite this investigation, we ask that Mrs. [redacted] contact her bank to get a copy of the check that was cashed/deposited and send it in to our office.To assist Mrs. [redacted] in this matter, we have placed her account on administrative hold in our office, and have submitted a request for deletion from the credit reporting agencies for a minimum of 60 days.  We appreciate Mrs. [redacted]'s cooperation in this matter, and for bringing it to our attention.  If she has any additional questions, we ask that she please contact our office directly.

We found Mr. [redacted]’s situation to be an extenuating circumstance, which did qualify for a request for the removal of his accounts from the credit reporting agencies (CRAs).  We submitted a request for removal, however will submit a second request.We truly regret any inconvenience Mr. [redacted] may...

have experienced.  If Mr. [redacted] has any additional questions or concerns, he is welcome to contact our office, where we will gladly assist him.

To assist in Ms. [redacted] investigation into this matter, we have submitted a request to the credit reporting agencies for the deletion of the referenced accounts.We have noted the accounts as disputed in our office.  If Ms. [redacted] has any additional questions, we ask...

that she contact our office.

If Ms. [redacted] is alleging that this account is the result of identity theft or fraud, we ask that she provide us with a copy of the police report referencing the matter.If Ms. [redacted] has any additional questions, we ask that she contact our office directly, so that we may help her resolve this matter.Please note, CSII has submitted a request for removal of the account from the credit reporting agencies.