CFPB Consumer Complaint Profile
Credit Systems International, Inc.
What the consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 2,015
- Total complaints
- Among the highest
- 876
- Last 12 months
- 97.7%
- Timely response
- Below median
- 44
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Credit Systems International, Inc. sits at #206. Its on-time response record is at the 45th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- TX
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Credit Systems International, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.7% Around the middle higher than 45% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 208 in 2024 to 712 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 14 |
| 2014 | 36 |
| 2015 | 43 |
| 2016 | 53 |
| 2017 | 65 |
| 2018 | 80 |
| 2019 | 70 |
| 2020 | 64 |
| 2021 | 157 |
| 2022 | 116 |
| 2023 | 108 |
| 2024 | 208 |
| 2025 | 712 |
| 2026year in progress | 289 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credit Systems International, Inc.
Credit Systems International, Inc. draws a nationwide spread of CFPB complaints, filed by consumers in many parts of the country. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Credit Systems International, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count.
Similar dispute rates
Nearest companies by share of complaints marked disputed (23.1% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Credit Systems International, Inc. have?
The CFPB has logged 2,015 complaints against Credit Systems International, Inc. to date, of which 876 came in over the last 12 months.
Does Credit Systems International, Inc. respond to complaints on time?
Credit Systems International, Inc.'s CFPB timely-response rate is 97.7%. That is a strong response record by CFPB standards.
What product generates the most complaints for Credit Systems International, Inc.?
The most complained-about product for Credit Systems International, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Credit Systems International, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Credit Systems International, Inc. - see all issues and counts above.
How do I file a complaint against Credit Systems International, Inc.?
You can file a complaint against Credit Systems International, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Credit Systems International, Inc.?
Consumers in 44 states and territories have filed complaints about Credit Systems International, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.