CFPB Consumer Complaint Profile
Credit Systems International, Inc.
What 2,015 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-05-15
- 2,015
- Total complaints
- 876
- Last 12 months
- 97.7%
- Timely response
- 44
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, Credit Systems International, Inc. sits at #206, with 2,015 complaints logged. Its on-time response rate is 97.7%, ahead of the 93% median among companies with 100+ complaints.
- #206
- of 3,848 companies by volume
- 97.7%
- answered on time
- Debt collection
- most-complained product
- 44
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
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 |
| 2026 | 289 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credit Systems International, Inc.
Credit Systems International, Inc. carries 2,015 complaints in the CFPB's database, 876 of them filed within the past 12 months. Consumers spanning 44 states and territories have weighed in, giving this a nationwide footprint. "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.
97.7% of CFPB-forwarded complaints against Credit Systems International, Inc. get a reply inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 23.1% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0% closed with the consumer receiving monetary or non-monetary relief.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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.
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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~2,015)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.