We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Collections Agencies

Credit Service International

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

This profile includes complaints for Credit Service International's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

Credit Service International has 3 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 46 total complaints in the last 3 years.
    • 24 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:12/17/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with credit service intl corporation. I do not have a contract with credit service intl corporation they did not provide me with the original contract as I requested.

      Business Response

      Date: 12/17/2024

      In review of the images provided with this inquiry regarding account(s) for *****************************, those accounts were not submitted to the credit bureaus by our office and they were closed with our office as indicated in the letter copies provided. Therefore, the matter regarding this creditor is concluded.  If this matter could be regarding any other creditor account(s), please provide that specific information for our office to investigate or please contact our office for further assistance at ************, Monday through Friday 8am-5pm CST

      Customer Answer

      Date: 12/17/2024

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

      [Please type your response here.]

      You guys are reporting false information, Please provide in detail of the original document from original creditor in detail providing all my information and information regarding creditor. These account were closed and a few month later you guys reported as collection again please resolve as Im contacting an attorney.  Thanks 
      Regards,

      ********* ******

      Business Response

      Date: 12/18/2024

      The attachments with your inquiry are for accounts listing ************************ ******************************  The Wellington Imaging Associate accounts were closed as indicated in the imaged letters; these accounts were never initially reported to the credit bureau by Credit Service International Corp therefore, a removal submission with the credit bureaus would not be required.  If you might be referring to a different creditor/account, please provide that specific creditor/account information for our office to investigate.  ********** can be reached at ************, Monday through Friday 8am-5pm CST or by email ***********************

      Customer Answer

      Date: 12/19/2024

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear

      The information that on my report is the same one credit service intl that was close.  You guy open a new account with the same amount with a new account number. Please kindly remove from my report.


      Regards,

      ********* Weston

    • Initial Complaint

      Date:11/26/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Credit Service International placed a debt on my credit report. I have never been contacted by them and do no know what the debt is or the validity of the debt as they have failed to do their part. Per the fair credit act this business is required to notify me of the debt within 5 days of receiving debt, providing a period of time that would allow me to dispute the debt if applicable. The placement of the debt on my credit report is unlawful and should be removed immediately until such time that the credit service international follows the fair credit reporting act.

      Business Response

      Date: 12/02/2024

      Credit Service International Corp (CSI) received account placement for collection 6/28/24. Initial notice was sent originally to the address provided by the creditor located on ************ in ********************  Mail return was received and the address was updated to same address as listed with this inquiry.  The initial notice was resent to the updated address; no mail return received.  ********** will request validation of debt from the creditor and mail via **** once received. Should JP have any questions, our office can be reached at ************, Monday through Friday 8am-5pm CST.

      Customer Answer

      Date: 12/02/2024

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

      The fact remains that placement of a collection on my credit report was done so unlawfully. I filed a dispute with the credit bureau at which time the reported debt should have been removed until the proper procedure was followed per the fair debt reporting act Consumer protection Law 15 U.S.C  1681-1681x which stated before debt can be placed on a consumers credit report validation  and accuracy  must be validated. I have not lived on Appleton since 2015 and have always update my address. The law was broken as the procedure as outlined by the law was not followed. How will this be addressed to prevent such actions happening in the future against other consumers?

      PS: I intend to seek punitive damages in the near future as I believe this maybe standard practice and is unlawful. It is unacceptable and unethical to violate consumer rights. Based on the response I believe a group review will reveal similar practices towards other consumers. I look forward to further communications regarding these practices.


      Regards,

      ****** ********

      Business Response

      Date: 12/16/2024

      CSI mailed notification of the debt to the same address as listed with this inquiry on 7/3/24.  The account was initially reported the credit bureaus 9/25/24.  When a dispute is received for an account already ********************** reported, we are required to update the reporting with a dispute flag indicator which was submitted to the credit reporting agency(s).  With our prior response, we stated we would mail the creditor's validation of debt via ***** this was done12/9/24.  Representatives are available Monday through Friday 8am-5pm CST should there be any questions.  Thank you.

    • Initial Complaint

      Date:11/14/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I recently made a dispute here online asking that Credit Service International Corporation to provide me with the original contract bearing my signature. The an itemized bill with "plain language descriptions" of the services provided. And a copy of the letter I provided giving permission to report on my credit reports. Otherwise I request that this alleged collection be DELETED from my credit report immediately for: illegally reporting on my credit profile. For violating my privacy and HIPPA Law. Illegally reporting on my credit profile. According to the Fair Credit Reporting Act(FCRA) Section 605B. It is illegal to report information on my credit report without my permission. This company did NOT provide me with verified information.

      Business Response

      Date: 11/14/2024

      The debt was validated as required per FDCPA.  The **************** Portability and Accountability Act (HIPAA) Privacy Rule allows covered providers to disclose protected health information to business associates who facilitate billing and collection of debt.  Credit Service International Corporation is such a business associate of the creditor. You were provided a billing statement in response to your request our office received.  Please contact our office at ************, Monday-Friday 8am-5pm CST  (prior BBB record ID#******** closed 10/31/24).  Thank you.

    • Initial Complaint

      Date:11/04/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ************** Innovations. I do not have a contract with Credit Service International Corp, they did not provide me the original contract as requested.

      Business Response

      Date: 11/04/2024

      Credit Service International Corp (CSI) received account placement for collection 4/24/23. Initial notice was sent 5/2/23 to the same address as listed with this inquiry; no returned mail received. Our office has received no requests prior to this inquiry. Our office will request validation of debt from the creditor and mail via **** once received. Should SD have any questions, our office can be reached at ************, Monday through Friday 8am-5pm CST.

    • Initial Complaint

      Date:10/28/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      To Whom It May Concern, I am writing to dispute the collection efforts on my account with ********************************************************************* Corp due to violations of the Fair Debt Collection Practices Act (FDCPA). As a concerned Black woman and a consumer, I have the right to fair and lawful treatment under federal laws. I am particularly disturbed by what appears to be aggressive and illegal collection tactics that have been deployed in my case, which may reflect underlying systemic biases in the treatment of consumers like me. Upon review of the collection practices associated with this account, I have identified violations of the ****** specifically Sections 806 and 807, which prohibit harassment, abuse, and the use of deceptive or misleading representations in collection attempts. For instance, I have been contacted repeatedly at inconvenient times and have received threats of legal action, which not only misrepresents the creditor's rights but also causes undue stress and anxiety. The case of ***** v. Credit Bureau, ***** 760 F.2d 1168 (11th Cir. 1985) establishes that any false representation or coercive behavior in debt collection violates the ****** and I believe the actions taken by Credit Services International Corp are consistent with this precedent. Furthermore, in ****** *. *******, 514 U.S. 291 (1995), the Supreme Court affirmed that all parties involved in debt collection must adhere strictly to the *****. Given these precedents, I am formally requesting that Credit Services International Corp cease all collection activities on this account and remove any adverse entries related to this debt from my credit report immediately. Please provide confirmation of your compliance with this request within 30 days. If I do not receive satisfactory evidence of action taken to correct this issue, I will have no choice but to pursue further legal remedies to protect my rights. Thank you for your attention to this urgent matter. Sincerely,**** ****** ********************

      Business Response

      Date: 11/04/2024

      Credit Service International Corp (CSI) acknowledges receipt of a cease request and refusal to pay. This request will cease calls and collection notices. A cease or refusal to pay does not cease credit reporting. Credit Service International Corp (CSI) received account placement for collection 10/11/23. Initial notice was sent to the same address as listed with this inquiry; no returned mail received. Our office had received this same inquiry made to the ************************************ (****) around the same date. No other requests or communications from ** had been received prior to the **** inquiry.  The inquiry and/or attachment with the inquiry also includes a request for validation. Validation received from the creditor was attached to the **** response submitted 11/4/24, listing account information and balance submitted to bad debt/collections. Should RW have any questions, our office can be contact at ************, Monday through Friday, 8am-5pm CST

    • Initial Complaint

      Date:10/24/2024

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liability for this collection debt with Credit Service International Corp. I do not have a contract with Credit Service International Corp; they did not provide me with a original contract as required.

      Business Response

      Date: 10/28/2024

      Credit Service International Corp (CSI) received account placement for collection 11/28/2022. Initial notice was sent 12/5/2022; no returned mail received.  CSI received communication prior from TF.  In response, validation of debt was mailed 7/8/2024 and 9/18/24; no mail return received.  ********** will mail again to the address included with this inquiry.  Should TF have any questions, our office can be reached at ************, Monday through Friday 8am-5pm CST.

      Customer Answer

      Date: 10/28/2024

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

      I am not satisfied with the business response because I have made numerous of attempts to get this collection verified as a response I wa denied the answers and documents showing proof of this collection. This is a violation of the Fair Credit  Reporting Act, and Im requiring this collection be deleted immediately due to failure to provide proper evidence. This has been going on for 89 days in counting. I have NEVER received any mail attempting to verify this collection debt ; so once again, this company is providing false information that continues to cause issues in my day to day life. Requiring immediate deletion of this collection. This collection is violating my privacy,  HIPPA Law, and  15 USC 1681EB.

      ******* *******

      Business Response

      Date: 10/28/2024

      Credit Service International Corp (CSI) received account placement for collection 11/28/2022. Initial notice was sent 12/5/2022; no returned mail received. CSI received no communication from TF until 6/10/24.  In response to the correspondence received 6/10/24, validation of debt was mailed 7/8/24.  On 9/16/24 we processed an email request, mailing validation of debt a second time 9/18/24.  With this inquiry, TF is providing a different address than included with the two prior requests; our office will mail validation to the address included with this inquiry.   TF may also access validation online at **************.  For any questions, our office can be reached at ************, Monday through Friday 8am-5pm CST.

      Customer Answer

      Date: 10/29/2024

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.




      I will ONLY ACCEPT this collection agency verification of this alleged  collection from Credit Service International Corp if they can send it within the next 7 days. Providing me with the original contract bearing my signature. The itemized bill with "plain language descriptions" of the services provided. And a copy of the letter I provided giving permission to report on my credit reports. Oh else as previously stating I request that this alleged collection be DELETED from my credit report immediately for: illegally reporting on my credit profile. For violating my privacy and HIPPA Law. Illegally reporting on my credit profile. According to the Fair Credit Reporting Act(FCRA) Section 605B. It is illegal to report information on my credit report without my permission. 

      Regards,

      ******* *******

    • Initial Complaint

      Date:10/10/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with CRDT ************* nor do I have a contract with them. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information it has come to my attention that/CRDT ************* illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

      Business Response

      Date: 10/10/2024

      Credit Service International Corp (“CSI”) received account placement for collection 12/19/2022. Initial notice was sent 12/27/22; no returned mail received. Our office will request validation of debt from the creditor and mail via USPS once received. Should AC have any questions, our office can be reached at 866-844-2358, Monday through Friday 8am-5pm CST.

    • Initial Complaint

      Date:09/22/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This account was added to my credit report without my written permission. I never received any debt validation regarding this account, I dont even believe this account belongs to me. The original creditor is listed as *********** which i have no record of doing business with. This collection agency just bought this account without proof this belongs to me and is affecting me financially by placing erroneous information on my credit report. Unless they can provide written proof that this is my account. it must be removed from my credit report.

      Business Response

      Date: 09/23/2024

      Credit Service International Corp (CSI) received account placement for collection 5/19/23. Initial notice was sent 5/25/23; no returned mail received. Our office has received no requests from ER prior to this inquiry. Our office will request validation of debt from the creditor and mail via **** once received. Should ER have any questions, our office can be reached at ************, Monday through Friday 8am-5pm CST.

      Customer Answer

      Date: 09/23/2024

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
      Again, I have never received any debt validation, I have no idea who the original creditor is. I need to see documentation of the original contract and proof this belongs to me or the item must be removed from my credit report.

      Regards,

      ******* ********

      Business Response

      Date: 09/24/2024

      As stated in the original response, Our office will request validation of debt from the creditor and mail via **** once received. Should ER have any
      questions, our office can be reached at ************, Monday through Friday 8am-5pm CST.  Thank you

    • Initial Complaint

      Date:08/27/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with CREDIT SERVICE ********* I do not have a contract with ****** FAMILY CHIROPRACTIC they did not provide me with the original contract as I have requested.

      Business Response

      Date: 09/03/2024

      Credit Service International Corp (CSI) received account placement for collection 1/18/22. Initial notice was sent 1/25/22. Our office will request validation of debt from the creditor and mail via **** once received. Should MO have any questions, our office can be reached at ************, Monday through Friday 8am-5pm CST.

    • Initial Complaint

      Date:08/26/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Original contract from Credit Service Corporation International was requested but the company hasnt been able to provide me with any information including account number. I have now nor never signed a contract with Credit Service Corporation International therefore I should not be liable for this debt.

      Business Response

      Date: 09/03/2024

      Credit Service International Corp (CSI) received account placement for collection 2/22/24.  Initial notice was sent 2/27/24; no returned mail received.  On 8/27/24, our office received an inbound call from PY's insurance representative.  Information received from the representative was forwarded to the creditor.  Due to possible insurance coverage for this charge, our office is submitting a removal request to the credit bureaus with our next submission (on/after 9/10/24); please allow the credit bureaus up to 30days to process the removal request.  Validation of debt was requested and mailed 9/3/24 along with notice that the account is currently on hold pending insurance billing.  Should PY have any questions or to receive an account status update, our office can be reached at ************, Monday through Friday 8am-5pm CST.

    Credit Service International is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.