Debt collection
Credit Systems International: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 60
- Closed with money back
- 0
- 2023 to 2025
- 18 to 31
Credit Systems International received 1,034 complaints from everyone in the window; 60 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0 of the 60 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 18 in 2023 to 31 in 2025.
What the complaints are about
By product
| Debt collection | 47 |
| Credit reporting or other personal consumer reports | 8 |
| Credit reporting, credit repair services, or other personal consumer reports | 5 |
By issue
| Attempts to collect debt not owed | 29 |
| False statements or representation | 9 |
| Incorrect information on your report | 7 |
| Took or threatened to take negative or legal action | 5 |
| Improper use of your report | 4 |
| 2023: 18 | 2024: 11 | 2025: 31 |
Which accounts, specifically
| Other debt | 20 |
| I do not know | 17 |
| Credit reporting | 13 |
| Medical debt | 12 |
What went wrong, specifically
| Debt is not yours | 20 |
| Debt was result of identity theft | 9 |
| Attempted to collect wrong amount | 9 |
| Account information incorrect | 3 |
| Credit inquiries on your report that you don't recognize | 3 |
Busiest month: November 2025, with 6 servicemember complaints. Most were submitted by web.
Most complaints came from TX (34), GA (5), AE (4) , then AL, MS, NY.
How Credit Systems International answered
| Closed with explanation | 60 |
Credit Systems International responded within the CFPB's 15-day window on 95% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Took or threatened to take negative or legal action. TX, 2024-08-20. Outcome: Closed with explanation. Complaint 9861522
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Debt collection; Attempts to collect debt not owed. TX, 2024-08-06. Outcome: Closed with explanation. Complaint 9722608
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Debt collection; Attempts to collect debt not owed. TX, 2024-07-26. Outcome: Closed with explanation. Complaint 9666370
If this is your problem at Credit Systems International
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Colony Brands 60 servicemember complaints; 0 with money back
- Aargon Agency 59 servicemember complaints; 0 with money back
- Bounce Ai 59 servicemember complaints; 0 with money back
- Bth Management 62 servicemember complaints; 0 with money back
- Continental Services Group, Inc. d/b/a ConServe 62 servicemember complaints; 0 with money back
Next in the directory by volume: Foris Dax.
Frequently asked questions
How many complaints did servicemembers file against Credit Systems International?
60 complaints tagged servicemember were received by the CFPB about Credit Systems International, Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 18 in 2023 to 31 in 2025.
What do servicemembers complain about most at Credit Systems International?
Debt collection accounts for 47 of the 60 complaints, and the most common issue is "Attempts to collect debt not owed" (29). Next: "False statements or representation" (9).
Does Credit Systems International give money back when a servicemember complains?
0 of the 60 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 60 closed with an explanation only. Credit Systems International answered 95% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.