To begin with, they state on the call prior to conversation I must say that this is a debt collection agency in an attempt to collect a debt, any and all information will be used for that purpose. You will see why I preface this before explaining why this company should be reviewed as an unethical institution.A few months back I received a notice of an unpaid medical bill that was referenced to a credit agency. I contacted them to dispute the claim as this was to be covered by insurance. I provided my information, as well as my insurance information (as all information collected is to collect on a debt.) I explained that they needed to contact the insurance company and resubmit the claim.A few weeks later I receive another notice that I was still in collections. I contacted Credit Systems again, providing my information, with rude staff (Charles,) and was notified that they had submitted the information and they didnt have anything further to state. I ended up contacting the originating medical office, where I had them process the insurance because I had a feeling that the information was not being carried over to them from Credit Systems.The insurance was processed and the claim was voided, where I had to do what the Credit Systems was supposed to do, collect on the debt with the information provided to them.I do not typically write reviews, but this company does not want to collect on debt, they want consumers to pay on amounts owned that could be due from other entities (such as insurance not being processed properly.) They do not want to do the work to collect on debts, they want to call consumers and have them pay for the debts that are to be solved through other methods. My account was only $40.00, but I am tired of the businesses not doing what it takes to collect on debts, instead assume the debt is always owed by the consumer.

I know its odd to thank a Debt Collector... But I am. THANK YOU!!! Kathy at credit systems you have been nothing but informative, helpful and kind in getting me though this debt. It was a joy to call you today and make my final payment.

Just what I needed with my morning coffee brisk and frank! 5 stars would absolutely pay another bill with them!

1 star cause who likes debt collectors with their hands out!?

This company is very unprofessional. The location manager hung up after I requested 2 copies of my debt. Everyone has an unprofessional tone and attitude. They didnt want to explain how the debt started and have no idea why the bill got so high. They claim to have sent notices through the mail and they never showed up in my mail. The manager and team also refused to give me a corporate number. This is a team full of rude people who probably couldnt even do the simple customer service of mcdonalds.

If I could rate a -0- I would. After years on my record and now only having SSDI I called to try to arrange a settlement or payment arrangement. There was no compromise or flexibility. No agreement could be made so I will do what I can. Not a helpful, workable company. Understanding and appreciation on their part would result in them collecting more than they do. They are the reason credit collectors get the bad reputation that they do.

Wow, Im not sure what else to say! I am a 100% Disabled Veteran who served for 23 years. As such Ive earned my medical benefits which are managed by Health Net as the TRICARE Support Contractor. I had services provided for orthopedic care for which the practice continuously filed claims for as if I was a medicare patient. As a result they were not getting paid what they should have and decided to come after me. This is where credit systems comes in! Out of frustration and to stop the harassment from them I wrote a check and paid the practice directly. I called credit systems and spoke to Cathy who was very nice. I gave her the check number and the date it cleared my bank back in June. She stated she would verify that it was taken care of and if I did not hear back in a couple of days to call back. This is where it gets fun! I called back today and a Teresa answers the phone. Right of the bat she is loud, obnoxious and extremely unprofessional! She proceeds to contradict everything I tried to tell her, continuously cutting me off in the process! She then states, I guess Ill just take it upon myself to contact the client to confirm payment has been made, then she hangs up on me. When I called back and asked for a manager she placed me on hold for some time and upon returning tells me she is the manager! I stated that she could not be, that there has to be someone above her and when she asked me why I thought that I told her that a manager would know better than to treat people the way she did. She gave me an extension to call back to and explained that when I asked for the manager they would simply transfer me back to her! Im not sure what she thinks entitles her to talk to anyone that way! She most likely lives a sad pathetic little life and lets it affect her interactions with others. Come on lady as a manager you of all people should know to leave that at the door when you show up to your job everyday! I truely hope things get better for you. You have my sympathy!

While on the phone trying to get my information, the woman I was speaking to, I believe her name is Diane, kept interrupting me. I had to interrupt her to be able to speak. I do not appreciate or my time being wasted by interrupting me. I feel as if she tried to blackmail me, by saying if I would pay in full by the end of the month it would be cleared from my report. If I could I would not give any stars. She was very rude and had no manners. I hope this reaches the people above her.

Charles (I believe), was extremely quick and professional. It is never a fun time when you call to pay off a debt but the call was less than 2 minutes long and taken care of with a confirmation number for my records.

Family run organization and a bunch of crooks! And no I am not someone who does not pay their debt. We were sent to them with a misunderstanding from a medical provider and they refuse to assist us only threaten and had to hire an attorney

First off it is my fault for having to contact them. Cathy was very professional with the way she had to handle the calls. Got it taken care of fast with no issues.

I use this company for my collections accounts and they are great! The customer service they provide is excellent. Their collection rate is outstanding. Ive been using this company for over 15 years and have never once had a complaint. I highly recommend them!

The workers for Credit Systems Inc. are very rude and dishonest workers. I called and spoke with a guy by the name of Peter who is very dishonest with the questions I had. After speaking with him, he reported my information back to Equifax again and had my score to be reduced two days later. This is the only negative mark on my account but I will not be disrespected by somebody who is on a power trip. You will not get far in life with your nasty work ethics. Enjoy your tough man conversation over the phone jerk. I will not be paying this company a dime. My rating for this trade name is no stars but it’s setup to give one star in order to post.

Would give this company neg star rating if it was at all possible. Rudest people ever. Agent called my number asking for my son. When I informed them they had the wrong number could I please take their information and forward it to my son. The agent got very demanding for his information, while simultaneously refusing to give even the company name. Claiming it was private information. It all seemed sceptical to me, and I am very cautious as to giving out anyones personal information without knowing to whom I am giving it to. Politely explaining this to the agent, did not result in anything but demonstrative attitude and a tirade of how she was not giving out the company name or number. I was finally able to get the company name, but she flat out refused a call back number. All the while raising her voice and treating me with absolute disregard and disrespect. When I looked up the number and called back asking to speak with a supervisor, it became very obvious she gave not on care how her agent behaved. Seriously repugnant behavior and attitude from this company and its employees, NOT at all warranted or necessary.

Urgent Surgical Services made an error of not having a correct address and failing to reach out (which I actually have a recording of them admitting to as well) before sending my account to collections. They were missing my condo number, yet had my phone number and could have called at any time to confirm before sending me to collections. I had insurance to cover the horrific accident I was in last year, and at no time did I refuse to pay, but I was unaware of there even being services from this provider and then when made aware the proper channels or going through insurance and then submitting payment for a remainder amount were not taken…I had to deal directly with the Credit Systems Inc. even though my account ended up there on no accord of mine.The first time I spoke with an individual named Charles from Credit System Inc. I told him I was at work and if he could give me his information I would call him back. He kept rambling on and would not respect that so I hung up on him. The next time when we spoke I told him that I did not receive any bills from the previous company or Credit Systems Inc, he told me that maybe I needed to take it up with my mailman (I confirmed with Urgent Surgical Care that they, in fact, did not even have my correct address…and he could not provide any proof as to sending. If I don’t receive it the first time and you know this, why would one not send it certified mail to affirm I am not lying, or e-mail it as I did e-mail on 1/30 and never even received a response back?). I have still yet to receive anything from Credit Systems Inc. offices until I requested an e-mail today with the statement. Then, when I went to call to make the payment, Charles pretended he could not hear me until I used profanity, which he then heard me crystal clear and told me that I had to communicate via e-mail or writing only. After Charles refusing to assist me I was able to speak with a gentleman named Peter Sablan who was very helpful and took my payment without further issue.

I also would give negative stars if i could, woman was very rude, interupted me 4 times then said she wasnt trying to be disrepectful. And unwilling to listen to my question

The worst company Ive ever dealt with. This is a prime example of why the poor get poorer. I have a false judgement against me and a false collection placed against me by this company. They said I missed my court date but I was giving birth during a high risk pregnancy. Because I missed this court date, they raised my debt from $238 to $1038. I asked them to help me and they wont help. They said Ive had ample time to fix the judgment. I havent had ample time. My son has developmental disorders and I work full time. I told them that and they laughed at me. Ive never been treated so poorly by a company. I feel bad for them, I wouldnt be able to sleep at night in their business.

All the customer service reps Ive had the displeasure of speaking to have been rude and unprofessional including supervisor Theresa.

Tried to call in and pay a 68.00 collections that I acquired after a divorce. There are 3 people that work here. A secretary, the Legal Manager and the supervisor. You will have to talk to the legal manager if you try to pay off your debt. Her name is Teresa Davis. She is the most incompetent, rude, condescending and unprofessional Legal Manager I have ever met in my entire existence. You will not be able to pay off your debt and have them remove it from your credit report because they get referrals anytime anyone accesses your credit report. You will be talked down to as if you are a worthless loser of society and you will not get any help from the Supervisor. I have already left a review with the BBB and I will do whatever I can to ensure every one knows how worthless this organization really is.

Anna Marie is extremely difficult to work with and unwilling to give me any information as to what the next steps are. I am working with my insurance group to correct the claim that was written off to this company but she was completely useless to me and one of the insurance reps that called on my behalf. I realize this is a collection agency so theyve heard it all when it comes to why they havent received payment but come on, work with me here. Nobody likes working with a jerk

Will not budge or compromise on anything.. They counter settlement offers with full amount. Adds interest to accounts when not provided for in original account terms.

This collection agency needs shut down! This agency has been charging me fees, marking my credit report, charging me interest, and calling my WORK before ever getting in contact with me! They say leaving a voicemail is not permitted! Uhm im pretty sure you can find a way to say a collection agency is trying to contact someone at that number in a voicemail without disclosing ANY confidential information! Also while dealing with agent Charles Jordan on the phone I was told I could not make a payment for less than $75 (Mind you, this number was pulled out of thin air and their website states clearly that the minimum payment is $10.)! When I asked why this was the case he did little in explaining why so I asked for supervisor Peter and was given the same BS answer. All this over a $200 bill from an emergicare! 25 years old never had a late payment on any bills I KNEW I HAD, never had any negative inquiries on my credit report and never have needed a credit card but got all 3 thanks to these people. Try a little harder to be professional and help people you scammers.

Paid off a dept-90 days ago-and they said they will remove this from my credit information. Guess whats still there 90 days later, AFTER being paid in full? The debt still shows after being paid off totally.

Crooks... They never gave me any deadline when I needed to pay by. They just served me a summons and forced me to pay their lawyer for doing nothing. I would have paid it eventually and would have worked with them but they didnt even try. Greedy bastards. Nice Christmas present, having to pay them $350 for nothing. This is not the way to help people down on their luck.

Extremely unprofessional. The lady raised her voice at me for simply inquiring about details. She also kept placing me on hold.....

Extremely unprofressional and rude people. Mocked me for mentioning my special needs child. This company does not care about military members or the laws that protect them. They should not be allowed to do what they do. It will be stopped.

Extremely unprofessional people. I get a missed call from this number and call back. They keep asking me for all kinds of personal information, which I am not going to blindly give to random people who call me, you know? The lady gets downright nasty with me, and starts screaming at me that if I am not serious about this, to hang up then she hangs up on me...I am rather confused at this point and call back, the next lady that answers starts probing me for my address and name and other information. I again tell her that I am not giving personal info over the phone, and I want to speak to a person in charge. She tells me I am playing games and then hangs up on me just as I am trying to tell her to take me off their call list.I call back a third time and immediately state I am recording the call and to please take me off the call list. I am immediately transferred to a manager, who I give my number and kindly ask to remove me. She starts asking to verify my information when I tell her again to take me off the call list, and if they need to contact me, to please send me mail. She tries saying they do not have my address, even though the earlier lady had mentioned it.I have no clue who these people are, but I do not owe anyone money, so I do NOT appreciate the drive by harassment they are dispensing to random people.If they call me again, I am calling my lawyer.

I had a balance with a dentist that was sedning a bill to a wrong address for awhile and I never evern recieved one. They sent it to collections. I got a notice and of course was fuming! I called them and was very rude to be honest. Once I went back to dispute and take care of my debt (which was a long time later) they were very helpful. They stood their ground, as they must to collect debt but she was nice and even helped me with some of the interest charges. I always pay my bills, even if it has to be in payments so I dont deal with collectors much but I would bet they are not all very nice or happy doing they jobs they have to do~ in my opinion most people are a pain in the ass, especially to collect money from. Thank you for Credit Systems Inc for being so professional and understanding!!

Mysteriously lost my bank account information so regularly scheduled monthly payments were never made. Got a summons and instead of owing them $200, I now owe them $1,000. Its crazy how they can take a persons account info and then lose it so I have to owe them more money. Bunch of scammers.

Omg . Worst ever people . They should be banned for ever by the state commissioner.

Very rude, and unprofessional people. Wish I never had to deal with them.

Served paperwork to appear in court after court date.does that sound ethical? Have proof as I have a security system at my house that recorded the whole thing which is time stamped. They violate the law when they do this and do it knowingly.

These people put me in collections after I let them know I was in an accident and they would be paid after the settlement . The lady Theresa, the supervisor is a joke, very very rude . UNPROFESSIONAL PEOPLE . HOW DO THEY SLEEP AT NIGHT

Very rude, unprofessional and unwilling to workout a payment plan.

These people are massive piles of feces. They went after my wife for my debt.

Dont know why they are always trying to get a hold of me I do not owe them, I have know clue what this is about

Horrible company, but what would you expect from a bunch of bottom feeders.

Blatantly ignoring prior request to discontinue calling my personal cell phone.

Extremely Liar