Credit Systems International, Inc. (CSII) is a Texas-based collection agency that collects for healthcare providers, utilities and government entities. A CSII notice usually concerns a medical bill, a utility balance or a government charge placed with it for collection.
- Type
- Collection agency
- Also known as
- CSII; Credit Systems Intl, Inc.
- Headquarters
- Fort Worth, TX
- Collects
- medical bills, utility bills, government accounts
- Phone numbers it lists
- (866) 410-5335, (866) 410-3839, (817) 381-4688
- Website
- creditsystemsintl.com
1,405 debt collection complaints were sent to the Consumer Financial Protection Bureau about Credit Systems International, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Credit Systems International?
Credit Systems International, Inc., often shortened to CSII, calls itself a nationally recognized accounts receivable management firm. Its website says it was founded in 1980 and is headquartered in Fort Worth, Texas, and it uses a mailing address of P.O. Box 1088, Arlington, TX 76004. Its Better Business Bureau profile lists an incorporation date of June 26, 1992, and the alternate names CSII and Credit Systems Intl, Inc.
CSII's published disclosures list licenses or registrations in several states, including California (10871-99), Connecticut, Maryland and Oregon (NMLS ID 1671989), North Carolina and Minnesota, plus a Colorado office in Montrose. So although it is a Texas company, its letters reach people in other states too.
Why Credit Systems International May Be Contacting You
CSII says it serves the healthcare, utility and governmental industries. For most people, that means a CSII letter or call is about a hospital or physician bill, an unpaid utility balance, or a fee or charge owed to a public entity. It offers payment by phone and online, and texting JOIN to 89474 signs a number up for account text messages. The company also states on its website that it does not correspond by email, which is worth knowing if you receive an email claiming to be from CSII.
CSII publishes separate English and Spanish lines: (866) 410-5335 and (817) 381-4688 for English, (866) 410-3839 for Spanish, with office hours of 8 a.m. to 5 p.m. Central on weekdays.
How to Check a Debt Credit Systems International Says You Owe
Medical and utility balances are the most common sources of errors, so ask for detail before you pay.
- Read the validation notice. CSII must give you a notice naming the creditor, itemizing the amount, and stating the deadline to dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing before the deadline. For a medical account, ask for the itemized bill, dates of service and the insurer's explanation of benefits. For a utility, ask for the service address and final meter reading.
- Ask who the creditor is now. Most agency accounts still belong to the original provider, but you may ask whether the debt has been sold.
- Check for insurance or deposit credits. Unapplied insurance payments and utility deposits are common reasons a balance is too high.
- Consider how old it is. Texas generally sets a four-year limit to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue after it runs (Tex. Fin. Code § 392.307). Limits differ in other states.
What Credit Systems International Can and Can't Do
CSII collects for others, so it is a "debt collector" under 15 U.S.C. § 1692a(6) and must follow the FDCPA and Regulation F. As a Texas third-party collector, it is also subject to the Texas Debt Collection Act and its bond requirement (Tex. Fin. Code ch. 392). Some specifics:
- A Texas health care provider must send an itemized bill before pursuing collection; see our update on Texas SB 490.
- Credit bureaus no longer include paid medical collections or medical collections under $500 on credit reports (details here).
- It may not call more than seven times in seven days about one debt without being presumed to harass (12 C.F.R. § 1006.14(b)(2)).
- It may not threaten action it cannot legally take or does not intend to take, or misstate the amount owed (15 U.S.C. § 1692e).
Read whether collection agencies must be licensed in Texas, or see our Texas FDCPA attorneys page if a CSII contact concerned you.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Credit Systems International, Inc. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Credit Systems International: home page
- Credit Systems International: state disclosures and licenses
- BBB business profile: Credit Systems International, Inc. (founding, incorporation and alternate names)
- CFPB Consumer Complaint Database: Credit Systems International, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Credit Systems International, Inc. has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.