Credit Service International Collections Complaints?

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Credit Service International

Credit Service International is a debt collection agency which often receives consumer complaints for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is Credit Service International?

Credit Service International is a debt collections agency based in Hudson, Wisconsin. It appears as though there are a variety of different complaints against CSI alleging violations of the Fair Debt Collection Practices Act (FDCPA), including a lack of response to debt verification requests and falsely reporting damages owed. If you have been contacted by this debt collector, make sure you understand your rights before taking action.

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Is Credit Service International a scam?

They’re legit. Credit Service International is a legitimate collections company, so do not ignore the need to resolve your debt. CSI or Credit Service International was established in 1962 and operates out of ten different locations including: Duluth, MN, Brainerd, MN, St. Paul, MN, Fergus Falls, MN, Hudson, WI, Perham, MN, Rice Lake, WI, Rochester, MN, Eau Claire, WI, and Marshall, MN. The company has a total of 51-200 employees according to its LinkedIn page and is lead by CFO John Erickson. Additionally, Credit Service International is currently not accredited by the Better Business Bureau and has received a B+ rating. The company claims, according to their website, that they are the provider of revenue retrieval for hospitals, medical practices and dentists, chiropractors, auto dealerships, finance companies, as well as banks and real estate, though they claim this is not an exhaustive list of clients. Credit Service International boasts that they treat every collection professionally and have also returned millions of dollars to their clients. The company also notes, according to the CSI webpage, that their success rate with troublesome debtors is twice that of the industry average. According to, Credit Service International itself has also earned a revenue of $2.1 million dollars quarterly in 2020.

Who does Credit Service International collect for?

Credit Service International is a collections agency based in the Midwest that specializes in debt collection within the healthcare field while working with an additional variety of outside beneficiaries. Therefore, the debt which you may have been contacted about could pertain to medical billing or debt owed from these alternative categories (auto dealerships, finance companies, as well as banks and real estate). Credit Service International uses an “easy-to-switch-to and easy-to-use system collections process” which essentially means that their process should simplify the process of resolving debt for the client and their administrative staff. Credit Service International argues that when clients pursue their services, they are likely to gain revenue and resolve these outstanding debts by taking an alternative approach.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against Credit Service International?

While rated Credit Service International with a “B+”, it did not accredit the business. In fact, Credit Service International has received 4 complaints closed in last 3 years according to the BBB. A majority of these complaints included complaints about false credit reporting, harassment via telephone, failing to validate debts, and missing documentation. While Credit Service International tends to be very responsive to these claims on the BBB website, there seems to be reoccurring complaints based upon allegations of fraudulent practices. Additionally, Credit Service International has received one, 1 star review on Wallethub as well as five reviews on Google Reviews, amounting to a total 1.8 star rating on the website.

Contact Information

Can Credit Service International Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. If Credit Service International knows you do not owe the debt that they have contact you about or cannot verify the debt, it is likely that they will choose not to sue you. However, debt collection agencies will often summon debtors to court and garnish wages after a default judgement. In order to prevent this from occurring, it is best that you contact an attorney preemptively. By contacting a licensed attorney you ensure greater safety of your assets and rights. Call Lemberg Law today to learn how about we have helped thousands of consumers fight back against these cases of fraudulent collection practices, and how we may be able to assist you in your case.

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Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Credit Service International?

Yes, we would love to help. You can sue a debt collector. Here is a sample complaint:

A complainant received a call from Credit Service International. The complainant had discovered a bill of $30 which was a result cancelling a policy after being over billed with company represented by Credit Service International. The complainant explains that they, “had not received any correspondence until January 8th by phone for the first time”. It was after this time that the complainant requested, “to be emailed or faxed information proving who this company was” and was told that they could not send any information. The complainant then paid the fee requested and called CSI to verify the payment. The representative told the complainant that, “nothing would be reported to the Credit Bureau if the payment was made”. After the payment and the prior discussion with CSI the complainant’s account was still sent to the Credit Bureau. The complainant would like this reporting immediately removed. Credit Service International, “made several excuses as to why this information was sent and would not take responsibility for what was done”.

Credit Service International Calling You?

You can protect yourself by familiarizing yourself with the Fair Debt Collection Practices Act, which outlines a person’s protections against the abuses and misconduct of collection agencies. These rights are listed on the Federal Trade Commission’s website under “Debt Collection FAQs”. You are additionally protected from the malpractices of debt collectors through the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Can I sue Credit Service International for harassment?

Yes, you absolutely can. Suing is the correct course of action to ensure that you are able to recover your damages and protect yourself as an individual. By utilizing the Federal laws which protect citizens like you from these fraudulent practices, you award yourself the ability to defend your rights and receive compensation. If you feel as though your rights have been breached, you have the potential to sue. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.

Want to Stop Credit Service International Debt Collection Harassment Now?

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“I got professional and timely response and settlement. My case was regarding a threatening collection agency on an apartment after vacating fees which were all paid. Company looking for some extra fees which did not exist. Great Law Firm Very helpful!”

“Lemberg law represented my privacy rights in relation to misconduct on the part of a collections agency. The Lemberg staff was very professional and thorough and did an excellent job with my case. I give them a 5 star rating.”

“A pleasure being represented by Lemberg Law LLC . I have used their services before with the same professional results. A well deserved 5 Star recommendation.”

“Awesome law office. They are very professional. They go the extra mile for you and give you the truth about your case. They filed a lawsuit on my behalf and I was able to get a settlement of over $20,000.00, after their fees.”

Can You Help Me Delete Credit Service International from My Credit Report?

Yes, absolutely. Call us today.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

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