Credit Systems of the Fox Valley Inc or CSFV is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
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What is Credit Systems of the Fox Valley – CSFV?
Credit Systems of the Fox Valley or CSFV is a third-party collection agency based in Wisconsin. CSFV has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as improper contact or sharing of information and attempting to collect debts not owed. If you have been contacted by Credit Systems of the Fox Valley, understand your rights before responding.
According to the Better Business Bureau (BBB), Credit Systems of the Fox Valley, Inc. was incorporated in 1931. The BBB established its profile page in 1992. CSFV is listed as a collection agency. Buzzfile estimates CSFV’s annual revenue at $1.2 million, and the size of its headquarters staff at 20 people.
According to its website, Credit Systems of the Fox Valley “is a unique debt recovery agency with qualified agents ready to take control of your past due accounts.” CSFV “provides a full range of collection and related services to a wide range of clients.”
Their website does not provide a lot of detailed information about their business practices, simply stating that they “provide unparalleled service through quality employees, customer service, management, internet access, and state-of-the-art technology.”
They cite affiliation with several professional organizations, including the American Collectors Association; the Wisconsin Collectors Association; the Wisconsin Medical Credit Association; the Wisconsin Clinic Credit Managers Association; the Health Care Services Program; the Associated Credit Bureaus, Inc.; the Associated Credit Bureaus of Wisconsin; and the Chamber of Commerce and Industry. However, they do not provide any links or references to consumer protection resources, laws, or enforcement agencies.
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 Systems of the Fox Valley?
The BBB has closed 3 complaints against Credit Systems of the Fox Valley in the past three years, with 2 closed in the past 12 months. All of those complaints alleged problems with billing and collections. Since October 2015, the Consumer Financial Protection Bureau (CFPB) has received 5 complaints about CSFV. Justia lists at least 2 cases of civil litigation involving CSFV.
Can you help me file a No Fee Lawsuit against Credit Systems of the Fox Valley Inc?
Absolutely. Here are some Sample Cases against Credit Systems of the Fox Valley Inc – CSFV.
Complaints against Credit Systems of the Fox Valley often cite problems resulting from failure to communicate. In August 2016, a complainant indicated that that she had discovered a delinquency on her credit report while attempting to secure a home equity loan. Upon calling CSFV, she found the delinquent item resulted from medical treatment she had received two years earlier. She paid the past due amount in question, but protested that the delinquency had been on her credit reports for two years without CSFV having notified her of any collection activity. In response, a Credit Systems of the Fox Valley representative indicated that they had tried to contact her in March 2015, but claimed not to have had a valid phone number. Although Credit Systems of the Fox Valley confirmed that they had been unable to contact the complainant by phone, they insisted that they had sent two collection letters that had not been returned by the postal service.
In January 2017, a complainant indicated she had been receiving “harassing hang up style phone calls for nearly a year… from various workers at” CSFV. The complainant alleged that CSFV “will not stop these hang up calls, sometimes up to six times a day or more.” The complainant further alleged that she had attempted to contact CSFV to request that the phone calls stop, but the representative she had spoken with hung up on her. She assesses CSFV’s practices as “harassment…and a terribly dishonest way of representing your business…especially when I do not owe them money, as is the case here.” In response, CSFV merely stated that they “have business… to discuss with the complainant and have made several attempts over the months to make” contact. They also indicated they had made contact in the past, most recently in December 2016, when a female answered their phone and would not identify herself … leaving us no recourse but to end the call.” CSFV insisted they had found no evidence the complainant had ever called. Credit Systems of the Fox Valley indicated they would cease attempts to contact the complainant by phone, but insisted she should contact their office at her earliest convenience.
Credit Systems of the Fox Valley, Inc. 630 South Green Bay Road Neenah, Wisconsin 54956 Telephone: (920) 722-4941 Website: http://www.csfv.net/
Credit Systems of the Fox Valley Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Want to Stop Credit Systems of the Fox Valley Debt Collection Harassment Now?
Your debt harassment checklist:
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 friends, neighbors, or coworkers
Collectors are threatening you with violence, a 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
“When I first contacted Lemberg Law, I was at my wit’s end, not knowing what to do or how to protect myself against the collection agencies. I felt like I was sinking. After sending in my case evaluation, Lemberg Law quickly threw me a lifeline and turned the tide.”
“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls ended and were super considerate when I spoke together. I love the hard work!”
“I am so blessed that during this dreadful, frightening encounter, your company was there to help me. I can not thank you enough.”
Want to Stop Credit Systems of the Fox Valley Debt Collection Harassment Now?
We can absolutely help. Call us today.
Can You Help Me Delete Credit Systems of the Fox Valley from My Credit Report?
The short answer is yes. Contact us now to find out more.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.