Free Help for Credit Systems of the Fox Valley (CSFV) Harassment

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Credit Systems of the Fox Valley (CSFV)

Credit Systems of the Fox Valley is a debt collection firm which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.

What is Credit Systems of the Fox Valley?

Credit Systems of the Fox Valley is a debt collection business based in Neenah, Wisconsin. It appears as though there are a variety of different complaints against Credit Systems of the Fox Valley alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as failing to record payments of debt and harassing consumers. If you have been contacted by this debt collector, make sure you understand your rights before taking action.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

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Is Credit Systems of the Fox Valley a scam?

They’re legit. Credit Systems of the Fox Valley has practiced collections for roughly 90 years. The business was incorporated on July 11th, 1931 and its BBB file was opened on October 9th, 1992. Though Credit Systems of the Fox Valley has not been accredited by the Better Business Bureau, the company has received an impressive “A+” rating from the BBB. It is due to the company’s many years of experience, and its outstanding rating from the BBB that Credit Systems of the Fox Valley can be considered a real, legitimate business. Consumers should be aware that Credit Systems of the Fox Valley is not a scam.

According to the Credit Systems of the Fox Valley website, “Successful collection requires communication; our professional debt collectors assume the role of “credit counselors,” finding solutions to the problems while stressing the importance of meeting the obligation. Many complainants did not receive effective and timely debt communication from Credit Systems of the Fox Valley and allege that these practices are both unethical and illegal. Lastly, According to the company has an employee base of 19, and revenue of $4 million. The leadership of the collections company is headed by Mr. Patrick D. Rohrer, President, and Miss Holly Nissen, Director of Operations.

Remember that while it is important that you do not ignore the need to resolve your alleged debt with Credit Systems of the Fox Valley, as this could potentially harm your credit and ability to take out future loans, be wary of any suspicious activity where the company could potentially be violating the FDCPA. With that being said, remember that the debt which you may have been contacted about is real, and needs to be dealt with.

Who does Credit Systems of the Fox Valley collect for?

Credit Systems of the Fox Valley claims that the company, “specializes in medical and dental collections but are certainly not limited to that expertise”. The collections company claims that they additionally have clients who work within, “retail, utilities, NSF checks and rental agreements”. Because Credit Systems of the Fox Valley has such a wide client base, it is important that as a consumer you confirm with the collections company about what debt is specifically owed and to whom. Inquiring as soon as possible is the smartest move to make, and if you feel as though this company has breached their FDCPA rights be sure to contact an attorney to help you file a lawsuit.

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?

There are a number of reviews and complaints currently posted about Credit Systems of the Fox Valley across the internet. While on the BBB, there are only a few complaints (7 in the last 3 years to be exact), Credit Systems of the Fox Valley has received many additional complaints on other platforms. More specifically, on Google Reviews the company has received a total of 39 reviews awarding the company an overall 1.8 star review. Additionally, Credit Systems of the Fox Valley has received 44 reviews on BirdEye, amounting to a 1.9 star review. These reviews mainly noted that Credit Systems of the Fox Valley was allegedly using unethical collections practices and failing to keep consumers informed about their debt owed. The collections company could have also been a part of more lawsuits, sanctions, and penalties. Take a look at the  Public Access to Court Electronic Records (“PACER”) which reports all federal complaints within the U.S. federal system’s docket to find out.

Contact Information

  • Mailing Address: 630 Green Bay Rd. Neenah, WI 54956
  • Website:
  • Phone Number: (920) 722-6049

Can Credit Systems of the Fox Valley Sue Me or Garnish My Wages?

It is illegal for collections companies to make empty threats to sue you or garnish your wages. If Credit Systems of the Fox Valley cannot verify your debt or you may not owe said debt, they will likely choose not to sue. However, like all debt collection companies, Credit Systems of the Fox Valley can still summon debtors to court and garnish wages after a default judgement. Flip the script and hire legal aid to solve the discrepancy if you find that Credit Systems of the Fox Valley may have violated the FDCPA. It is wisest to contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law has helped thousands of consumers fight back against these cases of fraudulent collection practices. Call us today to find out how we can help you resolve this issue.

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

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

Can you help me file a No Fee Lawsuit against Credit Systems of the Fox Valley?

Absolutely. You can sue a debt collector. Here are some sample complaints.

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 Calling You?

The Fair Debt Collection Practices Act protects citizens like you against the abuses and misconduct of collection agencies. If you find that you have become a victim of illegal collections practices, read up on your FDCPA rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. Do not forget that you also have additional rights other than those listed under the FDCPA. These supplementary rights include those enumerated in the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Can I sue Credit Systems of the Fox Valley for harassment?

Yes you are able to sue Credit Systems of the Fox Valley. If you feel as though your FDCPA rights have been breached, suing is the best course of resolution. In order to recover your damages and protect yourself as an individual, you should sue and utilize the Federal laws that protect citizens like you from these fraudulent practices. Award yourself the power to defend your rights and protect your assets. Individuals like you can 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?

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

“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.”

Can You Help Me Delete Credit Systems of the Fox Valley from My Credit Report?

Yes, we would love to assist you with your case. Call us today.

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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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