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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.
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.
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
Understanding Your Debt Collection Rights
Consumers are protected from abusive debt collectors from the Fair Debt Collection Practices Act (FDCPA). By way of instance, the debt collector must identify himself or herself, who they’re working for, and what debt they’re collecting. The FDCPA claims that debt collectors can’t use any deceptive or misleading representation, like implying the debt is secured by the USA or any particular state. Additionally, they can’t use a badge or uniform to pretend they’re a government employee collecting a debt. Misrepresentation is a violation of the FDCPA and could be reported as such.
In case you’ve been a victim of a debt collector’s wrongdoing, then you can search for justice under the FDCPA. You have the right to pursue a claim against the debt collector; if you prevail, you can collect up to $1,000, plus attorney fees and court costs.
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
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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