CCS Financial Services, Inc.

2019-06-26

Five Points, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XXXX XXXX, I started a car insurance policy with XXXX XXXX. The policy effective date was from XX/XX/XXXX - XX/XX/XXXX and the TOTAL premium was {$990.00}. I made my first payment of {$160.00} on XX/XX/XXXX. Shortly, after I made my first payment, XXXX tried to increase my premium. Thus, I cancelled my policy with XXXX via email and started a new car insurance policy with XXXX XXXX on XX/XX/XXXX. With that being said, I do not owe XXXX XXXX anything! Yet, XXXX is claiming that I owe them {$1000.00} and has either sold the debt to Credit Collection Services or hired CCS to collect the debt. Thus, CCS is now reporting on my credit reports that I owe them {$1000.00}. I have disputed the alleged debt with the credit bureaus and it came back as 'verified and accurate '. Therefore, I wrote a letter to CCS asking them to validate the debt by providing me with an original contract bearing my signature and full accounting for the amount claimed to be owed. In their response, CCS didn't provide me with either of the two, but instead, a bill printout from XXXX 's website. Lastly, I called CCS and spoke with a manager, XXXX. Basically, XXXX stated that although CCS does not have the necessary documents to validate this debt, CCS will not stop reporting to the credit bureaus, unless I could provide proof of my new insurance policy and notice of cancellation. I have provided the requested documents, even though, legally, I am not obligated. Please see attached.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-25

Occoquan, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-25

Anderson, OH

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: Issue Debt collection to : XXXX XXXX regard to : Credit Collection services Creditor : XXXX XXXX Account Ending : XXXX ( Joint checking account ) Primary Holder or Co-Applicant Holder File Number : XXXX XXXX Date XX/XX/19 Amount : {$300.00} Remarks : This typical checking account always occurs a negative balances which nowhere of usage and declaration correctly from Institution.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2019-06-25

Stamford, CT

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Complaint: Hi I'm XXXX XXXX, I was have insurance with the general insurance and im never receive any mailing to know how I pay and after that they send it in XXXX XXXX, I need to dispute with them the account number XXXX and apologize thank you my phone number XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-24

Wilmington, DE

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-24

Euclid, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Credit Collection Services are stating the purchase debt from XXXX. Stated to Credit collection I've never done business with nationwide. Asked credit collection services of a legally signed document that validated debt. They told me they could do that unless I initiated a fraud investigation. Told them my uncle is an attorney and was instructed they have to provide me a legally signed documentation under section 623 and representative hung up the phone.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-24

Memphis, TN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I sent out a DEBT VALIDATION LETTER this company sent me a settlement letter this is NOT a form of validation. This negative impact is stopping me and my son from purchasing a home and i would like for this company to DELETE this account from my credit file.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-23

Ft Trumbull, CT

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: XXXX XXXX XXXX claims I owe {$6800.00} to XXXX XXXX. The balance includes amounts from prior policies, some as old as five years, which were supposed to be canceled before additional coverage and a bill generated. XXXX XXXX reps failed to cancel when I told them to do so, thus a bill generated for outstanding balance. Two prior complaints were filed about these issues, complaint IDs XXXX and XXXX. It appears XXXX XXXX is attempting to collect on old/expired, charged off, invalid debts. I've explained this in two prior complaints, XXXX XXXX also claims CCS as their in house collections agency which I believe to be a lie. I believe CCS is a private agency and they purchased the debts off XXXX XXXX whom is still attempting to collect despite the debts being invalid, old, charged off.. {$6800.00} is an absurd amount of money for an auto policy and will not pay it. XXXX XXXX has added on four different amounts from prior policies, refused to resolve the issue with me. Please see prior complaint IDs with information pertaining to these additional amounts.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-22

Five Points, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XX/XX/2019, I disputed a derogatory mark that is being listed on my credit reports by Credit Collection Services. The results of the dispute came back as 'verified and accurate '. Thus, because I do not owe this debt, my next step was to dispute the debt directly with the furnisher of the information. On XX/XX/2019, I wrote a letter to Credit Collection Services asking them to send me the documents that were used to validate this debt with the credit bureaus. I specifically asked for proof of contractual agreement and COMPLETE accounting of the alleged debt using generally accepted accounting principles. CCS received my letter on XX/XX/XXXX and in their response on XX/XX/XXXX, CCS didn't provide me with any of the requested documents nor did the company provide me any documentation to legally validate this debt. Instead, I was sent a 'final bill '.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-22

UT

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/19 received a notice from Credit Collection Services stating {$840.00} was owed by XXXX XXXX for Creditor : XXXX XXXX. Called CCS XXXX and informed them that we have never subscribed to XXXX XXXX and its not even an option in the area that we live in. The address on their records was XXXX XXXX XXXX XXXX XXXX XXXX XXXX in Washington. We have lived in Utah for over 60 years. The number given to me to call at XXXX was disappointing, they could not bring up the account and wanted additional information that I refused to give because they could not provide any specifics that they were a legitimate business XXXX. CCS has called every day for weeks. How do I get them to stop harassing us for a debt that is not ours?
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-21

Ft Trumbull, CT

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: The below complaint was marked as a duplicate when it in fact is not, CCS ( XXXX XXXX XXXX ), requested more time to respond to this complaint in XXXX, on or around the XXXX, marked it as a duplicate today, XX/XX/XXXX. This complaint pertains to XXXX XXXX adding on additional amounts to my auto policy from prior policies which I believe CCS bought from them.. XXXX XXXX is still attempting to collect on these debts despite being invalid and sold off.. XXXX XXXX claims I owe them for past policies which were supposed to be canceled as per my request before additional coverage, resulting in a balance owed. It appears my request was not honored at the time and or canceled later for whatever reason, non-payment, etc.. A balance was generated as a result of this and XXXX XXXX sold the items, four in total, to CCS . I was contact by CCS for payment on each policy, the above info was explained each time and CCS stopped collection efforts. XXXX XXXX has added on the amounts in question to my current policy, please see info below ... XX/XX/XXXX Cash Transferred To/From Policy {$1000.00} XX/XX/XXXX Cash Transferred To/From Policy {$2800.00} XX/XX/XXXX Transferred Balance from Prior Period {$2200.00} XX/XX/XXXX Transferred Balance from Prior Period {$380.00} I do not have the policy numbers available to me. It appears XXXX XXXX is attempting to collect on old, invalid, charged off debts. In a prior complaint, I requested CCS to confirm this information, if they in fact purchased these debts from XXXX XXXX or not. My request was ignored, they addressed another issue in that complaint but did not confirm or deny if they had purchased these debts from XXXX XXXX. I need this information to forward on to an attorney for an investigation, XXXX XXXX is attempting to collect on old, invalid, charged off debts. Secondly, they claim CCS is their in house collections Dept when CCS is not located at the same address and does not have the same number as XXXX XXXX. I believe they claimed this so as to hide the fact they sold the above mentioned policies to CCS.. I need CCS to confirm whether or not they are in house collections for Liberty Mutual, I do not believe they are as CCS handles accounts for other insurance companies such as Progressive as well
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-20

Albion, NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I had an account with a communications company for about 3 years, I moved transferred service and continued for a few months. Paid off entire bill ( XX/XX/XXXX. {$44.00} ) everything was then closed. I then applied for a small loan, ( XX/XX/XXXX ) this was then I was told by the bank that I had a debt in collections for {$100.00}. My credit is destroyed, and the biggest problem is that the company, or collection agency NEVER called, or sent any type of notice. All my bills are always paid on time. I would have handled the bill originally when it came. After finding out about this, I called the company and asked them about this. They stated they cant look up anything about this bill because they dont have it anymore, they will however, accept a payment from me!! This has completely destroyed my credit and I am now in dire straits. The collection agency violated the fdcpa by not making ANY TYPE of communication to me about this supposed debt.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-20

IL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: there is a collection account that was reported on my credit bureaus XXXX, XXXX and XXXX in the amount of {$1000.00} this is from XXXX XXXX XXXX, and is being services by credit collection services XXXX XXXX XXXX XXXX MA XXXX I have contacted them and XXXX XXXX as first of all I changed insurances in XX/XX/2018 I switched to XXXX XXXX I notified the agent of this change, they continued to bill me and caused an overdraft in my account before finally cancelling the insurance. also I never received anything from the collection agency I found out about this when it showed up on my credit report
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-20

Houston, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I have been with XXXX, XXXX, XXXX XXXX etc. for over 30 years. i have had numerous problems with the billing from XXXX. i cancelled service in XXXX and changed to XXXX XXXX XXXX in XX/XX/2018. 1 ) found out that DATA overage was the issue, changed to UNLIMITED data. 2 ) charges for overage on DATA continued. 3 ) after cancelled service, charges continued along side charges with XXXX XXXX XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-19

Three Bridges, NJ

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: Ccs Collec..Reported on my credit report XXXX 2 collection from XXXX XXXX and XXXX XXXX.Both this accounts did not belong to me i ask for a prove and they do not haved. I do not have any policy under my name and i do not have a car under my name.All the information that they have are incorrect.The are over 140000 complaints against this company they try to brake down peoples credit and XXXX just for money.They have no real prove to provide against me they told me that they get those info from a third party agency and they are not responsible to provide a prove
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-19

FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CREDIT COLLECTION SERV. XXXX XXXX XXXX, XXXX, MA XXXX XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-18

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: This company is attempting to collect and unverified debt. I will be seeking damages. This is unlawful.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-15

Danbury, CT

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-13

Ft Trumbull, CT

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Credit Collection Services claims I owe an amount of {$34.00} to XXXX XXXX XXXX. This debt is from a Renters insurance policy linked to an auto policy, the auto policy is in question as XXXX XXXX is attempting to add on amounts from prior polices in which the debt is not valid, a separate complaint with the CFPB is on file about this, still no reply in re. This debt, {$34.00}, is also in question as again, it is linked to that Auto policy and I had several denied claims under this renters policy. Based on principal for denial of claims, I am also disputing this debt. Simply put, I paid XXXX XXXX for coverage and they denied two claims, would not work with me to resolve either. I do not believe I should pay them when they denied two claims unfairly and would not work with me towards a resolution. The issues with the auto policy are still unresolved, I filed a complaint, mentioned above, about additional amounts added on from prior policies. These police are as old as five years, coverage was supposed to be canceled prior to any balance generated, it was not. Further, XXXX XXXX claims CCS is their in house collections department when the number is not the same nor the address.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-13

Philadelphia, PA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XX/XX/2017 a collection account was placed on my credit report. I asked the credit bureaus to please verify the debt. They responded by saying the debt was verified I asked for proof of the debt being verified by creditor. No response was given. I sent a letter to creditor asking to validate no validation was given but a bill which is not considered proof the debt belongs to me. I am asking you to please have the creditor please send valid proof such as original contract with my signature. If they are unable to according to FCRA they must cease collections and delete from all 3 bureaus.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-13

Euless, TX

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened or suggested your credit would be damaged
Complaint: This company continues to call and hang up on my phone while I am at work. I did not give them permission to call my cell phone. They are violating UDAP, Texas Debt Collection Act, FDCPA and TCPA. They call from different numbers. One day I believe they even called me before XXXX. They dont leave messages. I feel threatened as this woman just told me with all these harassing phone calls. It appears this company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law and the other previously listed regulations. I request validation of this alleged debt as the amount listed is not correct. I have been paying XXXX for my car insurance for over 2 years. I recently made a payment to XXXX and this letter seems to state the alleged debt is more than it allegedly is. I am filing a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the XXXX, XXXX and XXXX XXXX and XXXX this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-12

Glen Burnie, MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-12

Bedford Heights, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-11

Philadelphia, PA

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: Upon the request for the cancellation of my familys auto insurance with XXXX insurance company, they initially told us that we were supposed to get a partial refund for the years of service with them which is customary among most insurance companies. And yet all of a sudden they changed their story by falsely claiming that my sister and I allegedly owed an unpaid debt through the use of a collections agency by the name of Credit Collection Services.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-06-10

Fred, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response