CCS Financial Services, Inc.

2019-05-15

Golden Gate, FL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-05-14

Cleveland, OH

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

2019-05-14

Inglewood, CA

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

2019-05-14

Hillsdale, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/2019, I mailed a certified letter to XXXX XXXX XXXX for validation of the collection account stating I owe {$3600.00} they placed on my credit report, which does not belong to me, I never open this account with them nor the company they represent, its been over 60 days and no response back from XXXX XXXX XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-05-13

Dallas, TX

Incorrect information on your report

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

Account information incorrect
Complaint: Credit Collection Service Original Creditor : XXXX Account No. : XXXX XXXX : {$490.00} I have disputed these multiple entries for Credit Collection Service several times with no response. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Credit Collection Service and myself for repayment. To this day, I still have not received a response. I've sent correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-05-12

Lufkin, 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

2019-05-12

San Gabriel, CA

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

2019-05-10

East Liberty, PA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-05-10

Somers Point, NJ

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: In response to a denial of an extension of credit, this consumer checked with one or more consumer reporting agencies and discovered the following : 1. On or about XX/XX/XXXX, Credit Collection Services ( hereinafter CCS ) began furnishing negative information about this consumer to one or more consumer reporting agencies. ( See attached Exhibit A ) 2. Upon information and belief, CCS is an admitted debt collector as defined in section 803 ( 6 ) of the Fair Debt Collection Practices Act ( FDCPA ) ( See attached Exhibit D ). As part of CCSs debt collection activities, CCS furnishes information to consumer reporting agencies. As such, CCS is a person or entity subject to regulation and liability under Section 623 of the Fair Credit Reporting Act ( FCRA ), which imposes a series of duties and prohibitions upon any person or entity that furnishes information to a consumer reporting agency. 3. Section 623 ( a ) ( 7 ) of the FCRA requires that persons or entities such as CCS send to this consumer an initial disclosure announcing that CCS may report information about this consumer to one or more consumer reporting agencies. Additionally, Section 623 ( a ) ( 7 ) of the FCRA requires that this disclosure be provided to this consumer in writing, prior to, or no later than thirty days after CCS furnishes the negative information about this consumer to a consumer reporting agency. 4. In connection with the furnishing of negative information about this consumer to one or more consumer reporting agencies, CCS failed to disclose/notify this consumer in writing that it had furnished negative information to one or more consumer reporting agencies, a practice commonly referred to as debt parking. 5. Notice of the debt and that CCS is reporting it is of particular importance to this consumer, the deprivation of which has caused this consumers character, reputation, and/or credit to be unjustly damaged. 6. The acts and practices of CCS alleged within this complaint caused this consumer to send CCS an initial communication on XX/XX/XXXX via certified mail, return receipt requested. ( See attached Exhibits B & C ) 7. Notwithstanding the five ( 5 ) day Notice requirement imposed upon debt collectors such as CCS, in an effort to show good faith, this consumer extended CCS with a period of thirty ( 30 ) days to respond to this consumers initial communication. ( See attached Exhibit C ) 8. Upon information and belief, this consumers initial communication was accepted and received by CCS on or about XX/XX/XXXX. ( See attached Exhibit B ). 9. Despite this consumers efforts to extend CCS with a reasonable amount of time to respond to this consumers initial communication with substantively admissible facts, it appears that CCS has refused and/or failed to respond to this consumers initial communication. 10. As of the date of this complaint, CCS continues to willfully and maliciously furnish negative information about this consumer to one or more consumer reporting agencies. ( See attached Exhibit B ) In addition to the foregoing, this consumer does not have in her possession a bonafide record of any transactions executed between CCS and this consumer under the alleged account # ( XXXXXX ) reflected on this consumers report. Therefore, it is reasonable for this consumer to believe that CCS has falsely represented to one or more consumer reporting agencies that CCS holds an account belonging to this consumer. Furthermore, in the absence of such a record, it is also reasonable for this consumer to believe that CCS has used this consumers identifying information without authority to manufacture into existence the alleged account ( # XXXXXX ).
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-05-10

Pickens, SC

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

2019-05-09

Fargo, ND

Incorrect information on your report

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

Information belongs to someone else
Complaint: On XX/XX/2019 I was notified that I had an account in collections. When I looked at it. It said through CCS Collection for XXXX XXXX. I do not have any policy through this company and I have spoken with XXXX and CCS collections who told me that the policy was not even under my name it is under my father XXXX XXXX. This is not the first time XXXX has allowed information for this man to be placed on my report
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-05-08

Minburn, IA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-05-08

NJ

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I contacted XXXX XXXX XXXX on XX/XX/XXXX for a debt in the amount of {$300.00} which my husband and I wanted to settle. I contacted and spoke with an XXXX and the parties agreed to settle the debt in the amount of {$200.00}. ( Confirmation number XXXX ). {$100.00} was to be paid at that time with the additional {$100.00} to be paid XX/XX/XXXX. As I had another bill that was going to be withdrawn from my account I wanted to make sure that there was enough money in my account to cover both bills. Pending POS Debit - Visa Check Card XXXX - XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} When I logged in I was charged the full {$200.00}. When I called back I explained that I had another bill coming out and was going to get charged a {$29.00} overdraft fee. I spoke with XXXX XXXX who informed me that yes I was correct on the payment arrangements. That the only thing she could do would be to refund the {$100.00} but it would 48 to 72 hours by the time it would be returned to my account, just in time to be taken back out not to mention still getting hit with the {$29.00} surcharge. Tonight I went back on line and it states that we still owe {$100.00} which I believe they have every intention of attempting to collect it on XX/XX/XXXX FILE NUMBER : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Consumer : XXXX XXXX RECEIPT DATE :XX/XX/2019 Amount of the Debt : XXXX Amount as of XX/XX/19 : {$100.00} This is deceptive and theft since the agreement was for a settlement in the amount of the {$200.00} which they have already received.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-05-07

Glendale, CO

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I attempted to call into Credit Collection Services as they were on my credit report. I am attempting to obtain a mortgage and my lender is requiring an official letter that is on letterhead and signed stating that if I pay off this debt that it will be completely removed from my credit report. I called in and spoke to a woman, she told me that there was a disclaimer online stating this and she could not help me. I then asked to speak to a supervisor, he was very rude and told me this is not something that they normally do, that I would have to get the disclaimer online when I am making the payment. I let him know that it was a requirement of my mortgage lender and they would not accept the disclaimer. He told me that I have had 2 years to resolve this issue and I should have thought about this sooner. I was not aware of this collections account until it was brought to my attention on my credit report. He then told me I would have to make the payment with him first and then he would put in a request to his legal team that " might '' get approved and would take up to 4 business days. He basically was asking me to buy the letter from them. I told him I would be more than happy to make the payment if that letter was provided to me first and I could not take his word that I would actually receive it. He then proceeded to cut me off and then hang up the phone. I spoke with a customer service agent and senior supervisor on XX/XX/2019 at XXXX at number XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-05-04

Crystal, MN

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

2019-05-03

Cheyenne Wells, CO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX XXXX XXXX is reporting incorrectly on my credit report a collection for XXXX. ( Please see the attached credit report. ) XXXX contacted me regarding a dept owed and the representative and I were trying to figure out this account because I had previously cancelled the account and XXXX consequently billed me incorrectly. The representative that I spoke with was going to investigate this error further and I was told that I would be receiving a call back. I never received a call and consequently XXXX just decided to send this account over to XXXX XXXX XXXX. When I was made aware that this account had gone to collections, I immediately contacted XXXX and explained the situation and XXXX agreed that someone should have called me back. XXXX agreed to take a payment and XXXX also informed me that they would contact XXXX XXXX XXXX to get this inaccurate reporting deleted. XXXX XXXX XXXX is now saying they can not delete this, which is totally incorrect. This inaccurate reporting is harming my credit score.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-05-03

Mount Oliver, PA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2019-05-03

Oxford, GA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I did not receive service for this month and this company charged me
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-05-03

Patterson, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Credit collection services is reporting a collection on my credit report. It is showing under XXXX XXXX. I have requested validation several times, with no response. The account is inaccurate and a result of identity theft.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-05-03

Oxford, GA

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

2019-05-02

Claiborne, LA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-05-02

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-05-02

OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police XXXX need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-05-02

Glover, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I canceled my homeowner 's insurance policy with XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX, MO on XX/XX/XXXX, and obtained a policy from a competitor. Never heard a word until XX/XX/XXXX, when my credit report showed a collection from Credit Collection Services for {$180.00} from XXXX XXXX. I immediately called XXXX XXXX who stated the {$180.00} was for XXXX through early XXXX. I explained that I canceled my policy and they became rude and uncooperative. I am filing a complaint that XXXX XXXX reported and sent to collections a debt an amount that was never owed by me nor did they ever contact me regarding the issue.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-05-01

Addisleigh Park, NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response