CCS Financial Services, Inc.
Consumer Complaints
There are over 2366 complaints on file for CCS Financial Services, Inc.. Dated between 2019-12-16 and 2013-07-21.
Complaints Page 5
2019-09-30
Sandy Hook, CT
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: On XXXX, XXXX 2019 I received a letter in the mail from " Credit Collections Services '' stating that I owe {$530.00} for an unpaid bill from XXXX. The letter was dated to XX/XX/2019. I can confidently say I have no used XXXX within the past XXXX years. I immediately checked my XXXX account to see if I had any collection inquires. Nothing was reported as of XX/XX/XXXX. I called the number that the Credit Collection Services provided to me, they asked me various personal questions they should have had, including my name and address. I asked them if I could make a payment, and continued to ask them what the date on the collection was from. They said XX/XX/2019. I asked them what the bill was for, they said they could not disclose it. I asked them what was the address of the XXXX location in which I had a bill from. They were not aware of this address. Their website is also an unsecure website. I am aware of the recent breach in security in XXXX and do not want this to happen to anybody else.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-29
IL
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
Complaint: I have credit monitoring and received an alert that there was a collection account placed on all 3 of my credit reports in the amount of {$100.00}. I called Credit Collection Serv to inform them that I had no knowledge of this account and further, that I had never received notification of this account in the mail or otherwise prior to them putting it on my credit report. They told me the account was for an insurance policy with XXXX. I told them I do not have insurance through XXXX ; my policy is with XXXX. The vehicle they told me the policy was for, I do not own. I demanded they remove this notation from my credit report, but they have failed to do so. I am not sure which is more concerning : having a collection in my name for a car that I do not own, or having an account pop up on my credit reports with no prior notification of the account, in violation of the FCRA. This account needs to be removed from my credit reports ASAP as it is currently impacting my ability to obtain credit and is a FCRA violation.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-28
Cutler Bay, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation
2019-09-28
Chicago, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: In early XX/XX/XXXX the account was removed my credit report and then re-added a couple of weeks later.
My understanding is that this is a process known as " re-aging '' and is illegal.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation
2019-09-28
Randolph, MN
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: CCS COLLECTIONS AT XXXX XXXX XXXX, XXXX, MA XXXX, AND XXXX CREDIT BUREAU ALONG WITH XXXX CREDIT BUREAU REFUSES TO PROPERLY REINVESTIGATE MY DISPUTES AND CCS COLLECTIONS, XXXX XXXX XXXX, XXXX, MA XXXX REFUSES TO RESPOND TO MY DEBT VALIDATION LETTER. I AM NOT RESPONSIBLE FOR THE DEBT. THE ORIGINAL CREDITOR IS : XXXX, XXXX XXXX, MN. ACCOUNT : XXXX. THE ALLEGED AMOUNT {$170.00}. I LIVED WITH MY SON IN XXXX, MN FOR 1 MONTH AT THE ADDRESS THE ACCOUNT IS BEING BILLED FOR FROM XXXX XXXX XXXX XXXX. MY SON ORDERED THE XXXX SERVICES AND IS RESPONSIBLE FOR THE DEBT. HE IS REPORTED XXXX IN CALIFORNIA. I HAVENT HEARD FROM HIM SINCE XX/XX/XXXX. MY SON WAS THE LEASE HOLDER. I HAVE SPOKE TO CCS COLLECTIONS ABOUT THIS, AND EVEN OFFERED TO PAY IT IN FULL FOR MY XXXX XXXX SON, BUT CCS COLLECTIONS REFUSED TO REMOVE THE NEGATIVE REMARK WITH THE CREDIT BUREAUS, EVEN IF I PAYED IT IN FULL. I PLAN TO SUE THEM, XXXX AND XXXX FOR CHARACTER DEFAMATION. XXXX DID DELETE THIS FRAUDULENT DEBT. XXXX, XXXX AND CCS COLLECTIONS CONTINUE REPORTING IT IN MY NAME MONTHLY. CCS HAS REFUSED TO OFFER ANY VALIDATION OF THE DEBT.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-28
Bridgeport, CT
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-27
MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I canceled XXXX XXXX XXXX XXXX in XXXX after a 2 month period due to excessive monthly increases and retained another Auto insurer. They are charging me for a month I was covered by another Auto insurer.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-27
Dallas, TX
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Complaint: Company : Credit Collection Services at XXXX XXXX XXXX, XXXX, MA XXXX Contact : XXXX // www.ccspayment.com Credit Collection Services issued a debt collection notice by mail on XX/XX/2019. Mail was received XX/XX/2019. Amount of debt issued : {$98.00} with a memo of : Test ( s ) ordered by [ Recipient doctor 's name ]. Creditor : XXXX XXXX XXXX.
However, recipient contacted doctor 's office and hospital network to confirm that the original payment was received on XX/XX/2019 for the amount of {$25.00}. Receipts are available upon request. The hospital network that conducted the lab tests and received payment stated that the Credit Collections Services and creditor ( XXXX XXXX XXXX XXXX ) listed were not agencies it recognized or used.
Doctor 's office also confirmed that full payment was received and suspected a scam. Upon further research, XXXX XXXX , XXXX was breached in XX/XX/2019 and released thousands of patient names, SSN, billing information, etc. It is suspected that this breach allowed personal patient information to be leaked and obtained by Credit Collections Services to impersonate healthcare providers to request overdue balances.
Credit Collection Services also lists : " According to our client [ XXXX XXXX , XXXX ], the above referenced amount is unpaid. As a result your account has been placed with this office for collection. We look forward to working with you to resolve this matter. Thank you.
FEDERAL LAW : Unless you notify this office within 30 days of receiving this notice that you are dispute the validity of this debt, or any portion thereof, this office will assume the debt is valid. If you notify this office in writing within 30 days from receiving this notice that you disputed the validity of this debt, or any portion thereof, this office will obtain verification of the debt and obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of original creditor, if different from the current creditor. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. '' Notice arrived in generic envelope with a QR code. Website and messaging on document only refers to processing payments and no official Credit Collection Services website is available.
Please verify all payments are correct with healthcare provider and sales channel for tests run through third-party groups to avoid paying Credit Collection Services for false debt.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-26
Easton, MD
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-25
Danbury, CT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1.CREDIT COLLECTION SERV {$720.00} DATE OPENED ON XXXX 2.XXXX XXXX XXXX {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.XXXX XXXX XXXX {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX XXXX XXXX {$360.00} DATE OPENED ON XXXX 6.XXXX XXXX XXXX {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXX {$240.00} DATE OPENED ON XX/XX/XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-25
Canal Whchstr, 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
2019-09-24
Clarkesville, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX : Collection account : {$86.00} 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 couldA 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.
Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-24
East Rockaway, NY
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Complaint: I received a letter stating i owned this company money, First time hearing from this company and about this debt.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-23
Severance, CO
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-23
Jupiter, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLXXXX XXXX CREDIT COLL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CREDIT COLL XXXX CREDIT COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-21
Lexington, NE
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: XXXX price gougeing, Cooking the books, Fraud XX/XX/XXXX Policies ; XXXX and XXXX Ive had XXXX XXXX XXXX. since XX/XX/XXXX. We have always let our payment be made thru the automatic bank withdraw. I have added and removed vehicles and drivers over the years.
Ive had five children who have come to age of driving when they were old enough or moved out is when I removed them from my policy.
XX/XX/XXXX my youngest daughter moved to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
( Item # 1 payment reciept ) XXXX. XX/XX/XXXX she lived at XXXX XXXX XXXX. while living there she had her auto ins.which was XXXX policy # XXXX.
( item # 2 Lease agreement ).
She the still had this policy when she moved to XXXX XXXX XXXX # XXXX.
At this time my monthly payment was XXXX XX/XX/XXXX I purchased a XXXX XXXX, In XXXX XXXX We leased a XXXX XXXX.
Now I know I had called XXXX two or three times during XX/XX/XXXX wondering why my premium was so high? Then after I got these two newer vehicles I thought it was for that reason .. Newer vehicles. I asked progressive that my daughter XXXX be removed from my policy, that she no longer lived with us, they said ok. I know Ive called them at least a couple of times on this during summer and fall XX/XX/XXXX.
Time went on and come XX/XX/XXXX and my wife asked me agian why is our car ins. so high? XX/XX/XXXX, I got on line to see if I could change anything to get the cost down. I was'nt driving my XXXX XXXX. Because wasnt driving it, I didnt replate the XXXX in XX/XX/XXXX. So they can refund the year on this XXXX.
XXXX XXXX was able to remove XXXX but not XXXX XXXX or XXXX . Would not allow me to. When XXXX went away the monthly cosy for that acc. XXXX went from XXXX a month to XXXX. Then the XXXX went from XXXX to XXXX a month. This was outrages I cant afford XXXX $ and there was going to be the XXXX come out on the XX/XX/XXXX so this is when I called them. Ive known my premium had been high but I thought it was becuase we had gotten two new vehichles. I must have talked with three or four poeple at XXXX and none got any clue or something. I asked if they could do better than XXXX and they said XXXX Well on the XX/XX/XXXX when I was trying to reslve this my wife had found some one to cover the XXXX XXXX and the XXXX XXXX XXXX for XXXX a month ( quite a differance huh? ) Whos getting XXXX? Then they want proof that XXXX didnt live at our address, which I provided. Plus she had her own vehicle. It was a XXXX XXXX As soon as she move out that car was off my ins and she shouldve been too. XX/XX/XXXX XXXX was XXXX so why cant she move out.
Ive tried calling a few times I know in the fall of XXXX and aroundXX/XX/XXXX. or XX/XX/XXXXand ask them to remove XXXX but they never did. Now here we are.
I could not get any where with these people Got hung up on. Even by a Supervisor twice.
This had gone on till the XX/XX/XXXX Had my XXXX call and explain that She too was on her own account for the past two years. Now XXXX thinks I owe them XXXX and they threatened to take it to collection. They even sent me a payment schedule. They told me XXXX was taken off my policy I said when they said XX/XX/XXXX. They also said my one policy XXXX on the XX/XX/XXXX was canceled on the XX/XX/XXXX, I said No That was canceled on the XX/XX/XXXX, XX/XX/XXXX by me calling my bank and blocking payment.
In closeing, now that Ive looked at my past three years withdrawals from my bank. I dont understand why one month would be XXXX. $ more than the last month when no claims made just normal withdrawals? Id like to have someone that knows how this works and need be Ive got every bank statement back to XXXX.
I feel that Ive got a refund of what looks like a few hundred dollars.
They didnt remove XXXX till the XX/XX/XXXX but stil thought I was going to pay them XXXX a month.
You can see the diferance in the Policy Activity compared to my EBT withdrawals they dont match. They change this on the XX/XX/XXXX. Trying to hide something?
XXXX XXXX.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-21
Bellaire, TX
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I was a reluctant customer of XXXX for over 5 years despite the terrible service I received. We had cable internet and home security. From day one our home security was terrible. It was giving off false alarms and the police would have to be called. The internet was never as strong as we were told it was going to be despite paying extra for the boost service. I decide to disconnect my service and go with another provider. I paid my last bill and switched over. Months later I see that XXXX has submitted an entry to the credit bureaus of an unpaid debt. I contacted XXXX several times to figure out what this debt was and why I never received written notification of the debt. When I turned in my equipment I was never informed about a balance or anything. There was no written communication after that point.
I have tried to resolve the issue although I feel XXXX is at fault for failing to notify me of any charges after I disconnected my service, XXXX is refusing to remove this from my credit report even if I pay the balance in full. They apologized if they dropped the ball, but the most they could do is update it as paid in full, This is unacceptable.
I reached out to the collection agency that now has the account Credit Collection Services to get more information about the debt and they told me very little information as well other than they are collecting for XXXX. I tried to explain that I never received written notification that of this debt. I tried to resolve the issue requesting the full deletion of this from my credit report if I paid in full. They said they don't have the power to make that happen. I know that they have the power to negotiate those terms but they wouldn't even talk about that.
This is affecting my credit and I am in the process of purchasing a home. I am willing to pay the account in full although I take no responsibility for the charges, I was not properly made aware of the charges and was not given the option to dispute the charges in a timely manner.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-20
Wonder Lake, IL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I have no knowledge of this account or the creditor. This is reporting incorrectly on my credit report.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation
2019-09-18
CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Credit Collection Services of XXXX MA, has sent a notice of debt from a company I have never dealt with. The cable company does not even do business in my area. I have lived at the same address for over 20 years, so did not recently move leaving unpaid bills. The letter states that if I do not notify them that I dispute this erroneous bill, they will assume this debt is valid. Apparently this company is known for the practice of sending out claims to anyone with a similar name. I have notified them in writing by certified mail that the debt is not mine. ( The cost of a certified letter, return receipt is now {$6.00} ). Credit collection companies should not be allowed to shift their burden of locating debtors to the general public. Their inclusion of a payment slip and return envelope for payment is misleading and deceptive to those who may not recognize the claim for payment is bogus. The debt collection company should be required to send documentation proving the basis or validity of their claim with the letter. For example, if this is a cable bill, state the address where the service was received. Thank you.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-16
TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I do not have a signed contract nor any contract with CREDIT COLLECTION SERVICE. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with CREDIT COLLECTION SERVICE.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-16
Southern Pnes, NC
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I had canceled a previous insurance policy to get a new and updated policy. I was told that I would get a new policy with a new payment and that the old policy would be canceled along with the remaining balance. I received no phone call or letter informing me of the matter.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-15
Canandaigua, NY
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-14
Lewisville, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I moved to XXXX from XXXX on XX/XX/2019 where XXXX does not provide service. When I called weeks before to cancel service for this reason, I was told that there would be no cancellation fee and that I would not need to worry. When I dropped off my equipment on XX/XX/XXXX, I also confirmed I did not owe any more money in person.
On XX/XX/XXXX, I noticed I was charged a termination fee, called and they said they would have it removed. The next day, seeing no action, I used the chat function on their website to confirm. They told me that they had raised a " ticket '' and it would be taken care of.
On XX/XX/2019, I received a bill with a balance of - {$1.00}. This led me to believe this was resolved and I carried on with my life. On XX/XX/2019, I received another bill with the fee back on the bill, showing that I owed {$220.00} all of a sudden. I contacted XXXX and they assured me not to worry and that this would be taken care of ( I have a copy of this chat and more ).
This weekend, XX/XX/19, I received a letter from Credit Collection Services on behalf of XXXX, showing that they have sent this to collections. This is 12 days after I talked to someone again who assured me this has been escalated and would be taken care of!!
Today, my husband tried to call while I was at work and they would not help him because there was no Supervisor working, and told him to call back in an hour, so I went onto the chat function from work. I was able to get with a " supervisor '' on their chat function who could only seem to copy and paste content from previous chats or contracts. He refused to see that a human being who worked for XXXX told me over the phone that this would be waived. Therefore, it should be waived. Instead, he continued to mention some " ticket '' that I had no access to and which status was never communicated to me, saying that " the resolution was valid. '' He refused to understand that I was told over the phone and in person that this would be waived, but instead just kept telling me " the ticket was resolved '' and the " charge was valid. '' He then tried to add my husband as a user so he could call in ( again I was chatting from work where I could not answer the phone ), said he was added in the chat ( saved ), then my husband called in and they said he still was not a user and they could not help him. They've been impossible to work with and I am at my wits ' end ( which you will see in the chats ). I have tried to communicate with them 8-9 times and there has been no resolution. They will see these attempts if they bother to look at the account that I have been trying to reach a final resolution since XX/XX/XXXX.
I find this all to be incredibly abusive and misleading. Why send a - {$1.00} bill if you planned to charge me the fee? Why send me to collections 12 days after I clearly tried to reach out to rectify it and gain an understanding?
Now, after the time wasted on hold or waiting on chats, and the XXXX XXXX of receiving the first collection letter I've received in my entire life, XXXX absolutely owes it to me to follow through on the original promise of waiving this fee.
The only resolution here is for this to be waived. It's ridiculous that this took over two months to " resolve '' despite my constant efforts to understand, and XXXX XXXX solution is to fail to communicate with me but instead send us to a collection agency and hide behind that. They also need to make absolutely sure that Credit Collection Services NEVER reports this to the credit bureaus as I have made every effort to understand and resolve this.
Attached documents : 1. ) Live Chat.pdf - Chat from XX/XX/XXXX, showing my confusion and frustration at the surprise bill.
2. ) Live Chat XX/XX/XXXX.pdf - Chat from today, showing their complete inability to resolve the situation and the " supervisor 's '' tactic of copying and pasting things, not answering my questions and essentially bullying me.
3. ) Scanned Documents.pdf - Bill showing - {$1.00} balance and Collection bill
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-14
FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have disputed these collection items showing on my credit report before but then they keep reappearing. XXXX is showing 2 collections items on my credit report, NEITHER of them are mine or related to me.
Prior Dispute Report # XXXX 1. Credit Collection Service- acct XXXX for XXXX- XXXX XX/XX/XXXX & XX/XX/XXXX Prior Dispute Report # XXXX 2. XXXX XXXX- # XXXX I have never lived in California , nor applied for or have had any interactions with these companies. I have also been a victim of ID Theft in the past which I informed XXXX of in my initial dispute.
I tried contacting the above companies with the information provided on my Credit Report however they want my personal information. Since this is already an error I do not trust giving my personal information to a company I have no dealing with.
I take pride in my credit and these items are not mine & want them removed. I also want a credit lock/block on my account going forward.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-09-13
Eight Mile, AL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation