CCS Financial Services, Inc.

2019-08-15

Canyon City, OR

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: Received a letter from Credit Collection Services out of XXXX VA, about a medical debt. The creditor was XXXX XXXX XXXX. It had my correct and rather new address. The bill date didnt make sense to me because i havent had lab work done in a year or so. Also, the Dr that ordered the test, ive never heard of nor been to see before. I called CCS and they said it might not be the doctor you saw but could have been a doctor in the office that makes the orders which sounded fishy. He also said i had already paid them twice for lesser amounts and gave me the dates ( which i don't remember ) So i told them i would look into it more, and if i felt i did indeed owe them the money i would pay online. I then spoke with XXXX XXXX for a full half an hour as they tried to track me down as a patient. ( side note : there's not a XXXX lab within XXXX miles of me, and once i tracked down the Dr who ordered the test was located about XXXX miles from me ). After speaking with XXXX, they told me to rip up the letter i received from CCS as this was not money i owed and i wasnt even in their system to begin with. So i called back CCS, and they wanted payment once again, and when i told them i spoke with XXXX and they couldn't even find me in their system as a patient, they told me they would remove my phone number ( whatever that means ). When i asked if it would affect my credit negatively, the lady just repeated that she would remove my phone number from her system and ended the phone call. Considering they don't even have the correct person, I am curious how they got my new address and phone number to begin with.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-08-14

Boston, MA

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

2019-08-14

Homestead, FL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-08-12

Bloomington, MN

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: XXXX XXXX XXXX incorrectly associated me with a vehicle that is not mine and entered a missed payment of my fathers vehicle ( XXXX XXXX XXXX ) into their system. The missed payment was in XXXX 2018, after I had cancelled my insurance through XXXX XXXX and my father had cancelled insurance through XXXX XXXX. The Credit Collections for this missed payment of {$100.00} was posted in XXXX 2018 on my credit score. I was never notified of this debt, via phone, email, or mail and neither was my father. I just recently found this in reviewing my credit in preparation for buying a house. I have been in contact with XXXX XXXX to remove this from my credit, but I want to ensure that it no longer affects my credit and would like to get this moved forward and removed from my record as quickly as possible.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-08-10

Gloucester City, NJ

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2019-08-09

Euclid, OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have submitted multiple disputes to this company to validate my debt. Every time i submit a dispute it comes back as verified but not with the supporting documents. I have used different methods to stop the illegal reporting of this account to the bureaus.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2019-08-08

Cheyenne Wells, CO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Credit Collection Services was asked to validate the said debt in the amount of {$330.00} which they are currently reporting on my credit report. Each time they sent me papers that only is a statement of account. They have yet to send me any actual proof with my signature on it tying my to the debt. Under the New UCC Laws and, because of the previous XXXX XXXX Scheme debt collectors must provide original contract of debt. In which this company has not and fail to do so. I've asked them for the past two years and they continue to report this information. My next step is court. They had had over 45 days to comply this information needs to be removed immediately along with the constant hard credit inquiry pulls they have been making on my credit report.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-08-07

Tampa, FL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: The original creditor XXXX XXXX XXXX XXXX told me the issue was resolved after I assured them I do not own a car and that my mom paid for insurance on a car she thought I was going to keep. She wanted me to have insurance so that I can purchase a tag. The original creditor still owes my mom {$130.00} for new policy. The title wasn't changed over to me after finding out the original owner wasn't truthful about the mileage on the car. I found out this information while visiting the Florida Department of Motor Vehicles. The affidavit wasn't signed. Months passed and now I'm getting credit collection services notices every month when I was trying to establish credit. This negative remark was falsely placed on my credit reports and need to be removed. I do not owe this debt. I never received notices from XXXX stating I owe this. The company name is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX. My file number is XXXX XXXX XXXX. My Pin Number is XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-08-07

Washington, DC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I never received notice of a bill. I monitor my credit reports very closely since I had my identity stolen through the XXXX security breach. I was made aware of this bill because a collection was placed on my account. I called the company to explain the bill is not mine and was met with harsh words and a demand to pay immediately.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-08-06

Portland, OR

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX I called XXXX ( XXXX ) to stop my service that I had for over 16 years. The constant " phantom '' charges, deceptive practices, and most recently from the imposed data limit and unrealistic data overage charges. The customer service representative I spoke to on XX/XX/XXXX communicated to me that my bills were paid and I did not owe any additional money to XXXX. Months went by. I received a collection notice from Credit Collection Services inXX/XX/XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX ; ( XXXX ) XXXX ) Stating that I still owed XXXX {$220.00}. I called XXXX and told them that I did not owe them any money since I stopped my service and had not incurred any additional fees since my cutoff date. They said that I still owed them money. I told them that the XXXX customer service rep stated I was completely paid up. I told them to go look up the call on the XX/XX/XXXX ( since they record them ) and that they would find out that I was telling the truth. They said that didn't have access to the call information. Apparently they had been billing me over the last few months but I never received any statements since I was on paperless billing. In addition I was no longer a XXXX customer I did not have any reason to check my XXXX email address where the bills were getting sent. I could not reason with them. A few more months went by and I applied for a loan and the unpaid debt whihc was sent to collection severely ruined my credit score. I called the Credit Collection Services company and spoke to several people. I wanted to pay the debt but not before getting the collection account removed from my credit account. They said they could not do that. I called XXXX again and spoke to several people and finally got to a woman named XXXX. She told my that XXXX could not remove the collection from my account. I knew that to be untrue so I asked to speak to someone else. She said there was no one else in the office and that I would receive a call back. Of course I never did. I finally called XXXX and took care of the debt. They said they could not remove the collection from my account but that I can start a dispute claim with the credit reporting companies. I hope to do that.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-08-04

NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Collection agency alleges that the deceased debtor incurred charges with XXXX XXXX XXXX after his death and refuses to provide documentation after numerous requests ( see attached ). It appears that this collection attempt may be a scam targeting estates of deceased individuals
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-08-02

Orange Park, FL

Written notification about debt

Debt collection: Medical 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

2019-08-01

East Rockaway, NY

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened or suggested your credit would be damaged
Complaint: Hello, I am writing & complaining about, " XXXX XXXX Company '' ... This company did insure my vehicle in the past. Opened file auto insurance showing XX/XX/2018. I decided to not continue having my longer vehicle insured by this company " above mentioned '' any longer!!! Decided to go with another insurance company!!!! XXXX XXXX Company was notified of this in a time frame matter before another bill was to come at me. XXXX XXXX Company are also able to communicate with other companies to work with the customer and find documentation in system or even DMV for their own records to be updated and not assume & submit wrong information. However did not seem to be completed or done by them, due to me getting my credit score lowered and fausly accused of non-payment or a remaining balance of [ XXXX XXXX XXXX XXXX XXXX dollars ] This has been submitted, opened and now sent to COLLECTION. THIS HAS IMPACTED ME & MY FAMILY, FINANCES MENTALLY, EMOTIONALLY, & PHYSICALLY EVEN PUTTING A STOP OR HOLD ON MY DAILY LIVING FOR A FUTURE AND DELAYED PROGRESS IN LIFE! I AM URGENTLY ASKING FOR ASSISTANCE, GUIDANCE, HELP FOR THIS TO BE FIXED. I DO NOT OWE " XXXX XXXX Company '' ANYTHING & THERE IS PROOF TO BE SUBMITTED AND REVIEWED IN A CORRECT MATTER!!!!! PLEASE LOOK INTO THIS FALSE AND MISLEADING NOTICE THAT IS ON MY RECORD. THANK YOU,
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-08-01

Key Biscayne, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: To Whom it may concern, On XX/XX/19 I received a collection notice from Credit Collection Services claiming I owe them {$670.00}. On XX/XX/19 I sent them a letter requesting certain documentation in reference to there claim. A right I have under the FCRA and an obligation that must be fulfilled in order for the collection agency to continue in there collection process. On XX/XX/19 They sent a copy of a final notice and that was it. This did not address many of my requested documentation. They did not send me any documents showing that I had signed and agreed to pay the alleged amount. They did not show how this amount came to be.They did not provide there info showing there a licensed debt collectors in both FL where I reside and MA where there offices are from. Nor there license number. On XX/XX/19 I wrote a letter in response to there incomplete response basically requesting that they complete submitting the requested documents that I requested or that they drop there claim. On XX/XX/19 they sent a collection letter pretending as if all was complete and they can just proceed with there collection attempt without regard to the FCRA. This as clear act of willful non compliance. I have attached documents supporting all my claims. If you need any info feel free to contact me.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-08-01

Edison, NJ

Written notification about debt

Debt collection: Medical 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

2019-08-01

MD

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: Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-08-01

Oxford, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: this compnay sent me information to verify debt and it si on my credit report
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-07-31

Marina Del Rey, CA

Written notification about debt

Debt collection: I do not know

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

2019-07-31

PA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I obtained a copy of my credit files from all 3 credit bureaus after finding out someone used my identity. I noticed several mistakes. I contacted Credit collection Services asking for validation of the 3 debts that they are reporting or remove it within 30 days. I sent them a certified letter that they received XX/XX/2019 which a XXXX signed for. i never received any validation of debt for the 3 accounts and they are still listed on my credit reports
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-07-31

Decatur, GA

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

2019-07-30

Potomac Falls, VA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-07-30

Margate, FL

Attempts to collect debt not owed

Debt collection: Medical debt

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

Timely Response

2019-07-29

Forest Oaks, NC

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

2019-07-29

Harrisburg, PA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-07-29

Swansea, MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response