CFPB COMPLAINT DATABASE
901 real consumer complaints filed against CCS Financial Services, Inc. at the Consumer Financial Protection Bureau in the last 12 months. 14 received relief from the company. Median federal response time: 15 days.
The 30 most recent complaints against CCS Financial Services, Inc. where the consumer chose to publish their narrative.
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Credit Collection Services. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Credit Collection Services owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under XXXX U.S.C. XXXX ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Credit Collection Services to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account.…
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
I have been checking my credit since XXXX and in XXXX. I received a notice that my credit had dropped around XXXX points. There was a collection under CCS and XXXX, but I had never received used purchased or agreed to use any services from XXXX ever. At the time of the collection I had only made one bank account. I have never paid anything with XXXX or agreed to have anything with XXXX. The company marked my debt as paid even though I have never paid them anything this is a fraudulent report on my credit.
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
Credit Collection XXXX. was sent a debt validation letter on XXXX XXXX XXXX and they returned the Green signed receipt. The have had over 30 days per the FCRA and have not provided me with any debt validation for the alleged debt. Per FCRA failure to validate debts makes the debt invalid and per the FCRA you are not allowed to report invalid information to anyone 's credit report.
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Credit Collection Services [ Insert Address From Collection Letter ] RE : Debt Validation Request Under FDCPA 15 U.S.C. 1692g To Whom It May Concern : I am formally requesting full validation of the alleged debt you claim I owe. This letter is not a refusal to pay, but a notice that your claim is disputed and validation is requested pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. You have contacted me regarding an alleged account, yet I have not been provided with sufficient evidence proving that I am legally obligated for this debt. Therefore, you must provide competent evidence that I have a contractual obligation to pay your company. Please provide the following documents and information : A complete copy of the original signed agreement or contract bearing my signature. The original application and/or account opening documents. A complete payment history on the account from inception.…
On XX/XX/XXXX, XXXX XXXX collected the XXXX balance in full ( account ending in * XXXX, amount {$370.00} ). My XXXX report shows the account as XXXX, with a last payment date of XX/XX/XXXX. Despite the balance being satisfied through the collection agency, XXXX later accepted an additional payment of {$410.00} on XX/XX/XXXX, confirmation number XXXX. This means XXXX processed a payment after the debt had already been collected and closed. This also indicates that XXXX did not update their internal records before or after assignment, and XXXX XXXX XXXX not have communicated the paid status back to XXXX. As a result, the payment history between XXXX and Credit Collections is inconsistent, contradictory, and can not be verified as accurate. The collection tradeline remains on my credit report despite the conflicting payment history and GEICOs later acceptance of payment.…
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.
I am disputing the Negative account showing a {$0.00} balance and was paid Full. If the balance is {$0.00}, the account should not be reported as an active Negative account with an outstanding debt. Please verify the accuracy of the current balance, account status, and payment history. If the creditor has Negative the account and the balance is
I am filing this complaint regarding a collection account being reported on my credit reports by XXXX and XXXX. The account, associated with XXXX ( Account Number : XXXX ), reflects a balance of {$630.00} and is currently reported as a collection/charge-off. I dispute the accuracy and completeness of this account. The reporting of this account appears to be incomplete, as it reflects No History Available, yet continues to report a derogatory status. This raises concerns regarding whether a proper and reasonable investigation has been conducted and whether the information being furnished meets the Fair Credit Reporting Act ( FCRA ) requirement for maximum possible accuracy. At this time, I have not been provided with sufficient documentation to validate this debt, including a complete account history, proof of obligation, or verification of the reporting partys authority to collect.…
In XX/XX/XXXX, my vehicle was broken into and I filed a claim with XXXX XXXX. My assigned claims representative was completely unresponsive failing to return calls or follow up on my claim, or assist with coordination of repairs or reimbursement. Due to this mishandling, I called XXXX in XX/XX/XXXX to cancel my policy. Despite my XX/XX/XXXX cancellation, XXXX attempted to collect a premium payment in XX/XX/XXXX. When that failed, they issued a non-payment cancellation notice in XX/XX/XXXX XXXX months after I had already cancelled. They then sent this invalid {$220.00} balance to Credit Collections. Credit Collections has reported this account on my credit report since XX/XX/XXXX, last updated XX/XX/XXXX. I have previously disputed this with the credit bureaus but it remains open. This debt is not valid as I cancelled the policy before any non-payment occurred. I am requesting removal of this account from all three credit reports immediately.
I recently received a derogatory remark on my XXXX credit report stating that I owed XXXX dollars to XXXX XXXX that was never paid I called the collection agency and they told me that it was in XXXX and that the collection agency had tried to call me XXXX times. I asked them what number they called and they said it was a number ending in XXXX I have never had that phone number.they also said it was for an address in Pennsylvania I have never lived in Pennsylvania and I do not know anybody who lives in Pennsylvania.
I am disputing a {$520.00} debt that is currently being reported on my credit file and has not been properly validated. Under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I requested validation of this alleged debt ; however, the company has failed to provide sufficient documentation proving that I am legally obligated to pay it. Additionally, under 15 U.S.C. 1681b of the Fair Credit Reporting Act, a company must have a permissible purpose to furnish information to the credit bureaus. In the absence of proper validation, I question the legality of this account being reported on my credit report. Furthermore, under 15 U.S.C. 1692c, I have requested that the company limit or cease communication, yet I remain concerned about improper collection activity. This failure to validate and continued reporting of potentially inaccurate information is negatively impacting my credit profile.…
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
I am writing in reference to the alleged balance of {$430.00} reported by XXXX XXXX and your office, Credit Collection Services. I am formally disputing this debt because it is not accurate. I contacted XXXX XXXX by phone and requested that my policy be canceled effective for XXXX and XXXX. I was told the policy would be canceled. Despite this request, the policy was not properly canceled, and charges continued to be added. I also followed up after receiving notice of the balance and explained the situation again. This issue is the result of Progressives failure to process my cancellation request correctly, not my responsibility. my phone call and cancellation request in XX/XX/year>. A billing statement or balance notice alone is not sufficient proof that I owe this debt. I do not accept a payment statement as verification of a valid financial obligation. Because of this, I do not owe the {$430.00} being claimed, and I will not be making any payment on this account.…
; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date : XX/XX/year> Subject : Debt Validation Request FDCPA 809 To Whom It May Concern, I am requesting validation of the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA 809 ), you are required to provide proper documentation to validate this debt. Please provide the following : - A copy of the original signed contract - Complete account payment history - Proof of your legal ownership of this debt - Chain of assignment from the original creditor - Name and address of the original creditor Until this validation is provided, you must cease all collection activity and reporting on this account. If you can not provide this documentation, you must delete this account from all credit reporting agencies immediately. Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.…
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
Re : Formal Dispute of Inaccurate Credit Reporting FCRA 623 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am writing to formally dispute the accuracy of information your company has furnished to the credit reporting agencies regarding the account referenced below. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information is prohibited from reporting information to a consumer reporting agency if that information is known to be inaccurate. At this time, I have reason to believe that the account you have reported does not meet the standard of accuracy and completeness required under federal law. The information being reported is inaccurate and/or incomplete. I am requesting that you conduct a thorough investigation of this matter.…
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Personal information : name : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX Account : CREDIT XXXX This account has violated my rights. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).…
XXXX XXXX XXXX is reporting a {$52.00} collection for XXXX XXXX XXXX on my XXXX credit report. I have never had an XXXXXXXX XXXXXXXX XXXX and do not recognize this debt. FTC XXXX Theft Report XXXX filed XX/XX/year>. Requesting immediate deletion from XXXX XXXX reports under 15 USC 1681c-2 and 15 USC 1692g .
I have an account on my credit from credit collection. I have contacted the company several times by phone and certified mail. Im requesting debt validation letter and payment history on the alleged account. On my credit report there is no account number or payment history listed so I cant verify the account is legit. Ive also contacted the original creditor and they have no account found under my name address or social
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
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