Debt collection -- Attempts to collect debt not owed -- Complaint #10585132
Complaint Overview
Complaint ID: 10585132
Company: Ccs Financial Services, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: South Carolina
ZIP Code: 29420
Date Received: 2024-10-25T12:00:00-05:00
Date Sent to Company: 2024-10-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation and Cease and Desist To, Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question. Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt. XXXX. Records of all assignments showing the transfer of the debt from the original creditor to your agency. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor. Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report. Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so. Furthermore, I dispute the validity of this debt and request that any future collection agencies you XXXX transfer this debt to be made aware of this dispute. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #10585132 about?
Complaint #10585132 was filed against Ccs Financial Services, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-10-25T12:00:00-05:00.
How did Ccs Financial Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Ccs Financial Services, INC.?
Yes, visit the Ccs Financial Services, INC. company profile at readthecomplaint.com/company/ccs-financial-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.