Debt collection -- Written notification about debt -- Complaint #10778531
Complaint Overview
Complaint ID: 10778531
Company: Ccs Financial Services, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Illinois
ZIP Code: 60643
Date Received: 2024-11-10T12:00:00-05:00
Date Sent to Company: 2024-11-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I sent CCS aka Credit Collection Services aka Credit Control Services , inc. aka CCS XXXX XXXX located at XXXX XXXX XXXX XXXX, MA XXXX a letter on XX/XX/year> through U.S.P.S certified mail that requested In accordance with the Fair Debt Collection Practices Act ( FDCPA ) as stated under 15 U.S.C. 1692g that proof be provided to me regarding accounts in debt. They have failed to respond and provide proper validation and requested information regarding an account that they have inaccurately put on my consumer report for {$150.00}. Some how the {$150.00} debt was removed from my XXXX credit report but has not been removed off my XXXX and XXXX. I have also asked them for proof for another account showing a debt for {$100.00} that they have again failed to provide requested information for. These accounts need to be taken off my credit for the lack of providing any proof of their claim that I have a debt with them. This debt collector is also NOT Licensed in the state of Illinois to collect debt. The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. The Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. This account is not verified ; the Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). In accordance with the Fair Debt Collection Practices Act ( FDCPA ) as stipulated under 15 U.S.C. 1692g, requested that i be provided with the following information : Proof of the debt : Please provide me with a copy of the original signed contract or agreement that establishes my responsibility for this debt. Assignment of Contract : Please provide a copy of the assignment of contract, showing that the current collector has been legally assigned or purchased the right to collect this debt from the original creditor. Until I receive verification and validation, please cease all collection activities, including reporting this debt to any credit reporting agencies. According to 15 U.S.C. 1692g ( b ), I am entitled to dispute the validity of the debt, and I request that the information about this debt be removed from my credit report.
Frequently Asked Questions
What is Complaint #10778531 about?
Complaint #10778531 was filed against Ccs Financial Services, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-11-10T12:00:00-05:00.
How did Ccs Financial Services, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.