Debt collection -- Electronic communications -- Complaint #11345260
Complaint Overview
Complaint ID: 11345260
Company: Ccs Financial Services, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Electronic communications
Sub-Issue: Contacted before 8am or after 9pm
State: New Jersey
ZIP Code: 07017
Date Received: 2025-01-01T12:00:00-05:00
Date Sent to Company: 2025-01-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I want to highlight that the collection agency has failed to provide validation of the alleged debt within the timeframe required by the Fair Debt Collection Practices Act ( FDCPA ). Despite their repeated claims that they are working on it, more than 60 days have passed since my initial request, which exceeds a reasonable period for validation. Under the FDCPA, a debt collector must provide proper validation of the debt upon request before continuing any collection activities. Their failure to do so indicates they lack the necessary documentation to substantiate the debt, yet they continue to communicate with me, which is both misleading and unlawful. I kindly ask the CFPB to take further action, as their lack of compliance undermines the purpose of the FDCPA and causes unnecessary stress. I also reserve my right to dispute this debt further or pursue legal remedies if this issue persists. Thank you for your assistance in holding this agency accountable.
Frequently Asked Questions
What is Complaint #11345260 about?
Complaint #11345260 was filed against Ccs Financial Services, INC. regarding Debt collection specifically about Electronic communications. It was received by the CFPB on 2025-01-01T12:00:00-05:00.
How did Ccs Financial Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was 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.