Debt collection -- Attempts to collect debt not owed -- Complaint #18907208
Complaint Overview
Complaint ID: 18907208
Company: Ccs Financial Services, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Florida
ZIP Code: 33647
Date Received: 2026-01-21T12:00:00-05:00
Date Sent to Company: 2026-01-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I am an XXXX XXXX XXXX former XXXX employee. Between XX/XX/year> and XXXX of XXXX, I paid on a monthly basis XXXX XXXX company for automobile insurance. During the months of XXXX, XXXX, and XXXX, XXXX double billed me for auto insurance. I disputed each bill through my credit card XXXX XXXX company. XXXX never responded to XXXX XXXX and never rebilled me. Therefore the double billing was removed by XXXX XXXX. On XXXX XXXX, I paid XXXX {$180.00} for automobile insurance but then cancelled the insurance on XXXX XXXX because of the problems with recurrent incorrect billing by XXXX. XXXX charged me for 17 days for auto insurance and refunded {$120.00} to my credit card company in XXXX of XXXX. In XXXX of XXXX, I received multiple telephone calls and a letter from Credit Collection Services XXXX XXXX XXXX, XXXX, MA stating that I owed {$180.00} and " fees '' of {$240.00} as of XX/XX/year>. No documentation was provided. I contact the company on XX/XX/year> and explained the actual sequence of events. I then sent a registered letter to Credit Collection Services stating that no money was owed and that they contact all three credit card companies regarding the collection company error. I also asked that they cease harassment, I never received any written or verbal response to my certified letter. Since that time, I have received telephone calls and a second letter from the collection company at the end of XXXX, XXXX stating that I owed $ XXXX.No documentation was provided by the collection company. I again contacted the company, explain the sequence of events, and I requested that the collection company cease the harassment. The only response that I got was an offer from the company to decrease the dollar amount supposedly owed by 60 %! There is no money owed to Credit Collection Services. XXXX has given to me a {$120.00} refund for the time from XX/XX/XXXX to XX/XX/XXXX after I cancelled the XXXX auto insurance on XXXX XXXX. XXXX XXXX has never disputed their incorrect double auto insurance billing from XXXX through XXXX, XXXX. I dispute all claims of debt or fees owed by XXXX and Credit Card XXXX. These companies are engaging in abusive behavior! I request that XXXX and Credit Collection Services cease and desist all harassment, abusive behavior, and inaccurate practices and that they notify each of the three credit card agencies of their erroneous claims.
Frequently Asked Questions
What is Complaint #18907208 about?
Complaint #18907208 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 2026-01-21T12:00:00-05:00.
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.