Debt collection -- Attempts to collect debt not owed -- Complaint #20700224
Complaint Overview
Complaint ID: 20700224
Company: Ccs Financial Services, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: California
ZIP Code: 91320
Date Received: 2026-03-26T12:00:00-05:00
Date Sent to Company: 2026-03-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I do not recognize this account and have no recollection of any such obligation. I never signed a contract with your company, done business with your company, and do not owe any of this debt. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : Documentation bearing my signature demonstrating that I agreed to assume this debt with XXXX XXXX A complete and itemized accounting of the alleged debt, including principal, interest, fees, and charges The date of last payment and full payment history Documentation establishing a complete chain of assignment, including proof that your company has the legal right to collect this debt Documentation clearly linking this account to my full and correct identifying information, including accurate name and address history Location where the debt originated Total amount YOUR company paid for the debt Person who opened the account Proof of each transaction/Location/and interest Owed for each transaction Given the discrepancies in the identifying information associated with this account, you must provide clear and verifiable evidence that this obligation belongs to me. Be advised : If you report this account to any credit reporting agency, you must ensure the information is accurate and complete under the Fair Credit Reporting Act Any reporting of information that can not be properly verified may constitute inaccurate reporting If this account is reported, it must be clearly marked as disputed Until proper validation is provided, you must cease collection activities. If you are unable to provide the requested documentation, you must cease collection efforts and ensure that this account is not reported to any credit reporting agency, or if reported, is removed. I work for one of the largest law firms in the United States and my team and I are prepared to vigorously fight in trial. Cease all collection activities immediately. All future communication must be in writing. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #20700224 about?
Complaint #20700224 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 2026-03-26T12:00:00-05:00.
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.