Debt collection -- Written notification about debt -- Complaint #5502754
Complaint Overview
Complaint ID: 5502754
Company: Ccs Financial Services, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Arizona
ZIP Code: 85201
Date Received: 2022-04-26T12:00:00-05:00
Date Sent to Company: 2022-04-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/22 I discovered the debt on my credit report XX/XX/22 I reached out to the original creditor, XXXX XXXX XXXX, to confirm the debt. They confirmed that the amount had been owed, but that I would need to call Consumer Collection Services to determine current balance owed. XX/XX/22 I reached out to the current creditor Consumer Collection Services ( CCS ) at XXXX Upon reaching the current creditor, I offered to make a settlement. They advised that doing a settlement instead of a full payment would negatively affect my credit report. So I made a full payment. During this process, however, I advised that I needed some sort of proof that I made a payment to the company in question. They advised that proof of payment wasnt available for 8 days after the payment processed. They did offer to give me a confirmation number, which I thought was going to be electronically provided to me because they asked me to enroll in their email notification program. Once the payment processing was complete, I found out that they were not going to provide the confirmation number electronically, and they would only provide it verbally. I escalated to a supervisor, because I needed proof of payment to provide to an apartment complex I am trying to live at. Once at the supervisor, I advised of the situation and she said there was no way for her to provide that information. I thought this was kind of weird, so I asked for proof of payment. She refused to provide me proof of payment saying that now that the account has been paid for she had no way of providing me the requested documents. She did offer me to send a letter by mail to CCS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX however that was only after I started demanding proof of debt, and that again doesnt help me prove even that the debt is real much less that the debt was paid within the 5 days I have to move into a new apartment. According to the supervisor, once an account is closed there is no way for them to provide records whether or not I mail them anyway so why would I waste my time.
Frequently Asked Questions
What is Complaint #5502754 about?
Complaint #5502754 was filed against Ccs Financial Services, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-04-26T12:00:00-05:00.
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.