Debt collection -- Written notification about debt -- Complaint #5702317
Complaint Overview
Complaint ID: 5702317
Company: Ccs Financial Services, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: New York
ZIP Code: 11432
Date Received: 2022-06-23T12:00:00-05:00
Date Sent to Company: 2022-06-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The account is a collections account reported on XXXX and XXXX from XXXX in the amount of {$770.00}. I was laid off from my job because of Covid-19, which was around XXXX of XXXX. Considering, I have lost my Health benefits as well. I had to apply for health coverage from the state. My Health policy with Health First was not effective until XX/XX/XXXX of XXXX, but however, I was told by a Rep from Health First, that I was able to use my coverage before hand and everything will be fine. So, I used my coverage on XX/XX/2020 because I was exposed to Covid-19 and it was an urgency that I go get checked for myself and family. The Clinic took my coverage and assured me that everything was good to go. It has been over 2 years and I'm just now receiving letters in the mail, starting a month or so back, stating this amount. The letter never stated that my coverage did not cover that visit. Also, was unaware considering that me and my father have the same exact name. I haven't received any notice stating that it was not covered at all around the time went to be tested for Covid-19, etc ... and it has been over 2 years.. Now its being reported on my credit report as an collections account and I would like for this to be removed from my credit report immediately due to Covid-19, false information given to me and lack of communication regarding this matter. Don't think I was treated properly in this matter. I was completely unaware that I was not able to use my coverage before the effectiveness of my policy and was told I could by a rep.
Frequently Asked Questions
What is Complaint #5702317 about?
Complaint #5702317 was filed against Ccs Financial Services, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-06-23T12:00:00-05:00.
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.