Debt collection -- Attempts to collect debt not owed -- Complaint #5809314
Complaint Overview
Complaint ID: 5809314
Company: Ccs Financial Services, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Pennsylvania
ZIP Code: 15227
Date Received: 2022-07-25T12:00:00-05:00
Date Sent to Company: 2022-07-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I currently have an outstanding balance with the company. On XX/XX/XXXX, I entered into a payment agreement with the company, agreeing to pay {$59.00} per month until the outstanding amount of {$1200.00} was resolved in full. I did this with the full intention of paying more than was necessary so as to pay down the debt quicker. After this payment plan was established, I began receiving monthly bills from the company despite my paying each month. On XX/XX/XXXX I received a final notice requiring me to pay the amount of {$230.00} for services provided on XX/XX/XXXX. A payment satisfying the amount was made on XX/XX/XXXX. On XX/XX/XXXX I received a second final notice requiring me to pay the amount of {$110.00} for services provided on XX/XX/XXXX. I mailed a check to the company on XX/XX/XXXX for the full amount. On the same day, I received a letter dated XX/XX/XXXX from Credit Collection Services saying that the company had transferred my debt in the amount of {$230.00} to their collections service. The debt is for services provided on XX/XX/XXXX. In spite of the fact that I paid the full balance required of me, the company transferred my debt to a collections agency and continues to send me final notices via mail, despite my continued repayment of the debt. I called the company on XX/XX/XXXX looking for a resolution to the issue. A company customer service representative informed me that, while they would open an investigation into my issue, they could not guarantee the collections transfer would not impact my credit score or account standing. I was given a case number and told to call the collections agency, that they would be able to address my concerns. Upon calling the agency, I was placed on hold for 45 minutes and then told that their service center had closed for the day. While the company has told me that they would communicate the error to the collections agency, I currently have no way of ensuring that is the case as the representative I spoke with stated that the company does not provide written proof of the communications or proof of payment to the customer.
Frequently Asked Questions
What is Complaint #5809314 about?
Complaint #5809314 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 2022-07-25T12:00:00-05:00.
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.