Debt collection -- Attempts to collect debt not owed -- Complaint #7265275
Complaint Overview
Complaint ID: 7265275
Company: Ccs Financial Services, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Michigan
ZIP Code: 48045
Date Received: 2023-07-17T12:00:00-05:00
Date Sent to Company: 2023-07-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to report a distressing incident regarding unauthorized account activity and threats made by XXXX, a subsidiary of XXXX XXXX. I have been a victim of fraud and identity theft in the past, and it appears that my personal information has once again been misused to open an account without my consent. I kindly request your assistance in resolving this matter promptly. The unauthorized account in question is associated with XXXX XXXX and was reported by a company named Credit Collection Services under file number XXXX XXXX XXXX. I was completely unaware of this account 's existence until I discovered it on my recent credit report. To my dismay, the account is negatively impacting my creditworthiness and causing undue stress. In an effort to rectify this situation, I reached out to XXXX directly to explain the issue and request immediate action. I spoke with a representative named XXXX, who regrettably failed to provide the assistance and support I had hoped for. Instead, she informed me that I was responsible for making payments on a phone that I neither possess nor require. This demand from XXXX places an unfair burden on me and exacerbates the distress caused by the unauthorized account. Given my previous experience with fraud and identity theft, I am deeply concerned about the potential implications of this unauthorized account on my financial well-being and personal security. I have taken all necessary precautions to protect myself from such incidents, including regularly monitoring my credit report and being cautious with my personal information. It is disheartening to find myself entangled in such a situation once again.
Frequently Asked Questions
What is Complaint #7265275 about?
Complaint #7265275 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 2023-07-17T12:00:00-05:00.
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.