Debt collection -- Attempts to collect debt not owed -- Complaint #7504906
Complaint Overview
Complaint ID: 7504906
Company: Ccs Financial Services, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Virginia
ZIP Code: 239XX
Date Received: 2023-09-05T12:00:00-05:00
Date Sent to Company: 2023-09-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been dealing with this XXXX XXXX issue since the beginning of XXXX. I received mobile devices and immediately returned them and XXXX XXXX confirmed this. I never opened the devices either. I have constantly received text messages from XXXX XXXX about owing them money. Every time I call them they say they have resolved the issue and they see I never activated the lines, I returned the phones ( because I couldn't port the numbers over from XXXX ), and now as of XX/XX/, I received a collections letter from XXXX ( XXXX XXXX XXXX ) and I contacted them at XXXX, they told me that they needed proof that I returned the phones because XXXX XXXX reported to them that I did not return the phones. I immediately called XXXX XXXX back and was told that I did not have a balance due and they do not show that I have an active account. I gave them all of the information regarding the collection company and also explained that when I log in to my account it still shows I have a balance on an XXXX mobile account. I have asked for a manager on numerous occasions and I am always told this is resolved. I want this taken off of my credit immediately, I want an explanation of why this was erroneously reported and I also want compensation for this issue as it has caused me a great deal of time and frustration. I called back today and was transferred 4 times and then hung up on. XXXX has never sent me anything in writing at all in the mail. XXXX XXXX has never notified me in writing at all via mail correspondence. They have only sent text messages and I have responded via a phone call or chat to every one of them. No one at XXXX XXXX seems to know what they are doing. I looked at the XXXX XXXX account online today and it shows a report of the return, then it shows a damage charge, Again I NEVER opened the phones, how could they be damaged? I also was NEVER notified. My account which should have not existed was erroneously and wrongfully sent to XXXX XXXX XXXX and they are refusing to accept a dispute at all and want me to supply proof of the return which XXXX fails to provide other than via an email and no one from XXXX XXXX will contact XXXX, they will only transfer me to XXXX.
Frequently Asked Questions
What is Complaint #7504906 about?
Complaint #7504906 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 2023-09-05T12:00:00-05:00.
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.