Debt collection -- Written notification about debt -- Complaint #9437316
Complaint Overview
Complaint ID: 9437316
Company: Ccs Financial Services, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Florida
ZIP Code: 33311
Date Received: 2024-07-05T12:00:00-05:00
Date Sent to Company: 2024-07-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against CREDIT COLLECTION SERVICE for their violations of multiple consumer protection laws in the handling of my account. The actions taken by CREDIT COLLECTION SERVICE are in direct contravention of several regulations designed to protect consumers. The specific violations are as follows : 1. **Failure to Provide Validation Information** : CREDIT COLLECTION SERVICE has not provided the required validation information for the alleged debt as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection account on my consumer report. 2. **Violation of My Right to Dispute** : I have not been given a chance to dispute the account, which is a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This provision mandates that consumers must be given the opportunity to dispute the validity of the debt before any adverse actions are taken. 3. **Use of Deceptive Practices** : The collection agency is violating my consumer rights by employing false, misleading, and deceptive means in their attempts to collect this debt. Such practices are in direct contravention of established consumer protection laws. 4. **Unauthorized Reporting to Consumer Reporting Agencies** : CREDIT COLLECTION SERVICE has no authority to furnish any account to consumer reporting agencies without providing all legally required disclosures. This constitutes a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which stipulate the requirements for accurate and lawful reporting of debts to consumer reporting agencies. The actions of CREDIT COLLECTION SERVICE have caused me considerable distress and have negatively impacted my credit report and overall financial well-being. I request that the Consumer Financial Protection Bureau ( CFPB ) take the following actions : 1. **Investigate the Practices of CREDIT COLLECTION SERVICE** : Conduct a thorough investigation into the practices of CREDIT COLLECTION SERVICE to ensure compliance with all applicable consumer protection laws. 2. **Enforce Corrective Measures** : Require CREDIT COLLECTION SERVICE to remove the collection account from my consumer report until proper validation information is provided and I am given an opportunity to dispute the debt. 3. **Ensure Compliance with Disclosures and Dispute Rights** : Ensure that CREDIT COLLECTION SERVICE provides all required disclosures and adheres to the right of consumers to dispute alleged debts. 4. **Prevent Future Violations** : Implement measures to prevent future violations of consumer protection laws by CREDIT COLLECTION SERVICE and other collection agencies. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance in protecting consumer rights.
Frequently Asked Questions
What is Complaint #9437316 about?
Complaint #9437316 was filed against Ccs Financial Services, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-07-05T12:00:00-05:00.
How did Ccs Financial Services, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.