Consumer complaint received 2023-08-21
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Credit Collection Services : Your correspondence of XX/XX/2023 was received by me on XX/XX/2023. I am conditionally accepting your contract in that letter of the {$160.00} balance remaining on the above-referenced loan upon proof of claim that : XXXX Credit Collection Services as an artificial entity/creature, created under the laws of the State of Massachusetts ( MA ) and doing business in the State of New York ( NY ) , by and through its Officers, Board of Directors, and employees , are not bound to support Article I X, as a State created entity, in that No State shall ... make any Thing but gold and silver coin a Legal Tender in payment of Debts. 
XXXX Credit Collection Services gave FULL DISCLOSURE to all matters dealing with the alleged loan and said contract. 
XXXX Credit Collection Services brought forward and loaned its own CREDIT within the transaction/contract. 
XXXX. The undersigned signature on the original contract did not create the value for the alleged loan and that the undersigned did not put the property up ( by pledge ) as the collateral for said loan by her signature as well. 
XXXX Credit Collection Services can demonstrate that they were put at risk by extending the above-referenced loan to me. 
XXXX Credit Collection Services was/is or will be damaged if the above-referenced loan is not repaid ; Credit Collection Services, you have ten ( 10 ) days from receipt of this Conditional Acceptance to respond on a point-by-point basis, via affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. Mere declarations are an insufficient response, as declarations permit lying by omission and hearsay, which no honorable draft may contain. If an extension of time is needed to properly answer, please request it in writing. Failure to respond will be deemed agreement with the facts stated in the attached Affidavit and an inability to prove your claim, thereby indicating that no debt exists. 
All rights reserved without prejudice, UCC 1-207 & 1-308 The undersigned XXXX, XXXX XXXX, hereinafter Affiant XXXX does solemnly swear, declare, and state as follows : XXXX. Affiant is competent to state the matters set forth herein. 
XXXX. Affiant has knowledge of the facts stated herein. 
XXXX. All the facts herein are true, correct, and complete, admissible as evidence and if called upon as a witness, Affiant will testify to their veracity. 
Plain Statement of Facts There was no notice of debt ; 4. contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing 5. ( 1 ) the amount of the debt ; 6. ( 2 ) the name of the creditor to whom the debt is owed ; 7. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 8. ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and 9. ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation