Consumer complaint received 2023-02-14
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against CREDIT COLLECTION SERVICE # XXXX FOR ALLEDGED BALANCE DUE {$240.00}. I reject your offer to contract I did not consent to any nonaffiliated third party CREDIT COLLECTION SERVICES # XXXX to be in possession of my Nonpublic Person Information. I never gave permission to CREDIT COLLECTION SERVICES use or to be in possesion of any of my identifying information. This is a Violation of GRAMM- LEECH- BLILEY ACT . This debt company never contacted me in the mail, or by phone I don't even know who they are or why there harrasing me and if your putting alledged debt on my consumer reports it is harrasment .I only found about them from seeing this on my credit report while I was recently denied a extension of credit for having a collection on my consumer report .I tried calling the number associated with them to speak to someone and the phone kept ringing for 2 mins I'm very upset. This is there notice to cease and desist all illegal activity and communications and they need to remove the false alledged debt on my credit reports. I am not requesting validation of any alleged debt as I KNOW NOW that by them obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. THE GENERAL IN COMPANY SOLD MY NON PUBLIC PERSONAL INFORMATION TO this debt collection company ''. Based on that I now have reason to believe that you ALL are conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL extortionate means. There is no TRILATERAL CONTRACT BETWEEN US THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY CREDIT COLLECTION SERVICES. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FAIR TRADE COMMISION ( FTC ) AND CFPB WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM THESE PRATICES. CREDIT COLLECTION SERVICES HAS NO RIGHT TO PUT AN ALLEDGED DEBT ON MY CONSUMER REPORT AND DAMAGE MY CREDIT WORTHINESS. THEY NEVER UNDER SECTION 1006.34 SENT ME AND I NEVER RECIEVED NOTICE FOR VALIDATION OF DEBT. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND IM CALLING ON THE CFPB TO ENFORCE AND POLICE MY CONSUMER FEDERAL RIGHTS. The collection of an extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH CREDIT COLLECTION SERVICES NOR DESIRE TO. AND THIS IS WHERE FDCPA VIOLATIONS COME INTO PLAY CREDIT COLLECTION SERVICES NEVER SENT ME THE PAPER WORK NEEDED BEFORE LAWFULLY PUT THIS ALLEDGED DEBT ON MY CONSUMER REPORT CAUSING ME FINIACIAL DAMAGE AND EMBARRASEMENT BEING DENIED OF MY FEDERAL RIGHTS OF EXTENSION OF CREDIT WITH A INSTITUITION. YOU ARE IN VIOLATIONS OF SECTION1006.18 ( FALSE DECEPTIVE PRATICES ) I DONT OWE THE GENERAL IN INSURANCE ANYTHING I CALLED THEM. AND SECTION 1006.22 ( UNFAIR QUESTIONABLE MEANS ) PUTTING ALLEDGED FALSE DEBT ON MY CONSUMER REPORT TRYING TO GET ME TO GIVE YOU MONEY FOR NO REASON. AND UNDER THE FDCPA 15 USC 1692K. I DEMAND AND EXPECT MY {$1000.00} PER VIOLATIONS AND AFTER FINDINGS FOR MY DAMAGES DUE IMMEDIATELY. AND DELETE FROM MY CONSUMER REPORTS THIS DAMAGING ALLEDGED DEBT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation