Consumer complaint received 2023-06-17
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Credit Collection Services ( CCS ) on a recorded line XX/XX/XXXX, at XXXX and spoke with a representative name XXXX XXXX I asked her why is CCS reporting that I owe a debt to XXXX XXXX from the year XXXX when I had already sent in proof that my balance with XXXX XXXX was paid in full and that I had already had insurance coverage with XXXX XXXX before this was reported to any credit bureaus. My XXXX XXXX account was canceled by my new insurance agent XXXX XXXX from XXXX XXXX. I sent CCS my declaration page and proof that my balance was Zero, but XXXX stated that XXXX XXXX rejected the letter that was sent to me from XXXX XXXX. XXXX then transferred me to her supervisor XXXX XXXX who was rude and very short with me. He told me I must speak with XXXX XXXX and gave me their phone number. ( XXXX ) I called XXXX XXXX  on a recorded line XX/XX/XXXX at XXXX. I spoke with XXXX XXXX She stated that XXXX XXXX place my account in collections with CCS on XX/XX/XXXX. This didnt make any since with me because that is the same date XXXX XXXX XXXX the XXXX XXXX rep ) contacted XXXX XXXX to cancel my policy with them. XXXX told me that XXXX XXXX no longer has my account and that I had speak with CCS. XXXX XXXX also told me that XXXX XXXX Sold my account to CCS and to ask them for a release from credit bureau reports since I have proved my account was paid in full. XXXX XXXX XXXX me back to CCS XX/XX/XXXX at XXXX. This transfer was an abrupt transfer without informing me I was being transferred. It was very rude and unexpected. This is all recorded by XXXX XXXX. 
XX/XX/XXXX XXXX I spoke with XXXX XXXX XXXX CCS who informed me that only a supervisor can view documents attached to my account. XXXX XXXX told me that XXXX XXXX was wrong and that My account was listed on my credit report on XX/XX/XXXX. XXXX XXXX also informed me that he would be transferring me to a supervisor to further assist me. XXXX was very professional and courteous. 
I was on hold until XXXX until supervisor XXXX XXXX of CCS picked up the line. We spoke about the documents I submitted to CCS a while back and about CCS purchasing my account from XXXX XXXX. I tried explaining to him that one of the documents shows that as of XX/XX/XXXX my XXXX XXXX account had a zero balance. XXXX XXXX XXXX stated that XXXX XXXX gave me the wrong information and then he rudely hung up the phone at XXXX. This is also on a recorded line from CCS. 

In conclusion, I have never missed a payment with XXXX XXXX and I have all the documents and Emails from XXXX XXXX, XXXX XXXX and CCS stating that I do not owe XXXX XXXX  or CCS any money at all. This is all about a sum of {$250.00} but I refuse to stand by and allow these big companies to try and ruin my credit standings. I have since paid a discounted price they offered me to mark it as paid. The discounted price was {$120.00}. The ONLY reason I paid this is because I have been fighting with them for over a year at this point. I feel trapped and helpless that these insurance companies can ruin your life at a moments notice. I want it to known that in no way do I or did I ever owe XXXX XXXX XXXX XXXX. 


My request is to have this account from XXXX XXXX and or Credit Collection Services ( CCS ) to be totally removed from all of the major credit reporting agencies.

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