Consumer complaint received 2022-05-14
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by mail from a debt collection company concerning a debt that I owed for Vehicle insurance. I had canceled my service with XXXX XXXX, and I notified XXXX in writing that I had moved on to another company. I contacted the debt company to ask what is this fee of {$260.00}. I was told that it was from XXXX XXXX. I asked them what month was the fee due. I was told XX/XX/2021. I sent them proof of payment. They continued to write me stating that I still owe the {$260.00}. I called once again and asked if they had received the proof of payment that I sent them. They continued to sent me letters stating that I owed the Debt. I contacted them again and I was told that it was for going past the due date in XXXX. Due date was XX/XX/2021. After still getting a bill from XXXX, I contacted them via email on XX/XX/2021 telling them that I let the policy cancel because I had another insurance company. XXXX XXXX ( my new company ) informed me that I did not need to contact XXXX, they would do it for me. Somehow they did not inform XXXX according to the XXXX agent. She asked me for proof and I contacted XXXX XXXX to verify my proof of coverage. A couple of days after my last conversation with the Debt Collector, I had received a notice that I had a debt collection added to my credit report. I again called the Debt collector to try and get it removed because I did not feel that I owed it. After an extended conversation with the agent and the manager, they were very rude and did not want to hear anything I had to say about the matter. Again I contacted XXXX and told them that I would pay them the money but I did not want to deal with that Debt Collection company again. I was told that they could not help me and I would have to take it up with the Debt Collector. Months later I received a text message from the Debt collector to call them. I called and they told me that I could settle this debt for {$180.00}. I tried to negotiate it to {$150.00} but they would not take it. At this point, I just wanted it settled whether I owed it or not. I asked if I paid the {$180.00} would it be removed from my credit report. They told me no. I asked if I paid the entire {$260.00} would it be removed from my credit report. Again, they told me no. I told them the only reason I would pay it is to have it removed. End of conversation. I went back into all of the emails that I had communicated with XXXX. I was told in the initial response that I did not need to provide proof of insurance with another carrier and they could back date 30 days. Anything beyond 30 days would have to have proof of insurance. I have copies of all the emails that I sent to XXXX and their response. This has been a very frustrating situation and I have tried to resolve it several times with no luck. The name of the debt collection company is Credit Control Services , Inc. dba Credit Collection Services.

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