Consumer complaint received 2020-09-02
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, I received a letter in the mail from Credit Collections Services regarding money owed they believed I owed on an automobile insurance policy I previously held with Progressive Insurance. I called the company and spoke with a representative named XXXX XXXX. I inquired as to what this amount due represents and she advised I owed the insurance company for XX/XX/XXXX for renewal of my policy. At that time, I explained this could not be accurate, as I had advised Progressive in XX/XX/XXXX that I would be canceling the policy due to their significant increase. Therefore, I began searching for insurance, but I paid the XXXX policy through the end of that policy date in XX/XX/XXXX. Ms. XXXX then requested I send a copy of the " Declarations Page '' for my new policy. I was provided a fax number ( XXXX ) to which to send it. I sent this information on this date and moved on. I continued to receive notifications from the collection agency, so I called back on XX/XX/XXXX at XXXXXXXX XXXX EST. At that time, I spoke with XXXX XXXX and reminded him that I sent the declarations page via facsimile. Mr. XXXX advised that he would look into this and provide me with an update in approximately one week. After speaking with Mr. XXXX, I became concerned and called Progressive insurance directly. I spoke with a Representative named XXXX, who requested I send a copy of the declarations page to XXXX via email at XXXX confirming the effective date of the new policy at XX/XX/XXXX. On XX/XX/XXXX, I sent this directly to XXXX. After sending the document, I called XXXX to confirm. At that time, I spoke with XXXX, who advised I need to submit a written request to cancel the policy. I found this odd, as I had previously advised Progressive I would NOT be renewing in XX/XX/XXXX at the rate quoted and would find another insurance company. Nonetheless, I sent the request via email. On XX/XX/XXXX, I called XXXX to confirm and I spoke with XXXX. I confirmed the document and request to cancel had been received that day, but that I would need to speak with a XXXX for a full resolution of this issue. Therefore, I asked for a manager and was transferred to XXXX at XXXXXXXX XXXX  EST. At that time, I explained to XXXX that I elected back in XXXX of XXXX not to renew with XXXX because of the significant rate increase assessed due to my son, a new driver, being added to the policy. I explained further that I continued to pay up through XX/XX/XXXX to finish out the policy, but I also secured a new policy with XXXX XXXX effective XX/XX/XXXX ; which is prior to the expiration date of the Progressive policy. XXXX explained that because XXXX 's expectation is that I renew, XXXX will still be owed a portion of the money. Therefore, XXXX explained, I would have an adjustment to my account but would still owe some monies. When I inquired how so and how much, I was advised that it could not be determined because this is a rate and REQUIREMENT of the North Carolina XXXX XXXX. I then requested an upper level manager. I was transferred to XXXX, a Resolution Lead at XXXX a.m. ; who advised that not only was this a requirement of the North Carolina Insurance Commissioner but that I agreed to this in my contract. On or about XX/XX/XXXX, I received another letter in the mail from Credit Collection Services advising that the above referenced amount of {$250.00} is correct and that I must remit payment for said amount. My complaint is simple, I had automobile insurance with XXXX. My son, a XXXX year old, obtained his learner 's permit and began driving, so I ( as required by law ) added him to the insurance. Because of this, XXXX decided that when my policy renews ( XX/XX/XXXX XXXX my rate would increase to over {$700.00} per month. As that is their right, it is also my right to shop and secure adequate insurance from another provider. Therefore, I called XXXX to discuss the rate increase with no success. Therefore, during that call I advised, I will not be renewing. I will get insurance elsewhere. On or about XX/XX/XXXX, I began shopping for quotes with other insurance carriers. XXXX, XXXX XXXX and XXXX XXXX. I elected to go with XXXX XXXX effective XX/XX/XXXX ; however, I paid XXXX all monies owed on that existing policy. I owe them nothing and would appreciate the removal of the debt from my name on any and all credit bureau reporting, insurance databases, collection agencies or the like. Basically, I owe them nothing and it needs to be reflected as such. I have nor had no obligation to renew with them. Just as XXXX had the right to increase rates where they viewed more risk, I have the right to pay them out for the coverage I had and secure a new policy with a different company.

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