Consumer complaint received 2022-08-04
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX CCS Collection acct. 

An egregious error was made on the part of the insurance broker in transferring my auto coverage from XXXX ( a XXXXXXXX XXXX affiliate ) in XXXX of XXXX. 

Previously for the entire year of XXXX I was insured with XXXX. Upon the purchase of an additional vehicle in in XX/XX/XXXX I called to add the additional vehicle while at the dealership in order to drive it off the lot. The new cost was more expensive, thus in XXXX of XXXX I called to shop the rates with my XXXX XXXX broker and he solicited I move to XXXX, in which I agreed, effective XX/XX/XXXX. ( See attached declaration page ). 

The problem arises when I was made aware of a substantial rate hike upon expiration of my 6-month policy period ending XX/XX/XXXX. I reached back out to my previous company XXXX for a price comparison and potential savings. I was pleased with the quote that I received, and agreed to switch back to XXXX  ( under XXXX 's umbrella ) but to my surprise I was notified that I had an outstanding balance that had been sent to collections and that I would need to clear the alleged {$260.00} balance prior to getting my new policy with the reduced savings. 

I contest that I never owed them any balance due at any time and provided them my Declaration Page showing that I'd left them for XXXX a few months prior in XXXX and prior to my leaving my account was up to date and current. 

The representative agreed with me and stated that the error was on the part of the independent broker who facilitated the change as my transfer of insurance agencies did not show up in their system immediately, thus I was continued to be billed for duplicate coverage. 

In need of continual coverage as I drove my car for work, I reluctantly agreed on the promise that this matter from the agent that this issue would easily be resolved upon payment as this balance was still internal. Once the collection was paid, the very next day I took the liberty to contact XXXX 's internal collection agency, I was advised since paid, the case was closed and there was nothing that could be done and was dismissed. 

I've requested multiple validations of the balance in question to no response. No one can even tell me what months they alleged me to owe or what the balance is comprised of as my previous payments with XXXX were only approximately {$100.00} per month. 

This ordeal has been a travesty to say the least. My current policy expiration date is XXXX of this year and I have all intention of leaving for yet another carrier. one of high moral standards and honesty. 

Please assist to the best of your abilities to an amicable resolve for a mistake not of my own. Yet I continue to pay the consequences of a drag on an otherwise good credit history and scores that I take great pride in. 

I am also shopping for a new home and do not want his account as a hinderance. 

Attached you will find : * My proof of coverage with XXXX ( effective date XXXX ) *My proof of coverage with XXXX ( effective XXXX ) * My payment log of premium amount paid and to what insurer for the entire years XXXX - XXXX I thank you in advance for your assistance. 

I look forward to a fair and expeditious resolve. 

Regards, XXXX XXXX XXXX

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