Consumer complaint received 2023-03-14
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX purchased an auto insurance policy with XXXX auto insurance provider with an effective date of XX/XX/XXXX and was provided a policy number for the two car auto insurance policy of, XXXX. The policy was generated to insure two of XXXX cars, a XXXX XXXX XXXX and a XXXX XXXX XXXX, XXXX and XXXX, respectively. The VINs associated with the two car auto policy are XXXX, which coincides with a XXXX XXXX XXXX XXXX owned personally by XXXX and a VIN, XXXX, also owned personally by XXXX. The policy cancelled allegedly with XXXX, where it was asserted by their collection agents to be this case on XX/XX/XXXX. They are now filing collection attempts and remarks on XXXX credit bureau in error and asserting inacurrate information. On or about XX/XX/XXXX XXXX contacted the collection agency referred to as CREDIT COLL on his credit report via a number listed consistent with the information being provided and asserted on his three various credit profiles with XXXX, XXXX and XXXX at XXXX to discuss this account with them. They were eager to receive money, and offered a settlement amount. XXXX informed them that they are asserting an indefinite dollar amount against his name through the various credit bureaus and notified them that all reporting must stop immediately, as it is a violation of his consumer rights and a misrepresentation of his financial debts owed consistent with the policy instrument being used to derive the dollar amount. They stated that they would remove the information and work on the matter with XXXX directly, however the information is still being reported to the three major credit bureaus and XXXX request for documentation explaining the true derivatives for the debt being asserted have not been supplied per his request via the phone number provided on his credit reports with the three major credit bureaus. This is a fraudulent abuse of authority and a misrepresentation, where XXXX notified the creditor that the amount is in question, requested that they prove up the source for the value of the assertion against his credit reports and there has been blatant disregard and omission of his rights and liberties afforded through consumer rights laws available to individuals. The remarks on XXXX credit report are under dispute with the three major credit bureaus and this complaint will serve as support for his request it be removed and discussed prior to ongoing collection efforts consistent with reports made against his credit profile with the three major credit bureaus. XXXX has also employed attorney XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX to assist with all efforts in removing this and other negative information being asserted against his credit profiles with the three major credit bureaus. He is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, and can be reached via phone at XXXX or email at XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation