Consumer complaint received 2019-09-21
Company: CCS Financial Services, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX price gougeing, Cooking the books, Fraud XX/XX/XXXX Policies ; XXXX and XXXX Ive had XXXX XXXX XXXX. since XX/XX/XXXX. We have always let our payment be made thru the automatic bank withdraw. I have added and removed vehicles and drivers over the years. 
Ive had five children who have come to age of driving when they were old enough or moved out is when I removed them from my policy. 
XX/XX/XXXX my youngest daughter moved to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
( Item # 1 payment reciept ) XXXX. XX/XX/XXXX she lived at XXXX XXXX XXXX. while living there she had her auto ins.which was XXXX policy # XXXX. 
( item # 2 Lease agreement ).

She the still had this policy when she moved to XXXX XXXX XXXX # XXXX. 
At this time my monthly payment was XXXX XX/XX/XXXX I purchased a XXXX XXXX, In XXXX XXXX We leased a XXXX XXXX. 
Now I know I had called XXXX two or three times during XX/XX/XXXX wondering why my premium was so high? Then after I got these two newer vehicles I thought it was for that reason .. Newer vehicles. I asked progressive that my daughter XXXX be removed from my policy, that she no longer lived with us, they said ok. I know Ive called them at least a couple of times on this during summer and fall XX/XX/XXXX. 
Time went on and come XX/XX/XXXX and my wife asked me agian why is our car ins. so high? XX/XX/XXXX, I got on line to see if I could change anything to get the cost down. I was'nt driving my XXXX XXXX. Because wasnt driving it, I didnt replate the XXXX in XX/XX/XXXX. So they can refund the year on this XXXX. 
XXXX XXXX was able to remove XXXX but not XXXX XXXX or XXXX . Would not allow me to. When XXXX went away the monthly cosy for that acc. XXXX went from XXXX a month to XXXX. Then the XXXX went from XXXX to XXXX a month. This was outrages I cant afford XXXX $ and there was going to be the XXXX come out on the XX/XX/XXXX so this is when I called them. Ive known my premium had been high but I thought it was becuase we had gotten two new vehichles. I must have talked with three or four poeple at XXXX and none got any clue or something. I asked if they could do better than XXXX and they said XXXX Well on the XX/XX/XXXX when I was trying to reslve this my wife had found some one to cover the XXXX XXXX and the XXXX XXXX XXXX for XXXX a month ( quite a differance huh? ) Whos getting XXXX? Then they want proof that XXXX didnt live at our address, which I provided. Plus she had her own vehicle. It was a XXXX XXXX As soon as she move out that car was off my ins and she shouldve been too. XX/XX/XXXX XXXX was XXXX so why cant she move out. 
Ive tried calling a few times I know in the fall of XXXX and aroundXX/XX/XXXX. or XX/XX/XXXXand ask them to remove XXXX but they never did. Now here we are. 
I could not get any where with these people Got hung up on. Even by a Supervisor twice. 
This had gone on till the XX/XX/XXXX Had my XXXX call and explain that She too was on her own account for the past two years. Now XXXX thinks I owe them XXXX and they threatened to take it to collection. They even sent me a payment schedule. They told me XXXX was taken off my policy I said when they said XX/XX/XXXX. They also said my one policy XXXX on the XX/XX/XXXX was canceled on the XX/XX/XXXX, I said No That was canceled on the XX/XX/XXXX, XX/XX/XXXX by me calling my bank and blocking payment. 
In closeing, now that Ive looked at my past three years withdrawals from my bank. I dont understand why one month would be XXXX. $ more than the last month when no claims made just normal withdrawals? Id like to have someone that knows how this works and need be Ive got every bank statement back to XXXX. 
I feel that Ive got a refund of what looks like a few hundred dollars. 
They didnt remove XXXX till the XX/XX/XXXX but stil thought I was going to pay them XXXX a month. 
You can see the diferance in the Policy Activity compared to my EBT withdrawals they dont match. They change this on the XX/XX/XXXX. Trying to hide something? 
XXXX XXXX.

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