Consumer complaint received 2020-07-14
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This occurred last year between XXXX and XXXX of XXXX. First, I received what my wife and I perceived to be a phishing piece of mail from XXXX XXXX saying I owed a balance for their services. The only information they had of mine was my name and legal address. They were asking me to provide my full SSN, my health insurance information, and other basic personal information. I have health insurance, so why would they not already have this information on file? They said the XXXX XXXX occurred in XXXX, Florida from a XXXX XXXX XXXX. I have never been to XXXX and have never seen a doctor under that name ; I am from New Jersey and made no trips to Florida last year. 

I got another piece of mail from them that was a higher value later in the year, probably around XXXX or XXXX. Again, I perceived this to be pressuring me to agree to the scam. I tried to call XXXX but couldnt get a person on the line to dispute the charge, only more options to pay the debt. 

In XXXX, I got an additional piece of mail from Credit Collection Services. I called them an inquired as to how they got my information. They said they bought my debt from XXXX XXXX. At this point, I went and filed a fraud report with the State Police at around XXXX on XX/XX/XXXX. I gave the Troopers copies of my bills they had sent and told them all of my information. I had a few further phone calls with Trooper XXXX who was investigating the matter. At this point I continued to let the State Police investigate and I was directed not to pay the debt since this would be seen as an admission on my part, and subsequently not fraud. After a few weeks, I no longer heard from Trooper XXXX and tried to rectify the situation with Credit Collection Services. 

CCS directed me to fill out an Affidavit of Fraud through the FTC Website and get it notarized, which I did immediately. I was also to get proof of the filing on Fraud with the State Police, which I did although it took a few weeks. I submitted these documents to their website under the Fraud section. I called back frequently to make sure the documents were uploaded properly. Between, XX/XX/XXXX and XX/XX/XXXX, I called back frequently and each time something was either not uploaded properly or was still being processed. In XXXX, they said they could see the documents, but I was missing a proof of residence. I then uploaded my W2 for their use and had the President of my Company, XXXX XXXX, fill out and notarize a letter stating that I was not in Florida on the day of the service and was in fact in XXXX, NJ at work on the day they are attempting to bill me for. I also uploaded this letter to their system. They told me everything was there and to wait 2 weeks for the documents to process and for them to repeal the check on my credit. 

In XXXX, I locked down my credit with XXXX  once I saw this charge passed on as a derelict debt on my credit score. 

This last weekend I double-checked to make sure the issue was resolved and found my account to still be open with the debt still affecting my credit & credit score. 

I called back on XXXX and the supervisor informed me that I am missing the 2nd page of my affidavit, which no one had brought to my attention before. They also took issue with the paperwork from the State Police. I have no control over how the State Police go about their documentation, but I called Trooper XXXX to get his advice on how to proceed. I have health insurance through my company and have had it since XXXX I would have provided this at the time of service, if I actually did receive bloodwork from XXXX. Also, I called the Doctors Office that authorized the bloodwork and they have no record of anyone under my name being seen by the doctor. I have relayed all of this information to Credit Collection Services, but they have not followed up on any of the information I have already provided and are proceeding to hold me accountable for the fraud. I have called XXXX and have put a lock on my credit as well as a fraud alert on my SSN. 

At this point, I feel that even if I do get all of the forms exactly as they want them, they will still pursue the debt and it will remain as derelict credit on my credit score for the next 5 years. I dont want to pay the amount owed either though as I never received any services and was directed by the State Police not to. 

I have documentation to prove I have gone through all the proper channels. 
Please let me know if I can provide any additional information to help get this resolved.

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