Consumer complaint received 2017-04-25
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear  XXXX  : I am writing to complain about  Credit Control Service, a  Debt Collection agency located at   XXXX   XXXX   XXXX   XXXX  , MA  XXXX  (  XXXX  )  XXXX .     The company has illegally put a collection account on my credit report. I had no idea about my debt and no attempt was made by the company to contact me, to give me a chance to verify the debt or to dispute it. I just happened to be checking my credit report and came across their collections flag on my account.     I spoke with  XXXX   XXXX  at  Credit Control Service  who advised me that the debt had to do with auto insurance adjustments after I transferred my policy from  XXXX   XXXX   ( the  original debtor ) to another insurance company. I transferred the insurance as anyone would do by checking auto insurance rates and then choosing the best one. The replacement policy started on  XX/XX/2016    as is evidenced by the attached auto declarations.     I had no idea that I owed  XXXX  anything as policy premiums are paid in advance. If at all, I expected  XXXX  to refund any unpaid premiums to me.       XXXX   XXXX   at  Credit Control Service t ells me that  3  letters and  14 c alls were made to me. The  3 le tters were sent to an old mailing address which I never received. She then proceeded to ask me for my current address which she updated in the system. In addition she tells me that they tried to contact me  14  times on my cellular number - This is an outright falsehood. I am chained to my cellular phone on a daily basis and there is no way that I could have missed  14  calls to made to my cell phone number.      Credit Control Service , as expected, says that I should pay the debt and then they will mark the credit report collections account as PAID IN FULL. This is akin to someone holding a  gun t o someone 's head AFTER shooting them. My  credit score is down  by almost  XXXX  points since this collection account was reported on it. In addition, it will remain on my credit report for 5 years. How is this fair? In which scenario is this is a legal practice? This is nothing more than the vaunted predatory collection practice that the CFPB has been fighting against.     The final dagger in the  heart is Credit Control Services as king me to send them the declarations page of my replacement auto insurance policy to see if the debt is even valid. Essentially, they now want to verify whether I am supposed to pay this amount AFTER reporting my account to collections and hurting m y credit score.      I have had no due process, no chance to verify this debt, no idea of the existence of this debt and now am being hel d hostage to a negative report on my credit score  to force me to pay off a debt which even the credit collection service or  XXXX  can not verify. They need me to send them information in the form of my replacement auto policy to even verify that this debt is owed. ( I have attached the declaration page of my replacement policy to this page ).     I request the CFPB to take the strongest legal and punitive action agains t Credit Control Services and to have them remove this negative report from my credit   account. I am more than happy to pay any debts if and when they are verified.     Sincerely,  XXXX   XXXX

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