Consumer complaint received 2021-03-13
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was purchasing auto insurance from XXXX XXXX online .After filing out the online forms I received a call from XXXX XXXX rep I was given a quote on insurance for my truck. i thought was a little high and the rep said he could give me a discount if i had home owners policy with them liberty mutuall. I told the rep I dont own a home I would ask for a price on renters insurance but I only rent a room. I paid a deposit for the auto insurance and a link to my online account was emailed to me so I could access insurance cards for my truck .. I tried the link in the email several times with no success so I contacted liberty and the customer rep tried to help but could not get me in.so My account lockout was sent to technical support who called me and after several attempts they could not get me into my account. Tech support called back a little while later and said I was login into auto but my primary was homeowners and I was like no its not I dont own a home and did not ask for homeowners insurance. The tech was like oh really ok I will fix here and notify the underwritter I believe she said. It was removed from my account as far as I could see online. then 3 months later I get a bill in mail for home owners policy I called explained everything written above and was told it would be removed after lengthy argument that I never ordered ho.eowners insurance that I dont even own a home I rent a room. I was so ticked off that I was still fighting this 3 months later I canceled my auto. insurance and went to XXXX for car insurance.. 3 months later I get another bill from XXXX for Homeowners policy .now Im feed up I open bill Write on it I do not have a home for you to insure I have spoken on phone to several XXXX reps tech support. Please fix this. another 3 months pass and I receive another homeowners bill from XXXX This time I write a hand written letter explaining everything written above and that I will not be bullied into pay for home owners I never asked for or on a home that is not mine. And to cease all contact by mail phone or in person I am done with this company and the fraudulent scams that they run. I stick in envelope and send back to XXXX I ignore any attempt at contacting me as I have asked them to stop. A few months later I get a credit alert and sure enough a home owners policy I did not ask for, explained to at least 7 different personal from XXXX by phone and or mail that I dont own this or any other home I rent a room yet It is on my report hindering my attempts at renting an apartment buying a car. I notify the credit bureau XXXX with a dispute I explain and XXXX asked for more prof. How the heck do I prove i dont have something that XXXX claims I did. Ask tbem to prove I did they cant because I did not have never signed anytbing did not agree verbally to anything tell them to prove .How do I prove I didnt. 15 days later results from dispute are posted a statement of dispute is added say what Not that liberty has shown prof but that I did not have enough supporting documentation. Are you kidding me that is my prof there is no documentation because it never happened I never had. this is preventing me from getting myself and my XXXX XXXX XXXXXXXX XXXX daughter who has XXXX off the streets and in an apartment Please Help stop these criminals

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