Consumer complaint received 2015-06-02
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/2015 I contacted XXXX to cancel my auto policy before it renewed for the next term. The option to remove my payment information from my account was given to me and I verified with the associate over the telephone that I was paid in full and did not owe anything. She confirmed I had a zero balance and removed the payment information. I was previously sent XXXX shipping labels to return my XXXX devices and returned my device to XXXX ( Tracking # 's XXXX and XXXX ). My policy expired on XXXX, which is when my new auto insurance policy with XXXX began. 
Approximately XXXX/XXXX/2015 I received a notice from the XXXX XXXX XXXX, on Credit Collection Services letterhead. The notification stated that I had {$100.00} past due to XXXX. Upon contacting XXXX about this charge, they had not updated their system with my returned XXXX and had incorrectly charged a {$100.00} restocking fee for XXXX of the XXXX devices. I was sent an email on XXXX/XXXX/15 stating my device had been received and the {$100.00} fee was removed from my account. The associate who removed the fee from my account stated in a recorded conversation that she would contact the credit collection company to remove the {$100.00} past due and would contact her manager regarding removing the {$6.00} as well and " let me know '' what was decided. XXXX never contacted me to followup on this matter. I was called on my cell phone the next day from the Collection Agency attempting to collect {$100.00}. I refused to pay, as I had been told I did not owe {$100.00} and likely did not owe {$6.00}. I called XXXX again on XXXX and XXXX and paid the {$6.00} when the associate could not tell me what the fee was for, but I just wanted to clear my account balance. I spoke to a supervisor who told me that she would submit a " ticket '' to have the collection service agency notified of my zero balance. On XXXX I also called the credit collections service and spoke to a supervisor who told me ( in another recorded conversation ) she would put my file on hold and I could fax her a printout from my online XXXX account refecting my zero balance and my Declaration page from XXXX. I confirmed that the XXXX declaration page was what she wanted with the statement they sent as letterhead. On XXXX, I contacted the Collections service again because they still reflected a {$100.00} past due amount. I was told they had not received any information from me, despite my fax confirmation I had received when I sent the requested documentation. She said they did not keep any paperwork on file and that I would have to resend the fax because they did not scan documents or have the documents I already sent on file. I have since received a letter from XXXX, on their letterhead, reflecting my zero balance. I have faxed this, along with the previous documents I had faxed to the collections agency XXXX times since XXXX ( XXXX on XXXX and XXXX today [ XXXX ] ). 
The credit collections service still shows a past due amount of {$100.00}. I spoke with " XXXX '' at XXXX on XXXX who verified that XXXX ticket was already submitted to the credit collections but he submitted a second while on the phone with me. 
I am issuing an official complaint since they have not taken action to rectify this situation before and adverse credit report is made in my name. I DO NOT owe XXXX money and this information and documentation has been sent REPEATEDLY to the collections service since receiving the mailed notice around XXXX.

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