Consumer complaint received 2023-06-07
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  of XXXX, I contacted my agent at XXXX XXXX XXXX XXXX Insurance for the possibility of replacing a vehicle on my insurance policy with a new car. XXXX asked for the VIN and other information to run an accurate estimate which they gave to me, but I asked to wait, didn't sign to confirm, as I needed to shop for other insurance companies to check for a lower premium. 
Days later, on XX/XX/XXXX, I decided to enroll on an auto policy from another insurance company, XXXX, who had lower rates, and they automatically canceled my XXXX insurance policy. 
I was able to confirm the cancelation because that same day, I received a refund of {$53.00} from XXXX for an overpayment on my insurance premium as it was early on in my current billing cycle and my payments were setup on their Auto Pay system. Since I did not sign for the change, and because I got the refund, I assumed that I had owed nothing to XXXX. I also enrolled in their paperless billing options, and had not received any email saying that I had to pay them anything or that there was an outstanding balance in my account with XXXX. 

Flash forward to XX/XX/XXXX, I received a notification from XXXX XXXX XXXX, XXXX, XXXX and my banking apps that my credit score had gone down because of a collections account under my name from CCS Collections Agency initiated by XXXX XXXX XXXX ( XXXX ). 
On XX/XX/XXXX, I called XXXX and asked them to kindly remove the collections under my name, explaining to them what had happened. The representative told me that there was nothing they could do to remove the balance because it was valid in their system as the car was added on my policy even without me confirming or signing for it. Frustrated, I asked if they would notify CCS to remove me from collections if I just paid them the {$95.00} that was in collections, and their representative agreed so I paid it over the phone just to get it over with, even though I know for a fact that the {$95.00} charge was not valid. I have also filed disputes to the credit bureaus and they approved my disputes and adjusted my consumer scores. 

This past week however, I have been going through a process of buying my first home, but my credit history still shows the collections from CCS on my record, and it has hindered me to qualify for a mortgage. I called both XXXX and CCS, pleaded my case with them, but both companies refuse to help me delete/remove the collections records on my credit history. All they gave me were receipts of my payment, which does not help restore my credit scores to the way they were in order to qualify for a home loan. This predatory practice from both XXXX XXXX and CCS Collection Services have destroyed my credit history and damaged my eligibility as a potential home buyer. I have XXXX credit card debt, and have not missed a single bill payment. This is the only record on my Credit Report that is hindering me from being approved to purchase a home.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation