Consumer complaint received 2024-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

On XX/XX/year> I purchased an auto policy ( policy number XXXX ) from XXXX XXXX XXXX in XXXX Texas. According to policy terms and condition I have to pay XXXX $ dollars per month. The policy duration was from XXXX, XXXX to XXXX, XXXX 
My XXXX agent in XXXX was a very respect full lady and she was very fair in her dealing. I never had any problem from her or XXXX. In fact I recommended XXXX insurance to many of my friends and relatives because of their fair dealing. In XX/XX/year> I move to XXXX Georgia. I telephonically informed my Texas agent of this new change. She sends me the email address of XXXX XXXX agency and told me I should contact them for the change of address on my current policy which will be valid till XXXX, XXXX. I contacted the XXXX XXXX agency through email and requested them to change the address on my existing policy so that in case of emergency I can avail the facility of road side assistance for which I am paying for in my policy discussed and mentioned above. 
I have record of this email conversation with XXXX XXXX XXXX who is an agent at XXXX XXXX agency. This conversation took place on XXXX XXXX. I paid the same amount of premium as I was paying before in XXXX but suddenly in XXXX when I tried to pay the premium of month of XXXX it was showing XXXX XXXX I asked the breakdown of that payment and the reason of this sudden increase. The agent at XXXX XXXX agency said this amount include the termination fee and premium of a new payment plan of a new policy ( policy number XXXX ). I right away mentioned that these new terms and conditions are not acceptable to me and never entered in to that new contract. ( I never signed and resend any documents send by that agency ) This was a surprise to me and an open violation of a contract which was already present between me and XXXX. As according to US laws a seller can not terminate a preexisting contract with a buyer on his own and can not force a buyer to enter into another contract, the terms and conditions of which are not at all acceptable to buyer at all. 
As XXXX XXXX agency which represent XXXX breach a contract on their own and customer service of XXXX XXXX agency was worst, In fact I believe all of their dealing was based totally on ripping off customers, falsification and fraud. 
Few days later I received two separate letters from debt collection agency asking for the amount I instantly replied them and ask proof of entering any contract with XXXX XXXX XXXX but never got reply from them. 
I am sure I do not owe them any money. I strongly believe I have ample and strong evidences to rightfully question the debt that XXXX XXXX XXXX claiming is mine. I request you to please kindly help me to remove this negative entry from my account and force XXXX XXXX XXXX to share validation documents. I am planning to buy a new car and because of all this falsification from XXXX XXXX XXXX I am sufferings a lot in terms of my credit score. 
I am attaching my entire conversation with XXXX XXXX XXXX agent and debt collection letters and my reply to them for a look.