Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Dear Sir/Madam : This letter serves as notice that the bill for {$580.00} by XXXX XXXX for insurance coverage provided for XXXX and XXXX is incorrect. Billed services for XXXX XXXX insurance coverage past XX/XX/XXXX were NOT consented by XXXX or XXXX. At XXXX XXXX. on XX/XX/XXXX, XXXX notified XXXX XXXX XXXX at XXXX of desire to discontinue insurance coverage at XX/XX/XXXX ( which was the scheduled date of expiration of prepaid insurance coverage ). I replaced my insurance coverage with XXXX XXXX XXXX, effective XX/XX/XXXX at XXXX XXXX 

I received a letter from Credit Collection Services in the mail, dated XX/XX/XXXX. Letter requested correspondence stating whether or not I want to dispute the debt, I want to send the name and address of the original creditor, or enclose payment. Because I was concerned that such letter could have been fraudulent, I directly contacted XXXX XXXX XXXX customer service at XXXX. On XX/XX/XXXX, at XXXX XXXX. ( after holding for 40 minutes ), I spoke with XXXX XXXX representative XXXX, who informed me that insurance coverage was in fact not renewed, and that I would not be responsible for payment of {$580.00}. XXXX informed me that providing proof of new coverage with XXXX XXXX would adequately suffice as proof that I would/should not be billed for further coverage with XXXX XXXX after XX/XX/XXXX. I provided my XXXX XXXX auto insurance coverage policy number to XXXX. XXXX then spoke to a manager and assured me the bill and insurance coverage would be confirmed as retroactively terminated on XX/XX/XXXX. XXXX also stated that I would not be liable for coverage I did not consent to. Furthermore, I asked XXXX regarding correspondence to Credit Collection Services. XXXX informed me that although he could not provide confirmation number or documentation, that the case would be resolved and Credit Collection Services would be informed to not pursue any further debt collection. 

Please be aware that by contacting XXXX XXXX on XX/XX/XXXX, I satisfied requirement to provide notification of incorrect charges within the mandated time frame by XX/XX/XXXX. As such, I should not have received any further debt collection notices from Credit Collection Services, at least until such agency provided further information showing that I owed any debt. 

I received another letter from Credit Collection Services dated XX/XX/XXXX, stating, This notice will serve as a Credit Reporting Alert that adverse credit information is scheduled to be reported to one or more of the three major credit bureaus. Upon receiving this letter on XX/XX/XXXX, I immediately contacted XXXX XXXX. At XXXX XXXX  on XX/XX/XXXX, I contacted XXXX XXXX at XXXX. I spoke with XXXX XXXX, who transferred me to Agent XXXX. Agent XXXX then informed me that I should speak to another department for issue resolution. I was then transferred to XXXX, representative at XXXX XXXX XXXX, at XXXX. During the course of discussion with all XXXX XXXX employees, I notified all agents of XXXX XXXX  decision on XX/XX/XXXX to cancel incorrectly applied charges. XXXX, representative at XXXX XXXX XXXX, informed me that the backdated request document was sent to the wrong department at XXXX XXXX, which resulted in failure of appropriate notification to Credit Collection Services. XXXX stated that documentation of case dated from XX/XX/XXXX should had been sent to Auto Insurance Department. XXXX assured me that she again submitted the adequate form with backdated application to her department which would result in case resolution and withdrawal of debt collection attempts from Credit Collection Services. Despite request for confirmation with documentation, XXXX could not provide such information. XXXX stated that I could instead call XXXX XXXX back on XX/XX/XXXX to confirm the status of debt collection cancellation. 

I contacted Credit Collection Services at XXXX XXXXXXXX XXXX. and held for 17 minutes ; no one answered the call and I was disconnected. I contacted Credit Collection Services once again at XXXX at XXXX XXXX. on XX/XX/XXXX. After remaining on hold for 12 minutes, the customer service representative answered and promptly disconnected the call before I could appropriately inform him of the existing situation. 

I have been an excellent customer of XXXX XXXX since XXXX. Despite 8 years of patronage to XXXX XXXX, I find myself being harassed by XXXX XXXX debt collection agency for charges I did not consent to. Furthermore, despite going through the appropriate channels repeatedly within XXXX XXXX  customer service department, I still find myself facing such harassment. At best, such harassment is due to bureaucratic incompetence within XXXX XXXX. At worst, it is evidence of a systematic practice intended to defraud its former customers. I am certain that any potential chance of my returning to XXXX XXXX or recommending any friends or family to XXXX XXXX have been completely annihilated by this fairly unpleasant process. 

Please do not report this incorrect bill to a credit reporting agency. This is a legitimate billing mistake. This letter serves as documentation that XXXX has gone through the usual dispute channels. If my credit is damaged due to incorrect reporting to a credit reporting agency, under the FCRA, I am entitled to sue for : Statutory damages of {$100.00} {$1000.00} per violation Actual damages for injury the consumer suffered Emotional damages for stress or physical ailments resulting from the ordeal Punitive damages to punish the violator for their actions Thank you very much for your time and corrective action. 

Sincerely, XXXX