Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.

Complaint:
I submitted this documentation to Credit Collection Services, notifying them that the debt is disputed on XX/XX/XXXX. The website gave me no confirmation that the documents were uploaded. Therefore, I followed up on XXXX XXXX XXXX XXXXXXXX and spoke with XXXX. He also refused to give me confirmation that Credit Collection Services had received my uploaded documents. XXXX also told me that despite the fact the debt was disputed that Credit Collection Services could and would report me to the credit bureau to damage my credit unless I immediately paid the amount in question. 

XXXX submitted the disputed debt to a collections agency without ever responding to my letter ( see below ) or giving me sufficient notice that they were submitted my debt to collections. Since my termination, my alarm was constantly beeping/malfunctioning interfering with my ability to work from home, despite my requests for their assistance. I have received numerous robo calls from XXXX to collect on the disputed debt, also interfering with my ability to work. I am a victim of XXXX XXXXXXXX who is struggling to support her children through a very difficult divorce without having received any child support from my children 's father. XXXX XXXX behavior is unconscionable. They are unresponsive and evasive, deliberately make the termination process very difficult to generate unwarranted charges for their customers. Note that I have a certified mail receipt for having sent this letter to XXXX on XX/XX/XXXX, in addition to documentation of my various communications with XXXX agents attempting to terminate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Collection Service XXXX XXXX XXXX, XXXX, MA XXXX XXXX : XXXX XXXX XXXX ( XXXX ) Dear Credit Collection Services : I am responding to your contact about collecting a debt. You contacted me by letter, on XX/XX/XXXX and identified the debt as XXXX XXXX XXXX in the amount of {$270.00}. 
I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. Refrain from reporting this information to any credit bureaus, as the debt is invalid and disputed ( see attached documents, to which I never received a response from XXXX XXXX XXXX ). 

My family has been going through extreme financial and emotional hardship in the last two years. The harassment we experienced through XXXX XXXX XXXX and its unconscionable behavior has heightened our distress. They deliberately make the termination process next to impossible for the consumer to generate unwarranted charges. 

Thank you for your cooperation. Sincerely, XXXX XXXX The Fair Debt Collection Practices Act ____________________________________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Corporate Headquarters XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX XXXX : Cancellation Effective XX/XX/XXXX and Outstanding Fees account number XXXX ; service address XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX security password = XXXX Dear XXXX : I am writing to confirm that I cancelled my account on XX/XX/XXXX by speaking with XXXX XXXX from account management XXXX XXXX, case number XXXX. 

Please immediately de-active my system so that it stops beeping with disruptive error messages and clear the past due balance from my account. 

I am cancelling due to repeated failed efforts at my expense to have your technicians repair my XXXX XXXX XXXX. I have been a customer for almost 13 years and have never experienced such terrible service as I've encountered in the past year. Representatives are increasingly difficult to hear, non-responsive/confused by anything I say, or struggle to communicate in XXXX. 

On XX/XX/XXXX, XXXX serviced my system, changing the battery of the brain, fixing the phone failure message, and ensuring that motion sensors were working properly. I mentioned to him that the last technician had ensure me that the system was working only for the system to malfunction one day later. In response, XXXX gave me his cell number and told me to text him if I had any issue. He assured me that he would return to the house and fix it. I sent him a text on XX/XX/XXXX to which he never responded, despite his assurances. 

I have not been able to even set my alarm at the most basic function in the past number of months due to multiple issues with the system. Consequently, after confirming cancellation, I asked XXXX XXXX to erase the balance on my account due to my not having received services. She indicated that I would need to speak with the billing department to dispute fees I have been charged for non-working services. 

Manager XXXX from the billing dispute department with employee number XXXX from XXXX, FL refused to remove the charges from my account indicating that account balances were only forgiven for customers that chose to remain with XXXX. When I told her that these are not fair business practices and asked to speak with her manager/supervisor, she told me that she did not have anyone above her -- that she was the end of the line for me and that I would have to pay. I asked her for the internal email that she contacted during our call and she refused to provide me with the information. 

I should not be penalized for cancelling my services after being a customer for over a decade. I have explained to your employees that our family has experienced XXXX and divorce both within the past year and that the problems with XXXX services have been an extreme hardship. I called 4 separate numbers to finally reach your account management department. I was repeatedly transferred, with the representative suggesting they would transfer me only for the phone to hang up. I was on the phone for at least three hours in an effort to resolve this yesterday. Termination should not be made so difficult by any company, let alone a security company that is responsible for its customers safety. 

In addition to phone failure, the motion sensors and door sensors have been malfunctioning, repeatedly startling me from sleep at XXXX XXXX in the morning. I am single mother and this is extremely frightening for me and my children. 

Please confirm cancellation of my account as of XX/XX/XXXX and remove all outstanding charges from my balance immediately, otherwise I will exercise all legal avenues available to me to remedy this situation. 

XXXX XXXX XXXX XXXX

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