Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX & XXXX I received a text notification from a collection agency to give them call of unknown debt Without any information about the debt. 

So this is my validation request : Credit Collection Services XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> RE : Validation of Debt To Whom It May Concern : I am writing in response to the recent text messages I have received from your agency regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am exercising my right to request full validation of this debt to verify that your agency has the legal authority to pursue this matter. 
Please provide all of the following information : 1. Proof of Ownership : Documentation showing that your agency has the legal right to collect on this debt, including the original creditors name, date of the original debt, and chain of ownership to your agency. 
2. Account Details : A copy of any contractual agreement that binds me to this debt and proof of the amount owed, including a breakdown of all interest, fees, and charges added to the original amount.

3. Verification of Compliance : Written evidence that your agency is compliant with the licensing and registration requirements in my current state of residence, New Jersey, as well as adherence to all local and federal regulations. 
4. Cease Text Communications : Under the Telephone Consumer Protection Act ( TCPA ), I request that all future communications be limited to written correspondence only. Any further text communication may constitute a violation of my rights. 
5. Dispute Statement : This letter serves as notice that I am disputing the validity of this debt until you provide sufficient documentation as requested. 
6. As required by the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must send a written validation notice within five days of their initial contact with a consumer about a debt. This notice should include essential details such as the amount of the debt, the name of the original creditor, and instructions on how to dispute the debt if necessary. To date, I have only received text message communications from your agency without any such written notice. This lack of formal documentation may constitute a violation of the FDCPA, as text messages alone do not satisfy the requirements for debt validation. 
Please note that any continued attempts to collect this debt without providing the requested information may be a violation of the FDCPA and other consumer protection laws. I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies should you fail to comply with this request. 
Thank you for your prompt attention to this matter. I expect a response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief