Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: SD

Complaint narrative:
What Happened : In XX/XX/XXXX, XXXX XXXX from Credit Collection agency contacted my place of employment regarding a wage garnishment and spoke directly with my manager, XXXX. This contact was made without prior notice or documentation and was both inappropriate and professionally disruptive. 

Later that same day, I called XXXX XXXX for clarification. She stated that my debt had increased to approximately {$12000.00} and claimed there was a judgment against me. However, the actual judgment amount is estimated to be around $ XXXX of dollars less than what they are attempting to collect. 

When I asked to set up a payment plan, XXXX refused. Upon reviewing my call logs, I discovered that she had contacted me every day that week before reaching out to my employer. As of today, XX/XX/XXXX, I have still not received any formal documentation regarding the wage garnishment. 

XXXX also claimed the debt was being reported to my credit file. However, I had my credit pulled in both XXXX and XX/XX/XXXX, and there is no record of this debt appearing on my report. 

Following these events, I ceased phone contact and sent a certified letter requesting written validation of the debt. As of this date, I have not received any response. Per the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide written validation of the debt within five days of initial contact. A company can not refuse to comply with this legal obligation based on internal policy. 

Additionally, the discrepancy between the actual judgment amount and the inflated balance being pursued raises serious concerns about misrepresentation and unlawful collection practices. 

Additionally, I was never properly served regarding the alleged debt. In XXXX, legal documents were delivered to my mothers address at XXXX XXXX XXXX XXXX # XXXX, despite the fact that I had moved out approximately XXXX year prior. As a result, I was unaware of the pending legal action, and the judgment was entered by default without my knowledge or opportunity to respond. As noted in my original complaint, I was actively residing at XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX, as confirmed by my lot rent records during that period, clearly demonstrating that service was made to an incorrect address. I can also supply more lot rent bills for this time as I still have those in my email. As well as my tax returns that have the XXXX address as my residency. 

This improper service deprived me of the opportunity to respond or defend myself in court, which raises serious concerns about the validity of the judgment and the agencys compliance with legal service requirements. The agencys continued attempts to collect, especially at inflated amounts, without acknowledging this procedural failure further underscores their disregard for consumer protections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation