Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Credit Collection Service XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Debt and Violation of Fair Debt Collection Practices Act ( FDCPA ) Re : Account # XXXX Dear Credit Collection Service XXXX I am writing to formally dispute the validity of the debt referenced in your correspondence [ insert reference number, account number, or date of communication ]. I believe that this debt is not valid, and I am requesting that you provide verification of the debt, as required under 15 U.S.C. 1692g. Specifically, I am requesting that you provide : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original signed agreement or contract.

Additionally, I would like to formally address some issues related to your communication practices, as I believe they may violate the Fair Debt Collection Practices Act ( FDCPA ). These violations include, but are not limited to, the following : Violation of 15 U.S.C. 1692c Communication with Consumers : Under 15 U.S.C. 1692c, debt collectors are prohibited from communicating with consumers in certain situations. Specifically : 1692c ( b ) : You have communicated with third parties regarding this debt, which is not permitted without my express consent.

1692c ( c ) : I have requested that you cease communications with me, but you continue to contact me, which violates my right to request no further communication.

Violation of 15 U.S.C. 1692d Harassment or Abuse : Under 15 U.S.C. 1692d, debt collectors are prohibited from using harassment or abusive conduct in connection with the collection of a debt. Specifically : 1692d ( 5 ) :
You have engaged in conduct that is harassing, by leaving this on my credit report and the account stating its an Open Account I request that you cease any further communications with me unless you provide the requested validation of this debt, as required by law, and ensure that all future communications fully comply with the FDCPA.

Required Actions : 1. Please provide verification of the debt, including any documentation that substantiates the claim. 2. Cease all communications with me exce
pt for the required validation of the debt.

3. Immediately halt any further violations of the FDCPA.

Please take this matter seriously and provide the requested verification and clarification within 30 days of receiving this letter, as required by law.

I have filed a complaint with Consumer Financial Protection Bureau ( CFPB ). If you do not comply with this request, I will have no choice but to file a complaint with the Federal Trade Commission ( FTC ), and my states attorney general.

Thank you for your immediate attention to this matter. I expect to hear from you soon regarding the resolution of these issues. 
Sincerely, XXXX XXXX

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