Consumer complaint received 2025-05-23 00:00:00
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.
State: TX

Complaint narrative:
I request validation of this debt per XXXX XXXX XXXX XXXX XXXX which requires a debt collection agency or credit bureau XXXX  provide the alleged debtor with specific information concerning their debt including but not limited XXXX ; For the purpose of validation provide me with : The name XXXX address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor XXXX the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. XXXX ( a ) ( XXXX ). I did not sign any agreement XXXXor contract with this company regarding any allege debt. XXXX this company should provide a valid recorded copy of an assignment of transfer XXXX be able to attempt XXXX  collect on uncollectable debt after the statute of limitations. 

Texas XXXX bond information as required by XXXX. XXXX - my original signature on the application from the creditor - my original signature on an application with your office consenting XXXX any service Please note TXXXX XXXX XXXX XXXX are bonded in the state of Texas XXXX are required XXXX comply with XXXX XXXX XXXX. If a debt collector has failed to respond XXXX your debt validation request, then they have essentially admitted, per XXXX XXXX XXXX XXXX ( b ) ( XXXX ), that the debt in question is inaccurate. Per this requirement you must delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according XXXX  Sec. XXXX ( d ) ( XXXX ) Also per XXXX XXXX XXXX XXXX Correction of XXXX  -XXXX XXXX XXXX or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per XXXX. XXXX ( a ) ( XXXX ). 

This company is also attempting XXXX  collect debt that has exceeded the statute of limitations in the state of Texas. 

This company does not have my permission XXXX  call me on any cell phone I XXXX have possessed, currently possess or will possess in the future. They need XXXX cease XXXX  desist their threats XXXX sue requesting that I submit a written plaintiff statement in my defense XXXX schedule a time XXXX location for delivery of whatever, which is a violation of collection practices XXXX  threaten XXXX sue someone or delivery lawsuit/judgement items XXXX their place of employment. I am seeking an attorney XXXX  discuss a class action lawsuit as I believe this is their practice XXXX they are violating several laws includes XXXX XXXX XXXX XXXX ( b ) ( XXXX ), FCRA, FDCPA, Texas Debt Collection Act and TCPA XXXX XXXX Code XXXX. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney General 's office. I will also be filing a lawsuit in the state of Texas due XXXX the violation of the XXXX XXXX  FDCPA. 

Please reply with your response via XXXX MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. 
Please note I am fully prepared XXXX  pursue my rights for the harm this inaccuracy has done XXXX me. Sec. XXXX. CIVIL REMEDIES. ( a ) A person XXXX sue for : ( XXXX ) injunctive relief XXXX prevent or restrain a violation of this chapter; XXXX ( XXXX ) actual damages sustained as a result of a violation of this chapter. Please also note Texas XXXX. I demand that you will not sell, transfer, or assign this debt per Sec. XXXX ( a ) ( XXXX ). Regards.

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