Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
Subject : Dispute of Collection Account and Request for Debt Validation and Verification Dear Sir/Madam, I am writing to formally dispute the collection account associated with CREDIT COLLECTION SERVICES ( Reference File # XXXX ), regarding an alleged debt from XXXX XXXX XXXX. Below, I provide a detailed history of the events and cite relevant laws to support my dispute. 

History of Events - XX/XX/year> : I called my XXXX XXXX XXXX  Agent in the third/fourth week of XX/XX/year> to cancel my policy effective XX/XX/year>, due to securing a new policy with XXXX XXXX XXXX The agent did not respond to my voice message. 
- XX/XX/year> : I sent an email to the agent to cancel my policy, including proof of my new XXXX XXXX policy. 
- XX/XX/year> : I noticed a pending charge of {$250.00} for the XXXX monthly insurance payment. 
- XX/XX/year> : After failing to reach the agent again, I used XXXX XXXX online customer service chat. Representative XXXX XXXX confirmed that my policy was canceled as of - XX/XX/year>, and stated I would receive a refund of approximately {$510.00} for XXXX and XXXX. 
- XX/XX/year> : I received a termination letter from XXXX XXXX, stating the policy was canceled as of XX/XX/year>. However, I never received a check or a refund to my credit card. 
- XX/XX/year> : I called my credit card company, XXXX XXXX, which confirmed no refund from XXXX XXXX. XXXX XXXX  began an investigation and issued provisional credits for XXXX and XXXX payments. 
- XX/XX/year> : XXXX XXXX sent a letter stating an outstanding balance for XXXX and a bank reversal for XXXX, totaling {$510.00}, despite no refund being issued. 
- XX/XX/year> : XXXX XXXX  concluded their investigation, confirming that XXXX XXXX never issued the refund. The provisional credits of {$510.00} were made permanent. 
- XX/XX/year> : I received a message from CREDIT COLLECTION SERVICES, a debt collector, regarding an alleged debt to XXXX XXXX XXXX. 
Request for Debt Validation and Verification I hereby dispute owing any and all debts to CREDIT COLLECTION SERVICES. Additionally, I revoke all rights for the collection agency to communicate with me via email, text, or calls. 

I request the following : 1. Debt validation with supporting documents from XXXX XXXX showing that they issued a check that was cleared or processed a refund to my card on file. 
2. The purchase agreement between CREDIT COLLECTION SERVICES and the original creditor, XXXX XXXX XXXX. 
3. Proof that CREDIT COLLECTION SERVICES is licensed and bonded. 

Legal Citations - The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report.

- I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
- The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. 
- The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

Given these circumstances, I urge the CFPB to investigate this matter promptly. The collection agency 's actions are causing undue stress and damage to my credit report for a debt I do not owe. 

Thank you for your attention to this matter.

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