Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This is concerning disputed, illegal and abusive debt collection tactics for XXXX dates of service for XXXX XXXX. Credit Collection Services is aware of my dispute yet they continue their illegal behavior. As for the dates of service, one is for XXXX  services on XX/XX/XXXX which Credit Collection Services is falsely stating I owe {$460.00} even though their client, XXXX XXXX never filed a claim with my insurance company. The other is for XXXX  services on XX/XX/XXXX in which Credit Collection Services is falsely stating I owe {$17.00} even though their client, XXXX XXXX never filed a claim with my insurance company. I have had the same insurance ( XXXX  ) since XXXX so there is no excuse to why the claims were never filed. Their client, XXXX XXXX filed with my insurance and were fully paid for XXXX other separate claims in XXXX so they definitely had my correct insurance information. I didn't owe anything for the claims as I had hit my maximum out of pocket for the year. They simply neglected to file claims for the XXXX dates of service and are attempting to collect the full amount, as if I didn't have insurance, which I did. I spent an hour on the phone with my medical insurance company, XXXX  and they verified that XXXX XXXX NEVER submitted claims for the services on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has now sent these XXXX false bills to Credit Collection Services ( CCS ) and they are harassing me and family members with phone calls and sending me threatening letters. I have filed complaints with the XXXX  & the MA & TX Attorney General 's office against Credit Collection Services and against XXXX XXXX with the Texas Department of Insurance. Texas has a timely billing law. It requires health care service providers to bill insurance no later than the first day of the XXXX month after services were provided. If the bill is not sent within the time frame in the law, the health care service provider can not try to collect payment for certain charges. This includes : charges a patient could be reimbursed for by a health plan and charges that a patient would not have owed if the provider filed a claim in a timely fashion. I disputed the validity of the debt that CCS is attempting to collect. Upon researching CCS online, I found an astonishing number of reports where they illegally reported medical debt that was not actually owed at all to the credit bureaus and refused to correct their illegal reporting even though the CFPB told debt collectors and consumer credit reporting companies that they cant collect, furnish, or report any invalid medical debt. There are also many reports where CCS retaliated against consumers for filing complaints by illegally reporting false debt to the credit bureaus and refusing to remove the false information. The CFPB has received an enormous amount of consumer complaints against CCS and I pray that the CFPB will take action to stop this abuse.

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