Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Issue : I recently refinanced my mortgage, in the refinance closing the new annual insurance payment was due XXXX days after the refi closing. I had the lender/title company pay the full amount due for home owners insurance at closing. This was XXXX paid for annual home owners insurance. 

Just a few days prior to closing, we get a new insurance notice from XXXX XXXX XXXX that the premium is not ~ {$1300.00} but closer to {$2000.00} for the insurance. We then get another notice after closing saying XXXX XXXX will automatically charge the {$700.00} balance to my card on file to pay the difference between what they collected at closing and the new amount due. 

I was assuming everything is all good, then I get a debt collection notice saying {$66.00} is past due on this insurance policy and needs to be paid immediately. 

I try to call XXXX XXXX XXXX to get this resolved, seems easy enough. I call, leave a message, text and get no response at all from XXXX XXXX XXXX. There XXXXXX/XX/XXXXnumber never goes to a call center for customer service issues, it seems to only work for insurance claim issues. Customer service issues seem to get sent directly to the local agent office. This office has never responded to any call, text, email communication sent EVER. I can not resolve the issue with this agent office so I'm going to visit the office and cancel the policy or get it routed to another office - this is on my to do list. 

When I called XXXX XXXX to check if the policy is in fact in place, the policy is still in place and just fine. No issues with the policy. 

In the meantime, this collection agency does not want to hear my story, does not try to call XXXX XXXX XXXX to check any facts associated with this issue, makes no attempt to resolve this issue and then sends me threatening text messages stating they will be reporting this issue to credit agencies shortly for non payment. 

So basically, a {$2000.00} policy that between closing and charging my card or auto withdrawal from my bank account should be resolved gets sent to a debt collection agency XXXXXX/XX/XXXXon collecting {$66.00} on a policy that should be paid in full and XXXX XXXX reports as in place. I get no notice from XX/XX/XXXX ever stating there is any issue with payment EVER and now I have been forced to make a {$66.00} payment to avoid a bad credit notice on my credit report. 

THIS {$66.00} IS FRAUDULENT COLLECTION OF A DEBT NOT DELINQUENT!!! THIS COLLECTIONS AGENCY MADE NO ATTEMPT TO RESOLVE THE UNDERLYING ISSUE, MADE NO ATTEMPT TO FIGURE OUT HOW TO SOLVE THIS PROBLEM WITH ALL STATE AND HAS NOW THREATENED TO DAMAGE MY CREDIT ON A FRAUDULENT DEBT COLLECTION ISSUE. I PAID {$66.00} TO AVOID THE CREDIT REPORTING ISSUE AND WILL BE REVIEWING MY CREDIT TO SEE WHAT MOVE THE DEBT COLLECTOR MAKES NEXT. 

ALL STATE NEVER ISSUED ME WITH ANY PAYMENT NOTICE PRIOR TO SENDING THIS TO DEBT COLLECTION, NEVER ATTEMPTED TO RESOLVE THE {$66.00} DUE. I STILL DON'T KNOW HOW AND WHY {$66.00} IS DUE WHEN YOU SHOULD HAVE BEEN ABLE TO GET PAYMENT VIA A CARD OR OTHER MEANS BY CONTACTING ME. NOBODY AT ALL STATE OR THE DEBT COLLECTION AGENCY HAS EVEN ATTEMPTED TO SOLVE THIS PROBLEM IN A PROFESSIONAL MANNER. I HAVE BEEN FRAUDULENTLY FORCED TO PAY {$66.00} WITH NO RESPONSE FROM ANYONE. 

NOT ACCEPTABLE CUSTOMER SERVICE FROM ALL STATE OR THE DEBT COLLECTOR. ALL STATE INSURANCE HAS BEEN PATHETIC AND TO THIS DAY STILL NON RESPONSIVE TO MY CALLS OR TEXTS. 

DEBT COLLECTOR IS : XXXX XXXXXX/XX/XXXX 
XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX. 
XXXX

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