Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
In XXXX, while living in XXXX, I opened a car policy with XXXX XXXX. In XXXX of XXXX, I relocated to XXXX XXXX Sometime in XXXX, I contacted XXXX XXXX to update my information. In XXXX, I switched to a new insurance company ; the policy started on XX/XX/XXXX. According to XXXX XXXX rules, the new agent sent XXXX XXXX the appropriate form to cancel the previous policy. My new agent promptly provided the necessary cancellation forms to the insurance company on multiple occasions ( XXXX XXXX and XXXX XXXX ) ( please see the attachments ). 

Between XXXX and XXXX, I received multiple letters from XXXX XXXX demanding payments. The numbers did not match my previous policy. I tried numerous times to contact XXXX XXXX and could not find a solution. Further, when I tried to log in to the XXXX XXXX portal, the website stated that did not have a profile ( please see attachment ). 

In XXXX, I talked to a XXXX XXXX representative who explained that I had two policies, one for XXXX  and one for XXXX XXXX. When I called to update my information, the XXXX XXXX agent created a new policy, effectively over-insuring me and illegally charging me for two policies. In that conversation, the representative explained that I could cancel the policy for XXXX  but not XXXX XXXX because the latter requires a Cancelation Request/Policy Release form to be turned in. I explained that the agent at my new insurance company had provided that information. The XXXX XXXX representative said she did not see the form. 

I requested the new agent to submit the form once again. In total, she submitted the form three times. Further, she called XXXX XXXX. XXXX XXXX acknowledged they had received the cancelation form. 

In XX/XX/XXXX, XXXX XXXX sent the North Carolina DMV a no-insurance notice. Because of this notice, North Carolina canceled my registrations and plates- even though I was fully covered through my new policy. 

On XX/XX/XXXX, I received a text message from " Credit Collection Services '' regarding my previous account with Framers Insurance. I received other text messages on XX/XX/XXXX, for a total of three text messages. The text messages stated that I should contact XXXX or www.ccsnotice.com, reference file # XXXX ( please see attachment ). 
Another text message stated that I should contact XXXX or www.ccspayment.com. 

When I contacted the debt collector, I requested documentation and clarified that I intended to dispute the debt. The debt collector representative said I should get the paperwork within 30 days. I am still waiting to receive correspondence from the debt collector. 

I am disputing this debt for the following reasons : 1. The debt is not valid. XXXX XXXX illegally created two policies for identical vehicles and failed to follow proper procedures when the company 's agent provided the necessary forms. 
2. The debt collection company still needs to provide documentation regarding this debt. 
3. The collection company contacted me on a Sunday.

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