Consumer complaint received 2022-04-27 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: NC

Complaint narrative:
I became aware of a negative mark on my credit reporting profile when I interrogated it prior to an auto loan today. I then became aware that this debt is in collections ( XX/XX/XXXX ). 

I then reached out Credit Collection Services who told me they sent me two notices to my address in XXXX  ( which was >1 year old at that point, as I had relocated to XXXX XXXX ). The first two notices were XX/XX/XXXX and XX/XX/XXXX. They were sent to XXXX XXXX XXXX XXXX XXXX  XXXX. Apparently the XX/XX/XXXX letter, which I would not have received, was an " intent to report letter ''. They then sent me two more letters, neither of which were verifications of the debt but rather stated the balance owed ( from what I have been told by credit collection services, I never opened these nor do I recall seeing them ). These letters were reportedly sent to my correct address at XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX. I was called once XX/XX/XXXX and left no message to call back or a number at which to do so. I have not been called since that time. 

I was reported to credit agency XX/XX/XXXX by per Credit Collection Services. To my knowledge I have not received any communication from them since that time. They report a letter having been sent, which I do not remember, about a balance due. They have not called me. They deny having informed me of having reported this balance to a credit service agency. 

Additionally, I can not confirm that why I owe this money to XXXX XXXX. Every time I call Credit Collection Services I get redirected to XXXX XXXX. I called liberty mutual billing to figure out what I owed and they could not find the policy number. I reported this to credit collection services who then told me to call customer service. I again called liberty mutual customer services rather than billing. They would not discuss with me and directly transferred me to Credit Collection Services. 

I am aware of the policy. I had been previously living in XXXX ( where the policy was written ). The policy was then automatically renewed in XXXX despite the fact that I no longer lived there and I was not driving the vehicle and had chosen not to register it in XXXX XXXX. I called XXXX XXXX to cancel the policy and they continued to bill me. I then put a stop on my credit card. I subsequently insured the car in XXXX XXXX with XXXX in XXXX. 

It's unclear to me how I can be reported as having an unsettled debt to a credit agency for greater than 4 months without any attempt to contact me. They are also providing no way to effectively dispute this debt. XXXX XXXX incorrectly renewed a policy written in XXXX for a vehicle that was outside of Texas and not being driven. I have been offered no avenue for resolving this dispute by either company. 

I want the debt cancelled and the negative remark removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation