Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint because Credit Collection Services ( CCS ) is reporting multiple collection accounts on my credit report but has failed to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

I have never received any required initial written communication from CCS for the debts they claim to be collecting and have reported on my credit report. Under FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), debt collectors must provide a clear written notice within five days of the initial communication. This notice must include the amount of the debt, the name of the creditor, and my right to dispute the debt within 30 days and request full verification. The importance of providing this notice is well-established in Spears v. XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), which confirms that failure to provide proper debt validation violates the FDCPA. 

On XX/XX/XXXX, at approximately XXXXXXXX XXXX, I spoke by phone with XXXX XXXX XXXX XXXX CCS for about 13 minutes. During this conversation, he explicitly confirmed that all mail sent by Credit Collection Services to me was sent by first-class mail only, without any tracking or delivery confirmation. 

XXXX XXXX specifically identified the following accounts : Infinity Insurance ( Account Number XXXX ) XXXX XXXX XXXX Account Number XXXX ) Esurance ( Account Number XXXX ) He confirmed that none of the required initial contact letters for these accounts were sent by certified mail with tracking or delivery confirmation. 

First-class mail can not be tracked and does not prove delivery. According to the United States Postal Service, only certified or registered mail provides tracking and delivery confirmation. The XXXX XXXX XXXX XXXX ( XXXX ) shows that 35 % of first-class mail is returned to the sender or is undeliverable as addressed. Simply sending legally required notices by untracked first-class mail is insufficient to ensure delivery and does not meet the requirements of FDCPA 809 ( a ) ( 3 ) or the standard confirmed in XXXX v. XXXX XXXX 

By failing to provide proper written notice of my rights for these accounts, CCS is not only violating the FDCPA but also the Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA ) and the Unfair Trade Practices and Consumer Protection Law ( UTPCPL ). The FCEUA ( 73 P.S. 2270.4 ( b ) ) adopts the FDCPAs requirements for debt collectors in Pennsylvania. Any FDCPA violation is automatically an FCEUA violation. The UTPCPL ( 73 P.S. 201-2 ( 4 ) ( xxi ) ) prohibits unfair or deceptive acts or practices that create a likelihood of confusion or misunderstanding. Reporting these debts to credit bureaus without verifiable notice is unfair, deceptive, and misleading to me as a consumer.

I request that Credit Collection Services be required to : Provide written proof that any required notice for each account was sent by USPS certified mail, including tracking records and my signed receipt ; Provide full debt validation documentation, including the name of the original creditor, a copy of the contract or assignment agreement showing their legal authority to collect each debt, and a complete itemization of each alleged debt.

I am including copies of CCSs reporting of these debts to XXXX  and a copy of my phone log from XX/XX/XXXX, as proof of my conversation with XXXX XXXX XXXX 

I respectfully request that the CFPB investigate these violations and require CCS to comply with all applicable laws or remove these accounts from my credit report. 

Thank you for your time and assistance in protecting my consumer rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX

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