Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
XX/XX/XXXX RE : XXXX XXXX RE : Alleged Debt RE : Amount of {$590.00} XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT.

CREDIT COLLECTION SERVICES, I am writing about the deceptive debt collection notice I received from your company on XX/XX/XXXX. This debt is being DISPUTED, and DEMAND for both validation and verification of alleged debt pursuant to Fair Debt Collection Practices Act ( FDCPA ) and the Universal Commercial Code ( UCC ). Provide me the following : Validation of the alleged debt showing Lender followed Federal Laws 12 USC Sec. 1831n ( a ) ( 2 ) ( A ) and/or 12 CFR 741.6 ( b ) regarding Generally Accepted Accounting Principles and Generally Accepted Auditing Standards concerning this alleged debt. ( the actual accounting showing a debt according to GAAP ) Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bill of Exchange Act 1908, Section 23 ). 

Complete and return Affidavit for CREDIT COLLECTION SERVICES.

Provide the name, address, and telephone number of the ORIGINAL CREDITOR.

A copy of the original contract signed by both parties.

A copy of the signed agreement between CREDIT COLLECTION SERVICES and XXXX XXXX. 

Provide me with a true and certified copy ( NOT A PHOTOCOPY ) of the ORIGINAL Agreement ( Credit Agreement ), under PENALTY OF PERJURY and with UNLIMITED LIABILITY and confirm that the AGREEMENT has never been SOLD. Please confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions he/she has taken in relation to this account.

Provide a copy of the notice filed with the Iowa Attorney General to collect alleged debt. Include insurance bonds and business licenses if applicable.

Your failure to provide the documentation within ( 20 ) twenty days, from the above date of this notice, to validate and verify the alleged debt, will constitute your tacit agreement to the following terms : CREDIT COLLECTION SERVICES is NOT the holder in due course, CREDIT COLLECTION SERVICES do NOT follow Generally Accepted Accounting Principles and is in violation of Federal Laws, CREDIT COLLECTION SERVICES is a 3rd party debt
collector, That the alleged debt did not exist in the first place, OR It has already been paid in FULL, AND That any damages I suffered, CREDIT COLLECTION SERVICES will be held culpable.

Any negative information placed in my credit file is fraud and will be litigated.

You will NO LONGER pursue this matter any further.

You agree to pay ALL fee schedules.

Please note that I wish to deal with this matter in writing, and I do not give your organization permission to contact me by telephone, text, or email. Should you do so, I must warn you that the calls could constitute harassment, and I may act under the Federal Trade Commission. Please take this time to gather your documents accordingly.

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