Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : This letter is in response to your attempts to collect a debt, which you have reported to the national credit bureaus. I am formally disputing this alleged debt under the protections granted to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Be advised that I am requesting a full and complete validation of the alleged debt pursuant to 15 U.S.C. 1692g ( b ). This is not a request for " verification '' that you have my mailing address ; I am demanding compelling evidence that I have a legal obligation to pay you and that you have the legal right to collect it.

To satisfy this validation demand, you must provide all of the following : Proof of a Legal, Enforceable Contract : Provide a copy of the original signed agreement between myself and the original creditor that establishes the underlying debt and the terms of repayment. This document must demonstrate that I consented to the original credit arrangement. 

Complete Accounting and Chain of Title : A detailed itemized accounting of the alleged debt, showing the principal, all interest, and all fees, along with the specific calculations used to arrive at the current amount. 

A complete and unbroken chain of assignment, from the original creditor to your company. You must provide documentation proving each transfer, demonstrating your legal standing to collect this specific debt. 

Proof of Legal Standing : Provide documentation demonstrating that your company is duly licensed and bonded to collect debts in the state of California.

Proof of Statute of Limitations : Provide a legal justification confirming that the collection of this debt is not time-barred by the statute of limitations in the state where the alleged agreement was made or in my state of residence. 

Your current claims are unverified and incomplete. Please be aware that reporting an invalidated debt to any credit reporting agency may constitute defamation of character, and continued collection activity without validation is a violation of the FDCPA.

CEASE AND DESIST DIRECT CONTACT : Furthermore, pursuant to 15 U.S.C. 1692c ( c ), I hereby revoke any prior permission to contact me by telephone. All future communications must be in writing and sent via the United States Postal Service to the address listed in this letter. 

Be advised that if you fail to provide the requested validation, you must immediately and permanently cease all collection activities, including reporting this alleged account to XXXX XXXX XXXX XXXX You must also direct any subsequent owner of this alleged debt to comply with this permanent deletion directive. 

Failure to comply with this validation request and the FDCPA will result in my immediate filing of complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General. I will also not hesitate to pursue all available legal remedies against your company for violations of the FDCPA, including statutory damages, actual damages, and attorney 's fees. 

I expect your compliance within 30 days of your receipt of this letter. 

Respectfully, XXXX XXXX

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