Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Received a text on XX/XX/XXXX that Credit Collection Services was attempting to collect a debt from XXXX XXXX XXXX. This is not a debt that I owe as I had never agreed to receive service from XXXX and they charged me anyway and sent my amount due to collections. Received another text from Credit Collection Services on XX/XX/XXXX with the same message. Spoke with representative of Credit Collection Services over the phone on XX/XX/XXXX and informed her that this was not my debt and that I had other coverage during this time with Progressive. Representative informed me that I would need to upload the Declarations page from Progressive to dispute the debt. I informed her that I did not have it and stated that I could upload my insurance card with the policy number and effective date of the policy instead to which she stated was satisfactory and gave me a pin number to upload it to their website. I attempted to upload the insurance card after the call but forgot the pin and was unable to upload it at this time. Received another text message from Credit Collect Services on XX/XX/XXXX that they are attempting to collect for XXXX XXXX XXXX for {$140.00}. Again, I do not owe this debt as I was insured at the time by Progressive. Spoke with representative at Credit Collection Services on XX/XX/XXXX to attempt to retrieve a new pin number to upload the document to their website. She stated that I would need to sign up for their email program or that I could fax the document to them and also demanded that the Declarations page be uploaded as the only acceptable form to dispute the debt. I informed her that per my previous conversation with their representative that I had been given a pin to upload the document and that I did not want to be signed up for an email program she then attempted to argue and state that the only way they could receive the document was for me to sign up for the email program to upload it or to fax the document to them. I also informed her that the previous representative had stated that my insurance card with the effective date and the policy number were acceptable to dispute the debt to which she stated it must be the declarations page. I informed again that I did not want to do the email program and that she could give me the pin as they had done before and allow me access to upload my document and that if it was unsatisfactory they could inform me later of that. She then stated that it was " not a problem, ma'am. I can provide you with the pin. '' After she gave me the pin I then hung up with her and used the pin to access the website and uploaded my insurance card to the website. I then called Progressive and obtained a copy of my Declarations page, reaccessed the Credit Collections Services website using the pin, and uploaded the Declarations page from Progressive.

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