Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Subject : Formal Complaint Regarding Unfair Debt Collection by XXXX Payment for an Unsolicited XXXXXXXX XXXX Policy To the Consumer Financial Protection Bureau XXXX CFPB ), I am writing to file a formal complaint against XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX and their designated collection agency, XXXX  XXXX  XXXX I believe I am the subject of an unjust and predatory debt collection effort for an XXXX  policy I never authorized or purchased. 

In XX/XX/XXXX, I requested a XXXX  insurance quote from XXXX. It is crucial to note that this was solely a request for a price estimate, and at no point did I agree to or purchase a policy from them. I have been continuously insured with my current provider, XXXX, since XXXX and have never had a lapse in coverage. 

Recently, I was contacted by XXXX XXXX, a collection agency, demanding a payment of {$500.00} for an outstanding balance with XXXX. I immediately informed the XXXX Payment representative over the phone that I was disputing the entire amount. I explained that I had only requested a quote and never entered into a policy agreement with XXXX or XXXX. 

The response from XXXX XXXX was deeply concerning. Their representative insisted that to dispute this claim, I am required to provide them with a copy of my current homeowners insurance policy from XXXX as " proof. '' I am not comfortable sharing my personal insurance details with a collection agency for a debt I do not owe. My existing relationship with XXXX is a private matter and should not be a prerequisite for disputing a policy I never consented to. 

It is my firm belief that this demand for my current policy details is an inappropriate and potentially unethical tactic. The burden of proof should be on XXXX to demonstrate that a valid contract was established, not on me to prove my loyalty to my existing insurer. 

The actions of XXXX, XXXX, and XXXX XXXX appear to be a coordinated effort to coerce consumers. The practice of initiating a policy and engaging a collection agency based on a simple request for a quote is deceptive and predatory. 

I respectfully request that the CFPB investigate this matter thoroughly. I seek the following resolutions : - An immediate cancellation of this illegitimate debt of {$500.00}. 

- A formal acknowledgment from XXXX, XXXX, and XXXX XXXX that this account has been closed with no adverse impact on my credit history. 

- An investigation into the business practices of XXXX and XXXX regarding how they handle insurance quotes and policy initiations to prevent other consumers from facing similar XXXX. 

Thank you for your time and attention to this serious issue. I have shared below the email I sent to XXXX 's customer support for your reference. I am prepared to provide any further information required for your investigation. 

PS : You can reach out to my XXXX agent ( see details below ) to verify my policy with XXXX for the last XXXX years. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX IL XXXX ( XXXX ) XXXX XXXX Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subject : Urgent : Unauthorized Policy Activation and Collection Notice - Policy Inquiry for XXXX XXXX, IL. 

To Whom It XXXX Concern at XXXX XXXX, I am writing to formally dispute the activation of a homeowners ' insurance policy in my name and the subsequent payment demands and collection notice I have received. To be unequivocally clear, I have never confirmed my intent to purchase a policy from XXXX, and I have not submitted any form of payment to activate coverage. 

My interaction with your company was limited to requesting a premium quotation through your website. The online form required me to register an account to view the quote, which I did. This is a standard practice I have followed on numerous insurance provider websites, including XXXX 's in previous years, for the sole purpose of comparison shopping. 

At no point did I : Formally agree to purchase the policy. 
Authorize the cancellation of my existing homeowners ' insurance policy. 
Provide any payment information or authorization for the first premium. 
It is standard industry practice that a new insurance policy is not bound or activated until the applicant has made the initial premium payment. I am therefore perplexed by your company 's process of initiating a policy and proceeding to collections without this fundamental step being completed. 

Recently, I received a notice from a collection agency regarding this matter. This action is entirely unacceptable and represents a serious procedural failure. Initiating collections for a policy that was never contractually agreed upon is a misuse of my personal information, which was provided only for a quotation. 

This experience appears to validate numerous online reviews that I have since read, which detail similar issues with billing and policy management at your company. 

I demand the following immediate actions : XXXX cancellation of any and all policies wrongfully activated in my name. 
Written confirmation that I owe no outstanding balance to XXXX XXXX. 
XXXX withdrawal of my account from the collection agency. I expect you to resolve this matter with them directly and provide me with written proof that the collection has been rescinded and that this will not impact my credit history. 
Please be advised that if this issue is not resolved to my satisfaction, I will not hesitate to file formal complaints with the Better Business Bureau ( BBB ) and the Illinois Department XXXX XXXX to report what I can only describe as predatory and unacceptable business practices. 

I expect a prompt response and resolution to this matter. 

Sincerely, XXXX XXXX, IL

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief