Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
File # XXXX Debit amount {$440.00} XX/XX/XXXX Credit Collections Services reported debit to all 3 Credit Bureau. 
XX/XX/XXXX Date noted on CCS collection Notice XX/XX/XXXX I received notice and made Payment XXXX confirmation # XXXX XX/XX/XXXX Confirmation Date stating per agreement payment was scheduled to be deposited on XX/XX/XXXX. 
I made payment arrangements- I do not remember date however, I know that I was still getting notices and I call CCS and they told me to disregard as arrangements had been made and as long as I paid they would keep in office as I advised them I was in process of purchasing a home. The lady advised no problem but it was already reported to Credit Bureau on XX/XX/XXXX with given me the opportunity to pay. 
XX/XX/XXXX - Date of letter advising of balance of XXXX with payment terms listed as " payment schedule was approved on XX/XX/XXXX with a payment instilments of XXXX to be deducted monthly from debit card ending in XXXX. Advised i would get payment reminders. 
I got notices and called couple more time oh no payment arrangements setup you may disregard letter. Okay thank you. 
XX/XX/XXXX my mortgage company advise me of open debit XXXX. I tried to attempt to understand what happen and XXXX Supervisor advised that is not what I needed to worry about ... '' How was I going to pay balance ''. Rude and unprofessional as I was shocked asI tried to ask what happen to payment arrangements and he keep speaking over me and would not give me clear information. I advised him I was not notified of any issue. He told me finally after going back and forth on phone that my credit card info was not valid. I advised he to read number back because in the document mailed to me on XX/XX/XXXX had the last 4 digits of my credit card info. I asked to forward me letter that was sent to me of this matter as I did not have or recall getting. He advise he could not send it to me ( my mortgage company ask me to get letter to show I was attempting to resolve this matter ). He advise he could not Reprint and my concern should be " How am I going to resolve this matter. 
XX/XX/XXXX immediately tried to ask XXXX XXXX for assistance they advised it was turned over to Credit Collections Services and I would have to contact them. 
XXXX Spoke with XXXX ask for letter regarding credit card issue - advised unable to assist with letter. Ask about how did this happen asked for Supervisor XXXX again no help to resolve wanted me to pay. 
XXXX spoke with XXXX XXXX @ XXXX pm paid XXXX to settle confirmation XXXX as they had already reported on my credit report. 
I did not understand how on XX/XX/XXXX you report debit and XX/XX/XXXX prepare email to advise " XXXX XXXX placed your account with this office for Collections. We look forward to working with you to resolve this matter. Thank you ''. They did not give the opportunity to address the matter. Yes, I agreed that I owed the debit and was will to resolve the matter. CCS confirm working with me but reporting to all 3 credit Bureaus. 
XXXX Filed claimant with XXXX  in regards to your complaint # XXXX. 
XXXX Notice from XXXX customer has not responded to complaint XXXX Tired to contact Credit Collection Service per Mortgage Company ask for a " Goodwill Adjustment '' for debit as as I had supporting documents that once notification was received I did try to respond within the timeline listed under the Federal Law of 30 days of notification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation