Consumer complaint received 2024-02-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I have been lied to several times about about receiving my refund for a mistake that my agent XXXX XXXX made. Also I was advised that I would be speaking with a manager from Customer Relations within 24 hours that had to be over a week ago I havent received a call as of yet. I also was advised by several of your agents that my refund was sent out yet I still have not received it no one pays auto insurance twice in less than two weeks I was charged almost XXXX XXXX dollars for a mistake by XXXX XXXX that could have been prevented I have sent In documentation and no one has responded to my concerns. I called XXXX XXXX office in XXXX concerning my auto insurance going up to an astronomical rate and I advised her and XXXX that I was not going to pay over XXXX monthly in Auto insurance for my vehicles and XXXX was going to switch me to XXXX XXXX and take a payment of XXXX which was a 25 % down payment before XX/XX/XXXX instead XXXX stopped him advising me that she found some discounts and lower rates one day she quoted my XXXX the next day it was like XXXX  monthly then I was advised that she made a mistake and it was ok that I went to XXXX XXXX which is still apart of XXXX. Also I was advised by XXXX and XXXX that XXXX XXXX was for people who had DUIs in the past and bad credit. I took myself off of automatic payments in hopes that the issue would be figured out XXXX put me back on autopay. When I seen that it was going to be a final bill I immediately called XXXX where I was advised by XXXX that XXXX was going to get the chargers deleted that never happened my bank account was ultimately drafted by XXXX XXXX on XX/XX/XXXX for XXXX then drafted on XX/XX/XXXX for XXXX. I made several calls to XXXX XXXX agency trying to get the situation rectified only to be blamed as well as punished for a mistake once again by the XXXX XXXX agency. I definitely dont feel that this is fair and honestly I ultimately feel like XXXX stole my money out of my bank account once again I did not authorize these charges and I am ultimately being disrespected as will as my concerns are being disregarded as well as lied too. I also advised XXXX and XXXX on XX/XX/XXXX that my mother in law passed away and I was trying to get this token care of so that I could take care of my business instead I have only been dealing with XXXX during my entire process of grieving I want my refund back immediately and I would like for XXXX XXXX boss to give me a call like I was advised as well as customer relations. I would like some type of compensation due to the fact that this should not have ever occurred. I will be contacting an attorney to find out how could this happen with my account XXXX was tampering with no permission. I was advised by XXXX that XXXX was going to resend the charge then I was advised that XXXX was going to provide me a refund. I was also advised by XXXX to put in a dispute at XXXX BANK. I have been advised to do all of these things told that I would be receiving a refund and nothing has happened except I ultimately been lied too. I am past disgusted with XXXX. 

The debt was sold to Credit Collection Services I was advised that once I paid off the debt with the settlement that the debt would be completely erased from my credit report history yet when I spoke with XXXX Disputes now I am being told that Credit Collection Services states that the debt is paid and settled to a XXXX balance yet they no longer are removing the history and that they want this to stay on my credit report until XXXX of XXXX. They agreed to the settlement and the removal it should be completely removed it was the mistake of XXXX that the vehicle insurance was not switched to XXXX XXXX and that no one pays three times for car insurance in a six week period. This needs to be removed immediately it went through dispute with XXXX several times before the settlement agreement I didnt find out about this debt until the month of XXXX and also XXXX Customer Relations stated that should be resolved and removed why should my credit report be messed up for over six years due to a mistake that XXXX XXXX XXXX in the first place why should I have to have my credit destroyed from this situation when it could be completely removed it is now a XXXX balance. 
CREDIT COLLECTION SERVIC Last reported XX/XX/XXXX {$620.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX Opened Account status Type Responsibility XX/XX/XXXX ( XXXX mos ) Open Remarks Individual Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation