Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I renewed an automobile policy with liberty mutual Policy # : ( XXXX ) which took effect XX/XX/XXXX. Upon receiving the billing statement, I decided the amount I was being charged was not reasonable, so I cancelled the insurance policy. On XX/XX/XXXX I obtained a more reasonable insurance policy and called XXXX XXXX to cancel the policy I had with them. At that time ( XX/XX/XXXX ) I paid XXXX XXXX the sum of {$430.00} by phone using my XXXX debit card. I thought that was a high amount, but figured I was hit with a fee for cancelling the policy. The {$430.00} payment was received and processed by my bank on XX/XX/XXXX. A copy of that statement has been uploaded. 

On XX/XX/XXXX I received a collection notice from a company called Credit Collection Services ( XXXX XXXX XXXX, XXXX, MA XXXX ) Stating that I owed XXXX XXXX the sum of {$110.00} For Auto policy XXXX. I can not produce this letter because I included it with my dispute, discussed later. Upon receipt I called XXXX XXXX to discuss the alleged debt and was told that I showed no pending or delinquent charges. I question the operator about the payment I had made and she showed no record of that either, but referred me to their billing department. So, I called the billing department and found out that the billing department for XXXX XXXX insurance is Credit Collection Services. 

I spoke to Credit Collection Services and was informed that I owed the {$110.00} for auto policy XXXX. I informed them that I had paid {$430.00} towards that account and inquired as to what the {$110.00} charge was for. I was told they had no record of the {$430.00} but I owed {$110.00} towards the auto policy. I was also told I could dispute the charges if I did so in writing. I wrote them a letter explaining what I have here and asking for an itemization of the amount paid towards policy XXXX, what that money was applied to, and any outstanding balances. In my world this is called an itemized invoice. I wrote the letter and mailed it on or about XX/XX/XXXX. I uploaded a photograph of the letter and the addressed envelope. 

I never received a reply to my dispute, but continued to receive notices of an attempt to collect a debt. In late XX/XX/XXXX I took a new job and planned to purchase a home where my new job was located. I discussed this with my financial advisor who explained to me that it was easier, and probably cheaper, to just pay the {$110.00} instead of disputing it. On XX/XX/XXXX I wrote a check to Credit Collection Services for the {$110.00} and put it in the mail the morning of XX/XX/XXXX. I can not upload the cashed check currently, but I am going to visit the bank tomorrow to get an image of Check XXXX payable to XXXX XXXX XXXX ( as requested by the collection letter ) for {$110.00}. I did not pay this online because my prior online/credit card payments were not being acknowledged or applied to the account. 

On XX/XX/XXXX I received notice that credit report was detrimentally affected due to non-payment of XXXX XXXX XXXX policy # XXXX. I am beyond angry and I am disputing this to anyone that will listen. This is flat out fraud and I do not see where I, as a consumer, are not entitled to itemized invoices, or even a receipt, for the money I have paid. I wholeheartedly dispute the assertion that I owe XXXX XXXX any more money. I feel I have paid this debt, at least twice. I have the records from my financial institution to prove that. I can receive no information from XXXX XXXX as to why they feel this debt is owed, a receipt for any money paid, or even an invoice. As you can see by my credit score, I am a man who pays his debts. This is not a debt, it is fraud. Please see uploaded documents for verification of these facts except for the cashed image of the XX/XX/XXXX Check number XXXX. I will get that from my bank and upload it tomorrow. 

XXXX XXXX XXXX

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