Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Credit Collections ( CC ) for engaging in unlawful debt collection practices related to an alleged debt reported on my credit file. These actions violate the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ), and New Jersey state laws, including the New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ) and the New Jersey Consumer Finance Licensing Act ( N.J.S.A. 17:11C-1 et seq. ). CCs failure to validate the debt and their continued collection efforts, including credit reporting, have caused significant financial and emotional harm. 

On XX/XX/year>, I received a collection notice from CC claiming I owe a debt under the referenced account number. Suspecting inaccuracies, I sent a debt validation dispute letter via certified mail on XX/XX/year>, pursuant to FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( b ) ) and Regulation F 1006.34 ( c ), demanding full verification of the debt and CCs legal authority to collect it in New Jersey. My letter requested XXXX specific items, including : the original creditors information, a signed agreement with my signature ( or E-SIGN-compliant electronic proof ), an itemized accounting of the debt ( original amount, interest, fees, payments, and current balance as of XX/XX/year> ), the chain of assignment ( bills of sale, assignments, and affidavits from the original creditor to CC ), proof of CCs New Jersey licensing ( N.J.S.A. 17:11C-1 et seq. ), and evidence the debt remains within New Jerseys 6-year statute of limitations ( N.J.S.A. 2A:14-1 ). I also demanded proof of compliance with FDCPA initial notice requirements ( 809 ( a ), sent within 5 days of first contact ) and Regulation F ( 1006.34 ( c ) ), as well as verification that collection practices are not deceptive under the New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-2 ). I explicitly requested CC cease all collection activities, including credit reporting, until validation is provided, per FCRA 623 ( a ) ( 3 ) ( 15 USC 1681s-2 ( a ) ( 3 ) ). 

As of XX/XX/year>, XXXX has not responded to my dispute, continuing to report the alleged debt to credit bureaus, which has lowered my credit score, resulted in loan denials, and caused me to incur higher interest rates on existing credit. This non-compliance violates FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), which mandates cessation of collection until validation is provided, and FCRA 623 ( a ) ( 8 ) ( 15 USC 1681s-2 ( a ) ( 8 ) ), requiring debt collectors to investigate disputes and correct inaccuracies. Additionally, CCs failure to provide proof of New Jersey licensing and evidence of non-deceptive practices suggests potential violations of N.J.S.A. 17:11C-1 et seq. and N.J.S.A. XXXX. The lack of response and ongoing credit reporting have caused me financial losses of approximately {$2500.00} ( from higher interest rates and lost credit opportunities ) and XXXX hours of my time ( valued at $ XXXX, totaling {$750.00} ), as well as significant emotional distress, including anxiety and stress over my financial stability. 


Attachments : - Copy of Debt Validation Dispute Letter ( Dated XX/XX/year> ) - Copy of Collection Notice ( Dated XX/XX/year> ) I appreciate the CFPBs assistance in protecting my consumer rights and holding CC accountable for these unlawful practices.

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