Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Date : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX, XXXX Date of Birth : XXXX Last 4 SSN : XXXX Collection Agency Name : CREDIT COLLECTION SERVICES Address : XXXX XXXX XXXX, XXXX, MA XXXX Subject : Cease and Desist Collection Activities Account Number : XXXX To Whom It May Concern : I am writing to formally request that you cease all collection activities regarding the above-referenced account, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This letter serves as notice that I do not wish to be contacted further regarding this matter, except for written communication confirming the cessation of collection activities or advising me of any specific legal actions you may pursue. Please be aware that failure to comply with this request may constitute a violation of the FDCPA. Additionally, I dispute the validity of this debt as listed on my credit report, as the information appears inaccurate. Please remove any incorrect or unverifiable information related to this account. If you believe the debt is valid, please provide written validation of the debt as required under the FDCPA. Any further attempts to contact me, including phone calls, emails, or other forms of communication, will be considered harassment and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state attorney generals office. Thank you for your prompt attention to this matter. Sincerely, Name : XXXX XXXX Phone Number : XXXX ( XXXX ) XXXX Email Address : XXXX TO CREDIT COLLECTION SERVICES XXXXollection Agency Violation Letter Subject : Request for Debt Validation and Cease and Desist Communication Dear [ CREDIT COLLECTION SERVICES ], I am writing to you regarding a debt that your agency claims I owe. In accordance with my rights under federal law, specifically 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of this debt. 

This includes, but is not limited to, the following information : The amount of the debt. 

The name of the original creditor. 

A detailed explanation of the debt, including any interest, fees, or other charges.

Send me original contract with my signature on the original contract that I signed Send me the agreement how much you bought the debt from the original company Under 15 USC 1692g, I am entitled to receive this validation before I can consider any payment. Until you provide this information, I am requesting that all collection activities cease.

Additionally, I would like to draw your attention to 15 USC 1681q of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of false pretenses to obtain consumer credit information. 

Any attempt to falsely claim a debt or to misrepresent the details of the debt would be a violation of this statute and could result in legal consequences for your agency. 

Please treat this letter as a formal dispute of the debt in question. 

Furthermore, I am requesting that you cease all communication with me regarding this matter until you have provided the requested validation. All future communications should be in writing and sent to the address listed above. 

I expect to receive this validation within 30 days of the date of this letter. Failure to provide proper validation will result in my pursuing all available legal remedies to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation