Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Auto 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: MN

Complaint narrative:
I purchased an insurance policy from XXXX XXXX XXXX on XX/XX/year>, for {$350.00}, with coverage set to begin on XX/XX/year> ( Policy Number : XXXX ; Exhibit 1 ). Despite completing the payment in full, I encountered several issues with the processing of my policy. On XX/XX/XXXX and XX/XX/year>, I received emails requesting that I complete the setup for my policy, but my policy status remained Policy is still being processed even after following the provided links ( Exhibits 2 & 3 ). 

Over the following months, I made numerous calls and online chats with XXXX representatives to request my policy documents and proof of insurance, but I was consistently informed that my policy was still being processed ( Exhibit 4 ). Due to the ongoing uncertainty regarding the status of my insurance coverage and the lack of documentation, I decided to cancel the policy. 

On XX/XX/year>, after continued frustration with XXXX, I purchased a new policy with XXXX XXXX, effective XX/XX/year>, as law enforcement presence in my area had increased ( Exhibit 5 ). XXXX requested proof of prior insurance coverage, but XXXX was unable to provide any record of insurance coverage or policy documents showing that my policy was active as of XX/XX/year> ( Exhibit 6 ). 

As a result of the ongoing issues with my policy, I filed a dispute with my credit card company, and the payment for the XXXX policy was reversed on XX/XX/year> ( Exhibit 7 ). Despite this, XXXX and their debt collector, CREDIT COLLECTION SERVICES, have continued to pursue collection for the {$350.00}. The first contact from CREDIT COLLECTION SERVICES occurred on XX/XX/year>, via text message ( Exhibit 8 ). In response, I submitted a letter of explanation on the same day disputing the charge and providing evidence of the ongoing issue with the policy and my payment reversal. 

Since that time, I have not received any further communication from them until XX/XX/year>, when I received another text message threatening to report adverse credit information to the credit bureau ( s ) unless the full amount was paid. This text referenced XXXX # XXXX and included a demand for immediate payment, despite my ongoing dispute and the fact that no service was provided during the relevant period ( XX/XX/year> - XX/XX/year> ). The message also provided a contact number ( XXXX ) and a payment website ( www.ccspayment.com ) for resolution, with the option to opt out by replying STOP. 

I am reporting this case due to the persistent threat of adverse credit reporting and the continued pursuit of payment without providing proper documentation or proof of service for the disputed period. I am requesting that XXXX provide proof of coverage during this period or further clarification of the charges. Additionally, I seek an explanation as to why payment is still being demanded despite the lack of service during the months in question.

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