ComplaintsforThe CCS Companies

• Initial Complaint

  02/28/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I received 2 letters from CCS regarding a bill from Quest Diagnostics. I have not paid the amount in full because the balance has not been updated to reflect prior payments. I am willing to pay what I do owe however I can't get anyone to credit my payments so I can pay the balance of what I owe. I have tried numerous times to reach Quest and CCS and provide both with proof of all my payments so far and yet they continue to ignore my messages, emails, faxes, and evidence of payment. If they would just tell me what I owe after applying my prior payments, then I would pay immediately. I refuse to over pay.

• Initial Complaint

  02/28/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt and I do not have a contract with CREDIT COLLECTION SERVICES plus they did not provide me with the original application like I asked.account number: 8592****amount disputed: $1,616 account number: 9498****amount disputed: $1,777

  

  Business response

  03/04/2022

  Our office is in receipt of the complaint filed by Ms. ************************** We greatly appreciate this opportunity to respond.
  
  ***************** indicates that she is not responsible for these debts to our creditor-clients  and that our office violated the ***** but she provides no explanation for these assertions. In response to her statement that she does not have a contract with our office,please be advised that she had accounts with our creditor-clients, who placed the accounts with our office to assist with collection of the debts.
  
  With regards to account beginning with ****, we previously investigated her dispute with our creditor-client, and provided her with documentation to support that a balance is due on 2/10/22. Notwithstanding, we have closed the accounts with our office in accordance with Ms. ******** request to cease collection activity. Furthermore, the Credit ****************** (CRAs) are being instructed to delete the accounts. Please note that we cannot control the speed in which the CRAs act upon our request and we recommend giving them at least thirty (30) days to update their records.
  
  We trust this resolves your concerns.
  
  

• Initial Complaint

  02/27/2022

  Complaint Type:

  Delivery Issues

  Status:

  Resolved

  More info

  This company is in swift violation of the ***** I ask that this item be removed within 7 days or I will be forced to take lawful action.

  

  Business response

  03/07/2022

  Our office is in receipt of the complaint filed by *******************************************. We greatly appreciate this opportunity to respond.

  Contrary to Mr.Brockenboroughs assertion, CCS did not violate the ***** Please be advised that we have no record of receiving any request for validation from him.Notwithstanding, we have closed the account in accordance with Mr.Brockenboroughs request to stop contacting her. Furthermore, we have instructed the credit reporting agencies (CRAs) to delete the account. Please note that we cannot control the speed in which the CRAs will act upon our request and recommend giving them at least thirty (30) days to update their records.

  We trust this resolves your concerns.

  Customer response

  03/07/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. To ensure my paperwork is in order, please send a response to my home address or email for my records. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ***************************************

• Initial Complaint

  02/24/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was placed into collections with Progressive and was contacted by CCS for payment via mail/phone, I initally explained to a rep that due to the impact of Covid and being a single mother, with no other assistance but my 1 income , that was losing hours at work but would pay as soon as i could but at that time I could not pay the balance in question. I did not dispute the validity of the debt but the time to payback. They continued to contact via mail and phone every 2 days until I asked for a non contact, I was finally able to find some money to pay this bill . I contacted CCS on 9/28/2021 and was prepaired to make my payment at that time to close and remove the debt. I spoke with a representative and negoiated payment in full and a removal from my 3 credit reports. She verbilly agreed to this and the bill was paid. I then called back in November inquiring as to why it has not been removed and was told it could "take several months" to be removed. Fast forward to today 2/24/22, CCS is still reporting to all 3 burreau's as a "closed account" which is having a negative effect on my credit scores. I called today spoke with Representative miranda Stoddard who told me they as a company would and will never negotiate, nor will they as a company pay to have markings removed from credit bureau's and they report as "Paid in Full".Per the FCRA requirements. She was adimit that noone in the orginization could assist me when I asked for a supervisor, she was willing to transfere but gave me a warning there was nothing they could do. I have pulled all reports and they are reporting yes as "Closed" but not paid in full. I and my child are in need of new housing and I have been declined on several occassions due to this "COLLECTIONS" being reported and effecting my credit score. I paid the balance off in full with the verbal understanding this would be removed from all 3 of my Credit Bureau's ,

• Initial Complaint

  02/23/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with 06 SAFECO IN and I do not have a contract with CREDIT COLLECTION SERVICES plus they did not provide me with the original application like I asked.Account No: 9516****Amount Disputed: $231.00 I am not liable for this debt with 06 NATIONWIDE INSURANCE and I do not have a contract with CREDIT COLLECTION SERVICES plus they did not provide me with the original application like I asked.Account No: 6566****Amount Disputed: $0.00

  

  Business response

  02/28/2022

  Our office is in receipt of the complaint filed by *****************************. We greatly appreciate this opportunity to respond.
  
  ************ indicates that he is not liable for this debt to our creditor-client. However, our creditor-client notified us in November 2017 that they received payment directly from ************. Thereafter, CCS properly notified the credit reporting agencies that the account was paid.

  We trust this resolves your concerns.

• Initial Complaint

  02/22/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Delete account from all 3 credit bureaus

  Customer response

  02/19/2022

  The company is credit collection services companies the mailing address is 725 ************* 

  *******, ** 02062

  

  Business response

  02/28/2022

  Our office is in receipt of the complaint filed by *********************. We greatly appreciate this opportunity to respond.
  
  ************* indicates that she has no knowledge of the account, but we sent her two (2) letters beginning in September 2021 regarding the debt owed to our creditor-client. We have no reason to believe she did not receive the letters because they were not returned as undeliverable. Furthermore, we have no record of receiving any prior disputes directly from her or indirectly through the credit reporting agencies.
  
  ************* is requesting validation of the debt, but at the same time she requests that we cease our collection efforts. Accordingly, we have closed the account and the credit reporting agencies (CRAs) are being instructed to delete the account. Please note that we cannot control the speed in which the CRAs will act upon our request and recommend giving them at least thirty (30) days to update their records.
  
  We trust this resolves your concerns.
  
  

• Initial Complaint

  02/22/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  These companies are trying to collect on debts that aren't owed by me. they have taken more than 60 days to respond to my complaints and I intend on holding them civilly and criminally liable. they have broken many laws and they know that, so the fact that they are attempting to collect on debts that aren't owed by me is an outrage. They are playing with my intelligence now and I don't appreciate it. I have been declined for a car, mortgage and other lines of credit due to these companies. I demand these items be removed from my credit report since reporting is totally optional and the laws they broke in the letters that I sent them. I am flexing my right to rescission and want every dime back that I ever paid (which I have outlined in my letters). If they want to end up in court we can definitely go that route. I have given them ample time and opportunity to make these situations right so now I will be filing claims in court. Tell them to remove these unknown account in my report and pay what they owe.For this item to be deleted from my consumer report immediately.

  

  Business response

  02/28/2022

  Our office is in receipt of the complaint filed by *******************************. We greatly appreciate this opportunity to respond.
  
  *************** had previously raised similar concerns in a complaint he filed with the ************************************ (CFPB). In response to that complaint, we obtained documentation from our creditor-client to support that the debt is owed by ****************. The supporting documentation from our client within several days of receiving that complaint, so that does not correspond with his statement that it took us more than 60 days to respond.
  
  Notwithstanding the above, we have closed the account with our office and the credit reporting agencies (CRAs) are being instructed to delete the account. Please note that we cannot control the speed in which the CRAs will act upon our request and recommend giving them at least thirty (30) days to update their records.
  
  We trust this resolves your concerns.
  
  

• Initial Complaint

  02/21/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Send a certified letter asking for validation of this debt that they have put on my credit report. I have not received any documentation that was requested. Im needing documentation with my signature, documents from the original creditor, the date the debt occurred. If the cant provide this information promptly I need it removed from my credit report asap..

  

  Business response

  02/28/2022

  Our office is in receipt of the complaint filed by ***************************. We greatly appreciate this opportunity to respond.

  Please be advised that we cannot locate the file in question with the information that has been provided to CCS as part of the consumers complaint. If **************** can provide a copy of a letter with a full CCS file number or a copy of his credit report with the account listed, then we would be happy to review his concerns further.
  
  We trust this resolves your concerns.

• Initial Complaint

  02/21/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  "Better is a poor man who walks in his integrity than a rich man who is crooked in his ways." Proverbs 28:6 This account is falsely reporting on my consumer report. This account does not belong to me. I have no knowledge of this company. This company has never performed a service or sold a product to me. I've asked for an original contract which includes an original signature of myself and this company and no documentation was provided as well.This false account needs to be deleted from my consumer report immediately. This false account has damaged my reputation and character enough.Thank you."Pray for us, for we are sure that we have a clear conscience, desiring to act honorably in all things." Hebrews 13:18

  

  Business response

  03/15/2022

  Our office is in receipt of the complaint filed by *******************************. We greatly appreciate this opportunity to respond.
  
  ***************** indicates the account is falsely reporting on his credit report. He also indicates he has no knowledge of our company, but in June 2020 he agreed that he owed the debt to our creditor-client and paid this account with our office. Notwithstanding, a credit reporting agency recently notified our office that this account was being deleted from ****************** credit report. They did not provide a reason for this, and even though our office was accurately reporting the account, we have updated our account accordingly.
  
  We trust this resolves your concerns.
  
  

• Initial Complaint

  02/20/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Credit Collection Services is currently reporting a collection for ******************* for a vehicle that I no longer possess. I have contacted CCS in an attempt to resolve this matter, and in trying to get this resolved and removed from my credit report, I also followed up with ******************* (the original collector) for proof and validation that this debt is valid and to verify the amount. On two separate occasions, I spoke with *********, and they stated they are unable to locate an account for me. They are not able to provide me with any information regarding this debt, and I am not even able to see that there is a balance on my account in my portal which I am still able to access. I have attached that as evidence. I am requesting that this item be removed from my report.

  

  Business response

  02/22/2022

  Our office is in receipt of the complaint filed by *********************************. We greatly appreciate this opportunity to respond.
  
  Please be advised that we cannot locate the file in question with the information that has been provided to CCS as part of the consumers complaint. If ****************** can provide a copy of a letter with a full CCS file number or a copy of her credit report with the account listed, then we would be happy to review her concerns further.
  
  We trust this resolves your concerns.

  Customer response

  02/22/2022

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  I do not have a letter with the reference number. I have included a print out from their portal with the information.
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

   

   

  

  Business response

  02/28/2022

  We would like to thank ****************** for providing us with additional information. Please be advised that we have closed this account with our office in accordance with refusal to pay the debt. The credit reporting agencies (CRAs) are being instructed to delete the account. Please note that we cannot control the speed in which the CRAs will act upon our request and recommend giving them at least thirty (30)days to update their records.
  
  Please also note that the documentation ****************** included with her complaint only indicates she does not have any existing policies. However, she had an account with our creditor-client that cancelled on February 2, 2018 because a payment she made on the account was not honored by her financial institution.
  
  We trust this resolves your concerns.
  
  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩