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Eastern Massachusetts, Maine, Rhode Island and Vermont
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Description

CCS represents credit grantors on a nationwide basis in the recovery of their overdue payment obligations. Their business routinely handles inquiries arising from the original creditor’s billing process, and works with the consumer to help facilitate any remaining issues between themselves and the client.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that The CCS Companies meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for The CCS Companies include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 514 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.

Customer Reviews  are not used in the calculation of the BBB Rating.

Industry Ratings Comparison | Chart


Customer Complaints Summary Read complaint details

514 complaints closed with BBB in last 3 years | 178 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 3
Billing/Collection Issues 453
Delivery Issues 1
Guarantee/Warranty Issues 0
Problems with Product/Service 57
Total Closed Complaints 514

Customer Reviews Summary Read customer reviews

62 Customer Reviews on The CCS Companies
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 1
Negative Experience 61
Total Customer Reviews 62

Additional Information

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BBB file opened: January 28, 2005 Business started: 09/06/1966 in DE Business incorporated: 03/20/1969 in DE
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Massachusetts Division of Banks
1000 Washington Street, 10th Floor, Boston MA 02118-6400
http://www.mass.gov/dob/
Phone Number: 617-956-1500
Fax Number: 617-956-1599
The number is DC0376.

Type of Entity

Corporation

Business Management
Mr. Steven Sands, President Mr. Jeffrey Stoddard, Compliance Manager
Contact Information
Principal: Mr. Steven Sands, President
Customer Contact: Mr. Jeffrey Stoddard, Compliance Manager
Number of Employees

750

Business Category

COLLECTION AGENCIES VOICE MAIL SERVICES Collection Agencies (NAICS: 561440)

Hours of Operation
M: 8:00 AM - 12:00 AM
T: 8:00 AM - 12:00 AM
W: 8:00 AM - 12:00 AM
Th: 8:00 AM - 12:00 AM
F: 8:00 AM - 12:00 AM
S: 8:00 AM - 4:00 PM
Su: 2:00 PM - 10:00 PM
Service Area
The CCS Companies provides their services in ALABAMA , ALASKA , AMERICAN SAMOA , ARIZONA , ARKANSAS , CALIFORNIA , COLORADO , CONNECTICUT , DELAWARE , DISTRICT OF COLUMBIA , FLORIDA , GEORGIA , GUAM , HAWAII , IDAHO , ILLINOIS , INDIANA , IOWA , KANSAS , KENTUCKY , LOUISIANA , MAINE , MARSHALL ISLANDS , MARYLAND , MASSACHUSETTS , MICHIGAN , MINNESOTA , MISSISSIPPI , MISSOURI , MONTANA , NEBRASKA , NEVADA , NEW HAMPSHIRE , NEW JERSEY , NEW MEXICO , NEW YORK , NORTH CAROLINA , NORTH DAKOTA , NORTHERN MARIANA ISLANDS , OHIO , OKLAHOMA , OREGON , PALAU , PENNSYLVANIA , PUERTO RICO , RHODE ISLAND , SOUTH CAROLINA , SOUTH DAKOTA , TENNESSEE , TEXAS , UTAH , VERMONT , VIRGIN ISLANDS , VIRGINIA , WASHINGTON , WEST VIRGINIA , WISCONSIN & WYOMING.
Alternate Business Names
CCS Credit Collection Services Credit Collection Services Commercial Credit Control Services, Inc.
Industry Tips
Collection Agencies Working with Debt Collectors - 5 Tips - Video

Customer Review Rating plus BBB Rating Summary

The CCS Companies has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • THIS LOCATION IS NOT BBB ACCREDITED

    175 Commerce Way

    Portsmouth, NH 03801

  • THIS LOCATION IS NOT BBB ACCREDITED

    9 Northeastern Boulevard

    Salem, NH 03079

  • Two Wells Avenue

    Newton, MA 02459 (617) 965-2000 (800) 227-4356

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Professional AffiliationsX
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Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

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BBB Complaint Process

Your complaint will be forwarded to the business within two business days. The business will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the business's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

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What government actions does BBB report on?

BBB reports on known significant government actions involving business' marketplace conduct.

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BBB Reporting Policy

As a matter of policy, BBB does not endorse any product, service or business.

BBB Business Reviews are provided solely to assist you in exercising your own best judgment. Information in this BBB Business Review is believed reliable but not guaranteed as to accuracy.

BBB Business Reviews generally cover a three-year reporting period. BBB Business Reviews are subject to change at any time.

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Additional Phone Numbers

  • (800) 227-4356(Phone)
  • (617) 762-3034 (Fax)
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Additional Web Addresses

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Complaint Detail(s)

12/23/2014 Billing/Collection Issues
12/22/2014 Billing/Collection Issues
12/16/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: A small bill for $89 was sent to me in error by Met Life. It was not paid because it was an error. It was placed in collection to CCS. Subsequently, I corrected the error with Met Life, but still receive calls attempting for collection.

Desired Settlement: CCS contact Met Life to see the error has been corrected and contact me to confirm it has been corrected and nothing has been placed in my credit report.

Business Response:

Our office is in receipt of the complaint filed by Mr. ****** *******. We thank you for the opportunity to respond.

Please be advised that prior to receiving Mr. *******’ complaint, we spoke with Mr. ******* and his insurance agent, who advised that they would be sending in proof the account was paid, but we have yet to receive this documentation. Upon receipt of the documentation we would happy to forward it to our client to review to determine if an adjustment is due.  That being said, we have closed the account with our office and a copy of the complaint is being sent to our client to review. Please be assured that we did not send this account to any credit reporting agency.

We trust this resolves your concerns.

12/13/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i have called this company many times, and told that i owe different amount each time. i have contacted progressive insurance who claim they do not show records of this being sent to collections? I should not owe them a dime and want it to go away!

Desired Settlement: I want the amount owed to be cleared, it is not right according to the company i had insurance with.

Business Response:

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

 

We only show one call with Mr. *******. If he could please provide additional information regarding his concerns, we would appreciate it. Specifically, the dates, times, people he spoke to, and details regarding the conversations. Upon receipt of this information we would be happy to investigate his concerns further. That being said, we have closed this account with our office and Mr. ******* will hear nothing further from us in regard to it.

 

We trust this resolves your concerns.

12/13/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The company has been sending me collections notices claiming they are from nationwide insurance. However I have contacted nationwide insurance a few times and they are showing that I was paid in full when I left their co. I have contacted this collection agency and informed them of this and I am still receiving collection letters. This is affecting my credit report as well. Please help me in resolving this issue so that I can get this off of my credit report. The amount they are requesting is $169.36.

Desired Settlement: I would like them to remove their false claim from my credit report. Also to stop sending letters and confirm that this was resolved. Thank you

Business Response:

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

Contrary to Ms. *******’s assertion, our client’s records indicate that the account in question cancelled on 4/11/10 with a balance due. That being said, we have agreed with her request to stop contacting her regarding this matter and we have instructed the credit reporting agencies to delete the account. Please note that we cannot control the speed in which they will act upon our request and recommend giving them at least thirty (30) days to update their records.

We trust this resolves your concerns.

12/13/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Credit Collection Services recently reported to the credit bureaus on an old account (Progressive Halcyon Insurance File # ** *********) which was paid in full ($388.12) on 11-17-2008. Credit Collection Services reported this account to Transunion credit bureau as recently as February 2014 for no reason.

Desired Settlement: Credit Collection Services must notify Transunion to remove this from my credit report effective immediately.

Business Response:

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

Please be advised that we have instructed the credit reporting agencies (CRA) to delete the account. Please note we cannot control the speed at which the CRAs act upon our request. We recommend giving them at least thirty (30) days to update their records.

We trust this resolves your concerns.

12/12/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received 4 notices from this company ( 9//11/14, 10/3/14, 10/24/14, and 11/14/14). I also received a phone call from ***** ******** on 12/10/14. The notices and phone calls all refer to un-returned equipment for AT&T. Each time I spoke with AT&T, they assured me that my balance was $0.00 and that I did not owe the $818.87 that CSS is trying to collect. I was also sent a bill from AT&T showing a $0.00 balance. They also said there was no notice in my files that any bill for me had been turned over to a collection agency. The notices from CSS threaten that a negative report may be submitted to my credit record. When I called CSS, I was told that the money must be paid immediately. I told her I had the bill from AT&T showing that I did not owe anything. Since I don't have a fax machine at home, she told me that I needed to go to a business and fax the letter and copy of my bill to them. I told her I would not, because I had spoken with AT&T and they told me to disregard the notices.

Desired Settlement: I would like for CSS to stop contacting me and threatening to place negative information on my credit report.

Business Response:

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

Please be advised that we have agreed with Ms. *********’s request to stop contacting her regarding this matter. Accordingly, we have closed the account with our office and Ms. ********* will hear nothing further from us in regard to this matter. Further, please be assured that we did not send this account to any credit reporting agency.

Notwithstanding the above, if Ms. ********* could please send us the documents referenced in her complaint showing she has a zero balance, we would be happy to forward the documentation to our client to determine if an adjustment is due. We trust this resolves your concerns.

Consumer Response: [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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

***** *********

12/5/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: CCS (Credit Collection Services) has been calling me and asking for personal information to "look up my file" that turns out to be non-existent. I am then transferred to another person who asks for the same information and has no idea how or why I was even transferred in the first place. When this guy asked for my SSN, I knew 110% that it was a scam. The phone number is ************ and is located in New Hampshire apparently.

Desired Settlement: 1. Phone call from the president/vice president with verifiable contact information explaining how any why my phone number ended up in their system 2. Verifiable evidence that my phone number has been removed from any CCS computers, systems, and files 3. Contact from 2 representatives who spoke with me on the afternoon of 11/13/2014 explaining why they were asking me for my SSN - this should be easy enough for them to find since they apparently had my phone number to call me initially

Business Response:

Our office is in receipt of the complaint filed by Mr. **** ******. We greatly appreciate the 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 Mr. ******’s complaint.  If Mr. ****** could please provide us with the phone number that he is receiving calls, we would be happy to investigate his concerns further.  To expedite this matter, he can email the information to ************@ccsusa.com .

12/2/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received from your firm a warning notice bearing the referenced file number on October 23, 2014. I immediately contacted your Firm by phone at l ***** ********. l advised your agent that this was not a bill for which I bore any responsibility whatever. She asked me to identify myself by means of the last four digits of my Social Security number. When I did that she concurred that I was not the responsible person, further advising that the person responsible lived at *** ** ****** **** in ***** *****, CA. That is the address for my son ****** ** ****** Ill. I then asked why, if your firm had that address, that the notice was sent to me. Her reply was that my son had not replied to notice that had been sent to him. I do not appreciate your firm involving me in this matter for any reason at all. My wife and I have spent a lifetime assuring that we enjoyed the best possible credit record. I do not take lightly any notice stating "Your creditor has listed your delinquent payment obligation with a Credit Bureau(s). Adverse credit information can be kept on file for up to seven (7) years from the date of the delinquency. under the Fair Credit Reporting Act (FCRA).“ I am advising you, ******* and the three major credit rating organizations that this is not my delinquency and that I need to have my records corrected. Further your notice to me violates a provision in the California Law quoted in your notice that reads "For the most part. collectors may not tell another person. other than your attorney or spouse, about your debt." since you advised me of my son‘s debt through your act of sending this notice to me.

Desired Settlement: I am advising you, ******* and the three major credit rating organizations that this is not my delinquency and that I need to have my records corrected.

Business Response:

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

 

As a preliminary matter, the address was believed to belong to the person we were attempting to contact. Please be assured that we did not place this file on Mr. ******’s credit report.  Prior to receiving this complaint, Mr. ****** had informed our office that he was not responsible for the matter and we immediately removed his address from our records. Mr. ****** will hear nothing further from us in regard to this matter.

We trust this resolves your concerns.

12/1/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: 05/14/2014Billing / Collection Issues | Read Complaint Details X Complaint Complaint began when mediacom would not repair internet service,i ask mediacom to cancel service,and they continued to bill me at which time CPS calls I had lost internet service with mediacom in march 2013.I called them at least 6 times between march and july and service never showed to repair internet.I talked with service people on the phone and they were reporting that no one was at home which wasnt true.In late July i called and cancled service (after over 20 years of paying mediacom monthly).In late September Mediacom sends a bill and threatened to shut service off if i didnt pay.During October ,Mediacom sent out a rude contractor to collect money and pick up equiptment.He then went to the pole to disconnect service only to find Comcast had disconnected Mediacom.Soon CPA began calling with rude people wanting to collect a bill that I dont owe with a collection fee over mediacom bogus billing practices. Desired Settlement Although I had a lot of time with mediacom and no service that is paid for,I ask that Mediacom and CPS stop asking for money thats not owed to them and not put ding on my credit just because they can. Business Response In response to your prior correspondence, please be advised that CPA has closed its collection file and ceased collection efforts with respect to the foregoing account. Please be assured that this matter has been updated at the credit bureau(s) as please delete from credit file. Please advise the consumer to allow 2-3 weeks before requesting a copy of his credit report. - See more at: http://www.bbb.org/******/business-reviews/collection-agencies/credit-protection-association-in-******-tx-****/complaints#breakdown Above is an attempt by CPA in Texas to collect for Mediacom.I have recieved a notice from CCC for the same bogus bill . Can you stop CCC from trying to collect for mediacom from which I do not owe.

Desired Settlement: I hope that CCC will stop trying to collect for Mediacom for which I do not owe

Business Response:

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

As a preliminary matter, Mr. ****’ complaint does not appear to be with CCS’ handling of the account. Instead his dispute is with his former cable services provider (our creditor-client).  Accordingly, we have closed the account with our office and forwarded a copy of the complaint to our client to review. Further, please be assured that we did not send the account to any credit reporting agency.

We trust this resolves your concerns.

Consumer Response: [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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

****** ****

12/1/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was called last night which was Sunday November 23rd.. I was contacted at 8:53 p.m . First of all it is a Sunday and past 5 pm so I should not of recieved a call.. Then I let her know i didn't appreciate being called on a Sunday and that it was my cell number and work number and not to call me... She was very rude to me. I want her talked to and action taken for calling me outside of the correect time and for not listening when i told her it was not a good time

Desired Settlement: DESIRED OUTCOME IS FOR HER TO BE FINED AS SHE IS SUPPOSED TO BE PER FDCPA AND TO GE THIS TAKEN CARE OF

Business Response:

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

Please be advised that we have thoroughly reviewed *** ******* concerns and have determined that our telephone representative was polite and professional. Further, all calls were made at times permitted under all federal and state regulations. That being said, we have closed the account with our office and Ms. ******* will hear nothing further from us in regard to this matter.

We trust this resolves your concerns.

Consumer Response: [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 ********** I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

****** *******

11/30/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I just received the  notice from the above company - the only notice concerning a debt that is not mine . I live at my parents home and have never had an account with First Energy . My wallet was stolen from my car in ***** , Ohio and if this is in fact a real debt someone used my info to get electric service . The debt notice does not look very professional to me it might very well be  phony . There is so much fraud in this world today . I have always paid any bills I make . An have never had one with First Energy . 

Desired Settlement: I do not owe this bill - fraudulent or otherwise and I request a letter clearing my record of any indebtedness !!
Thank you ***** ****

Business Response:

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

 

As a preliminary matter, please be advised that in October 2014 Mr. **** advised our office that he was a victim of identity theft and he would provide documentation to our office regarding the same. However, we have yet to receive any documents from Mr. ****.  If he could please forward an identity theft affidavit and police report, we would be happy to forward them to our client to determine if an adjustment is due.  That being said, we have closed the account with our office. Mr. **** will hear nothing further from us in regard to this matter.

 

We trust this resolves your concerns.

 

11/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: There is nothing legitimate about a company that charges 7.95 for a phone or online bill pay without a proper notice being properly printed on the bill or stating obviously online as part of the instruction to pay, or even in person on the phone when first time payment is being made to inform consumer they will be charged a fee unless payment is made by mail. I called the Credit Collection Services today, after paying my last installment of 17.22, to ask for the 7.95 refund after paying online and they refused. I asked for the manager as well, to inform her of poor policy, and she did nothing as well. There is nothing worse than poor customer service. I understand there are lots of deadbeats out there who don’t pay their debts, but I don’t like to be grouped in with those types of people. I don't steal. I am not a criminal. But I guess CCS is. Why do they have your logo on their bill when they are such a shady outfit? I am sick to death of companies (especially in this economy) that price gouge or scam innocent consumers. The federal government makes sure to regulate banks and credit card companies for their fees and penalty policies, but credit collection agencies or credit reporting companies seem to escape unscathed, I was never behind on any bill. As soon as I received the notice from Credit Collection Services, I responded and made a payment on the phone. Liberty Mutual had chosen to forward my remaining balance of $42.22 to Credit Collection Services after l had made a partial payment and agreed on the phone with Liberty Mutual to make two last payments, explaining when I switched auto insurance policies, I was paying two premiums at a time. I was a 30 year customer of Liberty Mutual, so kudos to them too for their fine goodwill business policies. I don’t know if anyone reading this letter can appreciate how much 7.95 or 16.00 means to someone’s budget in this economy, especially when trying to be conscientious about owing money to anyone. I get up and go to work every day, just like everyone else and every cent I earn means a lot to me. To get taken advantage of in this way by two companies, is sickening. I thought Florida was the land of scams, but Massachusetts takes the cake. ***** *****

Desired Settlement: $7.95 refund

Business Response:

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

As a preliminary matter, we have already processed a refund for $7.95 with her credit card company. Please note that we cannot control the speed in which her credit card company processes our request, but the funds should appear as a credit on her next month’s credit card statement.

We trust this resolves your concerns.

11/21/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This complaint is on behalf of an account for my son. October 17, 2014 I contacted CCS and spoke with "*******" to discussed the bill and I asked him if we could work out some type of settlement (which he referred to as a "close out"). I told him that ***** did not have a job and could not agree to **ying anything and I, as his Mother was willing to help him. The total amount of the bill was $1,711.32. ******* proceeded to put me on hold and came back with an amount of $950.00, then he told me $900.00 with a $7.25 charge to **y over the phone. Which I agreed to.As we were doing the transaction, ******* said he couldn't get into the account because ***** was on the line talking to another person in his office. I called ***** and ******* came back on the line and told me to tell ***** to call CCS and cancel any agreement that he (*****) had made since because the bill had been closed out. ***** called back and canceled any agreement he had made. ******* got back on the phone and told me it was $900 even, I gave him my credit card information, along with correct spelling of my name. He said it went through and gave me the Confirmation #******. I asked him to send me a letter confirming that it was **id and would not go on *****'s credit report, which he said he'd do.On Friday, October 24, 2014, I checked my credit card and did not see the amount. I called CCS and spoke to **** and I had to get *****'s permission to speak on his behalf, which ***** agreed. **** proceeds to tell me that the transaction was canceled because supposedly ******* did not see a "tiny line on their computer screen saying that they cannot settle an account with anyone still living in the states of **, **, etc.) I told him that ***** will be moving out of state, anywhere he could find a job. I told ******* that was not true and that it was already agreed and settled upon and that I had a confirmation number. **** said that when ***** moves out of state to call back then.

Desired Settlement: I request that the settled "close out" amount previously agreed upon on October 17, 2014 in the amount of $900.00 with confirmation number ****** be honored.

Business Response: Our office is in receipt of complaint filed by Ms. ******** *******. We greatly appreciate this opportunity to respond. Please be advised that we are currently investigating Ms. *******’ concerns and if we determine that our telephone agents did not act in accordance with our training and procedures, then they will be disciplined accordingly. That being said, we previously cancelled Ms. ******’s payment. If Ms. ******* could please call ***** ******** at ************ ext.****, we would be happy to assist her in getting this account resolved for the previous amount she agreed to. We trust this resolves your concerns.

Consumer Response: 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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Regards, ******* *******

11/21/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Last year my husband and I were in a very minor accident and we were unknowingly uninsured but I took advice from my mother when she said to ignore when the insurance company was trying to collect from us (travelers insurance) when we didn't they sent it to ccs (credit collection services) we tried to talk to travelers but they said its too late. So we started working with ccs right away when they first threatened to take our licenses away in a letter they had sent. That day (some time in june) we agreed that we would pay 150 per month over the next ten years. (by the way even though it was a minor accident where we only hit the vehicle going 20 mph and the drivers door we hit still opened and none of the windows broke, they some how got away with 0ver 12,000 dollars. So anyways we made a deal with ccs and we said we could send a check in two weeks. So we did and then we get a letter from the department of motor vehicles saying if we do not comply with ccs they are suspending our licenses as well as our registration on august 25th. So even before the scheduled suspension date we had sent ccs two checks written out for 150.00 dollars. So they required us to do an installment agreement as well so we requested those and waited 2 weeks and finally I received mine but they had spelt my name ******* ******** and it should be ******* red ******** and they were suppose to send one for my husband as well. So I called them that day and let them know and they said they would fix it. So we waited another week and called them and we were getting antsy they said it should be coming. So we waited another week and finally my husbands installment letter came but mine never did. So my husband got it notarized and sent it back that day because it had finally came the Friday before the suspension date, we talked to dmv and they said as long as its notarized before the due date they will leave us alone. So currently some how I still have a valid license but my husbands isnt and we dont have registration so it makes it almost impossible for him to go to work or for us to provide for our small daughters and ourselves. I talked to the manager of ccs and she said she would look into and call me the following Monday, she did call me and she actually did say it was their fault.

Desired Settlement: We would like ccs to take off some of the charges on our account or to write to dmv to give our license and registration back, I don't feel we should have to pay over 100.00 dollars when we complied.

Business Response:

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

 

Please be advised that we have discussed this matter with the DMV and we will contact Ms. ******** directly to discuss with her the documentation that is needed to get her registration re-instated. Please note that the DMV advised us that her driver’s license was not suspended.

 

We trust this resolves your concerns.

11/20/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Got a notice in the mail on November 7,2014. From Credit Collections Services, aka Warning Notice saying I owe **** ******** $ 3,602.05. On my credit report it only shows that I owe $ 498.00. File Number on the notice is ** **** *****. It has a return Address of **** ********Payment Processing Center**** *** ************ ** **********

Desired Settlement: I want this company to pay the $498.00 for harassment this company is doing. Also this company need to be put out of business for this kind of illegal activity.

Business Response:

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

Please be assured that our client placed the account with our office with the balance that was included on our notice to *** *********. That being said, we have closed the account with our office and forward a copy of the complaint to our client to review. Please note that we cannot control any actions our client may take in regard to this matter.

We trust this resolves your concerns.

Consumer Response:

I want them to pay the past due balance for all the harrasement it has caused and 

the amount to be paid is $ 500.00. They sent out a bill saying I owe over $3602.05 in which I do not owe. I will be glad to email or fax a copy of the bill I received in. 

Regards,

 

 

 

11/9/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I spoke with CCS today. The lady was rude and she stated she was not "sending me nothing" when I requested a letter to be sent to me in the mail of the charges. I asked her were the calls monitored. She stated all of their calls are monitored and recorded. I asked her did she mind if her calls were monitored and she said that she did. She started talking and I told her to hold on a minute. All I know there was a click. I called back and asked concerning the lady's name who I spoke with. I was given ******* ****. I have let the "government" take it. You can't treat vets. this way ( or anyone else for that matter).

Desired Settlement: Adjust the bill to Zero. and Correct my credit report. Thank YOU for your service.

Business Response:

 

 

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

 

Please be advised that we have no record of speaking to Ms. *******. If she could please provide us with further information, such as the date and time of the call with our telephone agent, or the file number for the specific account, we would be happy to investigate her concerns further. That being said, we have closed the accounts associated with Ms. ******* with our office.

 

We trust this resolves your concerns.

 

11/8/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: RE: File#: *********** Provider: Time Warner Cable Amount: $279.62 This correspondence follows my phone conversation with your company. I am in receipt of your August 13, 2014 Collection Notice concerning a $279,62 balance with Time Warner Cable. By this letter I dispute this claim. I have never had an account with Time Warner Cable and am at a loss as to why I am receiving your notice. I have had service with Dish Network for years, and cannot even recall the last time I had cable. Please feel free to contact me by my cell phone or email address which can be found below if you need to speak with me further. Thank you. Sincerely, *** *******

Desired Settlement: I dispute this bill. I have never had an account with Time Warner.

Business Response:

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

Please be advised that our client placed this file with our office under Ms. *******’s responsibility.  Please note that we have forwarded a copy of this complaint to our client to review.  If Ms. ******* believes this account was opened as a result of fraud or identity theft, we would appreciate it if Ms. ******* could please send us a completed fraud affidavit and police report, and we will forward the documentation to our client to determine if an adjustment is due. That being said, we have closed this file with our officer and Ms. ******* will hear nothing further from us in regard to this matter.

We trust that this resolves your concerns.

11/8/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: CCS USA contacted me stating I owed $506.61 for an auto insurance policy that I had cancelled. I called to inform them that I had cancelled the policy and had documentation to prove that I clouding evidence of new coverage for the month they were billing me for. CCS told me to fax these documents to them, which I did that day. It took 11 days for them to acknowledge they received the documents. I was then told it would take three weeks for the documents to be reviewed. Less than two weeks later, I receive two additional demand for payment letters from CCS. I call them to find out why they are still contacting me since I provided proof that I did not owe this money. They told me they submitted my documents to the insurance company but the insurance company still says the money is owed. I followed up with the insurance company who told me they never received any documents from CCS. I submitted the docs to the insurance company and the issue is settled However, I believe CCS business practices are unethical as they never submitted my documents and were still trying to collect for a debt I did not know, threatening my credit. I would like a letter of apology and a retraction of this collection claim.

Desired Settlement: I would like a letter of apology for continuing to attempt to collect a debt I did not owe, failing to submit my documented proof that I did not owe the debt, and threatening my credit over a debt I did not owe.

Business Response:

Our office is in receipt of the complaint filed by Ms. ** *** ********. We greatly appreciate the 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 Ms. ******* complaint.  If Ms. ******* could please provide us with a copy of the letter she received from with our file number listed, or previous or current addresses, we would be happy to investigate her concerns further.  To expedite this matter, she can email the information to************@ccsusa.com .

11/3/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: They call 6-8 times a day 7 days a week, at all hours of the day/night. They claim they are calling in reference to multiple insurance providers that are owned on policies I cancelled. The companies they claim to represent did not cancel policies as they were told to, and now expect us to pay, or assured us they would continue to harass us with multiple phone calls everyday. They claimed the insurance companies didn't cancel our policies, because we didn't provide our new companies names or policy information.

Desired Settlement: Remove the charges from my credit report, and stop the harassing phone calls immediately.

Business Response:

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

 

Please be advised that the files in question revolve around insurance policies that cancelled with a balance due. That being said, we have closed the files with our office and Mr. ****** will hear nothing further from us in regard to this matter.

 

We trust this resolves your concerns.

10/28/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company states that I owe Specialty Risk Insurance $219 from an Account dated 11/24/08 however I have never received any information from this company in the past 6 years. I just updated them with my contact information. I informed them that I am not aware of this item and that I would like to dispute this item to be off of my credit report. The law states that I should be notified of my debt however since I was not notified of this alleged debt this is not valid. The law states that I must be notify of my debt and I was never notified. As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. This is Section 809..

Desired Settlement: Remove off of my credit report

Business Response: Our office is in receipt of the complaint filed by Ms. ******* *******. We greatly appreciate the opportunity to respond.   Contrary to Ms.********* assertion, we did previously notify her of this account in writing, and we have no reason to believe she did not receive our previous correspondence, as the post office did not send any letters back to us as undeliverable. Further, we did speak to Ms. ******* back in March and May 2012, so she was aware of the account. She also agreed to make payments during those calls, but no payments were made. Notwithstanding the above, we have closed the account with our office and instructed the credit reporting agencies (CRA) to delete the account. We cannot control the speed at which the CRAs act upon our request and recommend giving them at least thirty (30) days to update their records. We trust this resolves your concerns.

Consumer Response: 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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. Regards, ******* *******

10/28/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Received a notice in the mail today from CCS stating that they will be reporting me to credit bureaus for an unpaid debt to Comcast. I have a near 800 credit score. I called Comcast to confirm that no money is owed. Comcast agreed. This is an obvious scam and I have no idea how this is legal. I am close with several attorneys and will be passing this on to them for their review.

Desired Settlement: This is an obvious scam. I'm sure many people just pay the bill without thinking. Sad.

Business Response:

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

Please be advised that our client placed this account with our office under Ms. **********’s responsibility. Prior to responding to this complaint, Ms. ********** had informed our office that she would be sending a fraud affidavit, police report and supporting documentation. If Ms. ****** could please email the documentation to************@ccsusa.com, we would be happy to forward the documentation to our client to review if an adjustment is due.  

 

Notwithstanding the above, we have closed this account with our office and forwarded a copy of the complaint to our client to review. Please be assured we did not send this account to any credit reporting agency.

We trust this resolves your concerns.

10/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I contacted this company last November and most recently thru the BBB. They agreed to removed a $100 collection from my Trans Union report,as of todays date that has not been done They have been given all the police reports and so forth and the insurance agencies have as well

Desired Settlement: I want CCS to remove the collection from my credit file ASAP.

Business Response:

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

Please be advised that subsequent to Mr. **********’ complaint filed with your office under Case#:********, we had once again instructed the credit reporting agencies to delete the account. We have no reason to believe that the credit reporting agencies did not act upon our initial and most recent requests. Please note that we cannot control if and when the credit reporting agencies update the information that we provide them.

 

We trust this resolves your concerns.

10/22/2014 Billing/Collection Issues
10/17/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: CCS Reported an unpaid account to the credit bureaus in 2014. The account is paid in full and not in collection. This company refuses to remove item from credit stating they can't do it when in fact they are the agency who reported.

Desired Settlement: My desired outcome is to have the item removed since it is not an account in collection.

Business Response:

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

 

Please be advised that contrary to Ms. *****’s assertion, this account was placed with our office by our creditor-client for collection. Further, on 8/19/14 Ms. ***** visited our website and paid the balance due in full. Following receipt of the payment, the account was closed with our office and the credit reporting agencies were properly updated that the account was paid in full.
?

We trust that this resolves your concerns.

 

Consumer Response:

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. 

Thank you for the follow up regarding my complaint. I reviewed response and the company has not resolved the matter. I paid the amount did and company has NOT removed from credit reporting agencies. Original creditor stated credit collection company is only agency able to remove from history and states I must go back through them. When contacting agency they are rude and not helpful. Resolution is to proper remove from file.
Regards,

**** *****

 

 

Business Response:

We regret that our previous response was not satisfactory to Ms. *****. That being said, we have reviewed this matter with our client and they advised that they had no such discussion with Ms. *****. Although Ms. ***** wants the account deleted from her credit report, the Fair Credit Reporting Act requires that a data furnisher provide accurate information to the credit reporting agencies. CCS did so when we properly updated the account as paid. We trust this resolves your concerns.

10/17/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My name is ******* *********. I have received many phone calls from this company regarding a personal business matter with my mother. My mother doesn't live with me nor she lives in the same city as me. I kept telling this company to take my number off the system and contact my mother on her cell phone. I keep getting phone calls all of the time. I just want to know how did they get my number anyways and I feel this more then harassment, its invading my privacy and my mothers privacy. My mother is aware of the situation and waiting for them to call her. And she is also going to make a complaint also.

Desired Settlement: All I want is them to stop contacting me and an email explaining to me how they got my number in the first place.

Business Response:

Our office is in receipt of the complaint filed by Ms. ******* *********. We greatly appreciate the 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 Ms. *********’s complaint.  If she could please provide us with the telephone number that she is receiving calls, we would be happy to investigate her concerns further.  To expedite this matter, she can provide the information through the BBB’s complaint portal or email the information directly to************@ccsusa.com .

We trust this resolves your concerns.

10/16/2014 Problems with Product/Service
10/16/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I found out through****** ***** that I have an "open" account that is negatively impacting my credit score from ******************** that CCS is now somehow in control of. I closed this account two years ago and owe nothing, and have sent two letters asking for verification of this account from CCS and they have yet to respond. *********** says that they have no record of my account as we are no longer a customer with they're company. I don't know where to go from here?? The supposed amount is $141, and I would like to see an actual statement from this company proving I owe this bill. Thank-you!

Desired Settlement: To settle this matter of owing anything to anybody, and remove the negative report from the credit bureaus.

Business Response: Our office is in receipt of the complaint filed by Mr. ******* *****. We greatly appreciate the opportunity to respond. Please be advised that the account in question revolves around an insurance policy that cancelled on 7/18/2011 for nonpayment. When the insurance policy cancelled there was still a balance due for insurance provided from the date of last payment to the cancellation date. Please note that we previously received Mr. *****’s request for verification and immediately placed the account on hold pending receipt of verification of the account from our client. That being said, we have closed the account with our office and instructed the credit reporting agencies to delete the account. Please note that we cannot control the speed at which the credit reporting agencies act upon our request and recommend giving them at least thirty (30) days to update their records. We trust this resolves your concerns.

Consumer Response: 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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Regards, ******* *****

10/14/2014 Billing/Collection Issues
10/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have notified CCS personally and professionally that I need documentation of the charges they are soliciting for and that, until such documentation is provided, not to contact me. I have notified them that until such documentation is provided, if they do contact me, I would immediately file a complaint with the BBB and file a lawsuit against them for unethical and illegal collection practices. There was a phone call last week, but I let it go since I thought perhaps they had not received the letter advising them of my legal rights. There was another call tonight. They cannot provide documentation because there is no documentation. I have been charged for services I did not order and did not use. I have sent several letters out, filed a complaint with the state agency, and now threatened BBB complaint and lawsuit. Next will be the filing of the lawsuit.

Desired Settlement: Stop contacting me and remove any and all negative comments on my credit reports about this matter.

Business Response: Our office is in receipt of the complaint filed by Ms. ******** ****. We greatly appreciate the opportunity to respond.   As a preliminary matter, please be assured that we immediately closed this account with our office upon receipt of Ms. ****’s correspondence. Further, please be assured that this file has not been sent to any credit reporting agency.   We trust this resolves your concerns.

Consumer Response: 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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Regards, ************

10/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I found this collection on my credit report for Progressive Insurance in the amount of $213. I am currently a Progressive Insurance customer and have been for quite some time. I do not have an outstanding balance with them, as my premium is directly withdrawn from my bank account monthly. CCS has made no attempt to verify this debt, despite me sending a debt verification letter to CCS on 8/30/14. I request that this debt be removed from my credit report immediately and my file be closed with CCS.

Desired Settlement: Debt removed from all credit reporting agencies and file closed with CCS.

Business Response:

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

Contrary to Ms. ********’s assertion, we have not received any correspondence from her. That being said, we have closed the file with our office and instructed the credit reporting agencies (CRA) to delete the file. Please note, we cannot control the speed at which the CRAs act upon our request and recommend giving them at least thirty (30) days to update their records.

We trust this resolves your concerns.

Consumer Response: [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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

******* ********

10/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: After contacting you about a situation involving a near collision with a motorcycle, I was informed this was a scam, I received another letter today from a Credit Collection Bureau stating that I was responsible for paying for nothing,I have the documented police reports, the reference number to the police report is *********,*********, Wisconsin Police Department. The file number from the Credit Collection Services Commercial is:***********, I got this letter today, September 27,2014, I'm going through my own problems, the other vehicle didn't sustain any damages like my car,I'm having car repairs such as tune ups and other repairs,no body work, the other drive refused to be examined by paramedics,What am I paying for, I so tired I don't know what to do,my situation has been turned over to a payee service, which is ******** ***** ********, ************, the Veterans Hospital appointed

Desired Settlement: At this point since my situation has to be turned over to a Payee Service,and you can speak with them,I'm seeking $500,000,000,000.00 for pain and suffering,I was notified this was a scam by your company a few months ago,I didn't get any court documentation or nothing, I'm going through the motions, I don't have any other choice except to seek this, I don't know who's involved,but, it's not me doing it, I don't know what the problem is, I have high blood pressure for one, if there is a lawyer that can represent me,please if possible ,maybe this another scam, I was threatened on this letter about my drivers license being suspended. I don't know what the problem is,but, this is what I'm asking for.

Business Response:

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

 

Please be advised that Ms. ****** was determined to be responsible for an incident by our client’s licensed insurance adjuster. That being said, we have closed this file with our office and Ms. ****** will hear nothing further from us in regard to this matter.

 

We trust this resolves your concerns.

Consumer Response:
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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

******* ******

10/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: CCS is collection agency and my File number is: **********. A person driving my car caused an accident. She was taken to court and the case was settled. As part of the settlement, the insured of CCS' client was paid the cost of the damage to his car. I have already informed CCS about this development but they insist on harassing me by sending collection letters and threatening to sue me something that will affect my credit for no reason. I have told them to get in touch with their client to confirm the information I gave them but they are not willing. It appears that they are trying to extort money from me something that is clearly unethical. I need your protection.

Desired Settlement: Stop sending letters and threatening me when the issues related to the accident have been resolved. They can confirm with their client.

Business Response:

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

 

As a preliminary matter, we have agreed with *** *****’s request to stop contacting him regarding this matter. Although we have closed this file with our office, please note that our client’s licensed insurance adjuster determined that *** ***** was responsible for the automobile accident and we cannot control any actions that may take in regard to this matter. That being said, if *** ***** could please send us the court documents showing this matter was already taken care of, then we would be happy to forward the documentation to our client to determine if an adjustment is due.

 

We trust this resolves your concerns.

Consumer Response: 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 # ********. I am not responsible for providing the documents. The insured of your client went before the court and stated the cost he incurred when he did repairs to his car and that money was paid. The insurance company should talk to the insured and confirm this information. Regards, ****** *****  

10/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: September 8, 2014To Whom It May Concern:My name is ****** ***. I received a letter from Credit Collections Services on July 31, 2014, saying I owed 223.58 for Internet service. And on August 1, 2014 I received another letter for ******* in the amount of 177.30.I called Credit Collections Services on or about August, 2, 2014, I told them this wasnt mines. I have never lived at **** ****** ***. But, I do work part time at **** ****** ***., its a day care. They said they were going to send me a letter to complete for fraudulent charges within 7-10 days. I sent the letter back to Credit Services. However, they said they didnt get it. I asked for another fraudulent letter to complete, never received it. They asked me to pay the bill. I told them I wasnt going to pay for something I didnt do. On August 11, 2014, I spoke to ****** at 12:30. Advised him on what I found out. I went to the resident at **** ****** ******* ******** ** ***** to find out if they had Internet and ******* services. *** said yes, they did. I asked her what name the services were under. She said it wasnt in her name. She had rented a room to a **** **** in 2010 or 2011. **** **** paid the for Internet and ******* services. I asked her where was **** **** and could I talk to her. She said **** **** hasnt leaved there in about 3 or 4 months. I said do you know where I can find her. She said she is in jail. She went to jail for fraud with the *** in June or July 2014. I called Credit Service back to let them know what *** told me. Also, *** said she would pay for the services since she was using the service and it was at her residence. But, she would have to make monthly payments. When I called Credit Service back on August 8, 2014 to make the payment of $150.00 from *** they said it was transferred back to ****. I called ** ** on August 8, 2014 at 3:45; I spoke to **** *, ***** * and **** *. It was closed.

Desired Settlement: I called ******* on August 7, 2014 at 4:27. ***** said account was close.I want this cleared off my credit report.

Business Response: Our office is in receipt of the complaint filed by *** ****** ***.  We greatly appreciate this opportunity to respond.   As a preliminary matter, it appears that *** *** is confusing a ******* account with the **** account that our office is handling. That being said, *** *** had previously notified our office that she was a victim of identity theft and we immediately placed the account on hold at that time.  The account is now closed with our office and we are forwarding a copy of this complaint to our client to review.  Please note that our client may ask *** *** to provide documentation regarding the identity theft, i.e. fraud affidavit and police report.   We trust this resolves your concerns.

Consumer Response: 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 # ********.  Regards, ****** ***  

10/6/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Dear Sir: In reply to your notice of 7-13 for ********** *********. I do not owe them anything. In the notice the policy was canceled over 2 years ago and I did not approve of any extension nor was I billed for what ever policy you are talking about. There is no description of any policy or what it is for. **** ********** CC: ***** ******** ******* BBB

Desired Settlement: I do not owe them anything.

Business Response: Our office is in receipt of the complaint filed by *** **** **********. We greatly appreciate the opportunity to respond. As a preliminary matter, please note that the account in question revolves around an insurance policy that cancelled at the request of *** **********. When the policy cancelled, there was still a balance due for insurance provided from the date of last payment through the cancellation date.   That being said, we have closed this account with our office and *** ********** will not hear anything further from us in regard to it. We trust this resolves your concerns.

Consumer Response: 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 # ********.  Refer to my August letter. I do not owe the money you have billed me for. I will not take responsibility for one of your agents who can't cancel a policy in a timely manner. I don't appreciate the harassment and STOP THREATENING ME!! Regards, **** **********  

10/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Constant calling from different #'s . Hired by ******* ********** from ******* ****** for collection of fraudulent charges . There is no debt and any attempts to collect are fraudulent .

Desired Settlement: stop the fraudulent attempts to collect .

Business Response:

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

As a preliminary matter, we have agreed with *** ******’s request to stop contacting him and have closed this account with our office.  That being said, our client believes that *** ****** is responsible for the balance due. If *** ****** could provide us with documentation to support his claim of fraud we would be happy to forward the documentation to our client to determine if an adjustment is due. Specifically, if *** ****** could provide us with identity theft affidavit and police report.

We trust this resolves your concerns.

Consumer Response: 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 # ********. The party claiming a debt should provide detailed proof of such , not the other way around . This is fraud .  Regards, **** ******  

10/6/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: 12:27 PM 9/15/2014 I personally called CCS to review 2 letters I had received claiming I owed a debt to an insurance company (*******). The coverage stopped at the time I quit paying ******* and purchased insurance through another provider. This is where it gets good..... They told me I had to PROVE to CCS that I had switched providers and that they simply can't remove this although they personally have no proof the debt is valid or the right to demand proof of a policy change from anyone. If you have a letter from this company demanding money, I highly recommend that you are fully aware of what you are paying before doing so. This company should be held accountable via class action for these 100% illegal activities. If this has happened to you please file a complaint to BBB. I can stop it alone, or you can join me. Either way, as a business owner, I know that telling people these lies and demanding this information is completely illegal. The art of deception at it's finest!

Desired Settlement: Please be advised that you are hereby being issued a demand to remove all accounts associated with my name and/or business. At this time I am requesting to settle this issue for the amount of $250,000 USD for threatening damages to my credit by way of letters, the amounts being requested, as well as the time and effort consumed by disputing this issue; exemplary and punitive. Please remit the total amount within 10 business days; September 29, 2014. If you fail to comply with the demand of this complaint, I shall have no further option than to carry out remedy at the appropriate forum, not only for the above amount but also for attorney fees and costs. I suspect a possible cohort and conspiring scheme to be taking place, as well. Let no one lose sight of the potential of the discovery process to unravel even the most arcane evidence. If this matter escalates to litigation, I shall seek thorough audit of your financial books and you are now advised to preserve them for that purpose. Be well advised!

Business Response:

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

As a preliminary matter, please be advised that we have closed Mr. *********’s accounts with our office and he will not hear anything further from us in regards to them.

Notwithstanding the above, please be assured that Mr. *********’s former insurance company (our creditor-client) placed two accounts with our office for collections. The policies cancelled on 12/12/2013 and 1/15/2014 for nonpayment. When the policies cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation dates.

Contrary to Mr. *********’s assertion, please be assured that we did not demand that he provide us with proof that he had switched insurance companies. We were trying to assist Mr. ********* in resolving his concerns and asked if he could provide us with the declarations page from his new insurance company. We would still like to assist Mr. ********* in revolving his concerns if he could send the documentation. Upon receipt we would be happy to forward it to our client to determine if an adjustment is due.

We trust that this resolves your concerns.

10/6/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have received numerous calls from a Number Belonging to this company. They called me on this number ************ they do not identify themselves in the voices mail which are left intenonially blank. These calls were made on August 14th at 7:09 pm and at 7:39 Pm. A call was made on September 9th at 6:30 Pm and a call was made later that night at 8:49pm This call made at 8:49 violates the fair debt collection practices act that states that no calls can be made after 8pm. I have the List of missed calls with dates and times on my caller id and have saved the voicemail which has a time stamp of 8:50 Pm. If I have to I will even go to my phone company to obtain phone records to further prove this. It cannot be any clearer than this that CCS made a call on the 9th of September. I want the CCs to stop all contacting me at late hours of the night. If this cannot be resolved with the BBB I will file a complaint with the Arizona Department of Financial Institutions

Desired Settlement: I want CCS to stop all collection Activities and to stop contacting me at late hours of the night. It is my hope that this company will cease collection actives in which they violated the Fair Debt collections practices law. If they Cannot or will not than I will have to have to take legal action against them.

Business Response:

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

As a preliminary matter, we have agreed with Ms. *******’s request to cease collections. Accordingly, this account has been closed with our office. Further, contrary to her assertion, please be assured that all calls were made within the time period proscribed under the FDCPA as calls are permitted under the law between the hours of 8:00am and 9:00pm. We trust this resolves your concerns. 

10/3/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received two letters of demand and several phone calls from Credit Collection Services (CCS), which I believe to be an in-house collection agency for Progressive Insurance Company (PIC). The incident occurred 4/6/14, and has not yet been resolved. No determination of fault has been established by the court, no judgement has been filed, and no claim has been made through my personal insurance. CCS has also attempted to collect this alleged debt from another party (******* **** ********). The claimant (******** * *******) has also filed for restitution through ********* County for the same damages. Both Ms. ******* and her passenger claimed no injuries at the scene as well as upon completion of request for restitution paperwork. I do believe that the attempts of the parties involved to collect for damages exceeding the value of the vehicle and for injuries not sustained constitute insurance fraud. I further submit that CCS and PIC have no legal right to demand funds in excess of the requested restitution, without a valid claim, judgement or court order. My counsel is awaiting video surveillance from the scene prior to proceeding with legal action/defense. At the point in which this is received and reviewed, we will decide whether a counter claim can be made.

Desired Settlement: Until or unless a legal decision can be made, I am requesting that CCS and PIC cease any and all communication with me regarding this matter. Without a valid legal claim, I would like the aforementioned agencies to remove this alleged debt from their books.

Business Response:

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

As a preliminary matter, please be advised that we have agreed with Ms. *******’s request to cease communications and have closed this file with our office. That being said, our client’s licensed insurance adjuster determined that Ms. ******* is responsible for the automobile accident in question and we cannot control any actions they may take in regard to the claim. 

We trust this resolves your concerns.

10/1/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a letter from The CCS Company alleging that I owe them $50. The letter stated that they bought the account from another collection agency. In my 4 years of living at my address I never received a notice from the original creditor The CCS Company is alleging "***** ***********" or any notice from another collection company regarding a debt from "***** ***********". I even went so far as to look at my medical claims history with medical insurance provider and there were no claims for date of service 11/28/2012. I have had no business with ***** *********** whatsoever. This collection account is fraudulent and I wish for them to validate all claims against myself. Validation should include the orignal creditor's account number, documentation that indicates that I agreed to pay someone this sum of money, agreement that grants The CCS Company authority to collect on this alleged debt or proof of acquisition by assignment, and what The CCS Company paid for this account and how they calculated the current amount owed. If they are unable to validate the claim I wish for it to be removed from all credit reporting agencies and to no longer contact me in any form.

Desired Settlement: This collection account is fraudulent and I wish for them to validate all claims against myself. If they are unable to validate the claim I wish for it to be removed from all credit reporting agencies, a guarantee that this fraudulent account will not be sold to another debt buyer/collection agency and to no longer contact me in any form.

Business Response: Our office is in receipt of the complaint filed by Ms. ******** *****. We greatly appreciate the opportunity to respond.   Please be advised that our client placed this account with our office under Ms. *****’s name. If Ms. ***** believes this account is the result of fraud, then we would appreciate it if she could please provide a copy of a fraud affidavit and police report. That being said, we have closed this account with our office. Please be assured that we did not send this account to any credit reporting agency. We trust this resolves your concerns. 

Consumer Response: 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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Regards, ******** *****

10/1/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: CCS Collections is reporting on my credit reports as an open collection on behalf of Comcast Big South under account number********. I owe Comcast nothing. I contacted Comcast to confirm this, and have advised CCS. It appears that all they did was to update my credit report in July saying that I dispute the information. Please know that I am in possession of a letter from Comcast Executive offices, stating in part "Our records indicate there is currently no balance on account************* @ ***** **** ****** ****, ***** ******, MS*****. We are able to confirm that all account balances have been satisfied and cleared." Once again, please remove this erroneous collection entry from all 3 credit reports.

Desired Settlement: Remove your erroneous collection account entry from all 3 credit reports.

Business Response:



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

As a preliminary matter, we have closed the account with our office and have agreed with Ms. *****’s request to delete this account with the credit reporting agencies. Please note that we cannot control the speed at which the credit reporting agencies act upon our request. We recommend giving them at least thirty (30) days to update their records.

Notwithstanding the above, please be assured that our creditor-client placed this account with our office under Ms. *****’s responsibility. If Ms. ***** can please provide our office with the letter she received from our client, we would be happy to forward it to them to determine if an adjustment is due. 

We trust this resolves your concerns.

Consumer Response: [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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

I have also attached the letter requested.

Regards,

****** *****

9/27/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This is my second complaint about this business. I tried to contact this business two times after my previous complaints. The first time i called i spoke with a supervisor who refused to help me with the issue that i keep having. The second time i called i had a representive that refused to help me with the same problem this has been a ongoing issue for the last month and a half. I payed the company two weeks ago and even though it had no problem coming out of the bank account the day of paying them they said that it took two weeks to process I'm starting to think this is so kind of scam. Without the paperwork from this company absolving me from this issue i will soon lose my job and without that my family will be out on the streets. I have begged and pleaded with them to help me in some way but they continue to completely disregard me my future with my job and possibly put my family out on the streets.

Desired Settlement: All i want is completed paperwork so we can finally be done with one another. Thats it i don't want anything else i just want to be done with this company.

Business Response:

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

 

Please note that Mr. ***** also had filed another complaint with your office recently with these very same concerns. That being said, it is believed his concerns have been resolved as we have sent him the paperwork he was seeking.

 

We trust this resolves your concerns.

9/25/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received an alert from credit karma that this company put a negative mark against me for an alleged debt to progressive. I absolutely do not owe this debt. I am a current progressive customer and have been for a long time. If I owed them money why would they allow me to be a current customer?? That makes no sense at all. I want this removed from my credit report immediately!

Desired Settlement: I want all negative marks removed from all of my credit reports immediately!

Business Response:

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

As a preliminary matter, we have closed this account with our office and we have agreed with Ms. ******’s request to delete this file with the credit reporting agencies. Please note, we cannot control the speed at which the credit reporting agencies act upon our request and recommend giving them at least thirty (30) days to update their records.

Please be advised that the account in question is for the balance due on insurance premium that expired with a balance due. We trust this resolves your concerns. 

Consumer Response: [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 accept the response and will wait for the marks to be removed from my reports.

Regards,

***** ******

9/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received the first letter stating they where taking over the payments from ******* insurance which proves I have received mail from them. I have made my payments promptly by sending checks which have been processed, but I still haven't received my billing information. I have contacted them many times to get my billing information. They refuse to do so. Moreover, the sales rep I spoke to, ********* ********, tried to change the terms of my promissory not. I asked to speak without being recorded she told me she couldn't help me unless I agreed to be recorded. ok . then I insisted to speak to her manager which she kept replying there was no need. On the letter they sent at first, it states I would received payment stubs. I seems impossible to make this happen. I've given up on this. this is not a fair debt collection practice.

Desired Settlement: I want an invoice with all the payments I've made so far that reflects my up to date balance; Moreover, I want them to stop making attempts to change the terms on the signed promissory note and to provide me with future payment stubs every month from now on. thank you.

Business Response:

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

 

Please be advised that we are currently investigating the root cause of payment reminder letters not being sent to *** *******, and we hope to have that resolved shortly. We have received the following payments from *** *******: $100.00 on 3/5/14, $100.00 on 4/3/14, $100.00 on 5/7/14, $100.00 on 6/4/14, and $100.00 on 7/7/14. The current balance is $5,477.59. Please note that we have not yet received the August payment from *** *******.

 

We trust this resolves your concerns.

Consumer Response:

 

[I sent a check already #162 it was sent a little late because I was hoping to get an invoice this time but it did not happened.  Today is the 28 of august and I've been completely ignored. I think Mr. ****** ***** does not care a bit about this company's reputation .]

Regards,

 

 

 

Business Response:

We regret that our previous response was not satisfactory to *** *******. That being said, we did receive *** *******’s payment, but we have yet to receive his September payment. We trust this resolves your concerns.

Consumer Response:

 

[NO ONE IS READING ,  I GIVE UP, THI IS A JOKE. BUT I WOULD POST ON ANY AVAILABLE SOURCE , ****, ******, ETC.
AND  STILL, NO ONE CARES. WASTE OF TIME. JUST PAY AND SHUT UP.CCSC WILL STILL HAVE A+. I GOT IT, THANK YOU.

Regards,

 

 

 

9/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: A collections account recently appeared on my credit report from ccs. It shows an original balance of $194 & a current balance of $1,106 which cannot be correct because it says it is from Time Warner. I do not have the full account # my credit report only shows the first 4 digits of 2869. I never received anything in the mail from this collection company. I previously lived in *** ****** for several years and moved to *********** but my mail was forwarded so I do not believe I missed any mailings. I hired a credit repair law firm and they sent a DV letter on Aug. 4, 2014 and I have yet to get any type of response.

Desired Settlement: I want this account deleted from my credit report within 72hrs.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* *********. We greatly appreciate this opportunity to respond. Contrary to Ms. *********** assertion, please be assured that we did send her several letters beginning in March 2014. We have no reason to believe she did not receive our previous correspondence as none of the letters was returned by the post office as undeliverable. That being said, we have closed this account with our office and instructed the credit reporting agencies to delete the account. Please note that we cannot control the speed in which the credit reporting agencies act upon our request. We recommend giving the credit reporting agencies at least thirty (30) days to update their records. We trust that this resolves your concerns. 

9/21/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: this company is collecting on a debt that is not mine. I have never had insurance with Progressive. Collection amount 100.00. I am a victim of Id Theft and fraud. I had a ex use my personal information to obtain credit and to create bogus accounts to damage my credit and my good name.And that person was arrested and charged with ID Theft here in ********. I have had State Farm insurance for 14yrs. I have sent this company a copy of a police report date March 4,2014 report number ************ regarding this account. I have sent it to them via fax as requested as well. I am prepared to seek legal action against this company for violation of the FCRA. I demand the collection be remove at once. I have as of today filed a complaint to the states Attorney Generals Office as well as the FTC.

Desired Settlement: I want this collection removed from my Trans Union credit file at once

Business Response: Our office is in receipt of the complaint filed by Mr. **** **********.  We greatly appreciate this opportunity to respond. Please be advised that Mr. ********** had notified our office that he was a victim of identity theft in November 2013 and we immediately closed the account with our office at that time and instructed the credit reporting agencies to delete the account. We have no reason to believe that the credit reporting agencies did not act upon our previous request. That being said, we are again instructing the credit reporting agencies to delete the account and recommend giving them at least thirty (30) days to update their records.   We trust this resolves your concerns.

9/20/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On 3 separate occasions CCS has contacted me in regards to collections initiated by Allied Insurance. I have contacted Allied Insurance and they have twice submitted appropriate documentation to CCS to verify that the debt for which they sought payment was incorrect and to void the collection process. As of today, 9/13/14, I received yet another notice of collection from CCS. I believe they are attempting fraudulent collection and are bordering on harassment. Please see pasted text from emails from Allied Insurance to me. Sorry about all the confusion at the start again and we've notified CCS so it may take a few days for this to reconcile with them but it's taken care of. Please let me know if there's anything I can do! Good luck with the start of your school year ! :) I sending this out as per your request. I have called out to the collections agency and found that the form that was sent out to clear out the debt was not received by them. They did, however, provide a fax # to send out the form quicker. As of 8/22/14, that form was resent via fax and should be received today. I've noted the policy of this. If there are any additional questions, please call us back at **************. Thank you For prompt and personalized service, we ask that you contact us at ************ . Please do not reply to this email as to it will not be responded to, unless stated otherwise. This email account is not monitored.

Desired Settlement: Written Notification from CCS that the COLLECTION PROCESS HAS BEEN STOPPED AND CLEARED OFF and that there has been nothing reported to Credit Reporting Agencies. I would like them to be more diligent in how they follow through when companies verify collection errors.

Business Response:

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

As a preliminary matter, we have agreed with Ms. *****’s request to cease collections. Please note that we did not send this account to any credit reporting agency. That being said, we previously received documentation from Ms. ***** and we forwarded it to our client to determine if an adjustment is due. Our client reviewed the documentation and determined that the balance is still due. Although we have closed this account with our office, please note that we cannot control any actions our client may take in regard to this matter.

We trust that this resolves your concerns.

Consumer Response: [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 #********. Based on this communication and the chain of communications with Allied assuring me that the monies are not owed and such was forwarded to CCS, I will assume all parties have closed this matter. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

***** *****

9/19/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a letter from Credit Collection Services / CCS (also indicated as "warningnotice.com") regarding an outstanding debt with Nationwide Insurance in the amount of $48.07. No verification of debt or itemized statement was provided for the amount of collection. In contacting Nationwide Insurance (on two separate occasions over the last week), no outstanding debts were located by either customer service representative. Nationwide attempted to locate an indication of this debt including my social security number, my current and previous addresses, my date of birth, and the timing of the account cancellation indicated on the collection letter. As this outstanding debt cannot be verified, I wish to have this collection removed from all 3 credit reporting agencies, all collection attempts and assertions that a debt is present cease and desist immediately, and written confirmation of these steps having been taken by CCS.

Desired Settlement: Cease and desist collection attempts, Removal of the alleged debt from ALL 3 credit bureau agencies, and written confirmation that these actions have been taken.

Business Response:

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

Please be advised that we have agreed with Mr. ******’ request to cease collections. Accordingly, the account has been closed with our office and the credit reporting agencies are being instructed to delete the account. Please note that we cannot control the speed in which the credit reporting agencies act upon our request and recommend giving them at least thirty (30) days to update their records. Please also be assured that our client placed this account with our office for collections and we cannot control any actions they may take in regard to the matter.

We trust that this resolves your concerns.

Consumer Response: [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.]

CCS:

Your proposal is acceptable.

 
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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

***** ******

9/19/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have a open debt from *********** placed on my credit report negativaly impacting my score by ccs. This bill has never been sent to me by ccs. *********** also is incorrect on this bill as I recall I paid in September of 2011 and cancelled the remaining months of premium *********** is billing for several months that I didn't have services in. I would complain about *********** as well only I have no idea what there address is.

Desired Settlement: I want this debt removed/closed on my credit report also contact information for the progressive company that is billing unless debt is completly resolved and I have no more worrys of this issue. Much appriciated..

Business Response: Our office is in receipt of the complaint filed by Mr. ******* *****. We greatly appreciate the opportunity to respond.   Contrary to Mr. *****’s concerns, we spoke with him back in May 2014 and confirmed the address we had on file was his address. We have sent multiple letters to that address and have no reason to believe he did not receive our previous correspondence and we do not have any record mail being returned by the post office as undeliverable.   Please note that the account in question revolves around an insurance policy that cancelled on 12/1/2013 for nonpayment. We had previously sent Mr. ***** verification of the account, which showed that at the time the policy cancelled, there was still a balance due for insurance provided from the date of last payment through the cancellation date.   That being said, we have closed this account with our office and instructed the credit reporting agencies (CRA) to delete the account. Please note that we cannot control the speed in which the CRA’s act upon our request and recommend giving them thirty (30) days to update their records.   We trust this resolves your concerns.

Consumer Response: 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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Regards, ******* *****

9/18/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The company is not assisting me in timely fashion and is refusing to help me resolve these issues. This could cost me my job

Desired Settlement: All i want is my paperwork back and COMPLETED so i can get my license back

Business Response:

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

 

Please be advised that Mr. *****’ payment posted to our system today and that we are processing the paperwork for him to get his license reinstated.   

 

We trust this resolves your concerns.

Business Response:

We regret that our previous response was not satisfactory to Mr. *****. That being said, it is believed that his concerns have been resolved as the paperwork he was seeking has been sent to him. We trust this resolves your concerns.

Consumer Response: [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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

****** *****

9/16/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I, ***** ****** DON'T OWE CREDIT COLLECTION SERVICE ON THE ACCOUNT OF ******** ****** ********* *******…ACCT.# ENDING IN ***** ****. I WOULD LIKE CREDIT COLLECTION SERVICE TO PROVIDE PROOF I OWE 376.00 IN QUESTION... I'm asking for an Accounting of Charges so I can look for an accounting of all charges and payments showing how the payments were allocated (interest, principal, and late fees). Does Credit Collection Service have any evidence to support? In order to collect a debt legally, Credit Collection Service must prove it has the right to collect from me. To do this, Credit Collection Service must show an unbroken, valid chain of assignment back to the original creditor....I would appreciate if the company would verified ALL INFORMATION THROUGH BBB BEFORE MAILING ME.

Desired Settlement: I would like for Credit Collection Service to stop the calls and take this off my credit reports...Also, I need new credit reports from all three major agencies plus the fourth credit report agency (*******) being update by their company and an unbroken, valid chain of assignment back to the original creditor. ... Thanks! ***** ******

Business Response:

We are in receipt of the complaint filed by Ms. ***** ******. We greatly appreciate the opportunity to respond.

As a preliminary matter, we have agreed with Ms. ******** request to stop contacting her. We have closed this account with our office and are instructing the credit reporting agencies to delete the account. Please note that we cannot control the speed in which the credit reporting agencies act upon our request and recommend giving them at least thirty (30) days to update their records. Regarding the balance due, the account in question revolves around an insurance policy for three vehicles that cancelled on 9/25/2013. When the policy cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation date.

We trust that this resolves your concerns.

Consumer Response:
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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

***** ******

9/16/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I'm writing in regards to an account on my credit report(s) they claim I owe. Since I'm unaware of this debt and its origin, I'd like to formally request valdiation of this alleged debt. To be clear, I am unaware of this debt and according to the*****, I'm disputing this alleged claim and need complete, irrefutable evidence this account is legitimately mine and this claim is legally theirs, they are legally allowed to collect on it, as well as report it to the credit reporting bureaus. I would need, at a minimum, the following information: Proof I agreed to this debt with my signature(s) Proof the amount they are claiming is correct and legal, which will require all statements and payment history from the original creditor Proof this account is within the Statute of Limitations and has not expired Proof they are the owner of this account, which will require the contract and terms between they and the original creditor Proof they are legally licensed (bonded and insured if applicable) to collect this debt in my state For verification purposes, I will need their business license number(s) I am sure they are aware if they are unable to provide these few basic facts, they are in violation of the**** and*****, as well as potential state and local laws. That being said, if they cannot provide this basic information, and continue to report this unverified, non-validated debt, I will pursue this legally for the following reasons: Defamation of Character Violating the **** ****** ********* *** ********* *** **** **** ********** ********* *** ********* for additional claims as my lawyer sees fit Until this debt is validated, if even possible to validate, I expect the above account be removed from all credit reporting agencies, since it is unverified and has not been validated. If they continue to report this unverified, non-validated debt, I will be seeking legal counsel over this matter. We are both aware a debt that has not and may not be validated cannot be reported as accurate information within my credit file(s). Please remove all referrences regarding this debt from all reporting agencies until they can provide irrefutable evidence this debt is legitimate and they are legally allowed to collect on it as the owner of this debt. If they are unable to provide the proof I requested within 30 days of receipt of this notice, I expect they remove and/or continue not reporting this account from all reporting agencies, which is mandated under federal law. Until the above request for irrefutable evidence about this account is sent to me, I wish they please cease and desist all further future attempts to collect on this debt. This includes no phone calls to my home phone number, no calls to my place of work, and no calls to my mobile phone. All further future attempts to collect on this unverified debt by phone must cease and desist until it is validated, if it is even possible to validate. All communication from this point forward must be done via mail or email! I would also like to warn them and their company that I may, and likely will, use devices to track and/or record any further, future attempts by them or their company to contact me by phone. Please understand, all future phone calls made by or from the company, whether answered or unanswered, may be tracked and recorded. I may also use this information, if needed, to help prosecute them and their company to the fullest extent of the law. This is an attempt to collect information and/or correct the record. Any and all information collected shall be used for that purpose. I have been completely unable to contact this company by any other means then filing a formal complaint.

Desired Settlement: I wish there to be contact made to me only by mail or email, I wish for them to validate all claims against myself. If they are unable to validate the claim I wish for it to be removed from all credit reporting agencies and to no longer contact me in any form.

Business Response: Our office is in receipt of the complaint filed by Mr. **************. We greatly appreciate the opportunity to respond. As a preliminary matter, please be advised that we have agreed with Mr. ********* request to cease collections and we are instructing the credit reporting agencies to delete the account and recommend giving them at least thirty (30) days to update their records. Please note that we cannot control the speed in which the credit reporting agencies act upon our request and recommend giving them at least thirty (30) days to update their records.   We trust this resolves your concerns.

Consumer Response: 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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Regards, **************

9/13/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been contacted multiple times about a debt. I tell them my name and they then tell me Iam not the one they are trying to collect the debt from. My middle name is ******** and not what they are looking for. They assure me they will take my name and number off the list but 1 month later they are calling again. I have had many "Iam so sorry" but calls continue. They won't tell me who they are trying to collect for and won't give me any information because it is not my file. I then ask them why do you keep calling and they say it is a mistake. I want it to STOP. I have contacted a lawyer, Mr. ***** ****** and now creating a paper trail in case I decide to file a law suit. I have never sued anybody before but if anybody deserves to be sued it is Mr. ***** ******* and CCS companies. There are many,many complaints but they are still in business. I guess hounding innocent people is big business in America today. How would Mr. ******* like to be hounded like that. Thanks ****** * ********

Desired Settlement: For them to keep their word or Mr. ***** will be contacting them after two more complaints. No more calls.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** ********. We greatly appreciate the 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 Mr. ********’s complaint. If Mr. ******** could please provide us with the phone number that he is receiving calls, we would be happy to investigate his concerns further. To expedite this matter, he can email the information to *********************** * We trust this resolves your concerns.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** ********. We greatly appreciate the 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 Mr. ********** complaint. If Mr. ******** could please provide us with the phone number that he is receiving calls, we would be happy to investigate his concerns further. To expedite this matter, he can email the information to *********************** * We trust this resolves your concerns.

9/11/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I would like to file a complaint on July of this year I recieve a letter in the mail regarding my past due insurance Old insurance company (********** *********) in the past on November of 2011 I had lapt of insurance after my old bank (***** *****) took all the money out of my account to where I could not pay my insurance policy with ********** at the time I than cancel my cancel that insurance. Also I have recieve a letter from ********* on December of 2013 regarding other past due bills although I have made arrangments into getting dose bills paid off & also in that letter I was force to sign & also there were threats made in that letter saying that they were going to sue me also the letter was from the court house in Reliegh NC which ********** did not need to send a letter to the court aswell I did not refused to not make a payment & that the econemy is bad I do not need to be responsibile to anything regarding ********** Insurance in order to solve this problem I can call ******** **** ********* to help ********** Insurance agent I just want my name to be removed from ********** Insurance but as of August (last month) I look online at ********** to make a payment of $20.26 on the website shown aboved I used my debit card & it had pressed the payment of $20.26 & that I was aproved of the payment but as of September 9,2014 they sent another letter in the mail regarding the bill of $20.26 on this letter Credit Collection Services made threats say that they are going to put my information to a Credit Bureaus which they dont need toI have made a payment on August 29,2014 where did the money go Credit Collection Services I just want this such pament to be paid off & That ********** needs to removed ******* ********** off the company & Credit Collection Services needs to do so after the payment is made or else there gonna be problems with Credit Collection which I dont have time & Im sorry if Im making threats Im not I believe ********** Insurance is causing problems it just needs to stop I am with another insurance agent & I am happy with there Insurance I have left ********** Insurance in the summer of 2012 now I just want my name to be removed rom that company .

Desired Settlement: I just want my name to be removed from the Credit Bureaus also from the Credit Collection Services once they recieve the payment of $20.26 I also dont want to hear from Nationwide Insurance contacting ******* ********** I just want my name to be removed from Nationwide Insurance.

Business Response:

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

 

Please be advised that payment in full was received from Mr. ********** on 8/31/2014 and the account has been closed with our office.  Further, please be assured that we did not send this account to any credit reporting agency.

 

We trust this resolves your concerns.

Consumer Response:
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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

******* **********

9/8/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My name is ****** *****Per Federal law protection, I want to file a complaint against CCC (Credit Collection Service)Here is what happened between CCC and me.1.CCC represented ********* ********* ******* to collect past due balance$1135.89 from me.2. I am new graduated student, cannot afford the price as $1135.89.3. Thus I negotiated with ********* ********* to settle down the payment lower to $740, instead of $1135.89. Universal agreed to offer me $740 as a discount price.4. Therefore, I noticed CCC of the settlement amount $740 approved by ********* ********* ********. Then, CCC contacted ********* and confirmed the amount lowered from $1135.89 to $740.5. After acquiring confirmation of $740 as settlement payment from both CCC and ********* *********, I decide to call CCC regarding using which payment method convenient for them to receive my payment. Meanwhile, I am a little worried about if CCC has already recorded adverse credit info on me and keep on file. So I asked them about it.6. IT turns out that in the absence of any notice from CCC, CCC has already arbitrarily recorded me as the candidate of adverse credit info on file up to 7 years.7.And it is even more ridiculous that CCC offered me 2 options:Option 1: pay them $1135.89, they can clear the balance and also completely remove adverse credit info on my file.Option 2: pay them $740, they only clear the balance but not remove adverse credit info on file

Desired Settlement: As a customer, protected by Federal law and BBB, I strongly required Credit Collection Service agency to be fair to me:Completely remove adverse credit info added on my file when I pay $740, not $1135.89.CCC, only by overcharge can remove customer's adverse credit info is against Federal law requires.

Business Response:

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

Please be advised that as a courtesy to Ms. *****, our client has agreed to settle the account for $740.00. Even though Ms. ***** has yet to pay the settlement, we will extend the settlement due date to 09/10/2014. However, please note that we cannot remove the account from her credit bureaus. Upon successful negotiation of the payment, we will report the account as settled in full to the credit reporting agencies.

We trust this resolves your concerns.

8/30/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I've been a victim of identity theft. Someone opened a ******* account in my name and I am getting billed from this collection agency. I let them know that I never lived at the address where the service was provided. Credit Collection Services want me to fax a police report, an *** complaint and my photo ID and Social Security Card. I told them that I wasn't comfortable faxing my ID or SS, this is the way identity theft occurs in my mind. They aren't satisfied with just the police report and complaint and I don't intend to send my personal information via fax.

Desired Settlement: I need them to accept the documents that I am willing to send without compromising my privacy any further.

Business Response:

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

 

*** ****** is reluctant to pass along certain information in regard to his claim of identity theft. Please be assured that we will certainly pass along any information he sends to our client to review, but in order for our client to conduct a full investigation we cannot guarantee that they will not ask *** ****** to provide certain additional information. That being said, we have closed this account with our office and have forwarded a copy of the complaint to our client to review.

 

We trust this resolves your concerns.

8/28/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: A few years ago, I called ********** Insurance Company and asked to have my car insured. They acceded to my request only to send a letter of cancellation a few days later, after they had already taken my money. Upon receiving a letter of cancellation without even stating why the policy was cancelled as I had just bought it and they were in possession of my money, I was lost for words. To comply with the state mandated requirement to have one's vehicle insured, I wasted no time in securing another insurance notwithstanding the fact that ********** had already taken my money and ran away. Then the following month, I received a bill from ********** insurance seeking payment for sweet nothing. I therefore sent them all the relevant information on my new insurance showing I had moved on to a different insurance Company. The cover letter I sent them had colorful language as Iwas very upset at the time. It appeared they had understood and were satisfied with grabbing my ­money for which no service was provided. **** you, I was never told why my policy (very new one) was cancelled. A few years have passed and now they are seeking more money from me as if stealing the first time was not enough. I am disputing this bogus bill. The policy was cancelled not because of nonpayment of premium. Why was the insurance cancelled a few days after it was written and why was my money not returned to me? And now you have the temeríty to me? For what if I may ask? Sincerely, ******* ****

Desired Settlement: I am requesting an explanation for your attempt to steal from me. The days when you can just do anything to consumers and get away with it are long gone. It be prudent on your part to furnish justification for your extortion.

Business Response:

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

 

The account in question revolves around the balance due on an insurance premium that cancelled on 1/24/2011. When the policy cancelled, there was still a balance due for insurance provided from the date of last payment through the cancellation date. We would be happy to investigate *** ****’s concern that he obtained insurance with another company if he could please provide us with a copy of the declarations page from his new insurance company. Upon receipt, we will forward the documentation to our client to determine if an adjustment is due. That being said, this account has been closed with our office.

 

We trust this resolves your concerns.

Consumer Response:

The points are being missed here. First, once I received a notice of cancellation, I immediately purchased insurance from a different establishment. That was a few years ago and I have since changed insurance. ***** **** was one of them. Proof of this was requested by ********** and sent to them when I initially contested their bogus bill. How Many times can that request be made? I am simply not responsible for their ineptitude if rogue behavior. Second, that was a few years ago. Who keeps papers of events or issues that was already addressed and solved? or do I thought and believed. I do not even remember the name of the insurance (***** **** was one of them) because I was so devastated by ********** taking my money only to cancel the said policy a few days later. Third, I have no problem with their cancellation but why was I not refunded the balance owed me? Instead they cunningly extended their cancellation in a dubious bid to collect some more money but I beat them to it. To just accept my money and then cancel on their whims is rascally would you not say? To this day, they have not not told me why the policy was cancelled. I now have *** ***** and I am satisfied with it. I have had them since January 2012. The ********** cancellation notice was received in December of 2010 or thereabout. If I may ask again, who keeps such information after so many years? I am kindly asking that yo let ********** know I owe them nothing and that I had sent them the so called declaration page as soon as it was requested and I will waste no more time digging for it. It stands to reason that it would not take them this long to request it would it? My letter of complaint states clearly that I had sent them want they requested and the case should have been closed.


 

Regards,

 

 

 

8/28/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On or about 7/18/14 I received a bill from credit collection service, concerning a bill they say I did not pay a $71.62 back on 10/11/2011. My *** statement shows I paid $683.00 ck # 1128 on 11-/9/2011 and out of that $683.00 50% went to my homeowners ins and 50% went to my auto insurance. Bank statement and collection services statements enclosed.

Desired Settlement: I paid the $71.62 to the collection company on 7/24/2014 ck # 5677.

Business Response:

We are in receipt of Mr. **** ******’s complaint.  We greatly appreciate this opportunity to respond.

Please be advised that payment in full was received from Mr. ****** on 7/29/2014. The account was immediately closed with our office and Mr. ****** has heard nothing further from us since that time. Please note that if Mr. ****** has proof this account was previously paid, we would be happy to review the documentation with our client if Mr. ****** could please send us a copy of the cancelled check.

We trust this resolves your concerns.

Consumer Response:

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. 

 Please see attached copy of check in question regarding payment made to Nationwide Insurance. I have never been notified of this issue after 3 years this should be a closed issue.

Regards,

 

 

 

8/27/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The CCS USA company has been collecting payments from my mother, but I am the one who make such payments. One of the problems is that they don't send me the bill for every month. Also they never told me why they were collecting money, and they make a increased the amount I have to pay without sending me a letter or notification. How can they expect me toady the bill, if I don't receive the bill.

Desired Settlement: I want to start receiving the bill and if I don't start receiving information from them, is there a chance that the account can be closed down from lack of responsibility from CCS USA and get a refund of what I have paid.

Business Response:

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

 

Please be advised that we are sending Mr. ******* documentation regarding his payment arrangement with our office. If he could please sign the documentation and return it to our office, then we will be able to place the account into a status that provides him with a monthly reminder letter.

 

Regarding the balance due, please note that this matter revolves around a subrogation claim, and the first letter we sent on the file clearly advised that any further damages paid by our client would be added to the balance due.

We trust this resolves your concerns.

Consumer Response: [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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

******* *******

8/25/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I called CCS and asked them to accept a settlement amount. They agreed. The rep (I failed to get her name) assured me that a payment in full receipt would be available online shortly after payment has posted/cleared. Payment was debited from my account the day after I had spoken with them. I tried Monday to get a receipt from the website, however it said that once payment has posted and funds have cleared that it would be available. BOTH of those conditions had been met. I called a rep and asked her about it. She said it would be no earlier than 18 days before I could do that. Demanded to speak w/supervisor. Spoke with *******. He then said it would be no earlier than 8 days. I asked him why? If funds have cleared my bank, why does it take so long? Of course he didn't have an answer.

Desired Settlement: I need a receipt showing that it has been paid in full (they accepted my settlement offer of $175.00)(my original receipt # is 579600) within an acceptable amount of time. If funds have cleared and they have the money, there is no reason to wait so long for a receipt.

Business Response:

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

Please be advised that a settlement in full receipt will be made available via our website once the funds have cleared the bank. *** ***** can return to the website on 8/26/14, or any time thereafter to print a formal receipt.

 

We trust this resolves your concerns.

Consumer Response:

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. Funds were cleared the same day I called---8-15-14. Screenshot of my online banking is attached. 

 

Regards,

 

 

 

8/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company had ****** ***** call me at 8am on a Saturday morning demanding money. They did not verify nor advise why until I pressed them. In the end, the debt (a) could not have been incurred by me; (b) was not mine. Since I did not incur this debt, I do not have an exact amount for the amount in dispute. Nor can I advise the BBB of the "date of purchase". The account number is the reference number provided by the Collection Agency

Desired Settlement: The agency should confirm that they will no longer pursue me for this, and promise that my credit will not be affected in ANY WAY SHAPE OR FORM. If my credit has been affected, they must IMMEDIATELY remedy the situation and accept liability for any losses I may incur as a result of their actions.

Business Response:

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

 

Mr. *** is believed to be responsible for the account. That being said, we have agreed with his request for our office not to pursue this matter further. Accordingly, we have closed this account with our office and he will hear nothing further from us in regard to the matter. Further, please be assured that we did not send the account to any credit reporting agency.

 

We trust this resolves your concerns.

8/20/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: his company placed a collection report on my credit report. I have requested that this company send me an itemized bill for the alleged debt owed. I have sent letters to the numerous addresses on file to this company requesting some form of documentation to verify the information on my credit report . This company has failed to respond to my request. Failure to respond and verify a debt within the requisite time requested is a violation of my consumer rights. Additionally, the cost of mailing letters only to get no response is both costly and unacceptable. I would like to have this matter resolved as soon as possible.

Desired Settlement: To be removed from my credit reports.

Business Response: We are in receipt of the complaint filed by Ms. ***** ******. We greatly appreciate the opportunity to respond. Please be advised that following receipt of Mr. ******’s dispute letter, the account in question was closed with our office and the credit reporting agencies were instructed to delete the account. Please note that we cannot control the speed in which the credit reporting agencies act upon our request and recommend giving the credit reporting agencies at least thirty (30) days to update their records. We trust this resolves your concerns. 

Consumer Response: 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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Regards, ***********

8/18/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a letter from Credit Collection Services (CCS) in regards to an outstanding debt with Progressive Insurance Company. There is no verification of the debt or itemized detail of what the outstanding charge of $134.47 is for. A call was made to Progressive Insurance in regards to any available information on this outstanding debt/account, and no information was found under my name. Verification with Progressive insurance included social security number, current address, driver's license number, date of birth, and possible state the policy could have been opened. No details were found. Because this outstanding debt cannot be verified, I wish to have this collection item removed from all 3 credit reporting agencies, and all actions for collections cease and desist immediately.

Desired Settlement: Cease and desist collection letters Removal of debt from ALL 3 credit bureau agencies

Business Response:

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

As a preliminary matter, please be advised that we have agreed with Mr. ******* request to cease collections. Although he will hear nothing further in regard to this matter, please note that our client placed this account with our office under Mr. ******* name. The account in question revolves around an insurance policy that cancelled for non-payment with a balance due. Further, please be assured that we did not send this account to any credit reporting agency.

We trust this resolves your concerns.

Consumer Response: [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 #********.  No information has been provided from either Progressive Insurance and/or this collection agency, and per our agreement, collections activities will now cease.   I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

**** *****

8/18/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received your initial ­communication regarding this alleged debt on July 5, 2014. I sent you a response including dispute of the debt, dated July 6, 2014 USPS certified-mail confirms my response was received by you on July 10, 2014. 7 days have passed since you received my response, 12 days have passed since I received your initial communication, and 20 days have passed since your initial communication was dated. You have had ample time to comply with the law and I have received no further information or communication from you. You are in clear violation of the Fair Debt Collection Practices Act (FDCPA). The text of 15 USC 16929 states: (a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. You have failed to meet the requirements described ìn subsections (a)(l), (a)(3), (a)(4) and (a)(5) in the foìlowing ways: Subsection (a)(1) : There is no reference to the amount of the alleged debt. Your letter does not include the words "dollar" or "cent", any symbol representing dollars or cents, nor any reference to any foreign or domestic currency in any way. Subsection (a)(3) : Your letter does not include any statement regarding disputation of validity. Subsection (a)(4) : Your letter does not include any statement of your willingness to obtain verification of the debt or judgment, nor send a copy of any verification or judgment. Subsection (a)(5) : Your letter does not incìude any statement that you will provide the name and address of the original creditor. You have further failed to meet the requirements of subsections (a)(3), (a)(4), and (a)(5) as your letter does not include any mention of a thirty-day period in which to dispute the debt, request verification, or request the creditor's Contact information. As your initial communication does not meet the requirements of the FDCPA and no subsequent communication has met these requirements, you have broken the law. I will be reporting your behavior in this matter to the appropriate authorities, including the Federal Trade Commission and the offices of the Attorneys General of the states of New Hampshire and Massachusetts, whose laws you may also have broken. In addition, I will be communicating with the Better Business Bureau, whose logo you so prominently display in your letter. I will be reviewing my credit reports in the coming weeks and months to verify that you have not taken any action against me and that you have fulfilled your obligations under the Fair Credit Reporting Act and the FDCPA. Other than responding to my demands for information, I expect to never hear from you again. Failure to meet my demands, or any other action taken by you in this matter will be met with legal action. In accordance with 15 USC 1692K this action may include filing a claim for statutory damages of $1000.00 in addition to all costs and fees incurred by myself due to your illegal conduct. Sincerely, ******* ** *****

Desired Settlement: I demand that you immediately cease any and all debt collection activities. I further demand that you send me full contact information of the alleged original creditor and a full accounting of the alleged debt. If you have made any report to any credit agencies, I demand you contact those agencies and do all of the following: 1) Inform them you have taken action against me in error 2) Inform them your actions were in violation of the law 3) Inform them the debt you claimed is invalid 4) Request they delete any associated record from my report

Business Response:

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

Please be advised that we have agreed with Mr. ******* request to cease collections. Accordingly, we have closed this account with our office and Mr. ***** will hear nothing further from us in regard to this matter. Further, please be assured that we did not send this account to any credit reporting agency.

We trust this resolves your concerns.

8/17/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Recieved numerous telephone and mail debt collection inquiries for a person that I have no knowledge of. Collection agency representatives requested my SSN and Driver's License number to prove that I was not the person they were looking for. The representative became beligerent when I refused to give my personal information.

Desired Settlement: I want the calls and correspondence to stop. I want an apology letter stating that I was contacted in error and clarifying that I am not the person that the company is looking for. I want the company to discontinue using internet people searches to find people with similar names.

Business Response:

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

 

Please be advised that our office was not able to locate the file in question that is associated with Ms. ******* complaint. If she could please provide us with additional information we would appreciate it. Specifically, the phone number she is receiving the calls at, a copy of any letters she may have received that list a file number, or any other pertinent information that will help us locate an account. Upon receipt of this information we will investigate Ms. ******* concerns further.

 

We trust this resolves your concerns.

8/17/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company called me Saturday the 28th of July, started to talk then disconnected. Then they called me back Saturday August 2, 2014 and told me they where recording the call and this was to collect a debt. I told them I wanted a copy of the recording and that the allege debt was not valid. They said they dont provide recordings and did not have to prove the debt. Additionally I wrote to this company asking for proof of this debt as well to tell them not to call me anymore, that all communications would breed to be in writing and that I would not cooperate with them anyways, I will ONLY work the the original creditor and no one else.

Desired Settlement: Stop calling me, I will not have a phone conversation with any debt collector and if they continue to herass me after this notice then I will simply forward the matter to my attorney, Who has already settled with other debt collectors for violating the fair debt collection act on my behalf.

Business Response:

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

 

Please be advised that we have agreed with Mr.******’ request to stop contacting him. Accordingly, we have closed this account with our office and Mr. ****** will hear nothing further from us in regard to this matter. Please note that our client believes the account is due and we cannot control any actions they may take in regard to the matter.

 

We trust this resolves your concerns.

8/12/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Letter came stating they were collecting for ********** *********. States I owe 236 from 12/2008. Have had no contact regarding this debt befo File number ** **** ****** Amount 236 Letter 7/29/14 Recieved letter about 6 year old debt that was owed to *********** ********* from 6 years ago. I switched ********* companies 6 years ago and have never been contacted until now regarding any amount owed. Called the CCS and they accepted my dispute over the phone and siad they would call *********** and have them send me a letter stating I owed this from 6 years ago. When I asked if there would be any detail to show how they came to this total they said no. I asked if they would take my verbal dispute instead of in writting ansdthey stated they would flag the dispute in the system but this still needed to be in writing. I ased if email would be considered in writing and they said they did not know even though the notice even included a paragraph giving you the option to flag this account for all communications to be done via email. I even had to read this paragraph to the gentlement on the phone 2 times. Intereting considering the notice I was reading was from something they sent me. Gentlemen basically stated well if that what it says then you can do that, but refused to give me a straight answer if that would be considered in writing. I believe this was intended as a trick so they can get you to set up email communication and not consider the dispute in writing and after 30 days you miss your opportunity to request the debt to be validated. The gentlemen also could not give me a straight answer whether they purchased this debt or were acting on behalf of ***********. He asked why this matters and I stated because the rules are different if the debt is being collected by the originial creditor or not. Gentlemen stated he did not believe that is true. I have sent a dispute letter and will update if I get a response. I think it is not a fair business practice. Not knowing the collection rules has become commonplace for collection agencies. Also to put something on the notice leading folks to be it will be easy to set up email communication. All the while not allowing that to be considered a dispute in writing. Gentlemen also told me this would be reported to credit agency which they have to wait as long as the case is in dispute. They should be able to just a letter stating you owe 200+ without giving you some kind of detail of how they got that total and proving that you owe it. Otherwise why couldn't anyone jsut start sending letters to everyone and state you owe me money. If they dispute just send them another letter stating the same thing. That is not debt validation.

Desired Settlement: Proof in detail of why and how this debt cam about. IF they can not provide that proof send me a letter stating this is resolved and nothing is owed. Do not report to credit agency or take the steps needed to remove from credit agencys. Letter confirming that agency were not reported to or proof steps were taken to remove reported items from credit report.

Business Response: Our office is in receipt of the complaint filed by Mr. ******** ******. We greatly appreciate this opportunity to respond.   Please be advised that contrary to Mr. ******’s assertions, our discussion with him was not as described in his complaint. During our previous conversation with him, we not only indicated that we would accept his verbal dispute, but as a courtesy to him we also accepted his verbal request for verification of the account. Accordingly, verification of the account was requested from our client and we will provide it to Mr. ****** if and when it is received. That being said, we have closed this account with our office. Please note that we did not send this account to any credit reporting agency.   We trust this resolves your concerns.

Consumer Response: 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. This response is both contradicts itself and is incomplete response to all concerns.  The response contradicts itself because it states will forward verfication if recieved from client, but also said you are closing this account with the office.  IS the account closed or are you continuing to attempt to collect or verify this debt.  The respone is incomplete because it doen't repond to several items.  I believe it is an unfair business practice to send a notice requesting the consignee of the letter contact the office, and the reciever of said call does not even know what is stated on the notice.  I asked multiple times if email would be acceptable "in writing dispute."  I had to read to the gentlemen mutiple times from the notice what it stated in regards to communication via email.  Shouldn't this person be aware of wha tthe letter states.  I do acknowledge the gentlemen stated he would take my dispute verbally, but strongly suggest I submit in writing as well.  This is how the subject of email from the notice even came up.  I also asked if they owned this debt or collecting on behlf of debtor.  This was not addressed in the response.Regards, ******** ******  

8/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a letter from them about an alleged debt to **** ******. I let them know I was exercising my rights under the Federal Fair Debt Act and informed them that this was a disputed amount and unless verification could be provided they were to cease all communication along with collection activities as I would only deal with the alleged original debtor. What I find funny is that I have **** ****** now and have never missed a bill with them. They know show up on my credit report on this false, unverified, and disputed debt. I find them unethical and will be reporting them not only here but to the ******** ******* of both MA and KY along with the ***.

Desired Settlement: They are to cease all communication and collection activities and are to remove themselves from my credit reports or I will seek all civil penalties available to me under the law and they can come here to the Commonwealth and explain to one of our judges why they failed to follow the law.

Business Response:

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

Please be advised that we have agreed with Ms. ****’s request to cease collections. Please be assured that our client placed this account with our office for collections with Ms. ****’s as the person responsible for the balance due. Further, we have instructed the credit bureaus to delete the account. Please note that that we cannot control the speed in which the credit bureaus act upon our request. Please give the credit bureaus at least thirty (30) days to update their records.

We trust this resolves your concerns.



 

Consumer Response:
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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

****** ****

7/29/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In October 2013 ******** ******, a twenty year old student at Merrimack College suffered a broken leg during a football game. He presented for xrays at Holy Family Hsopital (LM RAD Company). His health insurance and secondary coverage information (coverage for student athletes) was given at that time. Bills came to the home addressed to **** ******, the father of the patient. Multiple calls were made to the hospital, billing department for the hospital and collection agency to give insurance information again and to correct the mistake in the billing. Multiple harassing phone calls have come to the home to **** ******, Sr. who has nothing to do with this in any way and is not the subscriber for the insurance. ***'s private health information was discussed, ie: services performed and dates of service. All coverage information was mailed for the third time and refaxed to the collection agency in June and verified that it was received. Calls were made to the secondary ins and verified that no bills had been sent to them. Today, nine months after the injury the collection letters and calls have returned. It is unknown who is actually being billed and threatened with poor credit , it is addressed to ****, and the multiple daily harassing phone calls are directed to **** but the injury was to Jonathon as were all of the medical services. This has been told to all of the parties involved multiple times. This must be corrected and stopped.

Desired Settlement: This must be fixed, insurance coverage noted correctly and rebilled if necessary. Health information can not be discussed simply because of clerical errors and wanting a bill paid at all costs. If any credit bureau reporting occurred this must be immediately rectified. Please notify in writing that this is fixed so that months later it doesn't resurface again.

Business Response:

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

 

It does not appear that Mr. ******’s concern is with CCS’ handling of the account. Instead, he disputes that he is responsible for the account. Accordingly, we have closed this file with our office and forwarded a copy of the complaint to our client to review. Please note that we cannot control any actions our client may take in regard to this matter. Also, please be assured that we did not send this account to any credit reporting agency.

 

We trust this resolves your concerns.

7/29/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Credit Collections Services has been attempting to collect various amounts ranging from $20000 to $174000 over the last several months. There is no itemized statement and this entire case against me was dismissed in ****** ****** Superior Court. There attempts have included multiple threatening letters that list ******* **** as their client. They are also working in tandem with other collection complaies representing hemsolves as anything but what they are; commissioned collection agencies. I do not owe anyone or any company money related to this.

Desired Settlement: I would like Credit Colelctions Services to stop contacting me with these letters for something I do not owe. They have failed to provide any type of itemized stements other than thier form letters. I do not owe anyone or any company money related to this.

Business Response:

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

 

Please be advised that we have agreed with Mr. ******’s request to stop contacting him. Although he will hear nothing further from us in regard to this matter, please note that our client’s licensed insurance adjuster determined that Mr. ****** was responsible for the automobile accident and we cannot control any actions they may take in regard to the matter.

 

We trust this resolves your concerns.

7/26/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was insured by *********** Insurance. I was on a monthly payment plan, and on my last months premium on a 6 month term, I called *********** and asked for a 2 week extension on my last monthly payment during that term, and I was refused. Subsequently I was cancelled by *********** and ended up utilizing another insurance carrier as a result. I shortly received a bill demanding 2 months premium after I was cancelled by ***********. I contacted *********** and the representative informed me that this was an error and that I only owed the one last months premium on my 6 month automobile insurance policy and that nothing else was due based upon myself being cancelled by their company. I never heard from *********** again until here recently. I have received a letter of demand from ***********'s collection service requesting 275.48, along with a demand for an additional 6 month policy renewal premium fee of 795.00 for the 6 month policy period after I was cancelled and had no business relationship with *********** at all. I have contacted the ****** ***** Insurance Commission on this as well, as this is highly illegal business activity. The reporting of this erroneous information by *********** ********* Insurance Company and Credit Collection Services to credit reporting bureaus has destroyed my credit for no reason, and has damaged me. The actions from these two companies in which I will as well be filing a complaint with regards to *********** ********* Insurance in my opinion and based on material facts was maliciously done with malice and on purpose for NO reason at all.

Desired Settlement: *********** Insurance and Credit Collection Services are seeking a 275.48 +,and 795.00+ totaling 1070.48. These amounts need to be removed from collection status immediately. Negative remarks reported to credit bureaus need to be removed and corrected immediately. Due to the nature of the business practice that *********** Insurance and Credit Collection Service engaged in with regards to me, I am seeking 10 times the amount they were seeking in their collection demands $10,704.80 as settlement.

Business Response:

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

 

Contrary to *** ******* assertion, he had two insurance policies with our client. One expired with a balance due and the other cancelled for non-payment with a balance due. If *** ***** could provide proof he was insured prior to the cancellation of each policy, then we would be happy to investigate his concerns further with our client. That being said, we have closed these accounts with our office and are instructing the credit bureaus to delete the accounts. Please note that we cannot control the speed in which the credit bureaus will act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records.

 

We trust this resolves your concerns.

7/26/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I got a collection notice from CCS from a company called ******** **** & Casualty, for the amount of $134.31. I have no idea what this is for and I would like an explanation of the charges. I’m aware of my other account with them dealing with Infinity Insurance Services. I am also disputing that charge with the Department of Insurance here in California.

Desired Settlement: To clear the charges and to please explain where the charges are coming from.

Business Response:

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

 

Please be advised that the account in question is for the balance due on an insurance premium that cancelled on 2/12/2014 at the consumer’s request. When the policy cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation date. That being said, we have closed this account with our office and the consumer will hear nothing further from us in regard to the account. However, please note that our client believes the account is due and we cannot control any actions they may take in regard to the matter.

 

We trust this resolves your concerns.

Business Response:

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

 

Please be advised that the account in question is for the balance due on an insurance premium that cancelled on 2/12/2014 at the consumer’s request. When the policy cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation date. That being said, we have closed this account with our office and the consumer will hear nothing further from us in regard to the account. However, please note that our client believes the account is due and we cannot control any actions they may take in regard to the matter.

 

We trust this resolves your concerns.

7/25/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My ex-wife took my child to ******* and owed a $14 balance. Since they have no way to collect from her they have added a collection to my credit report for a service I did not authorize or have any knowledge of. I spoke to a representative on the phone today and they are under the impression that since the children are on my insurance that any debt incurred I am responsible for. I did not authorize any service from *******, I did not sign anything at *******, heck I have not even been to *******.

Desired Settlement: I would like this fraudulent account (I have never had business dealings with *******) removed from my credit reports and an apology for wasting my time.

Business Response:

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

 

Please be advised that our client determined that Mr. *********** is responsible for this matter. That being said, we have closed this account with our office and the credit bureaus are being instructed to delete the account. Please note that we cannot control the speed in which the credit bureaus will act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records.

 

We trust this resolves your concerns.

7/20/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company placed a collection report on my credit report. I have requested that this company send me an itemized bill for the alleged debt owed. I have sent letters to the numerous addresses on file to this company requesting some form of documentation to verify the information on my credit report . This company has failed to respond to my request. Failure to respond and verify a debt within the requisite time requested is a violation of my consumer rights. Additionally, the cost of mailing letters only to get no response is both costly and unacceptable. I would like to have this matter resolved as soon as possible.

Desired Settlement: Remove negative information from my credit report.

Business Response:

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

 

Please be advised that Ms. ******’s request for verification was received on 6/12/2014. We immediately stopped further collection activity upon receipt of the letter and requested verification of the account from our client. The credit bureaus were also notified that the account is disputed. We will send Ms. ****** verification of the account upon receipt from our client.

 

We trust this resolves your concerns.

Consumer Response:

 

I requested an updated credit report from the credit bureau and the collections activity is still appearing on my amount. Before the agency declares that it is not responsible for the timeliness of the credit bureau to update an account, other account (credit) activity has been updated since I last pulled my credit report (June 15).

Regards,

****** ******

 

 

Business Response:

We regret that our previous response was not satisfactory to Ms. ******. That being said, as we previously advised, we have stopped further collection activity at this time and requested verification of the account, which will be sent to Ms. ****** upon receipt from our client. In the meantime, the credit bureaus were instructed to update the account as “disputed”. Please note that we cannot control the speed in which the credit bureaus act upon our request. We trust this resolves your concerns.

7/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has been trying to collect money from me for a debt that Nationwide Insurance is saying that I owe however they were informed by me that I dispute this debt and I put it in writing to this company but they are still billing me and Nationwide will not discuss it with me because they have turned it over to collections. So I am writing to you all to see if I can get some resolution I told Nationwide ahead of time before my policy was due for renewal that I would not be renewing my policy because the rates were getting higher and that I was going to be putting my son's on their own policy. I had been a customer of Nationwide for more than 20 years and this is unfair when I clearly to them via telephone that I wouldn't be renewing and I had just paid them over $500 dollars to bring my account current before I canceled my policy so this is not right that they are now trying to collect more money from me that I don't owe them.

Desired Settlement: I would like for this to be wrote off because I don't owe it. They were notified in plenty of time to cancel that policy!

Business Response:

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

 

Please be advised that Ms. ****** had both an automobile and homeowners insurance policy with our client. Both policies cancelled for non-payment on 12/29/2013 with a balance due for insurance provided from the date of last payment through the cancellation date. That being said, we have closed this account with our office. Although Ms. ****** will hear nothing further from us in regard to the matter, our client believes the account is due and we cannot control any actions they may take in regard to the account.

 

We trust this resolves your concerns.

Consumer Response:

7/11/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Received a phone call from company at 8pm on a Sunday Night. I heard who they were but hung up on them. Why would they call on a Sunday? I thought you couldn't get phone calls from them. they number they called from was ###-###-####. looked the phone number up on the internet and it doesn't list a name. I haven't received anything in writing from them.

Desired Settlement: to provide proof in the mail that you sent me something.

Business Response: Our office is in receipt of the complaint filed by Ms. ***** ******. We greatly appreciate this opportunity to respond.   As a preliminary matter, we have agreed with Ms. ******’s request to stop contacting her regard this matter. Accordingly, we have closed this account with our office. That being said, the account in question is for the balance due on an unpaid insurance premium to our creditor-client (GEICO Indemnity Company), and we cannot control any actions they may take in regard to the account.   Contrary to her assertion, we did send correspondence to Ms. ****** on 6/7/2014. The correspondence was sent to the same address listed in the complaint and we have no reason to believe Ms. ****** did not receive the correspondence as the post office has not indicated that the letter was undeliverable.   We trust this resolves your concerns.

7/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received your “notice” regarding comcasts claim. This claim is incorrect. Comcast and your services have contacted me for payment and I have told them both that I wish to go to small claims court as I have proof that I am being fraudulently charged. To loudly state a claim does not validate the claim, and avoiding court by harassment seems to lend to the fact that the claim is invalid. I was unaware that there were State and Federal Laws that supported bypassing the courts, seems unconstitutional. I am aware of state laws pertaining to deceptive practices including, (815 ILCS 510/2) and (815 ILCS 505/2). These laws have been clearly violated by comcast, and now, by your services. A negative credit report, without substantial proof, is akin to defamation of character and further harassment may result into looking into this further. To harass or bury with correspondences will result in a charge of $75.00 per office hour plus reasonable expenses. To not respond will cause assumption of valid debt, while responding without charge allows correspondence to become a tool of harassment. *** All relies to be written as phone conversations are difficult to document and present. *************

Desired Settlement: Remove me from your collections department

Business Response:

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

 

Mr. ****** indicates he is being fraudulently charged. If he could provide more information about his dispute or if he could send documentation showing no balance is due, then we would be happy to review this further with our client. That being said, we have closed this account with our office and Mr. Ulrich will hear nothing further from us in regard to this matter.

 

We trust this resolves your concerns.

7/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have faxed my proof of payment and insurance over 4x and mailed it in and they keep stating it has yet to be received even though i have confirmation that it was received on their end. Their notice states I only have 30 days to dispute and I believe they are purposely ignoring my proof of information so they can collect additional money.

Desired Settlement: Give me an email I can send proof of payment directly to with confirmation it was received. or remove my charges and notify the insurance company immediately.

Business Response: Our office is in receipt of the complaint filed by Ms. **************. We greatly appreciate this opportunity to respond.   Please be advised that we did receive documentation from Ms. *******. However, in order for our client to determine if an adjustment is due, they will need to review the policy declarations page from Ms. *******’s new insurance company. She can email the documents to *********@******.com or upload them to the BBB’s complaint portal. That being said, we have closed this account with our office and Ms. ******* will hear nothing further from us in regard to the matter.   We trust this resolves your concerns.

7/6/2014 Billing/Collection Issues | Complaint Details Unavailable
7/6/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: My wife was a victim of identity theft. Someone had an outstanding comcast cable bill in a state we have never been in. We called ccd and was told to fax an affidavit for identity theft, a copy of her drivers license, and proof that she didn't live in Mississippi in 2013, which could be a utilities bill, W-2...... We were also told to put the file number on every page and attention the fax to our file number. We promptly got those documents together and faxed them in. We called them to see what the next step was and we were told that they hadn't received the fax yet and to call back. When I called back, they still hadn't received the fax so I confirm that I had the right fax number and faxed it again. When I called, they still said that they had received nothing, but this time, somebody told us that it usually takes up to 7 days to receive the fax. They recommended that I mail it too, but I was trying to get this done quickly. I had never heard of anyone taking 7 days to receive a fax so I called back days later and was told that they didn't have anything yet, but call back. When I called back, I asked them does it really take 7 days to receive a fax, and the customer rep told me that it only takes 24 hours to receive a fax, but it takes 7 days for the investigation to be complete. This made more sense to me, and he told me that they received the fax, but it would take up to 7 days for everything to be complete, and to call back in 7 days. I felt some relief finally, but my wife had called them also and they told her that, they had never received a fax at all. So by this point, somebody is telling us that they received it and somebody is saying that they didn't. I called back to see what was going on, and I was told that they didn't receive the fax. I asked to speak to a supervisor, and the supervisor told me to call back tomorrow because they should have something. I called back and still had nothing. So, I called and told the people that this is getting ridiculous and explained the situation. The rep put me on hold to go let her supervisor know what was going on. She came back and told me that the supervisor wanted me to fax the papers to his direct fax number. She also said that if I faxed the documents to comcast, it would speed up the process. She gave me the numbers and I read them back to confirm them. After this I went to go fax the papers to max and the number wasn't in service. I went to another fax machine, and the number wasn't in service. Then when I tried the comcast number, it was the number to comcast automated voice service, not a fax number. So I called back to confirm the supervisor's direct fax number and they told me that it was right. I told them that it wasn't working and they claimed it was something I was doing wrong. So I went to try and fax it again and it didn't work. To confirm that I wasn't doing anything wrong, I faxed it to their normal fax number, and it went thru. Then when I tried the supervisor's fax number, it didn't work. I then took it to a place where I had to pay for them to fax it. They tried it and told me that the number wasn't in service. I called back and got to speak to the supervisor and claimed that it was the right number and that he had been receiving faxes on it all day. By this point, I was still being told that they didn't have the fax and I was fed up. We kept being told different answers and given wrong numbers and this is the most horrible customer service experience I have ever encountered. Everyday we call, they tell us to try again the next day. It is still not resolved yet.

Desired Settlement: We were trying to close on a house and the lenders needed documentation from the collection service that the situation was being handled, but ccs told me that they couldn't do that for us. We had to push our closing date back and also had to pay for another month of storage (you have to pay for the whole month, even if you only use it for the first 2 weeks). I want compensation for the lodging and storage fees.

Business Response: Our office is in receipt of the complaint filed by Mr. ******* ******. We greatly appreciate this opportunity to respond.   Please be advised that we cannot locate the account in question with the information that Mr. ****** has provided in the complaint. If he could please provide the file number in question and also upload the documentation indicated in his complaint to the BBB’s complaint portal, then we would be happy to investigate his concerns further.   We look forward to receiving the requested information from Mr. ******.

7/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: WWW.WARNINGNOTICE.COM KEEPS HARASSING MY PHONE EVEN THOUGH I'M ON THE DO NOT CALL LIST. THEY ARE REPRESENTING INFINITY INSURANCE TRYING TO COLLECT ON A DEBT THAT I DON'T OWE AND A DEBT THAT I ALREADY PAID ONLINE. FIRST THEY SENT ME A LETTER IN THE MAIL ON 05/30/2014 AND THEY GAVE ME 30 DAYS TO REPLY AND IF I DIDN'T REPLY THEN THAT MEANS I AGREE TO OWING THE DEBT. HOWEVER, I REPLIED STATING THAT I DIDN'T OWED THE DEBT - I ALSO SENT PROOF THAT I DIDN'T OWE THE DEBT. BUT, THEY STILL CALLING ME.

Desired Settlement: I WANT THIS COMPANY TO STOP CALLING MY PHONE BECAUSE I PAID THE DEBT AND ALSO REPLIED TO THEIR MAIL STATING THAT I DON'T AGREE TO THAT AMOUNT AND I DON'T OWE THAT DEBT.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** ******. We greatly appreciate this opportunity to respond.   As a preliminary matter, we have agreed with Mr. ******’s request to stop calling him. Further, we have closed this account with our office and Mr. ****** will hear nothing further from us in regard to this matter.   Contrary to Mr. ******’s assertion, we have not received any documentation from him that he does not owe the debt. If he could please send the documentation to us, then we would be happy to review it with our client to determine if any adjustment is due. That being said, on 6/18/2014 our client did advise us that an adjustment was made to the balance. However, there is still a balance due of $226.18.   We trust this resolves your concerns.

7/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: June 6, 2014******* ********Credit Collection Services*** ***** Ave****** MA *****Sirs:I am in receipt of your collection letter dated 5/4/14 in regards to File it ** **** *****  ********** with a cancel date of 2-21-14 regarding Farmers Insurance Group.This is to inform you that l most certainly dispute the validity of this debt. I know my 30 days to dispute have probably ended, but I only recently received this notice, as it was sent to the wrong address. The address of the letter (***** ********** ***, ***** IA **********) is NOT my home address. This continuing error is a part of my dispute. This address is a bank. They forwarded your letter to my local bank, who in turn sent it on to me.Farmers Insurance Group held 2 policies. One was through First American Bank who held in trust a property at *** *****s under the name of The ****** ******* Trust. The bank paid anypremium held on the property in the name of the trust. If there was a balance due when the trust was closed it was their responsibility to settle the debt and cancel further insurance. My brother, ****** *******, lived at the *** ****** property, and had a policy under his name. When he passed away in July 2012, I became sole property owner when the trust was paid out. I assume the bill in question is on this policy. I contacted his agent, ****** ****** in Ames to have the policy transferred to my name and address so I could continue the policy with them. The office was informed that the bank was out of the picture and had no further business with the insurance, and asked that Farmers cease sending mail to them as they would no longer forward it to me. ****** was given all of my contact information and asked to change the policy to my name, or issue a new policy to me. This never happened.|t should be noted that l have NEVER received any paperwork fromFarmers-not a policy or billing statement. I made numerous attempts to get this changed through the agent. The last piece of communication | received from anyone was a postcard directly from ****** that the policy had been canceled due to nonpayment. I called her and again complained about the improper paperwork. She said it would be corrected immediately and a new bill issued. On Feb. 18, 2014 I emailed ****** at her office telling her I had still not received a bill or policy and stating my intent to cancel. The email outlining my problems is attached. On that same dayi used Farmers website to email them a summary of my problems, along with an intent to cancel. I had no response from the company or their agent. To expect me to pay for a policy on which I have NEVER received ANY paperwork at MY address, after repeated attempts, isoutlandish. i had NO confidence that a claim would be honored, if needed. The fact that your collection letter has the address of the bank is PROOF enough that they NEVER changed my contact information. It is not my intention to pay for a policy that was NOT issued to me. Sincerely, *************** CC: Iowa Attorney General-Consumer Advocate Office; Iowa Dept. of Commerce-Insurance Division; Better Business Bureau of Iowa

Desired Settlement: See attached 

Business Response: Our office is in receipt of the complaint filed by Ms. ******* ********. We greatly appreciate this opportunity to respond.   It does not appear that Ms. ********’s concerns are with CCS’ handling of the account. That being said, this account is closed with our office and our client has been made aware of her concerns. Please note that we cannot control any actions our client may take in regard to this matter.   We trust this resolves your concerns.

7/6/2014 Billing/Collection Issues | Complaint Details Unavailable
7/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This business continues to call and harass me about a payout from progressive insurance on a chevy truck.I have NEVER owned a chevy truck nor have I ever had a policy with progressive insurance. The drivers license and the social security number related to this claim not only do not match mine, but appear to belong to someone in the state of Texas. I am not sure how I got attached to this claim, but I would greatly appreciate it if they would get their info strait and clear my name from this issue.

Desired Settlement: My name cleared from this matter including a letter stating such with a apology included.

Business Response: Our office is in receipt of the complaint filed by Mr. ***** ******. We greatly appreciate this opportunity to respond.   As a preliminary matter, please be advised that we have closed this file with our office. Although Mr. ****** will not hear anything further from us in regard to this matter, please note that our client’s licensed insurance adjuster determined that Mr. ****** was responsible for the automobile accident, and we cannot control any actions our client may take in regard to the matter. That being said, if Mr. ****** can provide a vehicle history report showing he did not own the vehicle in question, then we would be happy to forward the documents to our client to review.   We trust this resolves your concerns.

7/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I contacted Credit Collection Services after reviewing my credit report and finding a collection placed for a suntrust bank account. I have no problem repaying the debt to resolve this issue and contacted CCS to settle the debt. Upon contacting them I was offered a settlement amount that was less than the original debt and accepted this offer and made a payment on 5/15/2014. I was told by the operator that in 24 hours I would be able to access proof of settlement in full from their website (ccsnotice.com). Upon visiting the website I found a remaining balance on the account and so I called in again to investigate and was told at this point that I would have to wait 8 days from the payment date for a paid in full letter to be generated and then would have to wait for it to be mailed to me. When speaking to a manager (*** *******) I was treated as a problem and a nuisance and there was no attempt to correct the problem. The problem here is that I was lied to, flat out lied to, in order to collect my payment because I was adamant about receiving proof of payment and that the account would be settled immediately after payment. The collections industry has a terrible reputation for problems such as these. The manner in which I was lied to and the subsequent mistreatement I received when I brought the untruth to management's attention is at the very least unacceptable and at worst it may be illegal.

Desired Settlement: As the debt was mine to begin with, and at no time have I attempted to dispute it. I feel no need for reimbursement of any kind. I would, however; like a formal apology from the manager named above for her treatment of me and for the dishonest practices the company engaged in while dealing with me. I would also like to see that this company is in some way reprimanded for these actions by downgrading the laughable A+ rating they have on your listings.

Business Response: Our office is in receipt of the complaint filed by Mr. **** ******. We greatly appreciate this opportunity to respond.   Contrary to Mr. ******’s assertion, he was told that his balance on our website would reflect a zero balance 24 hours from when his payment posted to our system, which was 5/16/14 since he paid late in the day on that same day. Mr. ****** has accessed our website several times since filing this complaint, which shows a zero balance. We have also sent him correspondence indicating the account is closed as paid in full.   We trust this resolves your concerns.

Consumer Response: I am not happy and want the blemish on this company's record as the version of events as they have attempted to paint them is NOT what occurred. I was lied to and now they are trying to claim that because I was on there website to attempt to find proof that the debt has been paid means that I don't have a legitimate complaint. I was told that I would be provided a paid in full letter the next day not just that my account would show a zero balance remaining.  

Business Response: We regret that our previous response was not satisfactory to Mr. ******.  However, we have thoroughly reviewed this matter and as we previously explained, Mr. ****** was advised that our website would reflect a zero balance within 24 hours of when the payment was posted to the system, which it did. Further, Mr. ****** was not promised a paid in full letter the day after his payment was made. We trust this resolves your concerns.

7/6/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Company is using deceptive practices by advertising as warningnotice.com which is a FDCPA violation and is advertising as possibly resorting to legal action which it will not. Second, company has violated a previous agreement between original creditor and consumer.

Desired Settlement: Apology and suspension of BBB status. If BBB cannot be fair and will only resolve matter according to it's financial benefit because CCS is a paying member then I will hold BBB responsible

Business Response: Our office is in receipt of the complaint filed by Mr. ***** ********. We greatly appreciate this opportunity to respond. ? Mr. ******** indicates that the name of our website is a violation of the FDCPA. Contrary to his assertion, courts have previously vindicated CCS on this issue, including a court in the state where Mr. ******** resides. See, Sullivan v. Credit Control Servs., 745 F. Supp. 2d 2 (D. Mass. 2010), 2011 U.S. Dist. ***** ***** (D. Mass. Apr. 8, 2011); Elliott v. Credit Control Servs., 2010 U.S. Dist. ***** ***** (S.D. Cal. Apr. 14, 2010). His second concern is that CCS violated a previous agreement between him and the original creditor. We are not aware of what agreement he is referencing or how he believes we are in violation. If he can elaborate, we would be happy to respond further. ? We trust this resolves your concerns.

6/25/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint:  This complaint is being filed in response to a current collection account posting on my credit report recently ON 05.21.14 in which I was NEVER contacted about nor have I ever heard from this company in any manner. As you are aware this is a violation of your company. I have not received any of the above correspondence from ************ ********* pertaining to this alleged debt. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. This is NOT a request for “verification” or proof of my mailing address, but a request for FULL MEDIA VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that (a) the account is valid, (b) the amount allegedly owed is accurate, and (c) I have a contractual obligation to pay Commonwealth financial for this alleged debt. All of the following MUST be provided to adequately validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Commonwealth financial for this alleged debt: • Signed credit application between myself and the original creditor • Copies of all signed vouchers from the date account was opened until default • Copies of all statements from the date account opened until default • Proof of the statute of limitations • Proof of agreement that you were hired by the Original creditor (creditor as defined by the FDCPA) or • A copy of the contract Commonwealth financial purchased the alleged debt. • If the alleged debt was purchased, provide a copy of an agreement between ******** ******** ******* and myself, signed by me, stating that I have a contractual responsibility to ******** ******** ******* for the alleged debt • Provide proof that ************ ********* is bonded/Licensed for debt collecting in the State of *****. Be advised that failing to provide ALL of the media requested to validate the alleged debt will invalidate any and all claims Commonwealth financial is asserting regarding this alleged debt. If Commonwealth financial can NOT provide all of the validation media requested above, ALL collection efforts MUST be stopped and the account MUST be DELETED from ************ *********. If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA (Fair Credit Reporting Act), and carries a $2500 fine to be paid to me. I have two years to decide if I want to pursue this matter. PLEASE GIVE THIS MATTER THE ATTENTION IT DESERVES. If your offices are able to provide all of the validating media as requested, I will require at least 30 days to investigate this information, and during such time, all collection activity must cease and desist. I am also stating, in writing, that no telephone contact be made by your offices. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. Sincerely, ******* ****** **** ********** **** **** ** ****** ****

Desired Settlement: I expect this company to follow all applicable laws as it pertains to collection and my protection as a consumer. I expect this item to IMMEDIATELY be deleted from my credit report, laws in place were broken and this is completely damaging to my credit worthiness.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* ******. We greatly appreciate this opportunity to respond.   Please be advised that we cannot locate an account for Ms. ******. It is possible that she has us confused with a company with a similar name as the file number she lists in the complaint is not a format that we use. That being said, if Ms. ****** could send a copy of her credit report, then we could investigate further whether the account in question was reported by our office. Ms. ****** can upload a copy of her credit report to the BBB’s complaint portal or email it to ********************.   We trust this resolves your concerns.

Consumer Response:  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 SEE THE ATTACHED CREDIT REPORT WITH COMMONWEALTH FINANCE LISTED! Regards, ******* ******  

Business Response: We would like to thank Ms. ****** for providing a copy of her credit report. However, it appears that this complaint was sent to us in error. The account listed on Ms. ******* credit report was listed by a company called ************ *******, not CCS. Further, this company is not a creditor-client of CCS’. We trust this resolves your concerns.

Consumer Response:  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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Regards, ******* ******

6/25/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: For nearly 3 months I have been trying to obtain validation of an alleged debt being reported by Credit Collection Services on my Experian, Equifax and Trans Union credit reports. To date Credit Collection Services has not only failed to comply with my requests they continue to ignore my consumer rights as afforded by law. Credit Collection Services company is running a mail fraud scheme. I asked them to validate the debt they were attempting to collect and they have not responded to my repeated letters and requests. On April 25, 2014 Credit Collection Services received my first request for validation. (Copy enclosed.) CMRR# **** **** **** **** ****. The 30-day period came and went with no response from Credit Collection Services. Proper validation under federal law requires current creditor verification. Upon contacting **** ****** ***** (the original creditor), I was informed that their database shows no balance owing under my SSN. Therefore, there is no way CSC can validate that the amount they are attempting to collect is accurate. They are preying on consumers by reporting derogatory accounts to their credit files, and using questionable reporting tactics to substantiate their claim. This is not legal, and is nothing more than a scheme to defraud consumers using the mail. On My Credit Reports - Partial Account Number #**** – **** ****** ***** ***** I have no contract with this company. Therefore, they have no claim. If they disagree, please provide a copy of the contract between CSC and I. If there is no contract between us, please provide your statutory authority to force me to do business with you. If you have no authority, then you are a private business and your offer to do business is hereby rejected. Whoever the creditor might happen to be is totally irrelevant. I authorize the release of financial information through the BBB

Desired Settlement: Desired results: 1. If CSC cannot answer my repeated questions, with SPECIFICS, then there is a big problem here. I am and have been making every attempt possible to resolve these questions before I vigorously pursue other actions. 2. I would respectfully request the Name and Phone Number of the person responsible for answering this complaint...or a fax number it they prefer. 3. Cease and desist all telephone communication, as well as incorrect credit bureau reporting.

Business Response: Our office is in receipt of the complaint filed by Mr. **** ******. We greatly appreciate this opportunity to respond.   Please be advised that we did previously receive a request for validation from Mr. ******* However, the letter in question also indicated that we were to cease and desist all attempts to collect the debt. Accordingly, the file was immediately closed with our office and the credit bureaus were instructed to delete the account. A letter advising the same was mailed to Mr. ******* Also, in accordance with 15 USC 1692g, since the account was immediately closed and returned to the creditor, no validation was required.   We trust this resolves your concerns.

Consumer Response:  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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Thank You VERY much for your assistance. Regards, **** ******

6/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have a debt listed on my all 3 of my credit reports from this company. I have insurance and I do not know recognize the debt that they have listed on my credit report. I faxed and mailed them a letter asking for validation to no avail. Also I was never ever notified about this debt. I want this debt remove form my credit report and I want the harassment to stop. Thank you

Desired Settlement: I want this debt remove form my credit report and I want the harassment to stop. Thank you

Business Response: Our office is in receipt of the complaint filed by Mr. ******* ******. We greatly appreciate this opportunity to respond.   Contrary to Mr. ******** assertion, we spoke to him several times since 2012 when he promised to pay the account in question. That being said, we have agreed with his request that we stop contacting him. Accordingly, the account has been closed with our office and the credit bureaus were instructed to delete the account. Please note that we cannot control the speed in which the credit bureaus will act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records.   We trust this resolves your concerns.

Consumer Response: 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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Regards, ******* ******

6/16/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I have been calling in a $100.00 check since 7/30/2010 with no problems. Then I decided to call about a settlement. I am still not ready, but I wanted to work toward that goal. The conversation went very bad. The gentleman, said my check didn’t go through. He didn’t want to discuss this matter, only settling. I said that the $ was in there and they would keep getting the mo. payment as agreed. In March, they didn’t pass another check to themselves as I have done on agreement. So April 24th I called again. We agreed to not pass Jans. check & Marches ch. 1457. I said I would write a one time check #**** for the amount of $300.00 to clear up this mess. They assured me several times they would not use the previous checks. They did and they changed #**** to $300.00 plus the #**** that they okayed. Now I am in the hole for the $300.00 check and bank fees. Included is a fax from my bank to them. They said they would reimburse me only the $300.00 w/no fees to be reimbursed. This is stressful and I have acted in good faith.

Desired Settlement: $300.00 plus bank fees

Business Response:

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

 

Please be advised that we previously sent Ms. Van Lear a refund check in the amount of $28.00 to cover her overdraft fees. However, there is no refund due for the $300.00 as that payment was returned by the bank due to insufficient funds.

 

We trust this resolves your concerns.

6/16/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I was notify about a time warner cable bill in my previous address on march 2014. I immediately send them a verification of debt letter. I got the verification letter in April and I found out someone open a cable account in my previous address under my name. I immediately send CCS a notarized FTC form in April. On 05/20/1014 I received a notification by a credit monitoring system that CCS just report a negative closed debt to my credit profile lowing my credit score over 100 point below. I immediately called CCS and I was told they needed more information and I failed to provide it. Point is, I told the customer service that I didn't get any notification of any additional information been needed and the customer services said they did not call me because I asked not to be call. But I never ask CCS not to contact me by mail but they never did, instead they ignore my dispute, failed to communicate with me and report a negative balance that I didn't owe to my credit report lowering my credit score of 100 point. As a victim of identity theft, have worked so hard to stay on top of my credit report and I always cooperate and communicate with the creditors but SSC failure to communicate with me made my credit score go down.

Desired Settlement: I want the negative account be deleted from my credit profile and I want my point back.

Business Response:

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

 

Please be advised that we have agreed with Mr. *******’s request to delete the account from his credit bureau. However, please note that we cannot control the speed in which the credit bureaus will act upon our request. We recommend giving the credit bureaus at least thirty (30) days to update their records. We have also closed this account with our office and Mr. ******* will hear nothing further from us in regard to it. That being said, if he would like to send us the additional information that we requested, then we would be happy to review this matter further with our client. Specifically, a copy of the police report that was filed and proof of residence for the time frame in question.

 

We trust this resolves your concerns.

6/16/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received repeated calls from this business. They are looking for a person whom I DO NOT know and HAVE NEVER KNOWN. I use this telephone line for business purposes and have gotten the line over 6 months ago through my cable company. I have gotten repeated calls looking for someone named *******. This is starting to affect the use of this line for business and will affect my performance in performing my business duties. This nonsense has got to stop. The people who call are rude, do not readily identify themselves and conduct this business in a disrespectful manner.

Desired Settlement: The following: 1) By notice of this I request they cease and desist from making these telephone calls to my phone number ###-###-#### for all time. 2) That they write a letter to me understanding that they have made a mistake in continuing to call my telephone and acknowledge that this is a mistake on their part. 3) That they instruct through training, their telephone people in business etiquette. 4) That they also issue a letter of apology to me.

Business Response:

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

 

Please be assured that the phone number was provided by our client and believed to belong to the person we were attempting to contact. We previously removed Mr. ******’ phone number from our records when he advised us that the phone number did not belong to the person we were attempting to contact, which was the very first instance we were aware of this.

 

We trust this resolves your concerns.

6/13/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I inquired about renters insurance and I was sent a policy without my consent I spoke with the company rep and told them I did not want this and they told me I would have to send in cancallation forms I told them I did not order the insurance so why would I send in paper work they tuned it over to a collection service for 33.64 and they have not provided any service to me or did I order a policy

Desired Settlement: clear my credit report of any funds owed and stop all collection services and remove my name from all there records

Business Response:

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

 

As a preliminary matter, we have agreed with Ms. ******’s request to stop collection activity. Further, we have not sent this account to any credit bureau. However, please note that our client believes the account is due and we cannot control any actions they may take in regard to the account.

 

We trust this resolves your concerns.

6/12/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On 4/11/14 the CCS company complained against in this complaint contacted me at my residence without prior written consent by me to try and collect an alleged debt. NC General statute prohibits any debt collection agency to contact anyone without prior written consent from the consumer using an automated dialer system and who is on the do not call list **** ******. Furthermore, after exercising my rights under ***** **** c the debt collector still has made several attempts to contact my at my home residence exceeding 15 more times. The CCS company has not only violated Federal law but State law as well. Litigation may be in the future if settlement is not reached before a lawsuit is filed.

Desired Settlement: Compensate me for violations of both federal and state law that have been violated before litigation occurs.

Business Response:

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

 

Contrary to Mr. *******’ assertion, please note that **** ******(b)(3) specifically exempts calls in connection with an existing debt. Further contrary to his assertion, on 5/11/2014 Mr. ******* verbally instructed us to stop calling. The account was immediately placed into a status at that time that stopped further calling on the account. Mr. ******* has heard nothing further from us in regard to this matter since that time.

 

We trust this resolves your concerns.

Consumer Response:

Notwithstanding the CCS company has violated not only **** ******(b)(3) with States as follows:  Notwithstanding subsection (a) of this section, a person may use an automatic dialing and recorded message player to make an unsolicited telephone call only under one or more of the following circumstances: (3)        The unsolicited telephone call is in connection with an existing debt or contract for which payment or performance has not been completed at the time of the unsolicited telephone call, and both of the following are satisfied:
As stated above CONTRACT. I have no contract with this company nor can they produce one with my signature. I owe no debt to this company. As a matter of fact I have made several attempts through certified mail for this company to comply with ** *** **** * *** and ** *** ******* ********* as well as ** *** ******* *** *** *****. As of to date I have received nothing but threats demanding payment from this company without validation of the debt which was sent on April 18, 2014. I will have no other chose other than to file suit in Federal court to recoup for damages. Thirty days has come and gone with still no validation. If the company would like to settle I will take $2,000.00 to settle out of court other wise I will seek what the law allows me to have. as I have stated on my fax to the President  of this company I can be reached at *********************** or my cell ###-###-#### for settlement purposes only. I have document evidence, pictures of my home phone whey the company has called without prior consent as the law calls for.  

Business Response:

We regret that our previous response was not satisfactory to Mr. *******. That being said, as we previously advised, the calls were exempt under **** ************. We also immediately stopped calling Mr. ******’s based upon his verbal request to do so. We trust this resolves your concerns.

Consumer Response:

After many attempts to resolve this issue unsuccessfully, i have had no other chose other than to file suit. The debt collection company will be receiving a certified copy of the complaint and will be given time to respond pursuant to the laws of NC.

 

6/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On 05/29/2014 CCS Collections added a trade line to my credit reports, drastically reducing my credit score. I immediately called the company and was told that the original creditor was Time Warner Cable at the debt was for the address ***, Apt ***. I have never lived at such a location. The representive on the phone polite, but was unable to validate/verify any information. He admitted that the records of CCS Collections were incomplete regarding this debt. I requested the trade line to be removed and was told that in order for removal I would need to file a police report based on fraud. Under the FCRA the burden of proof lies on the collection agency, not on the consumer. The FCRA states (623(F)(1)(A) that upon notice of incorrect information, the reporting agency must conduct an investigation with respect to the disputed information. In addition, (623(F)(B)(1)(E) if the item is found to be inaccurate, or incomplete or cannot be verified, the reporting agency must modify the information, delete the information, permanently block the reporting of that item of information. In addition to this, my issue is not regarding fraud; there are no other incorrect information contained in my credit report as one would assume would be the case should it be a matter of fraud. The motives to demand a police report for removal are entirely based on the reporting agencies attempt to reflect the situation back on the consumer and not complete its due diligence as necessary by law. In addition, I was never notified by Time Warner or CCS Collections regarding the mentioned debt. Although I understand that the collection reporting agency is not required to give notice prior to credit reporting, it is assumed in this scenario that the original creditor would have already given such notice. As I mentioned, due to the multiple errors by CCS my credit score has suffered resulting in increased interest rates and my ability to get a car loan.

Desired Settlement: Per FCRA regulation I am requesting that CCS validate this debt. Items included in this validation would include a copy of all statements from Time Warner (to include a complete billing/debt history), all interest/fees associated with such debt, a copy of the original signed agreement from Time Warner, the name(s) of all people associated with this account, the billing address of this debt as well as the location address of where service was rendered. I am requesting that this information be provided to me with in thirty days. In addition to validation, as CCS already admitted that their records are faulty, I am demanding that they remove the trade line currently and until the validation process can be completed.

Business Response: Our office is in receipt of the complaint filed by Mr. ******** ******. We greatly appreciate this opportunity to respond.   Please be assured that Mr. ****** is believed to be the person we were attempting to contact. That being said, we have closed this account with our office and are instructing the credit bureaus to delete the account. Please note that we cannot control the speed in which the credit bureaus act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

6/5/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company called my wife on April 18th and told my wife we owed $46.57 for a past due Esurance bill. My wife paid the bill in full that day with a check over the phone. On April 22nd I received a call from the same company saying that I owed $47.32. I paid the full amount that they said was owed by credit card over the phone. When I got home this morning I looked at my bank statement after talking to my wife and realized this company billed me twice for the same debt. I called CCs this morning to notify them of the mistake and was informed by a supervisor by the name of ****** ******** that CCS accidentally applied my first payment to someone else's account. He told me that if I wanted my money back for their mistake, I would have to send them a copy of the check and request a refund. I told him that this was not acceptable being that this company just commit fraud by taking my money and applying the funds toward an account other than my own. These funds were not approved to be used in any way other than to be applied to a debt that was in my name. Therefore I feel that CCS should rectify the mistake with a refund. Because this "mistake" was at no fault of my own, I feel like I should have to do nothing extra to have this rectified. Mr. ******** has already admitted fault on behalf of CCS, but offered no concrete solution. I am out $46.57 because of this companies negligence with my personal and confidential information. As it stands now the bottom line is this money has been stolen from me by means of indirect fraud.

Desired Settlement: I demand that these monies be returned to me without delay in the amount of $46.57, as well as a letter of apology for the indirect misuse of my personal information.

Business Response: Our office is in receipt of the complaint filed by Mr. **** *****. We greatly appreciate this opportunity to respond.   Please be advised at we are currently investigating Mr. *****’s concerns. That being said, we have already sent him the refund. If he does not already have it, then he should receive it shortly.   We trust this resolves your concerns.

Consumer Response: 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.

The company sent me a check of 9$ this check was not the amount of the amount that was wrongfully charged to me. I would like for this company to review the amount wrongfully charged to me, and send a check for the remaining amount. Were only talking about 30$ more dollars here. After this is complete, at that point I can say this issue has been resolved.

Business Response: Please be advised that the remaining refund was previously sent to Mr. *****, and our bank records show that the check was cashed. As Mr. ***** indicated, this should fully resolve his concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

6/4/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Request a copy of a itemized bill.

Desired Settlement: I was never send a notice of this bill that was placed on my credit report. I contacted CCS for a copy of the detail bill and was told that they don't have it and to contact the original. I called the original and was told I have to speak to the collection agency. GETTING THE RUN AROUND

Business Response: Our office is in receipt of the complaint filed by Ms. ****** ******. We greatly appreciate this opportunity to respond.   Contrary to Ms. ******’s assertion, we previously sent letters to the same address listed on the complaint and none of the letters were returned. Therefore, we have no reason to believe that she did not receive our previous correspondence. That being said, we have closed this account with our office and instructed the credit bureaus to delete the account. Please note that we cannot control the speed in which the credit bureaus act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

6/3/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I was promised that they would delete this from my credit report in exchange for payment. I paid them and now they say they cannot delete it. This account is stemming from an old comcast account that I had. I had no idea that there was even an outstanding bill due. It only came to my attention when I reviewed my credit report. I reached out to the company and explained the situation, they agreed to delete the account from my credit report in exchange for a payment. I made the payment and now they are saying that they are not able to delete it. Typical bait and switch. We are talking about an old account that had a balance on it that I was completely unaware of. I never received phone calls or any kind of notification of this debt.

Desired Settlement: Delete the account from my credit report.

Business Response: Contrary to Ms. ***’s assertion, the address we have on file is her current address and we previously sent letters to that address which were not returned. Thus, we have no reason to believe she did not receive our previous correspondence. Also, Ms. *** was advised that we would report the account as paid in full to the credit bureaus, which was promptly done. That being said, as a courtesy to Ms. ***, we have instructed the credit bureaus to delete the account. Please note that we cannot control the speed in which the credit bureaus will act upon our request and recommend giving the bureaus at least thirty days to update their records.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

6/3/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: NGL insurance brokers sent paper work disputing Esurance and proving that they are owed no money. Esurance and credit collection services are threatening to report this as a debt to the credit agencies to hurt my credit unless I pay money that is not owed, this is extortion and esurance and credit collection services should be punished for using such methods.

Business Response: Our office is in receipt of the complaint filed by Mr. *** *****. We greatly appreciate this opportunity to respond.  Please be advised that our client believes the account is due. That being said, we have closed this account with our office and instructed the credit bureaus to delete the account. Please note that we cannot control the speed in which the credit bureaus act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records.   We trust this resolves your concerns.    

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

6/3/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My name is ****** ********* and this company has posted a collection on my credit report that is fraudulent. It is a medical bill for $81 and belongs to my cousin ******* *********. Upon calling the agency, they verified that there is no debt associated with ****** ********* and all accounts belong to ******* *********. When asked to produce a letter stating the mistake they refused. Their employees have stated to me the account is not mine but they have chosen to report it to Equifax as my debt and as a collection item in my name. Which is not only fraud but is also a violation of HIPPA. The account is listed with this creditor as ***********. There is also no social security number associated with this file so they reported it to the credit bureau without even verifying they had the correct person. They have knowingly placed the item in the incorrect credit file. This deliberate, reckless, and fraudulent activity on their part has caused me both emotional and financial damage. I am currently in the process of obtaining a mortgage and their action has caused additional paperwork and unneeded delays. Their behavior is also in violation of the Fair Credit Reporting Act".****** ** *********************

Desired Settlement: I want a letter stating that ****** ********* does not owe this company money and that the report on her credit is a mistake. I want the fruadulent account reported to equifax and all other associated credit agencies and removed with in 48 hours of receipt of this complaint. I need this before May 25th as I am supposed to close on my house shortly thereafter.

Business Response: Our office is in receipt of the complaint filed by Ms. ****** *********. We greatly appreciate this opportunity to respond.   Please be advised that it appears the credit bureaus listed an account on Ms. *********’s credit bureau in error. That being said, we have already instructed the credit bureaus to delete the account. Although the request was immediate, please note that we cannot control the speed in which the credit bureaus act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records. Please also note that we already faxed the letter Ms. ********* requested to the fax number she provided.   We trust this resolves your concerns.

6/2/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: May 20, 2014 ******* J. *******, ***** *** **** **** Apt. *** *******, VA ***** Mr. ******* ******** The CCS Companies * ***** ****** ******, MA ***** RE: Account ******* Dear Mr. ********: I have been looking to pay off this debt and your organization is very hard to get in contact with especially without a website. I found you on the Better Business Bureau and also when I made an inquiry on my credit report. On this report it states I have a debt of $1054 with SunTrust Bank. I do agree I have a debt with them, but in no way is this debt $1054. I had a delinquency of $419.21 when the account was closed; this was after they had literally bounced 11 checks on me in consecutive days. From March 2011 until March 2012, I took off of work to take care of my terminally ill parents in NJ and SunTrust would not work with me in any way what so ever and moved this account to collections. This money owed is based on disputed fees and they discharged it quickly to you based on my situation. I am now in a much better position to work out this debt, and if it is not to my satisfaction, I will take this to Attorney Generals in Massachusetts where you are headquartered, Virginia where the transaction took place and the State of Florida where SunTrust Bank is headquartered. I have an attorney on retainer in regards to my situation taking care of my parents from 2011 until 2012. My mother had terminal cancer and my father had Alzheimer’s. I want this debt removed from my credit report via settlement and I want that promised in writing. This debt is not even close to $1054. It actually should not exist, but I am willing to pay what I owe, which is $219.39, but I am writing to SunTrust Bank in regards to this debt even being allowed to be discharged as quickly as it was. If you could email me back you have received this and send me a letter to my address of record for my account stating that this debt will be removed once paid, I will move forward with my payment. Until then, if I do not hear back in 30 days, I will escalate this to the appropriate State’s Attorney Generals offices. Thank you again for your time and I look forward to your response

Desired Settlement: I want this debt removed from my credit report via settlement and I want that promised in writing. This debt is not even close to $1054. It actually should not exist, but I am willing to pay what I owe, which is $219.39,, but I am writing to SunTrust Bank in regards to this debt even being allowed to be discharged as quickly as it was. If you could email me back you have received this and send me a letter to my address of record for my account stating that this debt will be removed once paid, I will move forward with my payment. Until then, if I do not hear back in 30 days, I will escalate this to the appropriate State’s Attorney Generals offices.

Business Response: Our office is in receipt of the complaint filed by Mr. ******* *******. We greatly appreciate this opportunity to respond.   Contrary to Mr. *******’s assertion, we previously sent letters (which contained listed our website) to the same address listed in his complaint and none of the letters were returned. Thus, we have no reason to believe he did not receive our previously correspondence. That being said, we have instructed the credit bureaus to delete the account. Please note that we cannot control the speed in which the credit bureaus act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records.   In regard to Mr. *******’s dispute regarding the balance due, please be advised that we have requested verification of the account from our client and it will be sent to Mr. ******* if and when it is received.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved.

6/2/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had an insurance policy with ******** Fire and Causality which I called and cancelled November 13, 2013 and started a new policy with Allstate November 15, 2013. I received a Warning Notice from Credit Collection Services stating I owed for insurance coverage from November 15, 2013 for the remainder of 2013. I've contacted Credit Collection Services multiple times and my insurance agent and Allstate have provided them with detailed documents showing coverage was in place with Allstate and not ******** Fire and Causality for the time frame in question. The information Credit Collection Services requested was sent to them by Allstate by FAX on April 14, 2014 and from that point on they have either said they did not receive a fax or the information did not contain acceptable information. Fax's with Allstate's "Letter of Explanation" dated April 10, 2014 and the "Letter of Declaration" sent May 8, 2014 both containing the same information contain all information to close the case. With my phone call Friday May 9, 2014 and their response I would have to wait 7 more days for confirmation if they received the latest FAX was enough. They have had documented confirmation to close the case for 26 days now and still are dancing around and coming up with excuses and requesting the same information in different formats and dragging this on with no reason. 1. March 27th I received an email regarding my initial inquiry regarding Credit Collection Services claim to my Allstate agent with her statement of " Hi ****, You are right they can not charge you anything from 11/15 on. If they need proof showing you had it with us starting 11/15/2013 just let me know." 3. March 28th Allstate sent me a copy of the documents and made the statement regarding the Letter of Experience they sent to Credit Collection Services "the information they sent is more than enough proof for her prior insurance company to see she had coverage with us." Other insurance was in place for the time period in question by Credit Collection Services and ******** Fire and Causality had been cancelled prior to November 15, 2013. 4. April 4th made the initial call to find out the details with Credit Collection Services 5. April 14th phone call - needed to fax Credit Collection Services verification of Allstate insurance with dates of coverage and Credit Collection Services file number on it and that was verified by my Allstate agent as completed and sent by fax from the Allstate office. 6. April 22nd followed up with a phone call and was told needed a more detailed type of information such as dates of coverage person, car, etc. which was on the document Allstate sent a week prior, on Allstate's letterhead. They denied ever receiving the fax directly from Allstate but my agent has the printout with verification it went through and now Credit Collection Services is requesting the same information in a different format. 7. April 25th they said they would not accept the information sent to them by Allstate and that it had to be in a different format. The information originally sent met Credit Collection Services verbal instructions which included: Company, Policy Number, Named Insured, Policy Period and Lapses (none) and Credit Collection Services File No. ** **** *****. 8. Contacted Allstate on April 30th for verification they faxed the information requested by Credit Collection Services and my agent did have the confirmation the fax went through but she also sent the information once again at this time. 9. Called May 8th to see if the information sent was acceptable and the claim dropped and was told they would not accept the information and a "Declaration Page" from Allstate would be required. Allstate provided that to me and I faxed to Credit Collection Services complete with Company, Policy Number, Named Insured, Policy Period, Lapses (none) and a string of emails between myself and Allstate outlining what had transpired and faxes sent since April 14, 2014 and I did indeed receive a confirmation the fax with case number (** **** *****) on it went through to ************ at 11:54am on this day. 10. Called the next day, May 9th, to confirm Credit Collection Services received the fax and the information sent was acceptable and was told "they don't have a person that received the fax with a phone and if I wanted to verify that they received the fax and are happy with it I have to call back in 7 days (Friday May 16th) to see if the fax was received.

Desired Settlement: Close the case and remove the negative inclusion on the credit report, immediately.

Business Response: Our office is in receipt of the complaint filed by Mr. ******* *****. We greatly appreciate this opportunity to respond.   Please be assured that as soon as Mr. ***** sent us a copy of the declarations page, we forwarded it to our client to determine if an adjustment was due. Subsequent to receiving this complaint and closing our file, we received confirmation that they had adjusted the balance and closed their file also. Also, the credit bureaus were instructed to delete the account. Please note that we cannot control the speed in which the bureaus act upon our request and recommend giving the bureaus at least thirty (30) days to update their records.   We trust this resolves your concerns.

5/26/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: attempt to collect a fraudulent debt . we owe no such debt .

Desired Settlement: cease all attempts to collect non existent debt and cease all attempts to report false debt to credit agencies. cease all communications immediately .

Business Response: Our office is in receipt of the complaint filed by Mr. ***** ******. We greatly appreciate this opportunity to respond.   Please be advised that Mr. ****** also had a complaint with the Consumer Financial Protection Bureau. In regard to the CFPB complaint, we advised that we had agreed with Mr. ******'s request to cease collections. Although he will hear nothing further from us in regard to this matter, please note that we cannot control any actions our client may take in regard to the matter.   Mr. ****** also indicated that he cancelled the policy with his former insurance company (our creditor-client). Contrary to his assertion, our client's records indicate the policy cancelled on 3/13/14 for non-payment. When the policy cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation date. That being said, Mr. ****** indicates that they obtained insurance from another company prior to our client's cancellation date. If Mr. ****** could please send us a copy of the declarations page from his new insurance company, we would be happy to forward it to our client to determine if an adjustment to the balance is due.   We trust this resolves your concerns.

5/24/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: On 2/18/14, I received a collection notice of an alleged debt of $180 from this company dated 2/14/14. I sent them a letter on 2/21/14 requesting verification of alleged debt, via certified mail which was delivered on 2/24/14. As required by law, they should've responded with verification of the alleged debt within 30 days of receiving my request for the verification of the debt. On 4/14/14, I sent another letter via certified mail with return receipt stating that I intent to file a lawsuit and complaints with FTC if the alleged debt it not removed from my credit history. The return receipt was signed by ** ******** on 4/16/14. Af of today, I have not received any response from this collection agency and the alleged debt is still showing up on my credit report. Please note that I am maintaining all the records of communication with this company.

Desired Settlement: Since the allowed 30 day time period has passed and in accordance to the law, all collection activities must be stopped and all references of this alleged debt must be removed from my credit report. Also, the company is not allowed by law to sell or transfer this account to another collection agency.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** ****. We greatly appreciate this opportunity to respond.   Please be advised that Mr. **** also had a complaint with the Consumer Financial Protection Bureau (CFPB) with these very same concerns. In regard to that complaint we assured the CFPB that as soon as we received Mr. ****'s letter requesting validation, the account was immediately placed on hold and verification of the account was requested from our client in accordance with 15 USC 1692g(b), and Mr. **** has not heard anything further from us since that time. Further, contrary to his assertion, there is no obligation to provide validation of the account within thirty (30) days of receiving the consumer's written dispute. Section 15 USC 1692g(b) of the Fair Debt Collection Practices Act states that if the consumer disputes the account within the thirty-day period, then the debt collector will cease collections until verification is mailed to the consumer. If and when verification of the account is received, it will be sent to Mr. ****. Otherwise, he will hear nothing further from us in regard to this matter. Please also note that we did not send this account to any credit bureau, and we have closed the account with our office. If and when verification of the account is received from our client it will be sent to Mr. ****.   We trust this resolves your concerns.

5/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was notified via my credit monitoring site that this company has a negative credit adversely affecting my credit. They have it stated as a balance of $133.00 & as closed on my credit report. I have never received any bill from this company & have attempted to call the number on my credit report for this company and did not receive any help. I want this inaccurate credit hit deleted from all credit reporting sites. I am also disputing the validity of this debt. I am asking they provide to me or delete this account. Please provide me with the following: What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account; Show me that you are licensed to collect in my state; and Provide me with your license numbers and Registered Agent. My name is ****** ***** my social is ***** my date of birth is **/**/1982. These are my rights under the FCRA Fair Debt Collection Practices Act, 15 USC 1692g I am not asking for verification but VALIDATION

Desired Settlement: I am requesting this company delete this inaccurate account from my credit reports. I was never notified by this company and have never received any voicemails or letters from this company. Please delete this

Business Response: Our office is in receipt of the complaint filed by Mr. ****** *****. We greatly appreciate this opportunity to respond.   Contrary to Mr. *****’ assertion, we sent him correspondence to the very same address listed in his complaint regarding the account on 2/14/14 and 3/27/14. We have no reason to believe Mr. ***** did not receive the correspondence as there is no record that the correspondence was returned by the post office as undeliverable. That being said, we have closed this account with our office and instructed the credit bureaus to delete the account. Please note that we cannot control the speed in which the credit bureaus act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records.   Mr. ***** also requests proof we are a licensed debt collector. Please be assured that CCS is properly licensed (see license number **********).   We trust this resolves your concerns.

5/23/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Collections agency has contacted me despite a flawless credit report.

Desired Settlement: $20 gift card to be provided for my time, patience, and calling me despite not being the person they are looking for. Find a better way than phishing for the person you want to annoy. When you are wrong and a person has to go to this length in order to get resolution, they deserve to be compensated for their time.

Business Response: Our office is in receipt of the complaint filed by Mr. ******* ******. We greatly appreciate this opportunity to respond.   Please be advised that we cannot locate a file with the information Mr. ****** provided in his complaint. If he could please provide us with more information that would help us locate a file, we would appreciate it. Specifically, a copy of his credit report if this account is listed on it, or copy of correspondence from CCS with a file number listed.   We trust this resolves your concerns.

Consumer Response: 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.

If you do not have my phone number in any of your databases, you should fine.  I have your phone number in my caller ID.  I will not supply anything since if you are accusing me of something, you should have all info.  You can consider the case done, but if you should call again, you will not receive a BBB case from me.  You will be summoned before a Texas Magistrate to answer for your accusations.      

Business Response: We regret that our previous response was not satisfactory to Mr. ******. That being said, we could find no file with his phone number listed.

Consumer Response: BBB, this is a nice scam that these groups run.  They claim no records or any such phishing attempts as if they keep perfect records.  I have their phone number down on my caller ID.  Not sure how I have theirs and they cannot find mine now?  They stopped calling all of a sudden.  Please keep public so that eventually there will be enough people annoyed that we can make them compensate for phishing attempts and using a phone line that I pay the bill on. 

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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

5/20/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i called AT&T to add a phone line in my home in 2013. I called back within 10 minutes after speaking with wan who gave me a better deal . They sent out the equipment after I cancelled my services . I called and spoke with a supervisor who took care of the problem. I never had a phone number or line from AT&T and I sent back their product unopened . They have now turned my name over to a collection agency who keeps sending me bills , I filed bankruptcy two years ago and I want this off my credit report . 

Desired Settlement: They need to call AT&T to get this resolved or AT&T needs to let them know that there isnt a bill or services in my name . I am trying to keep and get my credit back in good standards. 

Business Response: Our office is in receipt of the complaint filed by Ms. ****** *****. We greatly appreciate this opportunity to respond.   As a preliminary matter, it does not appear that Ms. *****’ concerns are with CCS’ handling of the account. Instead, she claims she cancelled the services with her phone company (our creditor-client). Accordingly, we have forwarded a copy of this complaint to our client to review. Please note that we cannot control any actions our client may take in regard to the matter. Further, the account is closed with our office and we did not send this account to any credit bureau.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 



5/20/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Credit Collection Services has failed to provide me the written documentation I requested reflecting the account has been paid/closed and reported to any and all credit reporting agencies, and documentation thereof.

Desired Settlement: Documentation I requested and confirmation of actions taken through documentation regarding any and all credit reporting.

Business Response: Our office is in receipt of the complaint filed by Ms. ******** **********. We greatly appreciate this opportunity to respond.   Please be advised that we are currently investigating Ms. **********’s concerns. That being said we are sending her a letter advising that the account has been closed and the credit bureaus were instructed to delete the account.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved.

Thank you to you, and the business, for a reasonable resolution to this matter.

5/19/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On 4/11 i contacted CCS on Friday about a them reporting on my credit for $69.00. They claimed to have called and send notices to my home address and said to have called me regarding this debt. I spoke with a *** ****** and explained to him that i was unaware that, this was reported on my credit and never had any calls or notices to prevent this from happening. I was more than willing to pay the debt but more importantly to have it removed from my credit. I aksed the gentleman if i paid this balance off today will it be taken off my credit and he responded it would be as they have a disclaimer on thier page stating once a balance a paid off any open accounts on your credit will be removed. While on the phone with him I went on their website...www. warningnotice.com I saw the disclaimer for myself and proceeded to pay off the balance. I asked him how soon will this take affect and he said it can take a couple days. As of this morning, the open collection account for $69.00 is still showing on my credit, and the funds have cleared my account. I want the company to honor their disclaimer and what they told me and remove this from my credit as paid the debt that morning.

Desired Settlement: I want this account to be removed from my credit as have already paid the debt. This company needs to honor what they say and what they display on their website. file# *********** The total i paid on 4/11 was $74.93 confirmation # ******.

Business Response: Our office is in receipt of the complaint filed by Ms. **** ******. We greatly appreciate this opportunity to respond. Contrary to Ms. ******’s assertion, she was advised that we would instruct the credit bureaus to delete the account within seven (7) days of her paying the account, not that we would do it within a couple days. Please be assured that the credit bureaus were instructed to delete the account within seven (7) days of receiving the payment. Although our request was immediate, please note that we cannot control the speed in which the credit bureaus acted upon our request. Our telephone representative even told Ms. ****** that it could take longer for the credit bureaus to update their records. We trust this resolves your concerns.

5/19/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a letter from then indicating a debt with ATT. I contacted ATT and spoke to multiple people at ATT and was eventually transferred to the Collection Department within ATT taht supervises outside collection agencies. They reviewed my letter from CCS and determined that it was inaccurate and potentially fraud. I had no open counts with ATT, no accounts in bad standing and had not had an ATT account since 2004 per their records which was also closed without any issues. This company is threatening to blemish my credit report if I do not pay their alleged debt. Also some statements on the letter are concerning as fraud to myself and ATT. First the company is NOT licensed in the State of Michigan as it clearly states in its letter to me. Second, the company per ATT does not represent them. A company by the name of CCSO does and does not have the same contact information. Third the account number referenced in the letter sent to me is an ATT band number that is not accurate and not linked to me in any way.

Desired Settlement: resolution and forwarding to the state attorney general in Michigan and Massachusetts as an unlicensed and or fraudulent entity operating as a collections agency.

Business Response: Our office is in receipt of the complaint filed by Mr. ***** *******. We greatly appreciate this opportunity to respond.   Contrary to Mr. *******’s assertion, CCS is properly licensed in both Michigan and Massachusetts. Please be advised that Mr. ******* was believed to be the person we were attempting to contact. The file has been closed with our office and Mr. ******* will hear nothing further from us in regard to the matter. Further, please be assured that we did not send this account to any credit bureau.   We trust this resolves your concerns.

5/19/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Cease and Desist Letter ***** ** ****** *******, NY ***** Certified Mail, Return Receipt Requested #******** **** **** **** Credit Collection Services *** ***** Avenue ******, MA ***** REF: NCO Financial/Account Deleted/Account #******% To Whom This May Concern: 1. You are hereby notified under provisions of Public Laws *******, also known as the Fair Debt Collection Practices Act, that your services are no longer desired. 2. You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Attorney General's office. I will pursue all criminal and civil claims against you and your Company. 3. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. 4. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. 5. I am a victim of identity theft and I did not open this account. Since it is my policy neither to recognize nor deal with collection agencies, I will settle this account with the original creditor. ***** ** ****** CC: Bureau of Financial Protection Federal Trade Commission *** *** ****** Ave, *** **********, D.C ***** CC: NY State Attorney General Office NY *** ********, *** ****, NY *****

Desired Settlement: see Attached document

Business Response: Our office is in receipt of the complaint filed by Ms. ***** ******. We greatly appreciate this opportunity to respond. Please be advised that Ms. ******’ concerns do not appear to be with CCS’ handling of the account. Instead, she appears to have copied the BBB on the very same letter she sent to our office requesting that CCS cease and desist contacting her regarding the account. Please be assured that immediately upon receipt of this letter the account in question was closed with our office and Ms. ****** has not heard anything further from us in regard to the account. We trust this resolves your concerns.

5/19/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I received in the mail a collection letter dated 03/25/14 File# ** **** ***** from Credit Collection Services for cable services and equipment charges from Time Warner Cable. On the very day I received the letter (03/28) I mailed back a dispute letter including the file # and the coupon attached to the collection on 03/28/14. The letter explained how I believe the charges were not mine as I do not recall ever having services. I called Credit Collection Services on 04/11/14 @ 11:10 am to verify that they received my dispute letter and was told that it had not arrived and was not in the system. The rep then advised me to fax my dispute as it was quicker and more secure as she gave me fax # ************. So, on 04/15/14 @ 8:45 pm EST I faxed my dispute to fax #************ including the file # in the fax and at the end I received a fax confirmation #/receipt. I again call (CCS) to verify that my faxed dispute was received and once again the gentlemen tells me it was not received and not in the system. He confirmed the fax # to be double sure it was sent correctly, which it was correct. Then the rep started to harshly and intensely question my reasons for disputing the charges/collection. He very rudely made it clear that if the dispute isn't in their system within the required time frame there would be no way for me to dispute and implied that I should just pay it since there wasn't a dispute on file. I stop the gentlemen in has onslaught to ask if there were any other ways to get my dispute to his company besides the two ways I've already tried (mail & fax). He said there was another address I could try sending to a different address. And when I requested that alternative address the rep hung up on me, I can only imagine that he did such a thing once he realized that his scare tactics/bullying to just pay the debt with questioning its validity that he just decided to move on to the next caller to try his tactics on.

Desired Settlement: I would like for Credit Collection Services to either provide proof that this is in fact my bill/debt or send me a letter stating it was an error on their behalf while updating their systems to reflect the same.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** *******. We greatly appreciate this opportunity to respond. Please be advised that we are currently investigating Mr. *******’s concerns. If we determine that our representatives did not act in accordance with our training and procedures, then they will be disciplined accordingly. That being said, we have closed this account with our office and Mr. ******* will hear nothing further from us in regard to the account. We trust this resolves your concerns.

5/14/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I received a call for CCS in regards to a payment that Geico placed in collections. This person called me, she was over talking me, she wasn't giving me a chance to respond to her statements, just totally in my opinion (RUDE). All of this for 55.00. I'm not upset about the payment, what I am upset about is the way that she addressed the issue. There was not need for this and this is why I'm putting in the complaint. I would rather for them to never, ever call my home again.

Desired Settlement: I think that this company owes me an apology for the rudeness that I received from this person. I do understand that they have a job to do, but being rude is not one of them...........

Business Response: Our office is in receipt of the complaint filed by Ms. ****** *******. We greatly appreciate this opportunity to respond. Contrary to Ms. *******’s concerns, our telephone representative was polite and professional and did not talk over her. That being said, we have closed this account with our office and Ms. ******* will hear nothing further from us in regard to this matter. We trust this resolves your concerns.

Consumer Response: 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.

I beg to differ, your rude, rude customer service rep was rude and now your trying to lye your way out of it, but it's all good because I know and God knows. It's a shame that you want to cover up the rudeness that you know that happened, I'm quite sure that you have recordings of all conversations.......But, again it's all good....God Bless You

Business Response: We regret that our previous was not satisfactory to Ms. *******. However, we have thoroughly reviewed this matter, and as we explained previously, our telephone representative was polite and professional and did not talk over Ms. *******. As further explanation, our telephone representative explained to Ms. ******* the reason for our call, to which Ms. ******* replied that she would contact the creditor directly to make payment. Our telephone representative advised that she would note the file and asked Ms. ******* to contact us to let us know when she had made the payment. The call then ended cordially.  We trust this resolves your concerns.

Consumer Response: 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.  

Of course they aren't going to tell the truth about this matter, but I'm not backing down, I know what they did....And it was rude customer service.  And if I accept this response, then I'm saying that it's ok to be rude. Wel it's not going to happen in this life time........

5/13/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has reported collections to the CRA's, and have not notified me of any debt. No contact whatsoever. I could not have paid a debt that I did not know about. This is a violation of the Fair Debt Collection Practices Act. I found out about this debt via my credit report, and do not owe this company.

Desired Settlement: Deletion of this Collection from my credit report ASAP.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* ******. We greatly appreciate this opportunity to respond.   Contrary to Ms. ******’ assertion, we did send her several letters and there is no record of mail being returned by the post office as undeliverable. That being said, we have closed this account with our office and agreed with Ms. ******’ request to delete the account from her credit report. However, please note that we cannot control the speed in which the credit bureaus act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

5/13/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: CCS sent me a notice in the mail for a collection amount of $133. I then called them, which they then proceeded to tell me that Progressive had sent me to collections for a ****** *******, which I never owned. I called Progressive and they only have my own vehicle policy with all my inf. So Progressive and I did a 3-way call with CCS and Progressive told them that this person with my same name is not me. They only have my policy with my own vehicles, which are 2 *******, not a ****** *******. Even though Progressive (aka the Home Office/Creditor as CCS calls them) told CCS that they have the wrong "********* ********" they did not remove me in connection with this file. One person at CCS did attempted to remove my info from this fine, but that failed. He told me this was a case of "Mistaken Identity". I and Progressive have told them that I am not the "********* ********" they are looking for. I was told that Progressive sends them and name and a dollar amount and they do a skip trace and basically since I matched the criteria of my name being ********* ********, residing in the state of Georgia, and have a policy with Progressive, they chose me to send the collections notice to. This all occurred in February. Now in April, CCS has since sent this file onto my credit report. I contacted them again and requested to speak to a supervisor and was told that to remove this from my credit report I need to send them my credit report PROVING they are now on my credit report, a vehicle history report with will prove I never owned a ****** *******, a letter of dispute which I am to get notarized and then mail all this into them. At that point they will then look into my dispute and see if this can come off my credit report. I asked that since this was their mistake, why do I have to do all the leg work to correct their error. And reiterated that Progressive even told them that I am not the ********* ******** they sent to collections. CCS is unable to help me unless I send in all my private documents to prove this is not me that they mistakenly put me in collections for a policy I never had with Progressive. Thank you

Desired Settlement: I would like an explanation on how this occurred even with Progressive telling them 2 months ago they have the wrong person. And why must I go out of my way to correct their error. I do not want this to happen to anyone else.

Business Response: Our office is in receipt of the complaint filed by Ms. ********* ********. We greatly appreciate this opportunity to respond.   As a preliminary matter, we are investigating Ms. ********’s concerns and if we determine that our telephone representatives did not act in accordance with our training and procedures, then they will be disciplined accordingly. That being said, Ms. ******** will hear nothing further from us in regard to this matter. We have also instructed the credit bureaus to delete the account, but please note that we cannot control the speed in which the credit bureaus act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

5/4/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Collector made false and misleading representations in their pursuit of debt - indicating failure to pay may result in, in th auto license suspension In their letter dated 1/30/2014, they made reference that if the amount remains unpaid they may notify the Department of Motor Vehicles, "which could lead to license suspension". In Oregon, only a court may suspend or revoke driving privileges if an individual were to fail to appear in court or fail to pay a traffic fine for a traffic violation or a traffic crime. No traffic fine, violation or crime was involved in this matter. As such, we believe this constitutes false and misleading representations, which are in violation of the FCPA 15 USC ***** **** ***(10) and Oregon Administrative Rules ("OAR") ************ (10): FCPA 15 USC ***** **** ***(10) - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer; OAR ************ - A collection agency may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this rule: (10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a debtor.Collector made false and misleading representations in their pursuit of debt - indicating failure to pay may result in, in th auto license suspension In their letter dated 1/30/2014, they made reference that if the amount remains unpaid they may notify the Department of Motor Vehicles, "which could lead to license suspension". In Oregon, only a court may suspend or revoke driving privileges if an individual were to fail to appear in court or fail to pay a traffic fine for a traffic violation or a traffic crime. No traffic fine, violation or crime was involved in this matter. As such, we believe this constitutes false and misleading representations, which are in violation of the FCPA 15 USC ***** **** ***(10) and Oregon Administrative Rules ("OAR") ************ (10): FCPA 15 USC ***** **** ***(10) - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer; OAR ************ - A collection agency may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this rule: (10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a debtor.

Desired Settlement: Based on their false and misleading representation I believe they should be disallowed the further pursuit of collections as a fair resolution to the issue.

Business Response: Our office is in receipt of the complaint filed by Ms. ******** ******. We greatly appreciate this opportunity to respond.   As a preliminary matter, please be advised that we have closed this file with our office. Although Ms. ****** will hear nothing further from us in regard to this matter, our client believes the balance is due and we cannot control any actions they may take in regard to the matter.  Please note that Ms. ****** also had a complaint with the Consumer Financial Protection Bureau (CFPB). In regard to that complaint we advised the CFPB that the file in question involved a subrogation claim based on an automobile accident, not a consumer debt. Consequently, since this matter is considered a tort and not a debt, the FDCPA is not applicable to this matter. Please see, FTC Official Staff Commentaries, 53 Fed. Reg. 50, ********* (12/13/88); Fed. Reg. ****** at § ***(5) states that the term "debt" does not include "tort claims;" ******, FTC Informal Staff Letter (5/18/87)(Car accidents are not debts).   We went on to advise the CFPB that notwithstanding the above, our client’s licensed insurance determined that Ms. ****** was responsible for an automobile accident with their insured. Ms. ****** previously indicated she preferred to pay out of pocket and requested proof of the amounts paid out by our client on the claim, which was sent to her on 12/17/2013.   We trust this resolves your concerns.

Consumer Response: 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.

I accept their response that this is a tort and not a debt, and therefore the FDCPA does not apply.  I also accept their response that they attempted to send proof of amounts paid out by their client on 12/17/13. However, I am rejecting their response because want to clarify I do not accept that the support they provided was accurate, complete, or of sufficient quality to prove the amounts were actually paid by their client.  Please refer to the attached letter and documentation I sent in response on 12/24/2013 and note that I never received a response to this letter.  

Business Response: We regret that our previous response only partially resolved the concerns of Ms. ******. That being said, we previously provided Ms. ****** with proof of the amounts paid out by our client as a result of our client’s licensed insurance adjusters determination that she was responsible for the damages she caused in an automobile accident. However, as we advised previously, this file has been closed with our office. Please note that we cannot control any actions  our client may take in regard to this matter.

5/4/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is sending me out baseless collection letters - on behalf of *********** Insurance Company - claiming I owe $3,680.42 because I do not have automobile insurance. My insurer, *****, has been in touch with *********** on numerous occasions, and they are well aware that I carry full coverage. The matter is being handled between insurers, and the tactics of CCS are nothing more than unethical, strong arm tactics to attempt to collect am amount for which I am not responsible. A company can not unilaterally and arbitrarily decide that they are owed money without some sort of valid contractual claim or a legal judgment, and proceed to retain a collection agency to hound a party. CCS has been repeatedly informed tha tthis matter is being handled between insurers, and they fail to refrain from continuing collection efforts. I note that they display the Better Business Bureau accrediation seal on their correspondence, and that is not something that should be treated frivolously while conducting unethical business practices. Further, I note that this practice is illegal in my home state of California without a contract or a judgment affirming the debt.

Desired Settlement: Stop sending me collection letters.

Business Response: Our office is in receipt of the complaint filed by Mr. ******* ********. We greatly appreciate this opportunity to respond. Contrary to Mr. ********’s assertion, he has not conveyed to us that he was covered by insurance for the accident in question. That being said, we have agreed with Mr. ********’s request to stop contacting him regarding this matter. If Mr. ******** could please either provide us with the contact information for the adjuster handling his claim or have the adjuster contact our office, we would appreciate it. We trust this resolves your concerns.  

4/30/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This collection company has put a $17.00 collection for ******* on my ******* credit report that I have no knowledge of from July 2012. I never received anykind of notice/bill from *******, I have called my insurance company and there is no remittance for ******* on July 2012! and even if there was a remittance for ******* at anytime in 2012 my insurance company which I am an employee would have paid 100% because ******* is on our preferred provider list. (I am also registering a complaint with the provider department of my insurance about ******* and this collection company) I had no deductible! I want this removed from my Credit report immediately, I want all correspondence showing proof of this lab work in my name in July 2012. I am not in anykind of habit of not paying for any medical bill ever! Again I want this collection company to remove this information from Equifax credit report and send me the requested information on this labwork!

Desired Settlement: A letter removing the $17.00 collection from my ******* ****** ******* correspondence for proof of this lab work in my name in July 2012!

Business Response:

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

*** ***** should have received a billing statement prior to being placed into collections. Further, we also sent her correspondence on 2/13/14 to the very same address provided in her complaint, which is also the same address provided to us by our client. Regardless, we have closed this account with our office and instructed the credit bureaus to delete the account. Please note that we cannot control the speed in which the credit bureaus act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records. Please also note that our client believes the balance us due and we cannot control any actions they may take in regard to it.  

We trust this resolves your concerns.

Consumer Response: [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 ********** I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

****** *****

4/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Called them up and told me that my driver’s license was suspended since I did not pay debit. Yet when I called the DMV they told me that my license was valid

Desired Settlement: That they cannot use this scam with people as it is unethical

Business Response: Our office is in receipt of the complaint filed by Ms. **** *****. We greatly appreciate this opportunity to respond.   Contrary to Ms. *****’s assertion, we did not provide her with inaccurate information. It’s likely that the DMV has not yet processed the suspension request as our letter was only sent to them on 3/27/2014. Please note that Ms. ***** was determined to be responsible for damages she caused in an automobile accident by our client’s licensed insurance adjuster. Further, her insurance company has denied her coverage for the accident because her coverage had lapsed for non-payment at the time of the accident. Accordingly, this is now a self-pay obligation.  We trust this resolves your concerns.

Consumer Response: 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.

I have spoken with the police and DMV since no ticket were issued and it was on private property they don't care and it was not my fault .  Ms ********** refuse to pay for my damage 

4/15/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: CCS sent me a collection notice. I phoned to question the validity of the notice. The representative stated that they had sent the notice to wrong address. However, when I asked for a written retraction, the representative hung up the phone. I want it in writing that they contacted me in error & assurances that their mistake will NOT be noted on my credit report.

Desired Settlement: I want to receive a written retraction of their collection notice and assurance that their mistake will NOT reflect on my credit report.

Business Response: Please be advised that we cannot locate an account with the information provided in Ms. ****’s complaint. If she could please upload a copy of the letter she received and/or provide the CCS file number listed on the letter, we would be happy to investigate her concerns further.

Consumer Response: 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.

I will need to retrieve the collection notice from another location in order to forward it to the collection service.

Business Response: We look forward to receiving the additional documentation from Ms. ****. If she prefers, she can email the documentation to *********@******.com or send it via facsimile it to ************. Upon receipt we will investigate Ms. ****’s concerns further.

Consumer Response: 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.

CSS needs to forward a written retraction of the attached notice to me with assurance that none of this has been reported to any credit checking agency.

4/12/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: To whom it may concern, In the month of December, last year 2013, Comcast my internet carrier turned off my internet service, and placed me with the collection agency "Credit Collection Services" for non payment, it was for about two months that I did not make a payment. However, that same month December, I contacted Comcast paid my bill, and my Account was brought up to date, and my service subsequently restored. So, I thought it was all resolved. However, in the month of January, I was still receiving calls from the collection agency, and letters, telling me that I owed, almost $200 for the collection of Comcast equipement. Now, I thought that almost a month after my account being updated, and my service being reinstated, that it strange the collection agency would still be calling and harassing me. I in turn called the agency, I was told by one of the rudeous, and most incompetent Representative, that it was not their job to contact Comcast, that it was my responsibility to contact comcast, get a letter from them, which I needed to send to the Collections Agency, stating that my account was paid in full and up to date. I was so shocked, I called Comcast and explained the situation, and they told me that they would contact their Accounting department and have them, forward the company Credit Collection Services updated information showing that my account has been updated. That has been January, since then, I have made five additional calls to Comcast, and spoken to countless representatives, and still nothing was being done. As the Agency has still been calling and sending letters. I then contacted the Better Business Bureau and then on March 12th, 2014 a resentative from the Comcast Corporate office by the name of CJ contacted me, and informed me that he had contacted the Agency, and that he informed them to stop contacting me as my Account has been paid in full. He reasured me that the company would not be contacting me, as he had taken care of the situation. Since then, I have still been receiving letters from Credit Collection Services, I received one March 20th. I would like this company to STOP CALLING ME, HARASSING ME WITH LETTERS, AND GET THEIR FACTS STRAIGHT AND CONTACT COMCAST, THIS IS HARASSMENT TO THE HIGHEST DEGREE Iam extremely upset, and disappointed with Comcast and their handling of this situation, of not notifying their Collection Agency that they have paid to collect funds, from someone who has already paid there Account and service has been restored, where is the communication, this is absolutely ridiculous. IRRATE COMCAST CUSTOMER I contacted Comcast the same month

Desired Settlement: This what I expect and want from "Credit Collection Services" 1. A letter sent to me stating that my Account with them has been closed, and brought up to date 2. They MUST notify the three credit reporting agencies, transunion, Equifax, and Esperian, and have my account closed

Business Response: Our office is in receipt of the complaint filed by Ms. ******* *****. We greatly appreciate this opportunity to respond.  As a preliminary matter, please be advised that we have agreed with Ms. *****’ request to close the account with our office. Although we have closed this account, please note that we cannot control any actions our client may take in regard to it. Further, we have instructed the credit bureaus to delete the account. However, we cannot control the speed in which the bureaus act upon our request and recommend giving the bureaus at least thirty (30) days to update their records. Please also be advised that we have thoroughly reviewed Ms. *****’ concerns regarding our telephone representative and determined that our representative was polite and professional. We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

4/11/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am disputing the above-referenced debt. Please Validate this debt as required by the Fair Debt Collection Practices Act. As I asked in my first verification letter for validation by providing me with any signed documents by me. Providing me with account statements is not acceptable as they don't validate that I owe this money the statements you provided all have my wife name till she filed the bankruptcy PNC removed her name & left my name only. I am asking for the following as validation 1-An application to open the credit card with my signature agreeing to all Terms & Conditions. 2-any transaction receipts that are signed by me. Once again please stop this allegations because you are damaging my credit with NO proof this debt belongs to me as I said before my wife is the one & only one opened this account I was not even in the country & I have the proof of that. I dispute this debt because I never opened the above noted account or applied for it. This account was open by my wife solely & added my as user by her which I have never approved . I have never signed any application to apply for this account. Additionally I was out of this country when this account was open by my wife at the time. Also my wife has filed bankruptcy chapter 7 & this account was included in the bankruptcy. I am asking you to find any signed document where I have applied or signed to open this account to verify this matter. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. 

Desired Settlement: Remove this debt from my name.

Business Response: Our office is in receipt of the complaint filed Mr. ***** ****. We greatly appreciate this opportunity to respond.  Please be advised that Mr. ****** concerns are not with CCS’ handling of the account. Instead, states that the account was opened by his wife. Please note that the account was placed by our client with Mr. **** as the person responsible for the balance due. That being, we have closed this account with our office and forwarded a copy of the complaint to our client to review. However, please note that we cannot control any actions our client may take in regard to the matter. We trust this resolves your concerns.  

4/7/2014 Billing/Collection Issues
4/5/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The CCS Companies have contacted me incessantly concerning a automobile claim from Allstate Insurance. This claim has been resolved between the affected parties with proof of payment to the other party involved. Since this issue has been resolved between the affected parties, The CCS Companies has no Police Report or other concrete proof with which continue pursuing this claim.

Desired Settlement: The CCS Companies needs to cease the pursuit of this claim and remove my information completely from their records.

Business Response: Our office is in receipt of the complaint filed by Mr. ***** *****. We greatly appreciate this opportunity to respond. Please be advised that we have agreed with Mr. *****’s request to cease contacting him regarding this matter. That being said, our client’s licensed insurance adjuster determined that Mr. ***** was responsible for the accident and we cannot control any actions our client may take in regard to the matter.  We trust this resolves your concerns.

Consumer Response: 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.

Other than the letters from the Credit Collection Services Company, I was never contacted by the client’s licensed insurance adjuster.  I continue to dispute this debt, through the Fair Debt Collection Practices Act, because there is no evidence or a police report detailing that I was responsible for the damages quoted or paid by Allstate Insurance Company to their client for his/her vehicle.   It should be noted that by disputing this debt, the Credit Collection Services or their client should not report it to the credit reporting agencies.  Reporting information that is known to be inaccurate, or failing to report information correctly, violates my rights according to the Fair Credit Reporting Act. Unless there is solid evidence, a police report with specific information about this claim, there is no justification for any further contact from the Credit Collection Services or their client.

Business Response: We regret that our previous response was not satisfactory to Mr. *****. However, as we previously advised, we had agreed with Mr. *****’s request to cease contacting him regarding the matter. We cannot control any actions our client may take in regard to the matter though. Further, please note that this matter resolves around a subrogation claim, not a consumer debt, so the Fair Debt Collection Practices Act is not applicable to this matter. Further, please be assured that we did not send this account to any credit bureau. We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved.

4/4/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My daughter who is 8 years old, received a collection notice for $12.48 from some lab work done around 15 months prior. Under no circumstances should a minor let alone an 8 year old be receiving a collection notice for lab work not covered by insurance.

Desired Settlement: I would like to ensure that CCS procedures are updated to exclude minors in collection notices. I was told by the CCS customer service rep that because there are so many files they can't go through every one. This is a horrible excuse and not a reason why a minor should get a collection notice.

Business Response: Our office is in receipt of the complaint filed by Mr. ***** *******. We greatly appreciate this opportunity to respond. As a preliminary matter, we cannot control how an account is placed and with what information. That said, Mr. ******* previously contacted us and we changed the name on the account to indicate the “Parents of…” at that time. We have closed this account with our office and Mr. ******* will hear nothing further from us in regard to the matter. We trust this resolves your concerns.

Consumer Response: 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.

The issue wasn't with my specific account/event. The issue is the company has no process in place to prevent minors from receiving collection notices. Fixing my account by putting "parents of" doesn't fix their internal process of sending out notices to minors. 

Business Response: We regret that our previous response was not satisfactory to Mr. *******. However, as we stated previously, we cannot control how an account is placed with our office. As soon as we became aware that the person we were attempting to contact was a minor, we immediately took steps to prevent any further contact with the person we were attempting to contact. We trust this resolves your concerns.

Consumer Response: 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.

The latest response does not fix the internal process. The company must find a way to sort through their incoming files and not send minors collection notices. Not wait until after they are sent out to fix the file. It is not impossible. The birth date is given. Fix the problem BEFORE it goes out not after.  

4/4/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have a collection on my credit from this company for the amount of 1095. I have faxed a copy of the police report and got nothing from this company. I have now filed a complaint with the Atty Generals Office as well. I have never had insurance with this company. I have been a victim of id theft. I have filed a police report in regards to this account as well report number ************ with ****** **. I became aware of this collection thru my credit monitoring and mail that was sent to a family home. I have had insurance with my current provider for many years. I want this company to remove its account from my credit. I have perfect credit never defaulted on a loan or account ever. This is the only account that shows negitive on my credit.

Desired Settlement: I want this company to remove itself and any inquires from my file at once.

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

As a preliminary matter, *** ********** previously filed a complaint with your office with these very same concerns (see BBB Case No. ********* In response to that complaint, we advised that we had previously received the documents from *** ********** to support his allegation of fraud. The accounts were immediately closed at that time and the credit bureaus were instructed to delete the accounts. In the instant complaint, *** ********** states an account with the balance of $1,095 is on his credit. However, we are unable to locate any account with that amount listed. If *** ********** could please provide us with a copy of his credit report with the account in question listed by CCS we would be happy to investigate his concerns further.

 
We trust this resolves your concerns.

4/4/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I just received a collection notice from this company stating that they have tried to contact or resolve this matter with me on numerous attempts, and I have never heard of or received anything from them and if I due not pay an outstanding balance of $269.00 owed to ******* ****** Insurance company ( who I am also NOT familiar with) that I may be taken to court or reported to credit bureau or whatever. I would appreciate your help in resolving this matter before it escalates. Thank You

Desired Settlement: It be removed or explained why they think I owe them

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

Please be advised that we are unable to locate an account for *** ******* with the information provided in the complaint. If he could please upload a copy of the letter that he received to the BBB’s complaint portal, or at least provide the file number listed on the letter, we would appreciate it. Upon receipt of that information we will be in a better position to investigate his concerns further. 

We trust this resolves your concerns.

4/3/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint:

In December 2013, I received a notice from Credit Collection Services ("CCS") that I allegedly owed $166.90 to ***** *********** ("*****" and the "Debt"). On December 20, 2013, I called CCS and informed the call center employee that I was unaware of the particulars of the alleged Debt and that ***** had never provided me with an invoice in relation to its services. CCS advised that I should contact ***** for an invoice, which I did that same day. Although ***** promised to provide the particulars, both by fax and by letter mail, I have never received any information from *****. In January 2014, I received a second notice from CCS with an offer to settle for 50% of the Debt, or $83.45. I called CCS and informed the call center employee that I was still not aware of the particulars of the alleged Debt and that ***** had still not provided me with an invoice in relation to its services. In addition, despite the call center employee indicating that they would request the particulars of the alleged debt from *****, CCS has failed or refused to provide me with the particulars. In my view, the failure by CCS and/or ***** to provide me with the particulars of the alleged Debt constitutes an unfair or deceptive collection practice, as such term is understood in both New York and Massachusetts. On February 26, 2014, and still with no particulars of the alleged Debt, I accepted CCS' offer of settlement by mailing a check made payable to ***** *********** in Boston, MA for $83.45. I accepted CCS' offer of settlement simply to resolve the situation and not because I was satisfied that I owed the alleged Debt. On the reverse of the check, I wrote: "For deposit by ***** *********** only. Deposit of this check by ***** *********** constitutes full and final satisfaction and release of all amounts owing in respect of File No. [omitted] with no further reservation of rights on the part of ***** ***********." In addition, I indicated if the terms of the endorsement were not acceptable that such check should be returned to me in Canada. The check was cashed on March 12, 2014. On March 13, 2014, CCS mailed another notice indicating that I had only made a "partial payment" and that the balance of the Debt was due by March 23, 2014. I called CCS and spoke to a call center employee, and informed CCS that I had made the 50% payment in express response to CCS' offer and that the matter was resolved as far as I was concerned as the check had been deposited. I again reminded the CCS employee (who verified the call logs in my file) that I had now called CCS three times and that I had still not been provided with particulars of the alleged Debt. The employee went and spoke to his supervisor (***** *******) who then informed me that CCS was not accepting my payment as I was first required to "orally" accept CCS' offer by telephoning CCS prior to mailing a check. I asked to speak to *** ******* directly who confirmed the comment by his subordinate. I indicated to *** ******* that my mailing the check in response to CCS' 50% offer should have been sufficient to resolve the matter, but in any event CCS or ***** had cashed the check with the "full and final satisfaction" endorsement. *** ******* replied that the check is handled at a processing facility and that no one at CCS reviews the checks before deposit. I informed *** ******* that if my endorsement was not acceptable then CCS and/or ***** should provide a refund of the $83.45. *** ******* refused. In my view, the failure by CCS and/or ***** to: a) provide particulars of the alleged Debt at any time and despite repeated requests; and/or b) honor the 50% offer; and/or c) to impose unreasonable conditions on the acceptance of that offer; and/or d) to refuse to refund $83.45 if the "full and final satisfaction" endorsement was not acceptable to CCS and/or ***** each constitutes an unfair or deceptive collection practice, as such term is understood in both New York and Massachusetts.


Desired Settlement: In my view, the payment of $83.45 is $83.45 more than should have been paid under the circumstances, given the failure by CCS and/or ***** to: a) provide particulars of the alleged Debt at any time and despite repeated requests; and/or b) honor the 50% offer; and/or c) to impose unreasonable conditions on the acceptance of that offer; and/or d) to refuse to refund $83.45 if the "full and final satisfaction" endorsement was not acceptable to CCS and/or *****. Further collection efforts by CCS and/or ***** should be halted and my file should be closed.

Business Response:

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


Please be advised that the account in question revolved around medical services provided by our client on 5/15/2012. Please note that our client last billed *** ******* on 9/21/2012. That being said, prior to receiving this complaint we had already made the decision to accept *** *******’s payment as settlement in full. Accordingly, the file was also closed with our office. *** ******* will hear nothing further in regard to this matter.


We trust this resolves your concerns.

Consumer Response:
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 #*******. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

4/3/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company keeps calling my house looking for my step daughter who has the same name as my husband. We (me and my husband) have repeatedly asked them to stop. We have gave them the correct address and phone number to reach ***** ***** ****** at but they just keep harassing us. One representative even lied and told my husband that he talked to her at our phone number a while back which was a lie, she was in jail at the time. We do not associate with her and do not want to have to deal with her debt collection issues.

Desired Settlement: Please have this company stop ringing my phone looking for my stepdaughter.

Business Response:

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


Contrary to *** ******’s assertion, the first instance we spoke to *** ****** was on 4/2/13. Please note that we only made one phone calls to the phone number in question, and we immediately removed the phone number from our records when *** ****** advised us that the phone number did not belong to the person we were attempting to contact. Perhaps *** ****** is confusing calls from our office with calls from other companies.  


We trust this resolves your concerns.

Consumer Response:
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 #*******. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

3/31/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a letter from this company listed as a status update and listing as a settlement opportunity. I have not had Geico Insurance whom is the party alleged to be using their services for at least 5 years. I called Geico and they could find no listing of a $52.64 amount due. Interestingly since five years has passed and I have never been notified of an amount due, I was very curious. As Geico states I have no debt it is a good assumption that Credit Collection Services has no Debt.

Desired Settlement: I want a letter from them stating that there wil be no further contact regarding this issue or I want full prof that there is an outstanding amount. As five years have passed since I had any dealings with Geico I would like to know what the statute of Limitations are for a collection. This letter gives absolutely no information other than an amount and the company is Geico. Very suspicious way to try and collect debt and since I have since many many complaints, I'm guessing there is an issue. So I want them to step up and provide the documentation and prof and also whom from Geico is responsible as they are advising me that there is no debt owed and it's probably a fraud. I can't believe with all these complaints this company has an A- rating. A theme in lots of these complaints is the minimal information giving and direction to a site to make a payment.

Business Response: Our office is in receipt of the complaint filed by Ms. ***** *****. We greatly appreciate this opportunity to respond. Please be advised that we have agreed with Ms. *****’s request that we not contact her any further, and closed this account with our office. That being said, Ms. ***** is believed to be the person we were attempting to contact.   We trust this resolves your concerns.

Consumer Response: 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 #*******. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

I want it clarified that I ***** ***** am ***** ********** which was my previous legal name prior to being married in March of 2013 and becoming ***** *****. As long as the company has agreed there was an error and will not be pursuing further, I believe the complaint was well served and that was my intended outcome as I do not belive there was a valid open amount. So as proposed, I agree that the dropping of the issue and no further contact from these people is acceptable. Thank you BBB for helping clarify this matter.

3/28/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: CCS keeps calling daily and send mail with out email contact address. the collection is about **** issue. I have contacted AT&T they fixed their mistakes three months back. For some reason, CCS keeps disturbing even after I called them and tell them to check ***** I want them to do their work and verify with ****.

Desired Settlement: and don't touch my credit record

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

Please be advised that we have agreed with *** ****’s request to stop contacting him. The account has been closed with our office. That being said, contrary to his assertion, we have not spoken to *** **** regarding this matter, and AT&T has not conveyed to us that the balance is not due. However, please note that we have forwarded *** ****’s concerns to our client to review.  

We trust this resolves your concerns.

Consumer Response:
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 ********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

it may reduce complaint if the business web site allow uploading the evidence

3/25/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Credit Collections Services Commercial is sending me collections notices in the amount of $174,752.96 for "estimated" damages. I was involved in a 3 car automobile accident and was found not at fault by the police report, witness statements and finally by a judge. This company has assigned this debt to me without any proper authorization / knowledge and has aggressively attempted to collect this outrageous amount sum. They have a track record of this and after checking them out on the Internet I found page after page of complaints. Their tactics need to be investigated as they and not only unethical but also unsubstantiated . Credit Collections Services Commercial has tried to intimidate and bully me by sending out collection letters demanding that I pay this debt which is not mine and is "estimated"

Desired Settlement: I would like Credit Collections Services Commercial to send their requests to the correct individual which is not me. I do not owe them and money and I would like them to stop contacting me.

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

Please be advised that we have agreed with *** ******’s request to stop contacting him. The file has been closed with our office and we
have forwarded a copy of the complaint to our client to review. Although *** ****** will not hear anything further from us in regard to this matter, please note that we cannot control any actions our client may take in regard to the matter.

We trust this resolves your concerns.

3/25/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have called Credit Collection Services to provide them with documentation regarding a notice I was provided. I asked for a fax # by calling the # on the BBB site. The lady transfered me to another #. I asked for a fax # again and the gentleman on the phone indicated that till I verify all my information (which included personal information) that they would not provide a fax # for the company. I called back and the gentleman on the phone said they cannot provide a fax number till I have provided personal information.

Desired Settlement: I would like them to remove my name of their list. I would like for them to stop contacting me. I have proof that they have inaccurate information but am suspcisous that a company will not provide a fax number w/o asking for personal information.

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

Please be advised that we take *** *****’s concerns very seriously. If we determine that our telephone representative did not act in
accordance with our training and guidelines, then they will be disciplined accordingly. That being said, our client advised on us 3/11/2014 that they
received direct payment from *** *****. This file has been closed with our office and *** ***** will hear nothing further from us in regard to the matter.

We trust this resolves your concerns.

3/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Beginning in about December 2012, I began receiving about 4 phone calls a day from phone numbers with a 617 area code, but would never leave a message. In January, I finally called one of the numbers back, and it belonged to Credit Collection Services. I have no accounts in collections, so I assumed it was a wrong number, and spoke to someone to advise this. Turns out there was a billing issue with Travelers on a renters insurance policy that I canceled and they sent my account to this collection agency. The first representive I spoke with was very professional and told me to contact Travelers to resolve the issue. I contacted Travelers and we are currently working out what happened with my policy. About a week later, maybe in mid January 2014 at 8:01 AM on a Saturday, I receive a call from a very rude female representive, who refused to give me her name after I asked for it, from the same agency, Credit Collection Services, saying I need to pay the balance immeaditely. I advised her that the balance is disputed and I'm working it out with Travelers. She said that doesnt matter and I still needed to pay her. I advised I am not paying anything until Travelers and I worked things out, and even then if I did indeed owe a balance, I would be paying Travelers. She then said she was going to report it to the credit agencies and send it to litigation and hung up on me. Keep in mind the disputed balance she is talking about is $120. I called them back, advised them of what had just occured, and told them to cease and desist all forms of contact with me. The representitve said she would note the account as such, and all contact would cease. Since she advised me all contact would cease, I did not send a cease and desist letter. On 3/1/2014, I received a letter post marked 2/24/2014 from Credit Collection Services, still contesting I pay them the disputed amount. I contacted them to let them know they are violating the cease and desist I requested. The representitve I spoke with said the account was noted that i only requested a cease and desist on phone calls, which is a blatant lie, as I requested a cease and desist on all forms of contact. This company has blatant disregard for FDCPA. Four phone calls per day is harrassment. Threatening legal action you don't intend to take is a clear violation of FDCPA. This company has failed to produce a validation notice within 5 days of initial contact, as required by FDCPA, another clear violation of the FDCPA. To this date I have received nothing validitaing the debt they claim I owe.

Desired Settlement: An apology and no further contact from this "company" is the desired outcome.

Business Response: Our office is in receipt of the complaint filed by Mr. ******* ****. We greatly appreciate this opportunity to respond. Please be advised that we take very seriously the concerns of Mr. ****. Please note that we are currently investigating the concerns of Mr. ****. If we determine that our telephone representative did not act in accordance with our training and procedures, then the representative will be disciplined accordingly. That being said, we have closed this account with our office and Mr. **** will hear nothing further from us in regard to this matter. We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

3/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In November 2013 I had problems with my now closed checking account. The checking account had been compromised and the bank suggested closing it. I closed the bank account and also open a new bank account. My debit card was also cancelled and a new one opened. I purchased renter's insurance with Farmer's Insurance and used my checking account to purchase the insurance with auto payments. I had no problems with the insurance but after not being billed or receiving any communication from the company I had to purchase new renter's insurance. On March 7, 2014, I received a letter from the collection agency for a cancelled policy plus charges for overdraft fees. My bank did not charge me overdraft fees. I called the agency and spoke to someone about paying $10.00 a month until the amount was paid off. The collection agency would not settle or consider payment arrangements. I have had continuous renter's insurance. I would have paid the account off if I had received a bill.

Desired Settlement: I want the collection activity to stop completely and for CCS/Farmer's Insurance to agree to payment arrangements on the policy charges. I also want them to drop the overdraft fees since my bank declined the charges and did not overdraft my account.

Business Response: Our office is in receipt of the complaint filed by Mr. *** ******. We greatly appreciate this opportunity to respond. As a preliminary matter, please be advised that we have agreed with Mr. ******’s request to stop contacting him. That being said, our client believes the account is due and we cannot control any actions they may take in regard to the account. Please also note that we did discuss payment arrangements on the account. However, we were not able to accept the amount that was offered; but we advised that we would certainly apply any monies sent towards the balance due. We trust this resolves your concerns.

3/18/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Dear BBB: I recently switched to another insurance company. I used to have Farmers Insurance. I faxed and called the insurance agent in November of 2013 to cancel the policy. However, in February of 2014, I received a collection notice from a third party collection agency of Farmers Insurance. I never agreed to renew my policy. I have no idea why there would be a collections issue when there was no longer a valid and authorized policy in place or balance due when I did not agree to renew my policy. I believe that the insurance agent was upset at me for moving my home and business policy to another insurance company and did this out of spite. I am upset that such professional conduct happened. Thank you very much for your help.

Desired Settlement: I would like Farmers Insurance to adjust their bill to the correct amount which is $0.00. I have paid them for all the insurance premiums when I was with their company. I cancelled through fax and a follow-up phone call with the agent. There should be no balance due.

Business Response: Our office is in receipt of the complaint filed by Mr. **** ******. We greatly appreciate this opportunity to respond. Mr. ****** states that he switched insurance companies. If Mr. ****** could please send us a copy of the declarations page from his new insurance company, we would be happy to forward it to our client to determine if an adjustment is due. That being said, we have closed this account with our office. Mr. ****** will hear nothing further from us in regard to it. We trust this resolves your concerns.

Consumer Response: Thank you for resolving this issue. I very much appreciate that. Please find attached the proof of insurance coverage and cancellation fax that was sent to Farmers Insurance. Would you please forward this to the company?

3/17/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On 2/27/14 I received a letter from Credit Collection Services with a "Status Update" and "Settlement Opportunity" for $285.0 owed to GEICO Indemnity Company. I do not have a policy, or have ever had a policy with Geico Indemnity Company. The letter from CCS did not provide a account number, date of policy, nor explanation for charges being collected. Of course, I called GEICO to confirm, and they were not aware of any charges owed and told me to "disregard the letter since it's probably fraud."

Desired Settlement: I would like a formal letter stating that 1) CCS has removed my account from their system, 2) they will no longer contact me via email or phone regarding this account, and 3) an explanation for my how information ended up in their database. I have been contacted over the last 6-12 months from various "fraudulent" collection agencies who are trying to collect on either debts that I do not owe, ghost debts, or debts that are past the SOL. I have forwarded this statement to the FDCA lawyer that I have hired to handle the other fraudulent claims that I have received in the last year as well.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* *****. We greatly appreciate this opportunity to respond. Please be assured that Ms. ***** was believed to be the person we were attempting to contact. That being said, we have removed her address from our records and she will hear nothing further from us in regard to this matter. We trust this resolves your concerns.

Consumer Response: 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.

Removing my address is not sufficient. Please remove this account associated with my name, social or whatever personal information you may have. 

Business Response: We regret that our previous response was not satisfactory to Ms. *****. That being said, other than her address, which has been removed from our records, we do not believe we have any other information for Ms. *****. We trust this resolves your concerns.

3/17/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: My bill was paid off two weeks ago and I still haven't received my papers to get my licences back. The company stated it would take 8 days, its been over that amount of days. I have been paying them for over a year now and never received my papers. When I call they say it's been sent but I have never received it. So now my bill is paid off there should be no excuses of why I haven't received my papers.

Desired Settlement: I would like for this company to send my papers and never contact me again.

Business Response: Our office is in receipt of the complaint filed by Mr. ******* ****. We greatly appreciate this opportunity to respond. Please be advised the release has been sent to Mr. ****. Further, we have attached a copy with our response. Please note that we had to wait for the funds to clear before sending the documentation to Mr. ****. We trust this resolves your concerns.

3/16/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Attention  I do not owe AT&T Mobility this money . I never had AT&T Mobility phone . I did have AT&T phone service at one time but my bill was 32.00 ! I am not paying this bill because I do not owe AT&T 232.63. PS look into this matter and tell them to stop sending me a bill for 232.63. If you need to contact me my phone # is (***) ********. This is not true. Tell them not to send me another bill . I do not owe them 232.63. Like I said I had a regular service with AT&T and my bill was 32.00 a month . PS look into this  what they are saying is not true . If this issue is not resolved I will take further action.. I do not owe this and you can tell the credit to stop sending me this bill . 

Desired Settlement: see Attached document

Business Response: Our office is in receipt of the complaint filed by Ms. ******** *********. We greatly appreciate this opportunity to respond. As a preliminary matter, please be advised that we have agreed with Ms. *********’s request to stop contacting her. Although Ms. ********* will not hear anything further from us in regard to this matter, please note that our client believes the account is due and we cannot control any actions they may take in regard to the matter. We trust this resolves your concerns.

3/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a collection notice from this company for unpaid bill (on behalf of Comcast Cable) on Dec 02 2013 which was paid in full on Nov 26 2013. I contacted the business to advise them of the same in an attempt to clear my record/error. I was told they would wait for a confirmation from the client (Comcast) and no action needed on my part. Few days later, contacted them again but nothing had changed regarding the update. As of now, while Comcast confirms that there is no outstanding balance on the account in question, CCS USA is still showing the amount as unpaid. They have done very little or or nothing to reach or confirm with Comcast to clear my account. I'm being harassed by them while the customer rep threatens me that it will go on my credit report. CCS has not sent anything to show or prove the amount is still owed by me as of Jan 30 2014. Instead, I'm being forced to prove otherwise rather than CCS contacting the client (Comcast) who actually hired them for the services.

Desired Settlement: Since Comcast has confirmed directly with me that no amount is owed for the account, I want CCS to clear my record (in writing).

Business Response: Our office is in receipt of the complaint filed by Mr. ****** *****. We greatly appreciate this opportunity to respond. Contrary to Mr. *****’s assertion, we were not able to confirm with our client Mr. *****’s claim that he paid the account. If he could please provide us with a copy of the cancelled check (front and back) as proof the account was paid we would be happy to review the information with our client to determine if an adjustment is due. That being said, we have closed this account with our office and Mr. ***** will hear nothing further from us in regard to the account. Please also be assured that we did not send this account to any credit bureau. We trust this resolves your concerns.

Consumer Response: 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.

CCS USA: The arrogance and lack of customer service couldn't be anymore obvious than the response.  Unlike CCS USA, the "assertion" on my part is not without a confirmed proof/facts from the client itself.  Therefore, I prefer the term evidence or supporting document which CCS USA has not provided me with. I have mentioned it in my complaint as well number of phone calls to CCS USA that the final payment was made with a credit card.  When you request a copy of the check as a supporting document, it shows how in comprehensive you are.  During the first few attempts I tried to work with your staff to clear the error by going out of my way to contact Comcast.  I do have supporting document from Comcast but I don't appreciate the threats and burden of proof entirely on myself.  You were hired by Comcast (who admittedly made an error in this case) therefore you too have the responsibility of contacting them to confirm the matter (just like I did with number of phone calls and hours). Finally, I don't accept the response because I wanted confirmation in writing (by mail) along with my case/ref. number and perhaps an apology.

Business Response: We regret that our previous response was not satisfactory to Mr. *****. To state our previous response another way, we attempted to previously confirm with our client that Mr. ***** had paid the account; however, our client had no record of the payment at the time we contacted them about it. If Mr. *****, would be willing to send us a copy of his credit card statement listing the payment we would be happy to forward it to our client to determine if an adjustment is due. That being said, as we previously advised, this account has been closed with our office and Mr. ***** will not hear anything further from us in regard to it.

Consumer Response: 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.

I don't accept the response because the business has failed or is refusing to mail any document regarding the account closure with them or document indicating any outstanding balance in question.  I need that document for future reference should this matter come up again.  As of this date, I have not received any document from CCS USA indicating that my account has been cleared or closed regarding this matter.

3/12/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a Warning Notice from this company on 2/19/14 the Notice simply had a date of 2/14/14 File # xxxxxxxxx and Sevice date 05/28/2010 Principal Balance $280.62 Regarding Wells Fargo Bank The notice had instructions to either pay on line with credit or debit card to www.WarningNotice.com or by mail to CCS, P.O.Box 773, xxxxxxxxxx. I have not had any business with Wells Fargo Bank and consider this Collection action to be fradulant and have conatcted my Attorney Mr. xxxxxxxx of Prime Legal Experts and instructed him to file a complaint on my behalf to the U.S. Attorney Generals Office as well as the Attorney Generals office in Massachusetts. I had been having problems with my credit report the past few years with bogus collections showing up on it and have contracted Attorneys to resolve all these issues as I was a victim of identity theft in or around 2007-2008. My laptop was stolen with all of my personal information including social security numbers, tax returns etc... I saved to my laptop. The Attorneys were able to resolve all the bogus collections and then on 2/19/14, I get this one from CCS Company.

Desired Settlement: Stop contacting me, Do Not attempt to place this bogus account on my credit report as a way of intimidating me to pay this bogus account. Delete all of my personal information from computers and shred all of my information from your records.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** ******. We greatly appreciate this opportunity to respond.
 
As a preliminary matter, we have agreed with Mr. xxxxxxxs request to stop contacting him. Please be assured that we did not send this account to any credit bureau. Please also note that we would be happy to forward documentation he has relating to his claim of identity theft to our client if he would be willing to forward our office a copy of a completed fraud affidavit and police report.
 
We trust this resolves your concerns.

Consumer Response:

 

Your response is generic in nature and does not say what you are going to do with the bogus information you presented to me for collection of $280.00, as I stated I do have an Attorney Mr. ***** ***** of Prime Legal Experts whom has worked on my case the past years. He has forwarded all the necessary paperwork to the U.S. Attorney Generals Office for investigation and to the State of Massachusetts Attorney Generals Office for investigation.  I have been advised by legal counsel to allow them to handle this case moving forward. 

 

 

 

Business Response: We regret that our previous response was not satisfactory to Mr. Cramer. That being said, we previously advised that we had agreed with Mr.
xxxxxx request to stop contacting him. The account has been returned to our client, but we cannot control any action they may take in regard to the account. However, if Mr. xxxxxx could have his attorney contact our office or have his attorney send us the identity theft documentation, then we would be happy to forward the documentation to our client to determine if an adjustment is due. We trust this resolves your concerns.

Consumer Response:



This is the exact same response I was given the first time from this company, they have not answered my question about what they intend to do with all of my personal information that they obtained about me fraudulently. I told them, I wanted my information destroyed, shredded and to be removed from their bogus records. As, I stated previously, my Attorney advised me to have no further contact with this company, and that he filed a complaint with the Attorney Generals Office for investigation.   

 

 

 

3/12/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I do not owe this company any money. I have a copy of my credit report and they are not listed. I am receiving phone calls from this company to the point where it's annoying.

Desired Settlement: Stop calling my house!!

Business Response: Our office is in receipt of the complaint filed by Ms. **** xxxx. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with Ms. xxxxx’s request to stop contacting her. Although she will hear nothing further from us in regard to this matter, please note that our client believes the account is due and we cannot control any actions they may take in regard to the account.
 
We trust this resolves your concerns.

Consumer Response:

 

Hello, 

I am responding to the complaint that I filed against this company. They said they will stop contacting me, but can't control what happens in reference to the bill. Validate the bill or we do not owe it. You have yet to validate this bill and who it is ACTUALLY for. It's certainly not for me and you cannot keep harassing someone for a bill they do NOT owe. If you do NOT validate this bill then I will assume that your CLIENT is not in compliance with the FDCA in reference to contacting relatives. This matter is not finished and I do not wish to pay for someone else's bill nor do I wish to be harassed for it. If you do not validate the bill I will be seeking legal representation against you and YOUR CLIENT. Thank you!! xxxxx

 

 

 

Business Response: We regret that our previous response was not satisfactory to Ms. xxxx. However, the account was closed with our office per Ms. xxxx’s
previous request that we stop contacting her. We would be happy to request verification of the account from our client. Please note that it will be
forwarded to Ms. xxxx if and when it is received from our client.

Consumer Response:





This is PER YOUR WORDS. You never stated that you closed the account for sure. Your failure to properly communicate and valid said debt, is borderline violating the FDCA in reference to contacting someone else, that doesn't owe this bill. Here is your last email in reference to MY COMPLAINT.

Our office is in receipt of the complaint filed by Ms. Lxxxxxxx. We greatly appreciate this opportunity to respond.
 
Please
be advised that we have agreed with Ms. xxxx’s request to stop
contacting her. Although she will hear nothing further from us in regard
to this matter, please note that our client believes the account is due
and we cannot control any actions they may take in regard to the
account.
 

You just told me that you closed the account out and you did NOT. Make sure that you stop twisting the words around and validate this debt. Thank you!! Otherwise, I will be forced to file a complaint with the FTC for improper billing practices, as well as lying to clients that don't exist. This is your last warning, validate the debt or we are through. You have no RIGHT by law, to continue contacting me, if I do NOT owe a bill with your company, until otherwise proven. Thank you and have a great week!!..;)


 

 

3/12/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My complaint involves an attempt to collect a debt due to mistaken identity. CCS contacted us by mail about a debt which we do not owe, requesting immediate payment for the debt. We *almost* paid it, until we looked more closely and realized it couldn't be legitimate. The letter did not describe what we should do in order to dispute the debt, so we had to do our own research to confirm it didn't belong to us. It turned out that the debt belongs to another person with the same name -- we're not sure how CCS obtained our address. The original creditor has confirmed that the debt does not belong to us. The CCS representative we spoke to on a phone call acknowledged that it was likely a case of an 'error in skip-tracing' leading to mistaken identity. This process was burdensome for us. It is unethical to put the burden on consumers who happen to have common names to do uncompensated research on behalf of CCS in order to prove their innocence. It may save on overhead to have innocent people do their work for them, but it's unprofessional. It is the responsibility of CCS, not the people it contacts at random, to verify the identity of individuals it attempts to contact about a debt. It also seems unethical to attempt to collect a debt from someone who doesn't owe the debt, without putting forth a reasonable effort to confirm the identity of the person being contacted. Suppose we had paid this debt on behalf of the other individual with the same name? We might never have known. It is likely that CCS has collected many debts from the wrong people -- they almost got money from me. If not illegal, it's certainly a contemptible practice more similar to that of scam artists than of BBB rated businesses. Awkwardly, in the process of learning about the debt we didn't owe, we were given substantial personal information about the actual debtor, including the debtor's social security number and information about their motor vehicles, in order to confirm that the debtor wasn't us. This violated the privacy of this individual whom I will probably never meet or know. That said, it also showed that something as simple as a credit report obtained with our respective social security numbers could have informed CCS that they had the wrong person. Instead of going through the trouble, they made us go through the trouble for them. As a resolution, we request that CCS provide the BBB with evidence that will be changing its skip-tracing procedures in order to prevent other easily avoidable cases of mistaken identity like this one in the future. I also request that we not be contacted further about this other individual's debt, except to apologize or otherwise respond to our complaints.

Desired Settlement: CCS imposes a company policy to verify the identities of the persons it is contacting prior to attempting to collect a debt from them. CCS ceases to use whichever database my information came out of for the purpose of "'skip-tracing" and other unreliable databases like it. CCS provides evidence to BBB that it has changed its practices.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* ******. We greatly appreciate this opportunity to respond.   Please be assured that the address was believed to belong to the person we were attempting to contact. The address was immediately removed from our records when Ms. ****** advised us the address did not belong to the person we were attempting to contact.   We trust this resolves your concerns.

Consumer Response: 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.

It neither contains (1) an apology, nor (2) any assurance that a mistake of this sort will not occur again to me or others. Because my Insurance Carrier, *********** Insurance, contracted with this collections agency to attempt to collect a debt from me which was owed by another customer, and this collections agency has not met my simple requests for (1) and (2), I am unlikely to renew my policy with *********** Insurance. Any sensible person can understand why (1) and (2) would be required to resolve my complaint: 1. This business attempted to collect a debt from me which did not belong to me. The response above does not contain an apology. It does not express regret for the mistake. That the business sincerely believed that I was the debtor is a mitigating factor, but does not negate the need for an apology for the sincere mistake, which I've not received. Suppose my friend * owes me $100, and I run into a stranger in a crowded airport who looks like *. I shout at this person and demand that they immediately pay me $100. This stranger goes out of their way to prove to me that they are are not *. What should I do when I realize my mistake? Surely I should apologize to the stranger for my poor eyesight. That would be the normal, polite, human thing to do. It simply would not do for me to say, "I sincerely believed you to be *, but rest assured that I will forget about you" and walk off on the hunt for *. To date, this business's response has more or less been this.  Why should I extend mercy and understanding to a business which unapologetically asks strangers to pay the debts of others? The very least it could do is say that it's sorry for what happened. 2. I was informed by this business that my address was obtained from a database, and my address was associated with this other individual. Since this other individual and I have the same name, but this other individual has never lived at my address, it is much more plausible that either the business obtained my address associated with my name from public records and concluded that I was identical to the other individual, or the company which provides the database used by the business made a similarly elementary error. If the business truly regretted attempting to extract from me a debt owed to another -- recall, I very nearly paid the debt! -- it would be very simple for the business to review what happened in this situation and adjust its policies to prevent a similar situation from happening again to me or other individuals who have common names. For instance, it might: - review the sources of its database information and determine where errors like this occur - obtain database information from more reputable, higher quality sources - attempt to use other easily available information to confirm that it is not a case of two people in the same state by the same name - reword the collections letters it sends out to make room for the possibility that the letter has been sent in error Many other alternatives can be envisoned -- even if it is determined that errors of this sort are inevitable in the industry. However, the business has no apparent interest in so much as reviewing the situation. This indicates to me that mix ups in names are indeed a very common error, and that the business profits off of the error. (A simple review of articles on the internet will show that this error is quite common). As such, my complaint stands: until the business takes steps to prevent errors like this in the future, my complaint has in no way been resolved.

Business Response: We regret that our previous response was not satisfactory to Ms. ******. However, as we advised previously, the person we were attempting to contact was believed to reside at the same address listed in Ms. ******’s complaint. That address was immediately removed from our records when Ms. ****** advised us that the address did not belong to the person we were attempting to contact. We trust this resolves your concerns.

Consumer Response: 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.

I regret that the business is unwilling to address my complaint. My requests are simple and reasonable. Since the business recognizes that it was acting on a false belief, it should (i) apologize for mistakenly asking me to pay someone else's debt and (ii) change its skip-tracing processes to obtain more accurate beliefs in the future. This is what it is reasonable to expect from someone who makes a mistake - that they apologize and explain how they'll be more careful in the future. Why can't the business do this? Is it really that difficult?

3/11/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On 2/20/14 at 3:15 pm I talked to Supervisor ***** ******** with this credit service and he refused to correct their illegal mistake My credit was reported illegally because I was a minor at the time of the bill and this company refused to send a letter of correction. They kept telling me that they had to contact the original bill collector (Lab corp) however Labcorp had nothing to do with sending the negative report to the credit bureau . I demanded to know when they was going to fix my credit and he hung up on me!

Desired Settlement: I want a letter of correction so I can get this fixed by the credit bureau. this is a state and federal law they have broken and they need to fix it

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

 
Please be advised that we have closed this account with our office and instructed the credit bureaus to delete the account. Please note
that we cannot control the speed in which the bureaus act upon our request and recommend giving the bureaus at least thirty (30) days to update their records.
 

We trust this resolves your concerns.



3/7/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Hello. I really need your help please! I've received a very strange mail from this company name Credit Collection Service on 02/21/14. The file number is: ***********. This company claimed that I need to pay $80.00 regarding to SunTrust Bank. And if I don't pay the $80.00 they going to report me to the consumer reporting agency on 03/23/14. So I called Credit Collection Services that same day on 02/21/14 @4:56 PM and I talk to *********** from customer service. I told *********** that I DO NOT HAVE AN ACCOUNT WITH SUNTRUST BANK AT ALL!And I refused not to pay this bill at all. I'm also going to send them a letter by (Certified Mail) regarding to this. Because this situation is very ridiculous to me! So I decided to file a complaint against Credit Collection Service to resolve this matter! Please Note: Credit Collection Services have two different address they are P.O. Box **** ******* *******, MA **********;*** ***** Avenue, ******, MA *****. Website:www.WarningNotice.com This company is trying to scam!

Desired Settlement: For this collection agency to please stop bothering me with this $80.00 so-call bill regarding to SunTrust Bank! Because I don't know this collection agency and neither SunTrust Bank! This collection agency to stop scaring me stated that they going put negative credit reporting to the consumer reporting agency. They need to be very careful how they approaching me with this whole situation! Because they're really embarrassing their reputation. And that's not good at all!

Business Response: Our office is in receipt of the complaint filed by Ms. ***** ********. We greatly appreciate this opportunity to respond.   Please be advised that Ms. ******** was believed to be the person we were attempting to contact. Please note that we previously received correspondence from Ms. ******** and closed the account at that time. Ms. ******** will not hear anything further from us in regard to this matter. We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

3/7/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In January of 2013 I canceled my car and homeowners insurance policy with Allied insurance as I had procured new insurance. Allied sent me a letter stating my homeowners policy was canceled effective 2/1/13 and my car effective 2/20/13. I expected to get a bill for ten days of pro-rated insurance for my auto insurance as there was ten days overlap from the policy dates. We normally paid our policy for the month at the beginning of the month and the policy went from April 10,2012 to April 10, 2013 for the auto, my last payment was on January 7th for 371.84, if it was cancelled from 20th as they stated why would we owe $600 for ten days when it was normally $371 for 30 days? The homeowners was canceled one day before the payment would've been due since that policy was due on the 2nd so we should have owed nothing on this. When I originally called Allied for an explanation they could not figure it out and were scrambling to explain. They requested to call me back with explanation of charges, we played phone tag and I requested a written explanation of charges. I only ever received a bill with the total but no explanation of what it was for. They then turned us into collections with CCS, I received a statement from them without explanation of charges so I sent a letter on June 13th disputing the charge in detail as stated above with more information and with a copy of the letter from Allied showing when it was canceled, I again requested a detailed statement so I could understand what the charges could possibly be for. I still got no statement but instead further collection calls and notices from CCS. I spoke with them by phone at least three times requesting documentation as to what I owed for, nobody could explain it to me still. The calls that I documented to CCS are on July 11th I called requesting a itemized statement and they informed me they had received my letter but would not do an itemized statement unless I also provided a copy of my new insurance policy showing when it started. I complied with this by faxing a declaration of insurance as requested to the fax number they provided with the file number they provided. I still received nothing but further calls and letters. On August 26th I spoke with a CCS representative again and requested a itemized statement and wanted to make sure this had not been reported on my credit as I disputed it within the thirty days of it being turned into collections, she assured me it was not reported on my credit. I still did not receive a itemized statement. I spoke with one other person a month or so after but did not document this call as it seemed pointless, I explained I just wanted to know specifically what the charges were for and she said if I couldn't understand it she couldn't help me but she never explained anything to understand! She also stated that she would request a itemized statement. I still have not received anything besides more calls and the same generic collection letter.

Desired Settlement: I do not believe I should owe this amount as explained above. I did expect a pro-rated amount due as stated for ten days of car insurance but it should be a pro-rated amount of 371.84, so around 120 dollars. I have documentation of all the things I explained above and if they think I owe more they are responsible to provide me in writing why that is. I should get a itemized statement and not a guess at why I owe that. In summary the desired outcome is a reduced bill, itemized statement of charges and if this is on my credit repair of that.

Business Response: Our office is in receipt of the complaint filed by Ms. **** ****** ******. We greatly appreciate this opportunity to respond.   Please be advised that Ms. ******’s concerns do not appear to be with CCS’ handling of the account. Instead, she appears to dispute that a balance is due. Accordingly, we have forwarded a copy of this complaint to our client to review. Please note that our client believes the account is due and we cannot control any actions they may take in regard to it.   We trust this resolves your concerns.

Consumer Response: 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.

My complaint is not just disputing that I owe a amount it is also that this company told me on more than one occasion that they would get me a detailed statement of what I owed for. This was never done even though I sent them the documents that they requested in order to get a detailed statement. If they do not have the capability of getting this statement they should tell me that and not just continue to send me notices and make calls to me regarding this bill. I fully informed them I needed to know what it was for before I could pay it, if they cannot tell me this why would they keep insisting I owe it?

Business Response: We regret that our previous response was not satisfactory to Ms. ******. That being said, we did send her verification of the account previously. However, as we previously advised, a copy of the complaint was forwarded to our client to review. We have also closed this account with our office, so Ms. ****** will not hear anything further from us in regard to this matter. We trust this resolves your concerns.

3/7/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I received a "Settlement Notice" From this company and I have never dealt with them before. They claim that I owe them money?

Desired Settlement: I would like this company to provide informaiton proving that this is my debt. From what I understand Geico is an insurance company whom I have never had any dealings with. I have attempted to contact the number on the letter but was not able to speak with anyone.

Business Response: Our office is in receipt of the complaint filed by Ms. *** *******. We greatly appreciate this opportunity to respond. Please be advised that we have removed Ms. *******’ address from our records. Please be assured that the address was believed to belong to the person we were attempting to contact and Ms. ******* will not hear anything further from us in regard to this matter. We trust this resolves your concerns.

3/7/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I made a verbal agreement with CSS Collections in October 2013 to pay off a balance owed to Comcast cable Company. The agreement was to pay ($15.00)a month. On a balance of ($166.08)payments were to begin in October 22nd 2013. The first payment of ($15.00) was made and applied to my account by CCS Collection Services. The next payment was made late on November 29th 2013 again for the agreed amount of ($15.00) which was accepted and applied to my account. In December just prior to making the agreed amount of ($15.00) I got a phone call tell me that the agreement that was made in October should have not been made and that I had to pay minimum amount of ($25.00) I said ok I will send the required amount of ($25.00). I said you are breaking Federal as well as state law by doing this. She got angry and so did I to which I hung up the phone. I mean m friend ******* ********** was kind enough to help me get television service thru Comcast. My friend ******* is disabled, my friend ******* is the one who made the agreement with CCS collections. He told them he was disabled and if they would ($15.00) would be good enough, now CCS has reported to Equifax negative information on my friends credit report. My friend ******* is in the process of trying to get a home modification on the property he owns and lives in. Now there is a good chance that he will get turned down for the HAMP government program. MY friend did me a great favor neither he nor I got any notice except the very first notice where by ($15.00) is due by the 18th of October 2013,and then again in November that another payment of ($15.00) is due. In December right around the 2nd or the 5th is when I got the call, after that no further communication was gotten by my friend ******* regarding any payments to be made or that CCS Collections Company was going to report anything to the credit bureau. Now I am no dummy but I do believe that some laws were broken by CCS collection co. either State law or Federal Law.

Desired Settlement: should my friend ******* lose his home off eleven (11) years I believe that CCS Collections Company and the company they represent should pay for my friends home in the event he loses his home. He is due for review with his mortgage company on Thursday the 20th of February 2014 at 12:30pm. The only fair thing I see happening is CCS Collections service/company and Comcast Cable Company pay for my friends home in full . He and I did everything the right way. CCS and Comcast pay for his home

Business Response: Our office is in receipt of the complaint filed by Mr. ******* **********. We greatly appreciate this opportunity to respond.   Please be advised that we have thoroughly reviewed the concerns of Mr. ********** and determined there was no wrongdoing by CCS. Mr. ********** had agreed to make monthly payments with our office, but only made two months worth of payments. Since Mr. ********** stopped paying the agreed upon amount, the account was reported to the credit bureaus. When the full balance was finally paid, the credit bureaus were instructed to update the account as paid in full. Although we have no legal obligation to delete the account from the credit bureaus (only update it as paid), please be advised that we have requested that the credit bureaus delete the account. Please note that we cannot control the speed in which the credit bureaus act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records.   We trust this resolves your concerns.

3/4/2014 Problems with Product/Service | Read Complaint Details
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Complaint: On 01/24/14 i received a call CCS stating i owe them $64 for a bill that was due from Suntrust Bank. The sales rep didn't want to give his name, I told him that i never had an account with Sunrust Bank and i never had banked with them before. He told me dont try to lie with me and said are you going to pay this bill today or not. I told him that i never got any letters from CCS staing that i owe them anything. Then I asked could i see a validation on this debt like a contract that stating that i banked with Suntrust. He yelled and said I don't have to show you a god damn thing. I told him never to call my number again and everything has to be in writing I also said i would report them to the BBB if they didn't listen. They still call my number at least 4-5 times a day leaving very rude messages on the answering machine. I really don't appreciate this because i have my little kids in the house and they can hear the rude messages they leave. Just recently i check my Experian credit report to see if they were reporting this debt that's not mine, and sure enough they put this negative listing on there it dropped my score -30points.

Desired Settlement: Charge / debt removed from all 3 Credit Reporting Agencies Experian Trans Union and Equifax, ASAP. Thank you!

Business Response: Our office is in receipt of the complaint filed by Ms. ******* ******. We greatly appreciate this opportunity to respond.   Contrary to Ms. ******’s assertion, we did not call her on 1/24/2014 or make any other calls to her in the past ten months. Further, we never left any messages on her answering machine. Perhaps she is confusing calls from companies with similar names with our office. That being said, we have closed this account with our office and instructed the credit bureaus to delete the account. Please note that we cannot control the speed in which the credit bureaus act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records.   We trust this resolves your concerns.

3/3/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I received a letter from Credit Collection Services stating that I owe $289.01 to AT&T. This is completely inaccurate and I have verified the inaccuracy via my account on AT&T's website as well as speaking directly with AT&T's customer service department by phone. I immediately doubted the accuracy of the letter from Credit Collection Services since I have autopay on my AT&T account and also recently received an email from AT&T stating that my bill was paid in full via the autopay system. I also noticed that the letter from Credit Collection Services listed an inaccurate middle initial. I went to the Credit Collection Services website (warning notice.com) and put in the reference number identified on the letter they sent me. This brought up an account on their website that showed the alleged debtor having the same first and last name as me but with the differing middle initial. It also gave his address as completely different from mine (including different city). The letter from Credit Collection Services states "unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid". I can only assume that this company sends these threatening letters to several people knowing that they are inaccurate but hoping to snag a small percentage of people that will pay them without question. There are most likely several people with my same first and last name that have received the same letter from Credit Collection Services demanding money. What they are doing is completely unethical and predatory. I read on BBB's website a complaint almost completely identical to mine from a few days ago. The response from Credit Collection Services was "Please be assured that Ms. ******* was believed to be the person we were attempting to contact." To be blunt, I think that is a lie and that this company is intentionally trying to scam money from people. I would also like to point out that this company has had 429 (now 430) complaints filed against them in the past 3 years.

Desired Settlement: My primary desired outcome is that this company immediately remove me from their list of alleged "debtors" and never contact me again about inaccurate charges. If the BBB would like to keep it's integrity, it will also revoke any and all endorsements of Credit Collection Services.

Business Response: Our office is in receipt of the complaint filed by Mr. ******** *****. We greatly appreciate this opportunity to respond.   Please be assured that Mr. ***** was believed to be the person we were attempting to contact, and we immediately removed his address from our records on 2/12/2014 when he called us and advised he was not the person we were attempting to contact. Mr. ***** will not hear anything further from us in regard to this matter.   We trust this resolves your concerns.

3/1/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I paid the CC Services for an outstanding bill: $27.63 over the phone with a credit card. They charged an additional service fee of $9.95 to process the credit card. I expected a receipt for the processing fee of $9.95. The supervisor at this company says they do not provide a receipt for the $9.95 credit card transaction. That is unacceptable to not receive a receipt for services that were paid for: $9.95 To contact CCS-USA, which claims to be a BBB accredited business. *********** My file number: ** **** ***** I paid the balance on Jan 3, 2013.

Desired Settlement: Since I paid in full this total of $27.63 + the $9.95 service fee, I would like for this company to provide to me a receipt for the additional amount of $9.95 for the credit card processing fee. The company has failed to provide an itemized billing for the $27.63 + $9.95 amount total. I would like for this company to provide this to me. please email to: **********@gmail.com

Business Response: Our office is in receipt of the complaint filed by Mr. **** ******. We greatly appreciate this opportunity to respond.   Mr. ****** requests that we provide him with a receipt. Please be advised that we have uploaded the receipt as requested to the BBB’s complaint portal for Mr. ****** to download.   We trust this resolves your concerns.

2/26/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: They call my number at least every other day multiple times a day. When I don't pick up they always leave a blank voicemail. When I do pick up I always get a voice that says hello but then makes no other contact and then the line goes silent until I decide to hang up from being unanswered. I call the number back and Ii identifies itself as CCS and I have done research and found out this I a collection agency. I was not aware that I owe any company any money but still the way they call but don't actually communicate to resolve any issue or business they believe they have with me is border line harassment and id like the calls to either stop or for them to make the proper contact with me and tell me what it is that they want so they can stop calling me so much. I am on the do not call list. Any help with this issue would be much appreciated!

Desired Settlement: STOP CONTACTING ME!!!!!!!

Business Response: Our office is in receipt of the complaint filed by Ms. ******** ******. We greatly appreciate this opportunity to respond.   Please be advised that we have agreed with Ms. ******’ request to stop contacting her. Her phone number has been removed from our records and she will hear nothing further from us in regard to this matter.   We trust this resolves your concerns.

Consumer Response: 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 . I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

2/24/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: rec'd a bill from this company that i owe $336.51 to wells fargo bank. this is a debt that was erased in bankruptcy and they should not be coming after me. i want this corrected immediately and taken off my credit report. i do not owe this.

Desired Settlement: and fix this immediately

Business Response: Our office is in receipt of the complaint filed by Ms. **** *****. We greatly appreciate this opportunity to respond.   Please be advised that we have agreed with Ms. *****’s request to stop contacting her. She will not hear anything further from us in regard to this matter. Further, please be assured that we did not send this account to any credit bureau.   Also, if Ms. ***** could please provide more information about her bankruptcy filing we would appreciate it. Specifically, the chapter filed, the docket number, and the date filed.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

2/24/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: collection agency keeps calling. doesnt process my faxes, they threaten to mark my credit. i asked them for an business email aaddress, they said they dont give out their emails. i think if someone has my personal cell phone they should give me their email to resolve an outstanding issue.

Desired Settlement: i want them to stop calling me and fix they issue. we've faxed my insurance policy to them 3 times. liberty mutual never shut off my insurance after they were notified i changed insurance companies. i believe this is an ongoing issue with them.

Business Response: Our office is in receipt of the complaint filed by Mr. ***** *******. We greatly appreciate this opportunity to respond.   Please be advised that we have agreed with Mr. *******’s request to stop contacting him. Please also note that we previously received documentation from Mr. *******, which was forwarded to our client to determine if an adjustment is due.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

2/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has charged more than they quoted. I gave them authorization to charge my account the amount due. They charged 9 dollars more than they said. I have come to expect poor customer service from a collection agency, but this if flat out theft.

Desired Settlement: A check for the amount that they over chaged.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** ******. We greatly appreciate this opportunity to respond.   Please be advised that we previously spoke with Mr. ****** and reviewed his concerns at that time. We have already processed his refund check for $9.95 and it will be sent to him shortly.   We trust this resolves your concerns.

2/23/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I have been contacted by mail from this company, credit collection services, whose number is listed as **********. When you call them they have all of your information even your current address but when I speak with the legit company Comcast who was supposedly the company who sent me to them I have a zero balance through their precollection services. The credit collection service only has listed the almost $400 requested payment is due for services that I never received.I have requested a detailed debt verification.I am also reporting them to credit agencies because I believe this is a scam. When they call you no one says a word or leaves a message and if this was a real attempt to collect a debt they would have to do one of the two.They could never find my file number by entering on my phone keypad or by entering it on their website, they request you call personal assistance at the number listed above.

Desired Settlement: Please help me to stop them from trying to ruin my credit. I am not sure if you can do that but this has never happened to me personally. It has happened to my workplace from a company who claimed they were a part of the yellow pages.

Business Response: Our office is in receipt of the complaint filed by Mr. **** ********. We greatly appreciate this opportunity to respond.   Please be advised that Mr. ******** is believed to be the person we were attempting to contact. That being said, we have closed this account with our office and Mr. ******** will not hear anything further from us in regard to it. However, please note that our client believes the account is due and we cannot control any actions they may take in regard to it.   We trust this resolves your concerns.

2/19/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I received a collection notice from CCS dated 1/27/2014 which refers to collection related to Time Warner Cable. The notice refers to the website warningnotice.com for paying off the collection. I was a customer of Time Warner Cable back in 2007. I contacted Time Warner ask them to check their records to see if there was any collection against my account and they said they had no record of a collection. The notice from CCS refers to equipment value of $77. I can only imagine that this refers to a cable box. I know that all equipment was returned to Time Warner when I closed my account with them. Here are more details from the notice: Credit Collection Services *** ***** Avenue, ******, MA ***** Direct Line: 1 (***) ******* (Personal Assistance) Self Service: www.warningnotice.com (Payment Processing) Date: 1/27/2014 File Number: ** **** ***** **************** Service Amount: $22.13 Collection Fee: $17.00 * Equipment Value: $77.00 Amount Due: $39.13 Mail check to: TIME WARNER CABLE PAYMENT PROCESSING CENTER - ** P.O. Box ***** ******, MA **********

Desired Settlement: As far I can tell, the collection notice is invalid. I would like confirmation from CCS that this true. Perhaps this notice did not actually come from CCS and instead was made to look like it a did, a scam of some kind. If CCS asserts that the collection is valid, I would like more information about the nature of the collection in relation to Time Warner Cable.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** ********. We greatly appreciate this opportunity to respond.   Please be advised that Mr. ******** was believed to be the person we were attempting to contact. That being said, we have removed his contact information from our records and he will hear nothing further from us in regard to this matter.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

My expectation is that the CCS compnay will not contact me further about the invalid collection and that CCS will not attempt to put anything on my credit report in relation to this invalid collection.

2/18/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company mailed me a letter with the BBB logo on it stating I owe them money($89.66) for a one month bill for progressive insurance that I have never had. I called Progressive and they do not have any records on me at all. This company is bogus. They are trying to scam honest citizens out of money for debts that do not exist.

Desired Settlement: STOP CONTACTING ME AND TAKE ME OFF YOUR LIST AS A DEBTOR

Business Response: Our office is in receipt of the complaint filed by Ms. ****** *****. We greatly appreciate this opportunity to respond.   Please be advised that we have agreed with Ms. *****’ request to stop contacting her. Also, please be assured that Ms. ***** was believed to be the person we were attempting to contact, but she will hear nothing further from us in regard to this matter.   We trust this resolves your concerns.

2/12/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: over on year ago I was stopped and waiting at a red light when a client of ******* **** insurance hit me from behind, no one including her insurance company has denied any but their client being at total fault. Even though we thought we had three days left, our car insurance was canceled. So we found out through ******* **** we cannot receive our **** **** and they will not pay any medical bills, because of the no-fault state we live in-Michigan. Even though it doesn't seem right we excepted that and moved on, and then around 14 months latter we get a bill from a collection agency (Credit collection services) for $30,926, for the person who hit us damages. After talking to them we called a law office and was given advice over the phone and was told it is illegal for them to do this and to contact you guys. Please call if I am not making things clear, I know sometimes I can over explain things. thank you very much for any help you can give me. ******** ******

Desired Settlement: For credit service to cancel any claim against me and to have this recorded with the Better Business Bureau. thank you very much

Business Response: Our office is in receipt of the complaint filed by Mr. ******** ******. We greatly appreciate this opportunity to respond.   Please be advised that we have reviewed Mr. ******’s complaint with our client and they have instructed us to close our file on the matter. They have also advised us that they are closing their file on the matter as well.   We trust this resolves your concerns.

Consumer Response: Thank you BBB for all you help in this matter, am satisfied with results and appreciate you guys being there for us. 

2/5/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am lodging a formal complaint against credit collection services. This debt collection company has violated the FDCPA/FCRA. On January 13, 2014 I recieved my first notice from this company claiming I owe 265.29 to *********** *********, which I have no recognition of this debt. The notice that this company sent me has credit reporting alert written all over the sides of the paper. In addition the company states on the notice and I quote ' the above referenced amount remains unpaid. As a result, your account was reported to a credit bureau(s) and now displays a seriously delinquent payment obligation' Credit collection services has violated the FDCPA, 15 usc 1692g sec 809(a)/FCRA 15 usc 1681s-2 sec 623(a)(7). These violations carry up to $1000 fine per violation.As I've stated this is my first notice from this company. For your records the file number is ***********. Thank you for your time!

Desired Settlement: Credit collection services send me a check for $1000 in exchange I will not sue them for the 2 violations of the FDCPA/FCRA!

Business Response: Our office is in receipt of the complaint filed by *** ******** *****. We greatly appreciate this opportunity to respond.
 
As a preliminary matter, this account has been closed with our office and the credit bureaus have been instructed to delete the account. Please note that we cannot control the speed in which the credit bureaus act upon our request and we recommend giving the bureaus at least thirty (30) days to update their records.
 
Please be advised that we have thoroughly reviewed *** ******* concerns and determined there was no wrongdoing by CCS. Contrary to his assertion, the letter we sent him was not the very first letter that we sent. On 8/12/2011, we sent *** ***** a letter that contained his verification rights under the FDCPA. He was also sent several other letters too. Please note that all letters were sent to the same address listed in his complaint and we have no reason to believe he did not receive the letters as none of them were returned by the post office as undeliverable. Accordingly, we respectfully deny his request for payment.
 
We trust this resolves your concerns.

Consumer Response:

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. 

 

 

Business Response: We regret that our previous response was not satisfactory to *** *****; however, he has not provided a reason why our previous response did not satisfy his concerns. That being said, as we previously advised, the account has been closed with our office and the credit bureaus were instructed to delete the account.

2/3/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: This company calls repeatedly, never leaves messages or identifies themselves. The number on the caller ID is the only identification. I sent a letter requesting that they correspond with me in writing only. They have ignored my request & now I'm sending second written notice and reporting them to FTC & VA State Attorney General consumer complaints.

Desired Settlement: Stop calling me. If you have something to say put it in writing.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* *****. We greatly appreciate this opportunity to respond.   As a preliminary matter, please be advised that we have agreed with Ms. *****’s request to stop contacting her. She will hear nothing further from us in regard to this matter. However, please note that our client believes the account is due and we cannot control any actions they may take in regard to the matter.   Contrary to Ms. *****’s concerns, we have not received any correspondence from her. If she could please provide a copy of the letter and a signed postal card showing receipt, we would be happy to investigate this further. Also contrary to her assertion that we have not left messages, we did leave a couple messages for her.   We trust this resolves your concerns.

2/3/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: See the payments and checks that were mailed to you and cashed by your company. Make sure this is corrected on my spouse credit report, if not I will contact my attorney again, for further action against you and Labcorp, of where these payments are gone.

Desired Settlement: I need a letter of apology from Credit Collections Corp in regards to this mess on my husband credit report immediately, I only have $41.00 balance on this account. My Attorney is awaiting for this letter of apology and clearance from the credit bureau

Business Response: Our office is in receipt of the complaint filed by Mr. ***** ********. We greatly appreciate this opportunity to respond.   Please be advised that we have no record of any payments from Mr. ********. If Mr. ******** could please send us a copy of the cancelled checks (front and back) showing payments were cashed by CCS, we would be happy to investigate his concerns further. Please also be assured that we did not send this account to any credit bureau.   We trust this resolves your concerns.

Consumer Response: 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.

See Attached

Business Response: We would like to thank Mr. ***** for providing additional information. The documentation that he provided has been forwarded to our client to determine if an adjustment is due. Please note that we cannot control any actions our client may take in regard to the account. However, Mr. ***** will not hear anything further from us in regard to this matter. We trust this resolves your concerns.

2/3/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: This collection agency is trying to collect a debt that is not mine for At&T. I do not have A T & T . I have no home phone & I have been with ** ******** for over 15 years .

Desired Settlement: Stop them from trying to get money from me that I do not owe.

Business Response: Our office is in receipt of the complaint filed by Ms. ****** *******. We greatly appreciate this opportunity to respond.   Please be assured that Ms. ******* was believed to be the person we were attempting to contact. That being said, we have closed this account with our office and forwarded a copy of the complaint to our client to review.   We trust this resolves your concerns.

2/1/2014 Problems with Product/Service | Read Complaint Details
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Complaint: This company has failed to provide signed contracts where I owe them any monies.

Desired Settlement: Delete derogatory credit from all credit reporting agencies ASAP.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** ******. We greatly appreciate this opportunity to respond.
 
As a preliminary matter, please be advised that we sent Mr. ****** a letter in September 2013 that advised him of his validation rights; however, this complaint is the very first instance in which Mr. ****** has requested verification of the account. That being said, we have closed this account with our office and Mr. ****** will hear nothing further from us in regard to this matter. Further, the credit bureaus have been instructed to delete the account. Please note that we cannot control the speed in which the credit bureaus act upon our request and we recommend giving the credit bureaus at least thirty (30) days to update their records.  We trust this resolves your concerns.

1/31/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Credit Collection Services refused to provide to me a recite after I paid them. After I gave them my personal checking account information and they took my payment I ask for an email conformation or a conformation number. I was told by their represenitives that I would receive one in the regular mail after 18 days. I have contacted the BBB, consumer affairs, and the attorney general office with assistance in this matter. I have filed complaints in all three offices. Also, it appears from the vas number of complaints that each office has on CCS that legal action needs to be taken. It is illegal to withhold a recite for payment when a you settle an account!

Desired Settlement: This company to be prosecuted for fraudulent acts against hard working people.

Business Response: Our office is in receipt of the complaint filed by *** *******. We greatly appreciate this opportunity to respond.   Please be advised that we are unable to investigate the concerns of the consumer with the information provided in the complaint. If the consumer could please provide us with additional information to locate the account, we would appreciate it. Specifically, please provide us a copy of correspondence received from CCS with a file number listed, or a copy of the cancelled check evidencing the payment. We trust this resolves your concerns.

Consumer Response: 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.    

Business Response: We regret that our previous response was not satisfactory to the consumer. However, the consumer has not provided us with any additional information as to why our response did not resolve their concerns. Further, as we previously advised, there was not sufficient information included with the complaint to locate the account in question. If the consumer could please provide the information requested in our previous response, we would be happy to locate the account in question and investigate the consumer’s concerns.

1/27/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: My situation began on November 18 when I was called by a Kohls representative stating that I owed 18.38 but since I was making a on phone payment I was charged an additional 10.00 so I agreed. Paid the amount ,later another account has been delinquent under my name and that my address was a *** ***** residence, I have been a long term resident of only one household. Therefore I never did receive that statement that they claim they sent. That bill is in the amount of 258.48 account #ending****, I need help clarifying this issue. I feel that they are trying to take advantage of me and my age.

Desired Settlement: Just need help trying to clarify my situation, I have good credit and would like to conserve my outstanding status.

Business Response: Our office is in receipt of the complaint filed by Ms. ****** ******. We greatly appreciate this opportunity to respond.   Ms. ******’s concerns do not appear to be with CCS’ handling of the account, but she instead questions the amount due to our client. Please be advised that our client placed this account with our office on 11/9/13 with a balance of $258.42, and shortly thereafter, our client advised us of the two payments totaling $28.38 that Ms. ****** paid directly to Kohl’s. Please note that we previously requested verification of the account from our client after speaking to Ms. ******, and we will send it to her upon receipt.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

1/24/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I called this so-called professional collection agency and was told that this bill was for discounts for my policy being cancelled. Prior to giving out information, this company needs to give out CORRECT information. After speaking with Travelers, I learned that this was for 2 bills as they never received my request to cancel. So CCS gave incorrect information. I OWE NOTHING! They need to leave me alone now.

Desired Settlement: If there is any reference to this on my credit report, it needs to be removed IMMEDIATELY!

Business Response: Our office is in receipt of the complaint filed by Ms. ********* *****. We greatly appreciate this opportunity to respond.
 
Please be assured that contrary to her assertion, we did not give her incorrect information about the account. That being said, we have agreed with her request to stop contacting her. Although she will hear nothing further from us, please note that we cannot control any actions our client may take in regard to this matter. Further, we did not send this account to any credit bureau.   We trust this resolves your concerns.

Consumer Response: 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.

This business is not going to call me a liar.  Their representative said this bill was for unearned discounts for cancelling this policy.  I am sure that they record their conversations.  Maybe they need to listen to it.  And as far as their statement about their client pursuing me for money, their client is the one that said I did not owe this money as they corrected their records.  Nice try...

Business Response: We regret that our previous response was not satisfactory to Ms. *****. Please note that when a policy is cancelled, an insurance company will adjust the balance due for insurance provided from the date of last payment until the cancellation date. The revised balance could include any appropriate adjustments to discounts provided. As we advised previously, this account has been closed with our office and Ms. ***** will not hear anything further from us in regard to it. We trust this resolves your concerns.

Consumer Response: 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.

I m not sure where this business' response is coming from because I have spoken with the insurance company and this bill did not result from the information that they are trying to feed me.  They need to stop lying to people.  People are NOT stupid and we will find out that this company was trying to be deceptive by lying.  I do not have time for liars and Travelers has been told about their collection agency's practice.  No where...NO WHERE...does Travelers say that they are trying to get money back for a cancelled policy's discounts.  This collection agency records conversations I am certain. Maybe they need to listen to what their lying representative said.  Maybe I need to report them to the state attorney general's office for lying to try to get money out of me.  I am glad that I am smart enough to not fall for the lies.  Nice try...FAIL.

1/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This agency withdrew two amounts from my bank account on November 27, 2013. The amount authorized was $14.23. The unauthorized amount was $69.04 The $69.04 was an amount i told them i could not afford--they then offered a smaller amount of $14.23. They proce4eded to take both amounts out, a total of $83.27. I didn't discover this for a few days, and when I did, they agreed to refund the $69.04 to me.Since the withdrawal was made on 11/27, I expected the refund today, 12/27. EVERY time I call them, i get a different answer. On December 3 or 4, my bank, at my request, faxed a copy of the voucher from my account to them. I called to verify that it had been received, and was told that my refund was already being processed, and I should have the money on December 11. It didn't come on December 11. I called them again, and was told a)they NEVER give out information such as i was given, b) they didn't have any record of the fax being received, and c) it would take up to 30 days to received the refund. A week ago today, I believe, I was told that the refund would take the form of a credit to my checking account, and would happen "on or after December 29." Seeing that this would be giving them huge leeway in repaying this money, I asked. I was assured it would be refunded "very shortly after December 29." I called them today when i received a notice of deduction from my account for the December payment and I wanted to make sure they had deducted the correct amount. They did. I also asked to verify that the payment from last month would be refunded to my account on Monday. After a hold of over five minutes (during which I hung up), I got a call back saying that a check had been sent on December 11 for the $69.04. To, that specific wording meant they had mailed a check. I related to them what i had been told about this refund would NOT be in form of a check, i was told that they said nothing about mailing the refund... Now they are telling me it could be January 11 before the refund is made. I am really tired of getting different information each time i call to ask a question, and am being told I am wrong, they wouldn't give information such as i have been given. Because of THEIR mistake on November, I was not able to pay all of my rent on December 1. I need this money to pay bills, not to use for frivolous spending. I also had told them I expected, that since this was THEIR mistake, the reimbursement of money i had to pay this month for a late fee for December's rent. I don't think they were very impressed at this statement.

Desired Settlement: I expect $69.04 for the amount they wrongly took out, plus the $20 for the late fee I had to pay because of THEIR mistake. And I expect that money early in the week of December 9,2013.

Business Response: Our office is in receipt of the complaint filed by Ms. **** ******. We greatly appreciate this opportunity to respond.
 
Please be advised that a refund check has been sent to Ms. ******. If she still has not received with the next seven (7) days, then we would please ask Ms. ****** to contact us. Please note that we would be happy to review whether Ms. ****** is due a refund for overdraft fees she incurred if she could please send us a copy of her bank statement evidencing the fee. Ms. ****** can upload the documents to the BBB’s complaint portal or mail them to CCS, Attn: **** ********, * ***** Ave, ****** MA *****.  We trust this resolves your concerns.

Consumer Response: 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.

I did not have any overdraft fees. I had to pay my rent late, and incurred a late fee of $20 when i paid it on January 2, 2014. Please let me know if you need anything else from me.    

Business Response: If Ms. ****** could please provide evidence that she paid a late fee, i.e. copy of a letter on letterhead from her rental company evidencing the fee, then we would be happy to review whether she is due a refund for late fees she incurred.

Consumer Response: 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 . I understand that by choosing to accept the business response that my complaint will be closed as resolved.

I have a letter from my building manager attesting to the late fee being charged and paid. i am calling you to get information on forwarding it to you.





1/22/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: this company has continued to call my dad's house where I am no longer at. and my dad and I are getting sick of it. they wont say what it is about, they wont leave a detailed message, and the really need to stop calling here. I call back and they are very rude. and I don't know why the just don't send out a letter or email about what this is regarding. it is obviously a collection agency, but what are they collecting for I would love to know. and since they are rude, I don't want them to call or I don't want to call them.

Desired Settlement: i want them to loose my dad's number *************), and i want a email preferably, letter would be ok as well I guess, explaining what this is all about. and stop all the calls to a place where i don't even stay anymore.

Business Response: Our office is in receipt of the complaint filed by Ms. *** ******. We greatly appreciate this opportunity to respond.   The phone number we were calling was believed to belong to Ms. ******, and we previously removed it from our records when we spoke to someone who advised us the phone number did not belong to Ms. ******. We have also closed this account with our office, so Ms. ****** will not hear anything further from us in regard to the matter.   Please note that we did previously send correspondence to Ms. ****** advising her that a balance was due to ***** ********* Company. The letter was not returned by the post office. The insurance policy with our client cancelled on 8/22/13 for non-payment. When the policy cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation date.   We trust this resolves your concerns.   

Consumer Response: 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. I am rejecting one part of it, unless they are just saying they are going to stop calling then I reject all of it. but I never got a letter from them or from ***** about any balance still due on that account. so I have no clue how this could have gone to collections when I had no Idea that it was out there. so if they could send me some information on this that would be great  

Business Response: We regret that our previous response was not satisfactory to Ms. ******. However, as we previously advised, she was sent correspondence in relation to the account. She asks for some information on this, but it is unclear what sort of information would satisfy her concerns in regard to this matter. That being said, Ms. ****** indicates, her concerns would be resolved if we stop calling her about the account. As we advised in our previous response, this account was previously closed with our office and Ms. ****** will not hear anything further from us in regard to it. We trust this resolves your concerns.

Consumer Response: 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.  I am not satisfied with there answer, as am glad the phone calls have stopped, the said that this was in the behalf of ***** insurance. well what about *****? why have I never heard about it till the initial response to this? and why cant they send something either by mail or email explaining what ***** wants? all am asking, don't think it is that hard please let me know thanks.    

1/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a notice from Credit Collection Services stating that I was involved in a motor vehicle accident, and that I owed $1000 for damages I caused. I then contacted them to see what was going on, knowing that I was not involved in any traffic accidents, my fear was that someone had stolen my identity. Upon talking to their representative, I was told that My vehicle a 1995 ****** ***** was involved in an accident on **** ***** St in ******** **** on 07/09/13. I advised her that I had never owned a ****** and that I was at work on the date of the crash. She wanted me to mail her or fax my personal info and some *** vehicle history report. I then asked her for the report # and advised her I would get back with her, she told me I had better hurry because she was going to have my drivers license suspended. I called the ******** Police Department and they could not give me any info over the phone. The next morning I drove over 100 miles round trip, to obtain a copy of the crash report. Upon paying a fee I was given a copy of the report. While examining the report I found that while the subject had the same name as me he was 20 years younger and resided at an address 40 miles away from mine. The next time they called I advised them of my findings and asked that they stop calling me and clogging up my mailbox with collection notices. They have continued to hound me, both by phone and by mail. I refuse to send them any info and feel they should reimburse me for my gas money and the parking fee, along with the fee I paid for the report. This company is very shady in there practices, and obviously have no clue who they are looking for, much less where they live. They make their money by bullying people and hope that even if it isn't the right person, they will pay out of fear. Please help me stop this harassment!

Desired Settlement: I want them to stop calling and mailing me bills that are not for me. Or, I would like them to pay me for the money their mistake has cost me.

Business Response: Our office is in receipt of the complaint filed by Mr. ***** ****. We greatly appreciate this opportunity to respond. Please be assured that Mr. **** was believed to be the person we were attempting to contact. We have agreed with his request to stop contacting him and he will hear nothing further from us in regard to this matter. We trust this resolves your concerns.

Consumer Response: 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.

1/21/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: The company has sent multiple mailings alleging collection of a non-existing debt. The company failed to (i) stop mailings or (ii) apologize for erroneous mailings and continues sending its mail. Since adequate notice has been given to the company, its continued mailings constitue fraud.

Desired Settlement: The company must (i) issue an apology, (ii) provide assurance that it corrected its business practices to prevent similar fraud in the future, and (iii) fully cooperate with the regulatory agency in New York State investigating its illegal practcies. Thank you for assistance in this matter!

Business Response:   Mr. ********** concern is that we were contacting him regarding an account that he believes he does not owe. Please be advised that our client sent this account to our office with Mr. ******** as the person responsible for the balance. The account in question revolves around a homeowner’s policy with ******* ****** that cancelled for non-payment on 10/6/2013. When the policy cancelled there was still a balance due for insurance provided from the date of last payment until the policy cancelled.   Please note that this complaint is the very first instance in which Mr. ******** has requested that we stop contacting him in regard to this matter. Accordingly, we have closed this account with our office and Mr. ******** will hear nothing further from us in regard to this matter. Please note that our client believes the account is due and we cannot control any actions they may take in regard to the matter.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

1/20/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: This company continues to call me and send collection notices even after I told them that the information they had was incorrect and that my account with Esurance was paid in full. They initially said ok and that they would verify with Esurance and the calls would stop but they have not and now they have sent me collection notices and placed this collection on my credit report. I have a paid in full receipt from Esurance to prove my case but it is the collection agency's responsibility to do their homework before they start harassing people. I owe nothing to Esurance nor to this collection agency. I would like for them to stop the calls and demands for payments and to remove this collection from my credit report immediately.****** ******

Desired Settlement: Please stop the demand notices and phone calls and remove this collection from my credit report.******

Business Response: Our office is in receipt of the complaint filed by Ms. ****** ******. We greatly appreciate this opportunity to respond.
 
Ms. ****** is concerned that we have been contacting her for an account that she paid. Please be assured that Ms. ****** placed this account with our office with a balance due, and on 12/31/13 our client advised us that they received payment in full directly from Ms. ******. The account was immediately closed with our office at that time and the credit bureaus were instructed to delete the account. Please note that we cannot control the speed in which the credit bureaus act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records.  We trust this resolves your concerns.

1/20/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: This is a scam trying to collect money against a ComEd Bill. Lucky we pay our bills and They wanted $61.33 dollars, which we never have a bill that low. Also, it has a direct telephone line to call and pay online by check or credit card. a secure website www.WarningNotice.comMailing CCS P.O. Box **** ******* *******,MA **********

Desired Settlement: warn others

Business Response: Our office is in receipt of the complaint filed by Mr. ****** ****. We greatly appreciate this opportunity to respond.   Please be advised that we were not attempting to contact Mr. ****. Accordingly, due to privacy concerns, we are not able to provide a detailed response to Mr. ****’s concerns. However, please be advised that we have removed Mr. ****’s contact information from our records.   We trust this resolves your concerns.

1/18/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Allstate Insurance has failed to provide a corrected statement on three different policies and has referred us to this collection agency, both of whom continue to send us collection letters in spite of failing to provide a corrected statement on any of these three policies. Both have ignored certified letters sent to them and continue their collection activities in error and fraudently. Please require Allstate Insurance Company and Credit Collection Services to withdraw all collections until they have properly provided a corrected policy statement for all three policies and require both to remove all notices of collection with all collection bureaus with whom they have contact.

Desired Settlement: 1. Provided a corrected statement for all three policies. 2. Correct all collection reports with all credit reporting bureaus 3. Stop all collection efforts until corrected bills for all policies have been properly submitted to former customer and at least 45 days from time of receipt allowed for payment, if any is due. 4. A formal letter of apology from both the President/CEO of Allstate Insurance and the President/CEO of Credit Collection Services.

Business Response: Our office is in receipt of the complaint filed by Mr. **** ******. We greatly appreciate this opportunity to respond.
 
Mr. ******’s concern is that his insurance company (our creditor-client) has failed to provide him with a corrected statement. Please be advised that our client believes the account is due; however, we have closed this account with our office. Although Mr. ****** will not hear anything further from us in regard to the matter, please note that we cannot control any actions our client may take in regard to the account.  We trust this resolves your concerns.

1/18/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I authorized CCS to take $25 from my account monthly for an auto insurance claim through Allstate. They have been taking $59.95 out of my account every month and have caused my account to be overdrawn several times. They have taken an addition $104.85 above what they were authorized to take at this time. When I called them to ask that the issue be corrected they told me too bad, the money has been applied to your balance. I have since filed a dispute with my bank to have my funds retrieved from this company who has been stealing from me since September.

Desired Settlement: refund the $104.85 they have taken above and beyond my payment agreement refund overdraft charges totaling $84

Business Response: Our office is in receipt of the complaint filed by Ms. ********* *******. We greatly appreciate this opportunity to respond.
 
Ms. ******* claims that she agreed to pay our office $25.00 per month, but that we have been deducting more money than she agreed to pay, which caused overdraft charges. Contrary to this assertion, Ms. ******* agreed to pay $50.00 per month with a $9.95 processing fee. Further, prior to the due date of each payment, we sent Ms. ******* a reminder letter advising that the amount she agreed upon would be deducted from her account. Accordingly, we respectfully deny Ms. *******’s request for reimbursement.
 
Please note that on 12/13/13, Ms. ******* contacted our office and we complied with her request to stop deducting payments from her account. We have now closed this file with our office, but please note that we cannot control any actions our client may take in regard to the matter.  We trust this resolves your concerns.

1/9/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Received a bill for an insurance company that I do not owe.

Desired Settlement: Letter stating that they made a mistake that I do not owe anything. Believe they are trying to scam me for insurance that was cancelled and paid in full.

Business Response: Our office is in receipt of the complaint filed by Ms. **** ****. We greatly appreciate this opportunity to respond. Please be advised that our client’s records indicate Ms. ****’s automobile policy for a 2008 ***** **** and 2005 ********* ******** cancelled on 10/2/2013. When the policy cancelled there was still a balance due for insurance provided by our client to Ms. **** from the date of last payment through the cancellation date. That being said, we have closed this account with our office. Please note that our client believes the account is due and we cannot control any actions they may take in regard to the matter. We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved.

1/4/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My employer, Executive Management Consultants, LLC, received a notice from Credit Collection Services Commercial approximately three months ago demanding payment for services provided by *********** Insurance Company in the amount of $279.26. I am the company’s Accountant/Payroll/Human Resources. Both myself and my partner, the company’s Executive Administrative Assistant, has requested numerous times that documentation be forwarded to my attention that supports such services were provided by *********** Insurance Company during the period (s) of October 2012, November 2012, and December 2012 regarding one of the partners’, **** ***** *****. As of this complaint, we have yet to receive such documentation. Because Mr. ***** is disputing such services were ever provided, documentation of the entire file is required before the company can proceed further. We have requested the original file information and any documentations Credit Collection Services Commercial was forwarded by any other collection agency (ies). This is the company’s right and by law, Credit Collection Services Commercial, must provide such documentation when demanding collection of any account past due. Once the documents have been received, we will examine them accordingly and proceed further. If we find the services were contracted without Mr. *****’s knowledge, we will contact the appropriate authorities accordingly. Please have ALL documentation forwarded to my attention via email at **************** or via post service to Post Office Box ***, ******* SC ***** – Attention: ***** ******.

Desired Settlement: We require the original service contract and any subsequent documents that are related to this collection.

Business Response: Our office is in receipt of the complaint filed by Ms. ***** ****** on behalf of her employer, Executive Management Consultants, LLC. We greatly appreciate this opportunity to respond.   Contrary to her assertion, we have not previously received a request for documentation from Ms. ******’s employer. That being said, we have closed this account with our office and forwarded a copy of this complaint to our client to review.  Please note that we cannot control any actions our client may take in regard to this matter.   We trust this resolves your concerns.

12/28/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: To whom it may concern: Attached you will find a letter that I have addressed to a collections agency name Credit Collection Services. I received a letter from them dated November 18, 2013 claiming that they are attempting to collect a debt of $460 on behalf of LabCorp Seconds. I have no recollection of ever incurring this debt, so I am requesting they obtain verification and mail it directly to the above address at their own expense (see complaint online). DA

Desired Settlement: I am formally disputing this debt in writing within 30 days of receipt, and am requesting its validation. Any further attempt to collect this debt without validating it violates FDCPA and I am willing to continue with the necessary steps in reporting this violation to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I wanted to make this known to all parties and have written records of my dispute.

Business Response: Please be advised that *** ***** also had a complaint with the Consumer Financial Protection Bureau (CFPB) with these very same concerns. In regard to that complaint, we advised the CFPB that *** ***** copied them office on the very same letter that she sent to us, which was not a complaint, but simply a request for verification. We pointed out that the letter did not allege any wrongdoing by CCS. That being said, the letter included a cease request, so the account was immediately closed upon receipt of the letter. Although *** ***** will not hear anything further from us in regard to the account, please note that we cannot control any actions our client may take with regard to the matter. We trust this resolves your concerns.

12/22/2013 Billing/Collection Issues | Complaint Details Unavailable
12/22/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: Keep getting a bill saying I owe $153. I have already paid it a year ago this February. I have sent documentation including the cashed check. Been promised I would not be contacted again only to continue to get a bill requesting money

Desired Settlement: Stop getting sent bills and damage to my credit.

Business Response: Our office is in receipt of the complaint filed by *** ********* *****. We greatly appreciate this opportunity to respond.   Please be advised that we cannot locate an account with the information *** ***** provided with her complaint. We would appreciate it if she could please provided us with additional information, including copies of any correspondence that list a CCS file number, previous or current addresses, phone numbers that she is receiving calls at, and a copy of her credit bureau if the account has been reported to the credit bureaus. Upon receipt of this information, we will be in a better position to investigate her concerns further.   We trust this resolves your concerns.

Consumer Response: I have been reviving calls on my home phone ************ and emailed copies of everything on Monday to the person I spoke to but have not heard back. Was told by the person on Monday the original holder of my account went out of business and and they do not know what happened to my personal information it's all missing she said my file is gone. I am VERY concerned about someone having this information!

Business Response: As we advised previous, we cannot locate the account in question with any of the information provided in her complaint, including the phone number. If she could please provide us with the email and supporting documents she is referencing, we will research her concerns further. To expedite this matter, *** ***** can send the documents to ********************. We trust this resolves your concerns.

12/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: THIS COMPANY REPORTED A ACCOUNT TO THE CREDIT BUREAUS AS "NEGATIVE/COLLECTIONS" AFTER THE BALANCE WAS PAID IN FULL.

Desired Settlement: DELETION FROM CREDIT FILE.

Business Response: Our office is in receipt of the complaint filed by Ms. ***** *****. We greatly appreciate this opportunity to respond. Please be advised that we are unable to locate an account with the information that Ms. ***** included with her complaint. If Ms. ***** could please upload a copy of her credit report to the BBB complaint portal with the CCS account listed, then we would be happy to investigate her concerns further. We trust this resolves your concerns.

Consumer Response: 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.

I am unable to upload my credit report at this time, but i do have the following information regarding my account. My file number is ***********  Date: 2013-11-12  Regarding: ******** **** Placement Amount: $311.54 File Number: *********** Name: ***** * ***** Authentication Code: **********-**************** Amount Paid: $311.54  Status: Paid-in-full Please be sure to review the recorded call from 11-11-13, where I was told the account can be deleted from my credit report .

Business Response: As a preliminary matter, we would like to thank Ms. ***** for providing us with additional information to help us locate an account. Contrary to her assertion, Ms. ***** was told that her account would be updated as paid-in-full. However, as a courtesy to Ms. *****, we have instructed the credit bureaus to delete the account. Please note that we cannot control the speed in which the bureaus act upon our request and recommend giving the bureaus at least thirty (30) days to update their records. We trust this resolves your concerns.

Consumer Response: 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 review the call that was recorded when my payment was made on 11/11/2013. I was assured if I paid in full a deletion would be granted.

12/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I sent my previous ******** Insurance Agent ******* ********, located in ********** **. the new Vehicle Insurance Information Proofs upon obtaining Vehicle insurance from a Carrier that covers the Fayette, NC area. When I relocated to Fayetteville NC area in mid April, Mr ******** and I learned ******** Insurance group does not cover this area, and I had to find another Insurance Company that does. Mr. ********'s Office Always handled my Vehicle Insurance with ******* so when another agent at a different location sent a bill, it was ignored because Mr. ******** was already aware I had to obtain another Insurance for this area. Mr. ******** worked with me until I had the proper coverage from another company that did cover the are I lived in. I always paid my bills by phone, and each time another payment was made after moving here, Mr. ******** clarified the date the coverage would end: therefore I know Without a Doubt I do not owe ******* Insurance Group any funds. I actually thought the enclosed Collection notice was a scam due to not having had bad service or examples, such as this from *******, and because a person thought to be involved with my insurance matters;when there was no need to be: I am not comfortable submit proofs to these people. If the State of North Carolina is concerned in any way; the Insurance Commissioner can verify I have always had insurance and paid the proper Companies for this coverage.

Desired Settlement: I appreciate the Better Business Bureau being the Mediator in this matter to solve this problem, so this company can correct whatever provoked this mismanagement

Business Response:   Mr. ******* concern is that he obtained insurance with another company when he moved from Alabama to North Carolina. He states that he is not comfortable with providing our office a copy documents evidencing alternate insurance coverage; however, we would be happy to review with our client these documents if Mr. ***** could provide us with a copy of the declarations page from his new insurance company. If he still does not want to provide them to us, then we suggest he send the declarations page directly to *******, so that they can determine if an adjustment is due. That being said, we have closed this account with our office and Mr. ***** will not hear anything further from us in regard to this matter.   We trust this resolves your concerns.

12/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This is reporting on my credit report from *********** Insurance in the amount of $304.00. I have no idea what this is for and I have no idea who this company is or that it even exist! I can't even contact this company because there isn't a phone number only a P.O. Box! This is damaging my credit report and my life! I would like this removed from my credit report immediately!!!!!!

Desired Settlement: PLEASE REMOVE THIS COLLECTION DEBT FROM MY CREDIT REPORT.

Business Response:   The account in question is for the balance due on an insurance premium that cancelled on 8/15/2010. When the policy cancelled there was still a balance due for insurance provided from the date of last payment until the policy cancelled. Contrary to Mr. ******* assertion, we spoke to him several times since we sent him our initial letter in 2010. On one such instance, Mr. ****** agreed to start making payments on the account, but no payments were made. Although we disagree with Mr. ******* assertion that he is not aware of the account, we have closed this account with our office and Mr. ****** will not hear anything further from us in regard to it. However, please note that our client believes the account is due and we cannot control any actions they may take in regard to it. We have also instructed the credit bureaus to delete the account, but we cannot control the speed in which the bureaus act upon our request and recommend giving the bureaus at least thirty (30) days to update their records.   We trust this resolves your concerns.

12/10/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: I received a letter extorting a payment of $1,359 without any explanation of what account, time period, or services in which CCS states an upaid debt is delinquent. I contacted the company in which I have been doing business for over 25 years, and they do not have anything in their system as well. Or, have never contacted us for not ONE failed payment. I would think that the promotion of the BBB accredation of this company should be question. Especially by the frequent nature of complaints in such a short period of time. Along, with their claims should be considered upon the fraudlent nature where a criminal activities should be investigated. I can not believer BBB allows for their name to be put on thier bill as it is a facade to what they are doing which is extortion.

Desired Settlement: I want a letter stating that they were in error and any type of actions towards my credit need to be expunged or punitive dames may be occurred by CCS.

Business Response: Our office is in receipt of the complaint filed by Ms. **** *******. We greatly appreciate this opportunity to respond.   Contrary to Ms. *******’s concerns, we provided her with a letter indicating which **&* account this relates to and a service date for the balance. That being said, we have closed this account with our office and forwarded a copy of the complaint to our client to review. Please note that we cannot control any actions our client may take in regard to this matter. Further, please be assured that we did not send this account to any credit bureau.   We trust this resolves your concerns.

Consumer Response: 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.

When checking my credit report, I saw that this company file a complaint on my report which I did file a dispute as well.    This company is fraudlent and needs to be investigated by the BBB.  On the notification of this false claim, it has AT&T while the complaint on my credit said it was Charter Communications which I have never had an account with ever. I would think that after a tons of BBB complaints and the similiar quick response of closing this issue would cause BBB alarms to go over.  Especialy, since they put your logo on their letter saying that I fraudulent owe them money.  That is misrepresentation and I would think the BBB would want no part of this. I want anything from Credit Collection Services (CCS) deleted off of my credit report before I accept any type of resolution to this complaint.  And,  I would expect the BBB to put more resources to follow up on a company that got 451 complains in like 3 months!

Business Response: We regret that our previous response was not satisfactory to Ms. *******. However, we have no record that our office placed this on her credit bureau. If she could please provide us with a copy of her credit bureau with this account listed by CCS, we would be happy to investigate her concerns further.

Consumer Response: 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.

And, CCS is correct and got confused with a different collection company called CREDIT PROTECTION ASSOCIATION that did put something on my credit report that I am protesting. I understand that by choosing to accept the business response that my complaint will be closed as resolved.

12/9/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Credit Collection Services is acting on behalf of AT&T. The basis of the complaint is that AT&T promised a service to provide cable & internet services via fiber optic network which they claimed was superior to the service I was receiving from Cox Cable. I carried the AT&T service for 7 weeks. During that time AT&T sent service technicians to my home no less than 6 times for repairs to the external lines. According to one technician: "The fiber optic network stops about 2 blocks from here. It is not compatible with these old copper lines." Another technician, when asked if he would use AT&T in this neighborhood, stated, "No." Based on the facts that I frequently work from home, and my daughter & I are both online students, we require 24-hour availability of our internet services. Because AT&T was not able to provide the services as promised by their sales representative (breach of contract), their services were cancelled. Because of this I was charged a $150 early termination fee.

Desired Settlement: I request that Credit Collection Services immediately cease and desist on all collections of this account, and that the account NOT be reported to the credit bureaus as AT&T failed to honor their commitment to superior customer service. Thank you.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* *****. We greatly appreciate this opportunity to respond.   In regard to Ms. *****’s request that we cease and desist collections, please be advised that Ms. ***** has heard nothing further from us since November 18th when we spoke to her over the phone and she requested that we cease collections at that time. We have forwarded a copy of this complaint to our client to review since Ms. *****’s remaining concerns are with our client, and not this office. Please note that we cannot control any actions our client may take in regard to this matter.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

I reserve the right to file a future complaint against AT & T.   Thank you for your assistance.

12/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Good Day, I closed an account with ******* Cable in Philadelphia PA on August 21, 2013. The final invoice was paid in full at that time. My residence was changed and I have an active subscription with ******* Cable in my new residence. A copy of the paid invoice was faxed to Credit Collection Services (CCS). CCS continues to harass me and now has attempted to extort $74.29 (the amount of the final invoice), from me. Credit Collection Services has escalated from repeated phone calls to informing me of placing adverse credit information on my credit report. I have sent a letter demanding cease and desist and will send another. ******* has repeatedly verbally and in writing cleared me of an outstanding bill.

Desired Settlement: Please do not submit fraudulent information to one and/or the three credit bureaus.

Business Response: Our office is in receipt of the complaint filed by *** ********* *******. We greatly appreciate this opportunity to respond. Please be assured that our client sent this account to us with *** ******* as the responsible party. That being said, we have agreed with *** ********* request to stop contacting him and have closed this account with our office. Please also be assured that we did not send this account to any credit bureau. We trust this resolves your concerns.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my concerns in reference to complaint . I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

12/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This complaint is in regards to CCS (Credit Collection Services) also known as www.warningnotice.com & www.settlementnotice.com. I've received two collection notices from this "company". Both notices tell me that I owe $310.59 on a ****** credit card. Upon receiving these notices, I knew that it was a scam because I've never in my life bought something at ****** using a credit card. The stated Creditor on both notices were different. The Creditor on my first notice is "******* ***" and the Creditor on my second notice is "Chase Bank USA". I called both ******* *** and Chase to verify the validity of these collection notices. Both ******* *** and Chase assured me that I do not owe the outstanding amount of $310.59 that CCS claims I do. On top of that, both Creditors do not even have a record of sending any account under my name or social security number to a collections service. Total rippoff. This company needs to be investigated by the BBB.

Desired Settlement: Stop scamming people.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** *******. We greatly appreciate this opportunity to respond.   Please be assured that Mr. ******* was believed to be the person we were attempting to contact. That being said, we have agreed with Mr. *******’ request to stop contacting him. He will hear nothing further from us in regard to this matter.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved.

12/4/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: I have sent a dispute validation letter to CCS by both Fax and certified mail regarding an alleged debt for a utility bill. The account number is ** **** ***** and my former last name was ******. I moved from my old address that I had an account at a long time ago, I never received a bill or anything from CCS's client and I had submitted a change of address form so the client would have been able to reach me at my new address . I have asked for validation as I want to know the date of service for this alleged debt and like I have asked I want proof of Credit Collection services surety bond that should be on file with the ********* ** ***** as required by all collection agencies that collect from resident in the state of *** ****** as follows *** ****** statutes (******** ***** ** ***.) dictates that no person can operate a collection agency, collection bureau or collection office or engage in the business of collecting or receiving payment for others of any account, bill, or other indebtedness without having a sufficient bond on file with the Secretary of State. I would like this information in a timely manner or delete this account from my credit reports immediately

Desired Settlement: I would like CCS to either provide the information that I asked for immediately or delete this account from my credit reports immediately

Business Response: Our office is in receipt of the complaint filed by Ms. ****** ****. We greatly appreciate this opportunity to respond.
 
Please be advised that we previously closed this account upon receipt of correspondence from Ms. ****. We also sent her a letter advising her of the same and that the credit bureaus were instructed to delete the account. Please note that we cannot control the speed in which the bureaus act upon our request and recommend giving the bureaus at least thirty (30) days to update their records. Please also be assured that we are properly bonded as required by the State of *** ******.
 
We trust this resolves your concerns.

Consumer Response:
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 #*******. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

****** ****

12/3/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: This company keeps contacting me over and over. Most times they do not leave messages. The one time I spoke with them they would not verify any debt I owed with out me giving me my SSN. Which I will not due. I have been a victim of scams and I am still trying to recover. If they would like to send me some documentation then fine. They have threatened me which violate the FTC debt collection laws.

Business Response: Our office is in receipt of the complaint filed by Ms. ***** ********. We greatly appreciate this opportunity to respond.   Please be advised that we have agreed with Ms. ********’s request to stop contacting her. That being said, our client believes Ms. ******** is responsible for the account and we cannot control any actions they may take in regard to it. Further, contrary to Ms. ********’s assertion, we have no record of speaking to her.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved.   

I would like the to provide me with who the client is so that I can contact them directly

11/24/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The collection company is trying to collect on a bill which has been paid and they continuously call my job without having the courtesy of leaving a message.

Desired Settlement: to get their fact straight and please stop harassing me.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** ****. We greatly appreciate this opportunity to respond.   Please be advised that we have agreed with Mr. ****’s request to stop contacting him. In fact, this account was closed with our office two days ago immediately upon our client advising us that they received payment directly from Mr. ****.   Contrary to Mr. ****’s assertion, we have not been calling him continuously. We made just two calls on the account, which were several days apart. Further, the phone number we were calling was provided by our client, and in turn provided to them by Mr. **** as his primary contact phone number.   We trust this resolves your concerns.

11/23/2013 Problems with Product/Service | Read Complaint Details
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Complaint: The CCS company has a collection account in my name which is legit. It is due to a car accident in which my car was involved but my brother was driving. I had gotten insurance earlier on my car on the same day as the accident but my brother wasn't added onto the policy as a driver, so my insurance company stated they wouldn't cover the costs. I was willing to cover the repairs myself but when I got the knowledge of the bill from ******** insurance, it was almost 3 times then what I had checked around at different repair shops. I had also checked with ***** about parts prices and it was a lot less than the ******** auto repair shop charged. I also found out that the car owner was trying to get money out of my brother as well by threatening him. Hence the reason I didn't make the payment as I cannot afford to pay $5800.00. Then the CCS company purchased the case from ******** Insurance. I have tried to work with them twice and couldn't reach a desired settlement. The first settlement was $3500. The second settlement, earlier this month, was requested in the amount of $2000. I even borrowed money from a relative to pay ccs and close the case if they agreed to $2000. They told me to call within 2 days from my first call to them. I called back and was told to call back within another 2 days as the manager hasn't looked at it the account. When I called back, the automated system stated that they agreed to take $2000 as down payment and settled for a final amount of $4500. I have stated to ccs that I cannot afford more than $2000 at all, and that is with borrowed funds. I am currently below on my house payments and can't afford any additional payments out of my paycheck. I make less than my mortgage currently. I lost my second job earlier this year which is the reason for my financial setbacks. I also stated to them that I can provide them my paystubs, my home payments documents and all other papers needed to prove my statement. I had my boss speak to them as well as she knows my financial situation as well and has been helping me sort things out. The ccs case happens to be one. It has been on my credit for a year already and I can let it stay there longer as I really cannot afford to may them anymore than $2000. I am trying to find another job to make my ends meet and be able to make my house and bill payments currently.

Desired Settlement: I would like to settle this and for that reason, I have borrowed the funds from relatives and can pay that now as a final payment of $2000. Thank you. ***** ****

Business Response: Our office is in receipt of the complaint filed by Mr. ***** ****. We greatly appreciate this opportunity to respond.   Unfortunately, we cannot accept the amount that Mr. **** wants to pay as settlement in full. If he could please contact our office, we would be happy to discuss with him suitable payment arrangements. Please also note that we did not send this account to any credit bureau.   We trust this resolves your concerns.

11/23/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I contacted this company 10/8/13. I notified them they had accounts in there office that were fraud by ID THEFT. I have been a victim of fraud and had someone obtain credit, housing and auto loan in my name. I filed a police report in regards to the collections they listed on my credit file. The person using my credit has/had a fake drivers license with my name on it. My correct DL **-***-**** that's a partial to my real drivers license. Again covered to protect my ID. All accounts that were opened were cleared and all auto loans found and closed as well. The person used my information to change address on my credit file and to obtain my files and fix them. I had to get a certified copies of my drivers license and copy to show I own my SS number to the credit agencies to have accounts removed and blocked. CCS is the only company that I have remaining due to the fraud. I have fax this company twice a copy of police report of fraud. Sent to : (617) 762-3029 I have spent a lot of money and time on fixing the damage to my good name and credit. CCS has accounts of 481-475-82 p-81.00 471-352-60 p-310.00 436-268-87 p-108.00 These accounts are fraud not mine. POLICE REPORT WITH DENVER PD REPORT NUMBER 2013-******* DATE 10/7/13 by officer ******* Incident code *******Fraud

Desired Settlement: I DEMAND THE COMPANY REMOVE ITS ACCOUNTS FROM MY CREDIT FILE AT ONCE AND ALL RELATED CREDIT INQUIRES

Business Response: Our office is in receipt of the complaint filed by Mr. **** **********. We greatly appreciate this opportunity to respond.
 
Please be advised that it was not until recently that Mr. ********** faxed us the documents to support his claim of fraud. Immediately upon receipt of the documents we sent them to our client to review and also instructed the credit bureaus to delete the account. Please note that we cannot control the speed in which the credit bureaus act upon our request and recommend giving the credit bureaus at least thirty (30) days to update their records.   We trust this resolves your concerns.

11/23/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: We have received a call from Credit Collection Services (CCS) regarding a supposed unpaid debt to Hollywood Video in the amount of $10.98 from 2009. To the best of our knowledge, this debt is completely false. We returned all movies to this company and paid any outstanding fines. When we requested the agent mail us information about this false charge, she refused and instead gave us a phone number to call where we could "get more information." That phone number connected us with a sales/marketing firm answering machine, attempting to sell a product and not offering any information concerning the CCS's claim.

Desired Settlement: We want any false information concerning this debt to be cleared and for this company to stop calling us. We also want any information concerning this false claim to be exempted and removed from our consumer credit, should it appear on any credit report.

Business Response: Our office is in receipt of the complaint filed by Mr. ***** ******. We greatly appreciate this opportunity to respond.   Please be advised that we were not contacting Mr. ****** in regard to Hollywood Video, who has not been a client of ours for some time. It appears that Mr. ****** is confusing calls he received from our office regarding an entirely different creditor, with calls he received for Hollywood Video. Please note that the account that is with our office was paid in full by Mr. ****** yesterday, and will be closed pending successful negotiation of the payment.   We trust this resolves your concerns.

11/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a letter stating that I owe $527.89 for an unpaid insurance policy from Progressive Insurance. I contacted Progressive Insurance who by the way is my CURRENT insurance company and they stated that they show absolutely no past due invoices. This is alarming since I have no idea why I would receive a letter like this. This letter does not have a Progressive account number or any information just a past due amount and a CCS file number. After speaking with Progressive it makes me question the authenticity of this letter.

Desired Settlement: In the letter it mentioned that this account was reported to a credit bureau. I would like a letter sent to the credit bureau correcting this report. Thank you.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* *******. We greatly appreciate this opportunity to respond.   Please be assured that our client did place this account under Ms. *******’ name and information. Further, our letters do list the policy number. That being said, we have closed this account with our office and instructed the credit bureaus to delete the account. Please note that we cannot control the speed in which the bureaus act upon our request and recommend giving the bureaus at least thirty (30) days to update their records.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

11/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Business is sending me Collection notice for a business i never have dealt with in the amount of 192.31 I am working to better my credit rating not sure if this on my report yet , but i do not owe this money they are listing . If business had prof of this dept i would liek to see it , if not i want them to stop sending me collection notice.

Desired Settlement: Business to stop sending these bills , and for this not to affect my credit rating

Business Response: Our office is in receipt of the complaint filed by *** ******* ******. We greatly appreciate this opportunity to respond. Please be advised that we have agreed with *** ******** request to stop contacting her regarding this matter. Although she will not hear anything further from us, please note that we cannot control any actions our client may take in regard to this matter. Further, please be assured that we have instructed the credit bureaus to delete the account. We cannot control the speed in which the bureaus act upon our request and recommend giving the bureaus at least thirty (30) days to update their records. We trust this resolves your concerns.

Consumer Response: 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 #*******. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

11/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is a 3rd party zombie debt collector I have severed them several times with Debt Collection Cease and Desist Letter – send this letter via certified mail and have strict files for my records. I have a call block app on my cell phone to which they continue to call morning, noon and night. They state that "they take you off the call list" and never do - the app on my cell phone records every time they call and date and time stamps the call - this company is clearly operating outside of the fair debt collection practices act and is not only harassing consumers but also collecting money from consumers in states that they have no business license to do so. CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. and Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Desired Settlement: I will file a Civil liability case against this company and advise they govern themselves accordingly should I receive ANY additional communications for said company

Business Response: Our office is in receipt of the complaint filed by *** **** *********i. We greatly appreciate this opportunity to respond. Please be advised that we have agreed with *** ************ request to stop contacting him. In fact, the account was closed with our office immediately after speaking with M** ********** on 11/8/2013. Contrary to his assertion, this was the very first instance that *** ********** requested that we not contact him in regard to this matter, and that we have no record of correspondence from him. If he would be willing to provide us with a copy of the signed green card showing receipt, we would be happy to investigate his concerns further. We trust this resolves your concerns.

Consumer Response: 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 #*******. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

10/25/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is showing on my credit report with an account number ******(partial account number) for Progressive Insurance in the amount $750. I have contaced Progressive and their customer service agents have stated their is no balance in their system showing with my name and social. I have disputed this numerous times with the credit reporting agency and it keeps coming back as verified by CCS. Please delete this item from my credit report.

Desired Settlement: Delete From Credit Report

Business Response: Our office is in receipt of the complaint filed by Mr. ******* ******. We greatly appreciate this opportunity to respond.
 
Please be advised that we have closed this account with our office and agreed with Mr. ******’s request to delete the account from his credit bureaus. Please note that we cannot control the speed in which the bureaus act upon our request and recommend giving the bureaus at least thirty (30) days to update their records. That being said, our client placed this account with Mr. ****** as the responsible party and we cannot control any actions they may take in regard to the matter.  We trust this resolves your concerns.

Consumer Response: 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.  I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

10/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: We cancelled our auto insurance policy with Nationwide Insurance Co. as 02/01/2013 after assuring that our new policy was effective with **** ( a policy taken out in Dec. 2012). At some point subsequent to this cancellation we received notice from Nationwide that we needed to send proof of coverage after the date of cancellation of their policy which we sent and followed up with phone calls after they showed no record of receiving the necessary "Declaration of Insurance" from ****. We once again sent this documentation and sometimes in the interim this Credit Collection Services began sending us notices of collection activity on this account. They also noted that there was no negative report to the credit reporting agencies during the resolution period. I sent Nationwide and this Agency the same information and Nationwide resolved the issue and sent a refund check. This agency, however, continues sending collection letters and now state a negative report to the credit bureaus. A simple call to Nationwide or **** (which I have suggested to Credit Collection Services several times) would allow them to clear their books and remove any negative credit reporting. They continue, however to seek information from me. request additional information from me.

Desired Settlement: Repair any credit reporting issues they have caused and close this issue as resolved in their books to allow them to discontinue their contact with me.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** *****. We greatly appreciate this opportunity to respond. Please be advised that we have agreed with Mr. *****’s request to stop contacting him. The credit bureaus have also been instructed to delete the account, but please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records.  Although Mr. ***** will not hear anything further from us in regard to this matter, our client believes the account is due an we cannot control any actions they may take in regard to the matter. Mr. ***** indicates that he cancelled his insurance policy 2/1/13. This is also the cancellation date provided to us by our client; however, when the policy cancelled there was still a balance due for insurance provided from the date of last payment until the policy cancelled. Mr. ***** indicates that he received a refund from our client. We would be happy to investigate this matter further if Mr. ***** could please provide us with documentation showing the refund. Upon receipt of the documentation, we will send it to our client to determine if an adjustment is due. We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved.

Please note however, that I am still a client of Nationwide for homeowners insurance. I can't understand why between the bill paid to them every month and the refund against the auto policy referenced by this company that they are still claiming requested restitution from Nationwide. They are welcomed to have Nationwide contact me directly if they still have an issue with my account. Thank you for your help with this issue at the Better Business Bureau.

10/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Quest diagnostics has failed to file insurance medical claims properly with Blue Cross and GEHA medical insurance companies. Quest has failed to show non-payment from GEHA and Blue Cross for laboratory tests and procedures. Other lab tests and procedures filed with Blue Cross and GEHA have been paid by both medical insurance companies.

Desired Settlement: Quest diagnotics payment processing center needs to be investigated for not properly billing customers, and medical insurance companies; then submitting Credit Collection Service notices while failing to properly file medical insurance claims. BBB needs to invesigate Quest terrible payment processing and customer service.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** ****. We greatly appreciate this opportunity to respond. Mr. **** is concerned that our client did not properly bill his insurance company. As his concerns are not with our handling of the account, we have closed our file and put our client on notice of the complaint. Please note that we cannot control the speed in which the bureaus will act upon our request. We trust this resolves your concerns.

Consumer Response: 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 # *******. The collect business (CCS of Querst diagnostics) and Quest diagnostics (billing) needs to verify the correctness of the  billing (as requested by bill payer several times) rather than issue a threat of filing a credit report non-payment.  Both companies have not properly filed the Medical billing insurance of Blue Cross and GEHA insurance companies for payment.Request that Quest diagnostics provide EOB explanation of benefits payment from Blue Cross and GEHA medical insurance claims for the Quest diagnotstic tests be provided as evidence that Quest diagnotistics was not paid.   Quest may have been paid, or Quest did not submit the medical claim forms properly as prescribed.  This has been explained to CCS Collections and Quest several times. Regards, ****** ****  

Business Response: We regret that our previous response was not satisfactory to Mr. ****. That being said, our client’s records show that Mr. ****’s insurance company paid a portion of the amount due, but that Mr. **** is responsible for the amount due, as it is his co-pay and/or deductible. That being said, we previously advised that we had closed this account with our office and put our client on notice of the complaint. We trust this resolves your concerns.

10/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On SIX (6) different occasions this company has sent a "WARNING NOTICE" that Credit Collection Services was going to submit a derogatory notice to the credit reporting agencies in my name. On five different occasions I have sent at a great deal of time and expense, letters requesting that they VERIFY the debt. They have on two occasion followed through on their threats to turn my name into credit agencies, but after receiving my demand for verification, they remove the entry. Here's the problem...they keep changing the account number and amount of money they are demanding. This "game" could go on forever. They have not ONCE verified the debt or provided any information to substantiate their claims. Please make them stop. They are ruining my credit for no reason. I am in the process of applying to take the State of Georgia Bar, and these derogatory credit entries are very serious.

Desired Settlement: For Credit Collection Services to stop trying to extort money for a debt they cannot verify. Most people would pay on their threatening letter...just out of fear. This is an unethical way to conduct credit collections and my hope is your agency will address these concerns accordingly. Thank you.

Business Response: Our office is in receipt of the complaint filed by Ms. ******** ********. We greatly appreciate this opportunity to respond.
 
As a preliminary matter, we have agreed with Ms. ********’s request to stop contacting her. Although she will hear nothing further from us in regard to the accounts that are currently with our office, please note that we cannot control whether any new accounts will be placed with our office.
 
Ms. ******** indicates that we are changing the account numbers and the balances due; however, please note that each account we were contacting Ms. ******** about are entirely different accounts with different dates of service. They were not the same account with the information changed each time.   We trust this resolves your concerns.

10/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This collection agency is attempting to collect on a debt that I do not owe. On 09/24/2013, I received a message from this company; they left a message on my answering machine stating they were attempting to collect a debt in my name, which I do not believe to be legal. Anyone at my household could pick up the phone and know that I have a debt placed with this agency. I called them back, and I spoke to ***** ****** on 09/27/2013. She stated that I have ***** collection placed in my name from Ameripath/St. Luke's for services provided on 01/04/2013. I advised her that I do not owe the bill, my insurance paid for the visit in full, and to cease collections on this account and to note it is in dispute. I then prompty called Humana Choice PPO--my insurance provider--and I spoke to a woman named *******. She stated that ***** claim from that day had indeed been denied, but she stated that I was not liable for paying it per their contractual agreement with St. Luke’s office. ******* further stated that they had sent a letter to my doctor’s office or their billing address stating I was not liable for the amount, but they were not going to pay it, and that their office needed to contact them directly about the reason for the denial for clarification. ******* stated no one from their office to date has contacted them, and now it seems they are attempting to bill me for amounts not owed. This isn’t the first problem medical billing problem I have experienced in the last six months, and it is why I am formally filing a complaint. I have also filed a complaint with the BBB of Kansas City, the Attorney General of Missouri, and the Missouri Board of Healing Arts against St. Lukes, but I believe I also need to file a formal complaint with the BBB of MA against CCS for collecting on amounts that are not due. This office should not be billing me for amounts verified as not owed by Humana Choice PPO; furthermore, they should have never placed this account with a collection agency. It is now reporting on my credit bureau due to their ineptitude, and it is lowering my credit score as a result of their inaction. Although Humana Choice PPO’s quality assurance department is now investigating this issue, I am also requesting that your office investigate the issue, specifically because I know insurance fraud is commonplace these days. Furthermore, I have contacted an administrator with St. Luke's Internal Medicine--****** ********--and she is denying that they have billed me for anything, although she claims Ameripath might be billing me, since they might have outsourced this to them (gynecological lab). Ameripath has never sent me a bill either. and it should have been St. Luke's responsibility to notify their provider if they received something in the mail pertaining to something they would bill for. But as I stated before, Humana Choice PPO advised me the bill came from St. Luke's, therefore I have no reason but to believe they forwarded this account to CCS for collection.

Desired Settlement: The bill needs to be removed from the collection agency, removed from my credit bureau, and I want a formal apology letter.

Business Response: Our office is in receipt of the complaint filed by Ms. ********* ******. We greatly appreciate this opportunity to respond.
 
Please be advised that this account has been closed with our office. Please also be assured that we did not send this account to any credit bureau. Although we have closed this account with our office, please note that we cannot control any actions our client may take in regard to the account. That being said, as Ms. ******’s concerns do not appear to be with our handling of the account, we have put our client on notice of this complaint.  We trust this resolves your concerns.

10/9/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I phoned and spoke to a representative on Sept 23rd around 2:30pm. I told him I was buying a home and would like to pay my account in exchange for a deletion letter. The call was witnessed by my mortgage loan officer and recorded by both their system and ours. I was told that it was no problem and that the debt would be removed from my credit report the following day and I would receive a deletion letter. I phoned the next day when the letter didn't arrive and was told it would be the following day because the payment would process the next. After 3 more phone calls I was told that they did not provide deletion letters but it would be removed from my credit in 7 days. When 12 days had passed and it was still not removed, nor the deletion letter that was promised was received, I phoned again. I spoke to a ***** who's supervisor is *****. I was told that because they file had not went to the credit bureaus that they would do a deletion letter but it had to be requested from their corporate office and that it would be faxed on Monday. Monday, Oct 7. That date was yesterday and no letter was received. I phoned today and spoke to *****. I was told that he saw no notes regarding a deletion letter and told me that his supervisor would speak to ***** the Supervisor whom requested the deletion letter and that ***** would phone me. ***** never called. All together I have placed a total of 14 recorded and documented witnessed phone calls to this company to get what I was promised when I paid the debt. I was promised that it would be removed from the credit bureaus the following day of payment, told multiple times that it had been removed when Transunion and Equifax verified they had not heard from the company. I was also promised by 3 reps and a supervisor that a deletion letter would be faxed. To date none of those commitments have been met. My loan file went to underwriting today. Because of the negligence of CCS it ended up taking my credit score from a good rating to a poor rating and cost me an addition $3000 in risk. I did not receive any correspondence regarding the debt from the company and only found that I owed it when my credit report was pulled on the 20th. I paid the debt the same day as the credit pull, which was three days after it hit my report.

Desired Settlement: I want a deletion letter faxed to me at ************ as promised and the debt removed from my credit report prior to 10/11/2013. when there is still a chance of changing my loan program to where it should have been had your promise been fulfilled. I would encourage a supervisor to listen to the calls. They are logged in the system because each rep has verified the times I have called in the past. Specifically the call from Friday, Oct 4, 2013. If a letter is not faxed to the number above by 10/11/2013, I expect a letter and the $3000 in risk fees that I will incur if my loan program can't be changed due to your negligence and noncompliance to numerous commitments made on recorded and witnessed phone calls be sent to my address by 10/14/2013. If this does not occur within the timeframe I have outlined I will be forced to escalate this into a legal matter.

Business Response: Our office is in receipt of the complaint filed by Ms. *** ******. We greatly appreciate this opportunity to respond.
 
Please be advised that we had attempted to send the letter in question to the facsimile number that Ms. ****** provided to us; however, the facsimile would not go through as there was some sort of error on Ms. ******’s end. We attempted to call Ms. ****** to resolve the issue, but we were not able to reach her. That being said, we have attached a copy of the letter to the BBB’s complaint portal. Also, the credit bureaus were previously instructed to delete the account almost three (3) weeks ago. Please note that we cannot control the speed in which the credit bureaus act upon the information that we send them.  We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

10/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I'm filing a complaint against Credit Collection Services for reporting adverse information on my credit reports for a debt I do not owe. In regard to a letter dated 7/19/13 File#*************, Invoice# ************. Date of Service 11/20/2010. I dispute the validity of this debt.The original creditor LabCorp was billed in error by my doctors office. I had medical insurance and was fully covered for any medical lab procedures performed in November 2010. My doctors' office contacted LabCorp in several occassions to resolve the billing error. LabCorp did not cooperate and did not furnish the doctors office with the appropriate documentation. Therefore, I want CCS to cease and desist any communication and remove any adverse information on my credit reports. I am not responsible for the amount of $246.03 stated by CCS. Any further infraction will lead to my reporting the agency under the FCRA for harrassment and collection of a debt I am not responsible for.

Desired Settlement: My desired outcome is for CCS to remove any adverse information reported to the 3 credit bureaus. I am not responsible for this charges. This was a billing issue that had to be resolved between the biller (the doctors office) and LabCorp.

Business Response: Our office is in receipt of the complaint filed by ******* ****. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with the consumers request to cease collections. Further, we have instructed the credit bureaus to delete the account; however, we cannot control the speed in which the bureaus act upon our request and recommend giving the bureaus at least thirty (30) days to update their records. Although we have closed this account with our office, please note that we cannot control any actions our client may take in regard to the account.   We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

10/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Received a letter from CCS stating that I owe $851.89 to Progressive American Insurance Co. for unpaid insurance from January 19,2009 to February 13,2009. I called Progressive Ins., on 9/24 at 1:50pm, talked to ********* and she said that she doesn't see any debt in my account BUT she showed a refund of $90,39 after canceling the policy.

Desired Settlement: Charge / debt removed from credit report, ASAP. Thank you!

Business Response: Our office is in receipt of the complaint filed by Ms. ****** *********. We greatly appreciate this opportunity to respond.
 
Please be assured that our client placed this account with our office with a balance due. If Ms. ********* would like to provide us documents showing no balance is due, then we would be happy to review the documentation with our client to determine if an adjustment is due. That said, we have instructed the credit bureaus to delete the account. Please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records. We trust this resolves your concerns.

9/30/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I called them and told them I didn't have no equipment that belongs to Comcast Cable the important that the letter that they sent wan't for no equipment but it was for a past due amount that I owe for service, I asked for a payment arrangement +I said when I get a different letter then I would pay the past due amount + their response was I had to make a payment 1st and then they would send me a letter saying it was a bill that I owe and not for equipment

Desired Settlement: For them to send me a letter 1st stating that its for a bill that I owe + not for equipment and they said that I would get a letter until I make a payment

Business Response: Our office is in receipt of the complaint filed by Ms. ******* *******. We greatly appreciate this opportunity to respond.
 
Please be advised that we have already sent Ms. ******* correspondence that breaks out the service and equipment balances. That being said, we have closed this account with our office. Ms. ******* will hear nothing further from us in regard to this matter.  We trust this resolves your concerns.

9/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: CCS as well as AT&T have flagrantly neglected the accuracy of the bill and have negatively and severely impacted my credit score. The bill was an inaccuracy that is stated multiple times in the history of my account with AT&T. Should be at $0.00. Never had a debt. CCS is unable to be reached and uncooperative. A complaint is also filed with AT&T.

Desired Settlement: I want AT&T and CCS to communicate and settle this to $0.00 and MUST CONTACT THE CREDIT BUREAUS AND TAKE OFF THE NEGATIVE REPORTING!!!!

Business Response: Our office is in receipt of the complaint filed by Ms. ******** *****. We greatly appreciate this opportunity to respond.
 
It does not appear that Ms. *****’s concerns are with our handling of the account; instead, she is disputing that there is a balance due to our client. Accordingly, we have closed this account with our office and put our client on notice of the complaint. Please note that we cannot control any actions our client may take in regard to this matter.  We trust this resolves your concerns.

9/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Three months ago I received in the mail a notice claiming that owed my former auto insurance company, from 2 years ago, $178. I paid them and have a copy of the letter stating I was paid in full. I called Credit Collection Services in regard to this matter and explained to them and I canceled the policy prior to the date they claimed I owed. They then explained that I was required to fax in a written statement to them with my file number and some other information as well. The following day I faxed them the statement needed to verify the sale of the car and the policy was canceled and paid in full. The following month I received yet another bill from Credit Collection Services. I then called and explained to them that I faxed the required paperwork and the women acknowledged that they did receive it; only this time they now demanded that I mail in the same form but notarized. Again, and to may displeasure, I made a copy of the required paperwork and had it notarized, however it took me 3 days to find the time to have it all done and mailed out. Now I are entering into the third month and I received yet again another notice on August 14th. I called once again only to find out that now they have claimed I never faxed the paperwork over; nor have they received any paperwork mailed in. This people are crooks and simply harass innocent people til the get frustrated and simply pay them. I find that Credit Collection Services has only one motive and that is to try and harass people with fraudulent and misguided debt. They provided me with 2 methods of clearing up an error in their system. At this point I am fed up trying to follow "their" processes only to have them simply change their statements and then have innocent people run in circle. These people should be shut down for their poor business model. They are crooks that threaten to hurt peoples credit if they are not paid for a "debt" that does not exist.

Desired Settlement: I want Credit Collection Services to STOP contacting me and take me out of their system. I hope the state of Maine takes a look at their business process very closely. This company simply harass everyday people in hopes of just getting them so frustrated that they simply pay them to go away. They have no business policies or processes in place.

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

As a preliminary matter, please be advised that we have agreed with Mr. **********’s request to stop contacting him. He will hear nothing further from us in regard to this matter.  Please be assured that we have no record of receiving any correspondence from Mr. **********. If he would like to fax the documentation to ************, we would be happy to forward the documentation to our client to review if an adjustment is due.  We trust this resolves your concerns.

9/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was notified on August 22, about a bill due with Nationwide Insurance in the amount of $223.15. I spoke with ******* at Nationwide and Angela with CCS on September 16,2013, both reps were unable to resolve the issue. I advised that I do not owe the debt due to cancelations of contract in April. I advised that my account was paid in full and services were canceled for insurance increase without notices. I advised that I was unable to get in contact with the agent provided by Nationwide insurance and I was dissatisfied with the coverage and communication process. I advised that I spoke with ****** with the customer resolution and response team and that he canceled the policy and credited the days to reflect a zero balance. I also advised that I was not paying the bill for I had other insurance coverage and was not aware of the policy continuing with Nationwide.

Desired Settlement: Recall the account back to Nationwide and clear my balances out to zero. Stop collecting on the debt for I do not owe any money.

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

Please be advised that we have agreed with Ms. *******’s request to stop contacting her. That being said, we cannot control any actions our client may take in regard to this matter as their records show that the policy cancelled on 6/17/2013 with a balance due. If Ms. ******* could send us the copy of the declarations page with her new insurance company that she refers to in the complaint, then we would be happy to send the documentation to our client to review if an adjustment is due.   We trust this resolves your concerns.

9/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was reviewing your collections warning of February 4/2013 and I noticed that you are a member of the Better Business Bureau. Initially I placed this collections notice warning in my pending box with options of sending it to my trash box when I noticed your BBB icon. Now the reason for mentioning this very interesting icon is that I know you have promised to abide by laws governing this country. But I have two complaints against your services that I wish to address. First, I do not owe this $256.98 to you nor to GVTC. Secondly, it is apparent that you never researched this billing with GVTC nor have you researched the issue behind this billing. Therefore I am giving you notice that this billing is in error. If you choose to go forward with this action then I will consider your services inept as GVTC. It cease to amaze me how business organizations can jump from one band wagon to another. The wagon I'm referring to is to destroy people's credit. Your company has reported to a credit agency that I am delinquent and currently in collections. It is this I hold you in contempt with GVTC. In the past, utility companies normally try to negotiate with their customers, eliminating the need for civil actions or in your case trying to destroy people's livelihood. Subsequent to this destruction, people suffer high interest rates on loans and credit. Now I wrote and visited the GVTC offices, located near Canyon Lake, about the problems I had with their company, and the mistakes they made with my services.Apparently my concerns were not important to them. I then, as well as now, feel that I have a legal position against GVTC and your company. To the chase. I didn't like how GVCT programming was constantly changing, ie, the western channels. Initially, there were two channels to access with my basic channel package I had with GVCT. These channels went to the upper TV channels as well as others, however my plans were to leave GVCT and go to Time Warner. This is where the problem began. I did not stop my services with GVTC and I only had a basic plan with them for only $89.99 a month. A mishap happened with my phone, during this change caused my phone services to be disrupted for approximately one week. This disruption also affected my internet service also. I contacted GVTC of this problem and stated I wish to continue the services. Again I did not stop my services, yet my rate went up and up. I advise you to reconsider your position on this credit action report your company has submitted to the credit bureau. I am willing to file a libel suit with the courts, as well as, instituting other action against your Services and GVCT. Actions will go forward if my name is not removed as a negative action against my credit report. Therefore, if this action is not corrected by 31 October, 15, 2013, I will use all means necessary to correct this fraud. If you wish to resolve this matter, I can be contacted at the above address of call me at (***) ******** during standard working hours.

Sincerely,
*** ******** USMC Retired

I have fought against tyranny for my country both in Vietnam and Desert Storm. Please don't tread on me in my own country.

Business Response: Our office is in receipt of the complaint filed by Mr. *** ********. We greatly appreciate this opportunity to respond.  Please be advised that on 9/13/13, our client advised us that they had also received a complaint from the Better Business Bureau (BBB). As a result of the BBB complaint they received, they instructed us to close our file. Accordingly, the file was closed with our office and the credit bureaus were instructed to delete the account. Please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records.  We trust this resolves your concerns.

9/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I ******* ****** had a contract agreement with CCS Companies in Portsmount, NH on behalf of Farmers Insurance to settled a claim for all damages once a total amount of 8238.12 has been paid in full. The agreement states that I am to pay 171.63 by-weekly until it is paid, my first payment was on 4-27-2012. I had the Installment agreement notorized. My complaint is: I had been making my payments since 4-27-2012, and my total had been paid down to 6350.19 as of 9-14-2012. Than without me knowing it, CCS had made and adjustment of 2879.00 to to what I had already paid off, and it brought my payments back up to 9229.19 as of 9-28-2012. I did not authorized or resigned anything to change our inital installment agreement. Plus they did not warn me they were going to add the additional amount. Our installment agreements states that all I would have to pay is the 8238.12 and our account would be settle with all parties. Also the parties they were representing would had to complete and unconditional release from all claims. That was the agreement. It was wrong for them to add money without my authorization. They are stating now my balance is 6341.26 as of 8-16-2013 but it was 6350.19 as 9-14-2012 before they added that additional 2879.00 on 9-28-2012. I have been faithfully paying since 4-27-2012. If they added that 2879.00 without my knowledge, what will stop them from adding more everytime I about to pay them off. Our agreement said all I have to pay was 8238.12. That was it. No more.

Desired Settlement: I want them to stick with the amount we agreed to 8238.12, and stop adding on amount we did not have orginally agreed to. I have records of all my payments that I have made. I want a letter from them to reflect what I orginally agreed upon and the amount I have paid reflecting the balance I owe. It is wrong what they are doing, just adding money and not telling me they are doing so.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* ******. We greatly appreciate this opportunity to respond.
 
Please be advised that our client added the amount in question for a pending injury they paid as a result of the automobile accident. That being said, we have agreed to remove the amount of $2,879.00 from the balance due. We would ask that Ms. ****** contact our office to re-set her payment plan.  We trust this resolves your concerns.

9/29/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: my name is listed on the collection as **** ************ however the at&t is ******** ****** ****** which is a corporation. I have been cut off on at least 2 occasions and my faxes go unanswered

Desired Settlement: put the proper name on the acct. ******** ****** ****** and stop contacting me because I have sent [faxed] the paper work showing the cancellation date of the at&t service at&t are fraudulently billing me

Business Response: Our office is in receipt of the complaint filed by Mr. **** ************. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with Mr. ************’s request to stop contacting him. That being said, we have put our client on notice of this complaint; however, we cannot control any actions they may take in regard to this matter.  We trust this resolves your concerns.

9/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have an item that is on my credit report from this company that I have no knowledge of. They say it is from Progressive, but yet Progressive has no knowledge of my account. I have asked them for proof that I owe this debt and they have been unable to provide it to me. Because they are unable to provide proof, and because I know I do not owe anything to Progressive, I would like this fraudulent account removed from my credit report immediately. It has done harm to my credit report, and it continues to do harm to me.

Desired Settlement: I would like this item removed from my credit report.

Business Response: Our office is in receipt of the complaint filed by Ms. ********* ********. We greatly appreciate this opportunity to respond.
 
Contrary to Ms. ********’s assertion that she has no knowledge of our company, we sent her several letters to the same address listed in her complaint, and there is no record of any mail being returned as undeliverable on the account. Among the letters was our initial letter that included the required disclosures. We also sent her a letter advising her that the account would be reported to the credit bureaus. Further, we have no record of any correspondence or telephone calls from Ms. ******** as she alleges. That being said, we have closed this account with our office and instructed the credit bureaus to delete the account. Please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records.  We trust this resolves your concerns.

Consumer Response: 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. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

9/18/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: An agreement was made to settle an account in the amount of $430.00. Reference # ***********. I told the company that a third party was going to make the payment and they did make the payment on 9/3/13. Today I received a bill for $143.00 stating that it must be paid immediately. I called the company and explained to them that this was paid in a settlement and paid by a third party. I was informed that since it was paid more than 7 days late, that the settlement was void and the full amount was due. I was never informed of this when I first spoke to them when the settlement offer was accepted by them. The person I spoke to was rude and forceful in trying to get payment.

Desired Settlement: I want this account settled for the original settlement amount of $430.00. I want no further contact from this company.

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

Contrary to Mr. ******’s concerns, he was advised that the settlement amount would only be valid for seven (7) days. That being said, we have closed this account as settled in full and Mr. ****** will not hear anything further from us in regard to this matter.   We trust this resolves your concerns.

Consumer Response: 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, however they are not correct in stating that they informed me that I had 7 days to pay. They were informed that it was being paid by a third party.  I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

9/6/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I contacted Credit Collection Services on 7/26/13. I spoke to a rep there named ***** *. He assured me that if I paid my bill in full online that it would be deleted from my Transunion credit report within 7-10 business days. I went online to www.ccsnotice.com on 8/1/13. I logged into my account online and was provided the following message: 'This message will confirm our intention to remove the above referenced account from the credit bureau(s) upon receipt of payment in full. Thank you for your cooperation.' I proceeded to pay the amount in full that was due. I called CCS on 8/7/13 and spoke to ******** *. She advised that the payment had posted and that notification would be sent to the credit bureau on 8/9/13 to delete the account. I reached out to the credit bureau on 8/15/13 and the account was not removed. I called CCS again on 8/12/13 and talked to *****, who was very rude, and was advised that I needed to wait longer. I pulled my credit report on today, 8/25/13, and the account still remains on my Transunion report. I would like the account removed from my Transunion report per my agreement with CCS when I paid in full.

Desired Settlement: I would like this account deleted from my Transunion credit report ASAP. I would also like confirmation in writing that this has been done. Per CCS's site when I paid, 'This message will confirm our intention to remove the above referenced account from the credit bureau(s) upon receipt of payment in full. Thank you for your cooperation.' I paid in full and now would like CCS to honor their end of the agreement.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* ******. We greatly appreciate this opportunity to respond.
 
Contrary to Ms. ******’s allegations, our telephone representatives were polite and professional at all times. Further, please be assured that we followed through with what Ms. ****** was advised on the phone and instructed the credit bureaus to delete the account within seven (7) days of receiving her payment. Please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records. If after thirty (30) days the account is still showing on her credit, she can contact jstoddard@ccsusa.com and we will again instruct the credit bureaus to delete the account on her behalf.  We trust this resolves your concerns.

9/1/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Dear Dispute 
I am writing in reference to the AT&T acct. Enclosed is copies of the reason why this acct. escalated so high I paid the last bill that was due....We have so much on us , due to sickness ..When at&t was combines with dish network , these charges were added on to the bull leaving the entire bill high. Dish charges for boxes that was returned to them. You can see that from the bill that shows for September 7 , 2008. The amount were 339..52 making the entire bill $484.46. I always paid my monthly bills. My bills were only anywhere from $113.40 to around $124.00 per month . Credits given were $75.00 July 16 , 2008...Again $210.48 ...$36.02...Oct 8...then on aug. 7th I WAS overcharged 69.366: it should have been $32.95... All of this took place when the uncombined the bills...I am disputing the amt of 339.52...$69.66 and 275.00 on July 3rd...
Please adjust your records accordingly . I have never seen nothing like this before . There is a lot of people that said there bills are all messed up ...***** ***** 
(see attached) 

Desired Settlement: see attached

Business Response: Our office is in receipt of the complaint filed by Mr. ***** *****. We greatly appreciate this opportunity to respond.   Please be advised that this account has been closed with our office since October 2012, and Mr. ***** has not heard anything further from us since that time. Please note that Mr. *****’s concerns are not the result of our practices or actions taken by our company, but appear instead to be directed toward our client based on Mr. *****’s belief that he is due an adjustment of the balance from them. Accordingly, we have put our client on notice of this complaint.   We trust this resolves your concerns.

8/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My name is **** ******. I reside in **********,CA and took a payday loan out with ACE Check cashing. I have received numerous phone calls from the CCS Group and they state I have a balance with there company. I called there phone number left on my voicemail ###-###-#### and was given the option for a Installment Agreement for 3 payments of $137.99 totaling $413.97 to pay off my balance. I requested to start this Installment Agreement in September and CCS Group wanted a down payment today. I was not able to make a $137.99 payment and the call ended. Since than I have heard from my two references I wrote on my payday loan application with ACE check cashing and they are checking my credit report and contacting other people related to me, my brother, my sister and mother. I understand I owe this balance and want to settle on this balance for the $437.99 but like other hard working Americans I do not have money to pay for this initial payment and asking that CCS Group set up a Installment Agreement starting in September at 3 payments of $137.99 totaling $413.97 as offered on 8/22/13 with my call to ###-###-#### case#******. I believe CCS Group is part of the CCS Companies and they use various names to write it off that another company contacted me. I orginally loaned $255.00 for $300.00 to be paid back and realize I did put it off and will pay $437.99 but they collection practices are very aggresive and unjust. Contacting parties over than myself or those on the loan application has made me very angry and I am trying to stay level headed by using the BBB.

Desired Settlement: Asking that a 3 month Installment Agreement be set up at $137.99 a month for a total of $413.97 to settle the balance with ACE check cashing loan that the balance exists on and further contact with CCS Group collectors be directed at me: **** ****** **** ****** *** **********, CA ***** ###-###-#### or ###-###-####. I have a big problem with those not on the orginal loan document being contacted and that makes me very angry.

Business Response: We are not the CCS that Mr. ****** refers to in his complaint, and we are not associated with this company in any way or form. The company that Mr. ****** refers to in his complaint is the CCS Group- we are The CCS Companies.   Please be advised that we called the phone number listed in Mr. ******’s complaint. The company’s automated greeting said the name of the company was Choice Communication Services (also not a company we are associated with). I was then greeted by a live representative, who referred to the company as the “CCS Group”. I was then transferred to a supervisor named *****, who refused to provide me with the address of the company.   As a company that has been in business for over 60 years, we are very angry and disappointed that our name is being associated with this other company. We hope that you will take steps to immediately investigate and stop the reprehensible actions of this rogue debt collector. We would also appreciate any more information either the BBB or Mr. ****** can obtain regarding this company, such as the owner’s name and contact information, and an address for the company.   We trust this resolves your concerns as to our company.

Consumer Response: 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.

8/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I tried to contact Credit Collection Services a month ago and asked that they explain a letter that I had recieved dated July 1, 2013 stating that I owe Progressive $246.29. I had asked that they validate the accuracy of the debt in question. I had asked that they respond in a timely manner in compliance of the Fair Debt Collection Practices Act. As of this date neither the agency nor Progressive have tried to contact me. I will be writting them personally with the signed certified mail reciept, showing that they did indeed recieve my letter a month ago.

Desired Settlement: Validate the debt in question.

Business Response: Our office is in receipt of the complaint filed by Ms. ****** ****. We greatly appreciate this opportunity to respond.
 
Please be assured that this account has been on hold since we previously spoke to Ms. ****. Immediately following our conversation with her, verification of the account was requested from our client. Please note that we cannot control the speed in which our client provides us with verification of the account. Further, please be advised that the Fair Debt Collection Practices Act (FDCPA) does not prescribe a deadline in which verification of the account must be provided by. The FDCPA states that the account should be placed on hold, which it has been, until verification of the account is provided to the consumer.  We trust this resolves your concerns.

Consumer Response: 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.

Please contact me when you have recieved a response for my debt in question.

8/16/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Bill was delivered to another person with the same last name as me. The person is a student at a university where my daughter happens to also be a student...caused embarrassement to my daughter.

Desired Settlement: Would like more specific details about bill...who was this service for? And would like to get bill waived since I had no knowledge of bill.

Business Response: Our office is in receipt of the complaint filed by Ms. ***** ****. We greatly appreciate this opportunity to respond.
 
Please be advised that we cannot locate a file with the information provided in Ms. ****’s complaint. If she could kindly provide us with a copy of the letter in question by uploading it to the BBB’s Complaint Management System, we would be happy to review her concerns further.  We trust this resolves your concerns.

Consumer Response: 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.

8/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a disturbing voicemail from a collection agency CCS group. After listening to the voicemail I contacted the agency with the number left for me. The Representative reported that I wrote a Bad or Fraudulent check. I informed the Rep, I have not written any checks lately. The Rep then reported they purchased an account from an ACE cash advance. I then informed him I was familiar with this. I then asked the Rep to mail me correspondent to make sure this was a real agency. The Rep then asked for a check by phone or my debit card information. I refused to give it to her because they were not willing to provide me with correspondence in regards to this debt. The Rep threatened to have a process serve me paperwork at work or at home. I informed the Rep I would pay the debt however I need to see documentation; however the Rep still refused to provide documentation. Lastly, the same agency contacted my mother and revealed that I have written several fraudulent check and they needed to get in touch with me. They tried to gain person information from my mother however she would not release any information to them.

Desired Settlement: I owe a debt, however I would like correspondents to show this company has bought the debt and how much the debt really is.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* *****. We greatly appreciate this opportunity to respond.
 
Please be advised that it appears this complaint was sent to us in error. The complaint in question should be directed to the “CCS Group”. Please note that the name of our company is Credit Collection Services, and “ACE cash advance” is not a client of ours.  We trust this resolves your concerns as to our company.

Consumer Response: 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.

Business Response: We regret that our previous response was not satisfactory to Ms. *****; however, as we stated previously, we are not the company that was contacting Ms. *****. It appears that she is being contacted by a company that has a similar name. If Ms. ***** should receive any further calls, we recommend that she obtain as much information about the company as possible and provide it to the Better Business Bureau. Specifically, she should find out the full name, address, and callback number for the company that is calling her. We trust this resolves your concerns.

Consumer Response: 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.

8/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: July 13, 2013 Credit Collection Services *** ***** Avenue ******, MA ***** Re: ***** ******* File Number: ** **** ***** ***************** Dear Sir or Madam: I am today in receipt of your letter with the caption “WARNING NOTICE.COM WARNING NOTICECOM”.I have never received a collection letter in my life.Your letter states that you are a collection agency licensed by the State of Illinois and you are attempting to collect a debt you daim is owed by me to Comcast. THIS DEBT IS HEREBY DISPUTED IN FULL- Especially considering the FACT that Comcast owes me a refund. DEMAND IS HEREBY MADE FOR MONIES DUE T0 ME FROM COMCAST.The chronological follow:I cancelled Comcast services on May 11, 2013. It took several days for Comcast to “release” my phone number to my new service provider. So many days thm we had to be provided with a temporary phone number while we waited. Once you cancel üleir service, Comcast intends and does harass you in every conceivable manner. I guess it makes them mad when one cancels meir service.Comcast advised me that they would ship prepaid rerum shipping materials to me in order for me to return their equipment, which was neatly stacked and ready to rerum to them on 5/11/13.I was in contact with Comcast a minimum of fñve times to request their promised shipping prepaid packaging to return their equipment (at this point equipment unused due to cancellalíon of service). I was told each time that the packaging would be sent within three to or seven to ten (depending on which representative was speaking to) business days and my address was by them each time. The rerum packaging didn’t come for weeks and weeks. Meantime, Comcast is calling me almost daily and l am receiving bills for $94.00, for $420.00 and for other diíïerent amounts. The fact is, that Comcast owes me money because my account, like all of their accounts, was prepaid and since I cancelled my service, they owe me a refund for service prepaid and never used provided.They dragged their heels, kept promising the return packaging week after week. Their failure to perform as promised is just that. Their failure. Not mine. Now, they want to collect money from someone who cancelled their service and was provided with nothing but grief since that time.If this doesn’t qualify as a scam I don’t know what does. I have perfect credit. Check it out. They DELIBERATELY DRAGGED THEIR HEELS TO TRY TO EXTORT MONEY FROM ME WHILE PROVIDING NOTHING. What a sad state of affairs that they are so desperate that they can't just collect  (exorbitant) fees from their customers . YOU WILL BE PUNISHED IF YOU DARE TO CANCEL THEM.I finally received the return packaging materials on July 5, 2013 and returned their equipment within three business days.CREDIT COLLECTION SERVICES CEASE AND DESIST IMMEDIATELY! IT IS REQUIRED THAT YOU IMMEDIATELY RETRACT YOUR LETTER IN WRITING.If you fail to do so, appropriate action will be taken.Please advise your client that I EXPECT A REFUND OF THE MONEY OWED TO ME WHICH WAS PREPAID AND NO SERVICE PROVIDED. I REQUIRE THAT MY MONEY BE REFUNDED WITHIN FIVE (5) business days of your receipt of this correspondence. Very truly yours,  **** ****** Enclosures: Return receipt for equipment shipped to Comcast within three business days after receiving Collection Letter Service List

Desired Settlement: see Attached document

Business Response: Our office is in receipt of the complaint filed by Ms. **** ******. We greatly appreciate this opportunity to respond.   Please be advised that Ms. ******’s concerns do not appear to be with our office’s handling of the account. That being said, we have already received Ms. ******’s letter advising us to cease and desist our collection attempts. Accordingly, the account was closed with our office and Ms. ****** will not hear anything further from us in regard to this account.   We trust this resolves your concerns.

8/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This CCSOffices.com company has violated the FDCPA laws and my rights as a debtor. On Sunday, July 28th, 2013, I received another harassing call from this agency, after I had already expressed to the company that they are to remove my number and cease communication with my number. The agent on the other end assured me all communication would cease. About two days later I was still receiving three to four phone calls a day, which violates the FDCPA, as well as communications on Sunday, which in fact their own website says they are not open. But indeed I did receive another phone call from this company, this time I was able to get the agents name, Susan Welshman, now whether that is her real name or an alias, she was threatening me as soon as I told her they were violating the FDCPA, by stating that my unpaid debt would result in a lawsuit and jail time on my end. She also stated there was no FDCPA laws in place and to fax over the written law. When I had told her I would certainly do so because they are violating the law and my rights, the agent used profound language at me and then hung up the phone.

Desired Settlement: I now feel that since this company is violating my rights and also the FDCPA laws, they should no longer be in business.This company needs to be looked into, and the debt collector, Susan Welshman should automatically be terminated from her position, for violating my rights under the FDCPA, by using profanity, and threatening me. This company needs to be shut down, also I feel since my rights were violated my debt should be uplifted and void.

Business Response: Our office is in receipt of the complaint filed by Ms. ********* *********. We greatly appreciate this opportunity to respond.
 
As a preliminary matter, please be advised that we have closed this account with our office and Ms. ********* will not hear anything further from us in regard to it.
 
Contrary to her concerns, the telephone call in question was our first and only conversation with Ms. *********. During the call, we did not threaten Ms. ********* in any way, including threatening her with a lawsuit or jail time as she alleges. Also, our telephone representative did not use profanity. Please be assured that our telephone representative was polite and professional despite Ms. ********* using profanity towards our telephone representative. Further, please be assured that all calls were made in accordance with all applicable regulations.
 
We trust this resolves your concerns.

8/12/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Credit Collection Services keeps sending me a bill for $3606.23 that has been paid for through my Farmers insurance company and I even got in contact with them over this. They will not stop telling me I owe them money when I don't owe them anything at all. This is harassment and I view this as an outright scam since this debt was paid in full last March 2013 to Farmers Insurance at a total pay off of $3606.23. I'm about to go for a lawsuit for harassment and making my credit line look bad when it should not be like this. These people just don't get it. The debt was paid off and I am sick and tired of being harrashed by them for a past debt I do not owe to them or anybody. I will say this one last time. This bill was paid off in full last March 2013 to Farmers Insurance for an automotive accident.

Desired Settlement: Stop this harassment and get with Farmers Insurance and they will tell you the debt has been paid in full by a Bank Certified Check on March 2013. They were the ones that turned me into collections for a debt I already paid off.

Business Response: Our office is in receipt of the complaint filed by Mr. ******** *********. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with Mr. *********’s request to stop contacting him. Further, we have reviewed Mr. *********’s concerns with our client and they have advised us that the claim is paid in full. Further, they have instructed us to close our file for this matter. Please also be assured that we did not send this file to any credit bureau.  We trust this resolves your concerns.

Consumer Response: 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.

8/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Reporting Collection Account that HMO should have covered. Requested verification of original debt and proof that original creditor submitted claim to Insurance. NO RESPONSE. Filed dispute with Credit Bureaus - NO RESPONSE. Offered payment for Deletion - NO RESPONSE and NO VERIFICATION DOCUMENTATION GIVEN OR EVEN OFFERED. Expected to simply 'take their word for it'.

Desired Settlement: Reporting Collection Account that HMO should have covered. Request verification of original debt and proof that original creditor submitted claim to Insurance.Have rec'd ZERO RESPONSE from CMRE. PROVE THAT CLAIM WAS SUBMITTED AND DENIED - OR REMOVE FROM CREDIT REPORT.

Business Response: Our office is in receipt of the complaint filed by Mr. ******* ********. We greatly appreciate this opportunity to respond.
 
Please be advised that we have no file for Mr. ********. If he is contacting us about someone else’s file, then please note that we cannot discuss a file with any third party in the absence of consent directly from the consumer.  We trust this resolves your concerns.

Consumer Response: 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.

This company has reported on my credit report citing my ACCT NO.******** - PO BOX **** *******, MA ***** - Phone number (***)********    

Business Response: We regret that our previous response was not satisfactory to Mr. ********. That being said, as we advised previously, we do not have any account for Mr. ******** with the file number that he provided. If Mr. ******** could please send us a copy of his credit report with the account in question listed, then we would be happy to review his concerns further. We trust this resolves your concerns.

8/9/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is collecting money for Allstate Insurance Company for $699.08. They debited this amount from my bank account without notification or permission. I had paid my mother's insurance policy for the prior period with a check, and they unlawfully without my consent and permission saved the routing and account numbers to automatically bill this amount. My mother had chosen not to go with Allstate and instead with another insurance company, and I was shocked to find out that there was a $699.08 charge listed on my checking account. When I asked my mother about it she said that she did not authorize it. I certainly did not authorize it! They then put my mother into credit collections for this amount. This is not acceptable and is not an ethical business practice.

Desired Settlement: Please take my mother off the collections list. This is a false claim.

8/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Our company received a collection notice from Credit Collection Services in the amount of $9,051 regarding Allstate Insurance Company. We do not owe this money! This was supposedly a subrogation claim from Allstate. However, as I stated above, when I called Allstate, I spoke with ******* ******* and she stated that Allstate did not pay anything out on this claim. I called CCS back and spoke with ******* ***** who told me that they were an extension of Allstate and that Allstate did pay out $9,051. I then talked with **** ********* with CCS (who by the way was useless in the way of helping me). I told him the situation and asked for the person's contact information with Allstate that submitted this claim to him. He refused to give me Allstate's information. If I remember correctly, he told me that I could just look up their number on line and contact them that way. Again, he REFUSED to give me the creditor's contact information! The next day, July 3, 2013, I spoke with ****** from Allstate (not from information given to me by **** *********) who told me that we do not owe this money. She stated that she would send CCS and our office notice that this has been dropped. On July 5, 2013. I tried to get on the website notated on the CCS notification (www.Warning Notice.com) for payment processing to make sure that it had been deleted from their system (since I really did not want to speak with anyone from CCS). I did not find a place for payment processing at all on this website. So I called CCS (lucky me!). I spoke with ***** *****. I asked to speak with **** *********. ***** ***** told me that **** ********* would not be in the office until 3 pm. I asked to speak with **** *********'s supervisor. ***** ***** refused to tell me who **** *********'s supervisor was! Are you kidding me? Is this a secret? Really? He told me that **** ********* could tell me that when he called me back this afternoon. ***** ***** told me that he could let me speak with another supervisor but again refused to let me speak with or tell me the name of **** *********'s supervisor was! He connected me with another supervisor, ***** ********, who told me that **** *********'s supervisor was ***** ******** but she was not available to speak with. Why does this not surprise me? Just wondering if this is how they treat everyone.

Desired Settlement: I want this collection deleted along with an apology letter from **** ********* as well as the president of the company! I would also like a copy of the letter sent to the corporate offices of Allstate Insurance Company. I also want to know from CCS if they are really an extension of Allstate and if this is their standard practice of how they treat people.

Business Response: Our office is in receipt of the complaint filed by Ms. ***** ******* on behalf of the company we were attempting to contact. We greatly appreciate this opportunity to respond.
 
Please be assured that our client placed this file with our office with the name of the business as the responsible party. Subsequent to contacting the company, please be advised that our client advised us to close the file. Neither Ms. *******, nor the company will hear anything further from us in regard to this matter.  We trust this resolves your concerns.

Consumer Response: 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.  

I am requesting an apology letter from the company regarding the way I was treated.    There is a right way and a wrong way to treat someone and their customer service is lacking.  I would also like the name and address of the owner/board members, etc to this company.  Do they know how their employees are treating people?    

Business Response: We regret that our previous response was not satisfactory to Ms. *******. As we advised previously, this matter was sent to our office with the name of the business as the responsible party. Our client has since advised us to close the file, and neither Ms. *******, nor the business will hear anything further from us in regard to this matter. Please also be assured that our telephone representatives were polite and professional. We trust this resolves your concerns.

Consumer Response: 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.

I still have not received an apology letter.   They maintain that their employees were polite and professional.  Maybe they should record their calls and listen back to them.  If my employees talked that way to our customers, they would be terminated.  I will not be satisfied until I receive an apology letter.  At this point, they have denied any wrong doing.

8/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: While going through my credit report I noticed that this company was on my report with account number ****. That is the partial number. It stated it was for progressive insurance. The amount owed was now $0. I have never has progressive insurance and want this removed from my credit report. I have disputed this many times and they refuse to delete. It this does not settle it I will file a complaint with the FTC next week.

Desired Settlement: Deleted from credit reports

Business Response: Our office is in receipt of the complaint filed by Mr. ******* *******. We greatly appreciate this opportunity to respond.
 
Contrary to Mr. *******’s concerns, please be assured that our client sent this account to our office with Mr. ******* as the responsible party. Back in September 2011, our office sent Mr. ******* our initial letter to the same address listed in Mr. *******’s complaint. In November 2011, we had spoken to Mr. ******* and he had agreed to make payments to our office. Mr. ******* did not follow through with that payment plan, but instead paid our client directly several months later in February 2012.
 
Please be advised that at the time the account was paid, we immediately notified the credit bureaus to mark the account as closed as paid in full. Although we have correctly updated the account with the credit bureaus, we have agreed with Mr. *******’s request to delete the account from the credit bureaus. Please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records.  We trust this resolves your concerns.

Consumer Response: 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.

8/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Information was placed on my credit report falsely. Progressive insurance had miss billed me and we corrected our dispute on the cancellation date issues. Information appeared on my credit report without any Dunning letter received. Documents I later found were sent to incorrect and false addresses of another person with the same name that I have had identity issues with before. Being this isn't their fault at this point I sent Validation letters but never received a reply from any of the 3 addresses I have found for them. Information wasn't corrected from these attempts to validate and get more information.

Desired Settlement: Removal of information on Credit Reports

Business Response: Our office is in receipt of the complaint filed by Mr. ****** ********. We greatly appreciate this opportunity to respond.
 
Please be advised that we have not received any correspondence from Mr. ********. That being said, our client notified us of a direct payment they received from Mr. ******** for the full amount due. We have already closed our file and are in the process of instructing the credit bureaus to delete the account. Please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records. We trust this resolves your concerns.

Consumer Response: 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.

I would like to thank CCS for their quick response to the matter and doing the proper thing regarding the situation.  Few companies in their field would do that.  Thanks again. 

7/31/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Please note that CCS sent us a Collection notice dated 5/20/13 on behalf of a Subrogation Claim with Homesite Insurance. On June 4, 2013, we sent an official dispute letter to CCS letting them know that "It is our understanding that our insurance company has already responded to this subrogation claim. We are not liable for payment." On June 17, 2013, we received another Collection notice dated June 10, 2013. On June 18th, we sent another dispute letter related to this collection notice. On July 10, 2013, we received another Collection notice dated July 1, 2013. On July 11th, we sent another dispute letter related to this collection notice. On July 27, 2013, we received another Collection notice dated July 22, 2013. We have an expectation that Credit Collection Services either cease collection efforts of this debt we don't owe . . . OR . . . produce legal paperwork reflecting that we owe it. We have forwarded the appropriate information to our insurance carrier who has responded on our behalf that the fire in question was not our fault and therefore we are not responsible for payment in this insurance subrogration claim.

Desired Settlement: Removal of this erroneous debt from their records.

Business Response: Our office is in receipt of the complaint filed by Ms. ******** ******, a representative of the company we were attempting to contact. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with Ms. ******’s request to stop contacting her company. Although her company will hear nothing further from us in regard to this matter, please be advised that our client’s licensed insurance adjuster determined that the company is responsible for the damages caused from the fire, and we cannot control any actions they may take in regard to this matter. That being said, we would be happy to review this matter further if Ms. ****** can provide the contact information for her company’s insurance company, or provide the documentation from her insurance company that shows her company is not at fault.  We trust this resolves your concerns.

Consumer Response: 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.

7/26/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: enclosed are two notices from the above collectio company and copies of my letter to the Allstate Agent. Please note that on the Allstate cancellation letter that they are unable to offer you a policy with Allstate cancellation letter that the are unable to offer you a policy with Allstate Insurance Company. However, we are pleased to offer you a policy with Allstate Indemnity Company.

Desired Settlement: This offer I did Not accept, as I had arranged other coverage. Please accept this as a formal complaint and keep me advised as to their response

Business Response: Our office is in receipt of the complaint filed by Ms. **** ********. We greatly appreciate this opportunity to respond.
 
Please be advised that we have closed this account with our office and Ms. ******** will hear nothing further from us in regard to this matter. That being said, our client believes the account is due and we cannot control any actions they may take in regard to the matter. However, we would be happy to review Ms. ********’s concern that she obtained other insurance with our client if she could please send us a copy of the declarations page from her new insurance company. Upon receipt of the documentation we will send it to our client to review if an adjustment is due.  We trust this resolves your concerns.

Consumer Response: 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.

There has been NO response or any information from CCS. Please do not close    

Business Response: We regret that our previous response did not satisfy the concerns of Ms. ********. That being said, it is unclear why Ms. ******** indicates that there has been no response or any information provided by CCS. As we advised in our previous response, we have closed this account with our office and Ms. ******** will hear nothing further from us in regard to this matter. That being said, our client believes the account is due and we cannot control any actions they may take in regard to the matter. However, we would be happy to review Ms. ********’s concern that she obtained other insurance with our client if she could please send us a copy of the declarations page from her new insurance company. Upon receipt of the documentation we will send it to our client to review if an adjustment is due.  We trust this resolves your concerns.

7/26/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: Dear Better Business Bureau staff person:  Please refocus the attention of this collection agency on the incomplete contract of the laboratory - I have no copies of my medical data from the China Community Medical Clinic although they were requested 6 months ago to be mailed to a texas address ******** St , **** ****** , TX Zip *****. I will not pay for a product that I have not received ** ***** ********* **** *** Street **** ****** , TX ***** Medical records for ** ********** June 7, 2013

Greetings from Costa Rica, a semi-tropical paradise with dwarf grease ants in the kitchen and giant cockroaches under the shoes at the back of the closet. I invite you to a reality show here and another reality show that begins with a sample from my academic background. l graduated from my medical technology class salutatorian, ceding the Valedictorian honors to *** *********, a blue-eyed, blonde-haired Norwegian and Montana cowgirl from ******** ****, whom I had taught Physics to in high school five years earlier. The time disjuncture was caused by my serving in the Vietnam War, MOS - psychological warfare operations. Further, in 1985 I graduated from ********** **** with a Master’s in Parasitology and Laboratory Practice.

Your red face and Pinocchio #1: PSA antigen charged at $86.32 on February 7th and at $137.28 on February 19th. Your computer program did not Ílag the repeat testing after a mere l2 days and ask for a conñrm on the duplication. Your excuse is possibly a lack of communication of medical professionals, ***** **** (PA) and Dr. ******* CMD). Pinocchio #2: PSA antigen and PSA free, each charged at $86.32 on February 7th. From previous experience, knowing the cost of the PSA (both) kit, I would discount your $17 2.64 charge by half to $86.62, still allowing your lab a return profit. My insurance paid $134.62 and I was billed $38.02 to be paid by February 28th, Listen, such an end-of-the-month charge Was an acute squeeze on my missionary budget. Personally, l think my insurance paid you more than in full and eventually will pass the over-expense to me in higher premium costs. On February 12 , Dr. ******* was not as testing conservative as his PA ***** ****. He ordered up some protections against an accusation of malpractice with a lipid profile, TSH check on my thyroid condition, a PTT check on Pradaxa anticoagulant effect and a metabolic chemistry screen and A1C. Your lab conveniently split the charges on the HDL, cholesterol and triglycerides into three prestigious costs ($31.20, $52.00 and $39.52), when a lipid profile only requires two kits and an outlay of $61.36 from the outlook of my experienced bailiwick. At half price, the TSH ($60.32), the PTT (($17.16) and the A1C ($34.32), easy does it at the accounting office, please. My insurance paid $354. ll and passed $47.92 on to me, due by March 5th, shortly after bill paying at the first of the month. My money sock had a hole in it and so l applied for your patient assistance program or your indigent client pro bono plan. Pinocchio #3: Your computer system on February 19th did not recognize the aforementioned duplication of PSA antigen and also repeated a chemistry screen ($55 .7 i) Without prior telephonie check with the ordering physician, Dr *******. Pinocchio #4: On February Um you pressed for the payment cf $354.1i and then cn the 19th, an additional $233.55 with the only essential charge being a machine CBC ($40.56) which I would cniy charge at 3320 due to the massive number of CBCS going through your Coulter counter Hence for your total expênse of $267.61 your lab was handsomely paid $488.73 and you tried to eXtort me subsequently for $38.02 and $233.55 and $47.92.

Now, obviously I Work for the protection of my own pocketbook, but I should also be on an evaluation board for ***** to be vigilant over lab over-reaches, since you folks absconded with a windfall of $221.12 above the cost of labor and materials That represents a fetching 45% profit. Got-cha. Four Pinocchíos and many duplicated test charges. Good-bye. **** ** ********** P.S. Quest Diagnostics has not only practiced overcharging , but also has not fulfilled its contract through a subsidiary , China Community Clinic. I have no print outs of the results of the alleged laboratory testing. WK June 23, 2013

Desired Settlement: see attched

Business Response: Our office is in receipt of the complaint filed by Mr. **** **********. We greatly appreciate this opportunity to respond.
 
It appears that Mr. **********’s concerns appear to be with our client’s handling of the account, and not with CCS. That being said, we have closed this account with our office. Although we have closed this account, please be advised that our client believes the account is due and we cannot control any actions our client may take in regard to this matter.  We trust this resolves your concerns.

7/26/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: ccs placed a 208.00 non payment on my credit for Comcast cable . The bill is my son's that live in another town thy (****) agreed it's not my billed ,and then said she would not remove it till ***** * ******* paid the bill. ( my son ) And it will be 45 days after and I will have to buy a credit report and mail it to them.

Desired Settlement: Remove it from my Credit ASP

Business Response: Our office is in receipt of the complaint filed by Mr. ***** *******. We greatly appreciate this opportunity to respond.
 
Although Mr. ******* has not sent us a copy of his credit report showing the credit bureaus placed the account on his credit in error as he agreed to do, please be advised that we have agreed with Mr. *******’ request to delete this account from the credit bureaus. Please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records.  We trust this resolves your concerns.

Consumer Response: 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. 

She knows it's the wrong account and im not sending any report to them my son ***** * ******* has paid the account and they where blackmailing me and my report till he paid it . I want it removed from my report. You know do whats right  

Business Response: We regret that our previous response was not satisfactory to Mr. *******.  Although we had no proof the credit bureaus placed the account on the wrong credit report in error, as we previously advised, the credit bureaus were instructed to delete the account.  We trust this resolves your concerns.

7/24/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: My name is ***** ***** and I am being unjustly harassed by Credit Collection Services (CCS). My account was given to CCS in error for an AT&T balance I had paid. In February of 2013 I agreed to bundle my television, phone, and internet with AT&T, and unfortunately my AT&T account and my new U-verse account payment were confused and this caused my account to be on a list it shouldn’t have been on. AT&T acknowledges that I don’t owe them any money on either of the accounts, I was never delinquent on either account, and I have never had services discontinued. All of which has been told to CCS. CCS has harassed me by phone and by mail for four (4) solid months. I have repeatedly explained AT&T’s accounting error to CCS and gone so far as to send CCS a copy of my final AT&T statement via United States Postal Service showing a $218.93 credit balance. They also know that my AT&T service has never been cut off but CCS continues to hassle me. Please help me get these people to stop harassing me.

Desired Settlement: Please help me get these people to stop harassing me.

Business Response: Our office is in receipt of the complaint filed by Ms. ***** *** *****. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with Ms. *****’ request to stop contacting her. Although she will hear nothing further from us in regard to this account, please be advised that our client believes the account is due as evidenced by the verification of the account previously sent to Ms. *****.  Please note that we cannot control any actions our client may take in regard to this matter.  We trust this resolves your concerns.

Consumer Response: Thank you for assisting me in the issue. I have attached the final statement from my AT&T account (CCS Company's client) which shows a credit balance as I previously stated and sent to them as well. Unfortunatley CCS continued their harrassment and I had to file a complaint with you.

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.

7/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: CCS was retained by LabCorp to collect a debt (file number ** **** ***** DOC 04/11/2011) for ****** * ******. ****** * ****** is **** * ******'s son. However, due to federal guidelines, ****** was able to use **** ******'s insurance carrier until the age of 26. At the time of service, ****** was over the age of 18, therefore, **** no longer had financially responsibility for ****** ******. LabCorp never billed **** ****** for this service but then used his name for collection purposes. The insurance company has paid their portion of the invoice and the remaining balance due is ****** ******'s responsibility. Several phone calls and follow up letters have occurred between **** ****** with CCS with no success in correcting this error.

Desired Settlement: CCS needs to correction bill ****** ****** at the address provided to them. Further, CCS needs to remove from ALL credit agencies the collection account from **** ******'s credit report.

Business Response: Our office is in receipt of the complaint filed by Mr. **** ******. We greatly appreciate this opportunity to respond.
 
Please be assured that this account was placed by our client with **** ****** as the responsible party. Please be advised that this account is closed with our office and Mr. ****** will hear nothing further from us in regard to it. Further, we did not send this account to any credit bureau.  We trust this resolves your concerns.

Consumer Response: 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.

7/20/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: A representative contacted me three different times to attempt to collect a sum of money that I do not owe. The representatives stated that if I did not pay $536.07 (a debt CCS claims is from LabCorp) as soon as possible, they would negatively impact my credit. 1) This amount that CCS is attempting to collect is from 7/19/2011 and is currently not on my credit report, nor has LabCorp made any attempts to contact me about this so called balance that I owe. Because this date (7/19/2011) occurred when I was living in Florida, LabCorb (via CCS) has violated FL statute 559.72: 559.72 Prohibited practices generally.—In collecting consumer debts, no person shall: (1) Simulate in any manner a law enforcement officer or a representative of any governmental agency. (2) Use or threaten force or violence. (3) Tell a debtor who disputes a consumer debt that she or he or any person employing her or him will disclose to another, orally or in writing, directly or indirectly, information affecting the debtor’s reputation for credit worthiness without also informing the debtor that the existence of the dispute will also be disclosed as required by subsection (6). (4) Communicate or threaten to communicate with a debtor’s employer before obtaining final judgment against the debtor, unless the debtor gives her or his permission in writing to contact her or his employer or acknowledges in writing the existence of the debt after the debt has been placed for collection. However, this does not prohibit a person from telling the debtor that her or his employer will be contacted if a final judgment is obtained. (5) Disclose to a person other than the debtor or her or his family information affecting the debtor’s reputation, whether or not for credit worthiness, with knowledge or reason to know that the other person does not have a legitimate business need for the information or that the information is false. (6) Disclose information concerning the existence of a debt known to be reasonably disputed by the debtor without disclosing that fact. If a disclosure is made before such dispute has been asserted and written notice is received from the debtor that any part of the debt is disputed, and if such dispute is reasonable, the person who made the original disclosure must reveal upon the request of the debtor within 30 days the details of the dispute to each person to whom disclosure of the debt without notice of the dispute was made within the preceding 90 days. (7) Willfully communicate with the debtor or any member of her or his family with such frequency as can reasonably be expected to harass the debtor or her or his family, or willfully engage in other conduct which can reasonably be expected to abuse or harass the debtor or any member of her or his family. (8) Use profane, obscene, vulgar, or willfully abusive language in communicating with the debtor or any member of her or his family. (9) Claim, attempt, or threaten to enforce a debt when such person knows that the debt is not legitimate, or assert the existence of some other legal right when such person knows that the right does not exist. (10) Use a communication that simulates in any manner legal or judicial process or that gives the appearance of being authorized, issued, or approved by a government, governmental agency, or attorney at law, when it is not. (11) Communicate with a debtor under the guise of an attorney by using the stationery of an attorney or forms or instruments that only attorneys are authorized to prepare. (12) Orally communicate with a debtor in a manner that gives the false impression or appearance that such person is or is associated with an attorney. (13) Advertise or threaten to advertise for sale any debt as a means to enforce payment except under court order or when acting as an assignee for the benefit of a creditor. (14) Publish or post, threaten to publish or post, or cause to be published or posted before the general public individual names or any list of names of debtors, commonly known as a deadbeat list, for the purpose of enforcing or attempting to enforce collection of consumer debts. (15) Refuse to provide adequate identification of herself or himself or her or his employer or other entity whom she or he represents if requested to do so by a debtor from whom she or he is collecting or attempting to collect a consumer debt. (16) Mail any communication to a debtor in an envelope or postcard with words typed, written, or printed on the outside of the envelope or postcard calculated to embarrass the debtor. An example of this would be an envelope addressed to “Deadbeat, Jane Doe” or “Deadbeat, John Doe.” (17) Communicate with the debtor between the hours of 9 p.m. and 8 a.m. in the debtor’s time zone without the prior consent of the debtor. (a) The person may presume that the time a telephone call is received conforms to the local time zone assigned to the area code of the number called, unless the person reasonably believes that the debtor’s telephone is located in a different time zone. (b) If, such as with toll-free numbers, an area code is not assigned to a specific geographic area, the person may presume that the time a telephone call is received conforms to the local time zone of the debtor’s last known place of residence, unless the person reasonably believes that the debtor’s telephone is located in a different time zone. (18) Communicate with a debtor if the person knows that the debtor is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney’s name and address, unless the debtor’s attorney fails to respond within 30 days to a communication from the person, unless the debtor’s attorney consents to a direct communication with the debtor, or unless the debtor initiates the communication. (19) Cause a debtor to be charged for communications by concealing the true purpose of the communication, including collect telephone calls and telegram fees. 2) I am on a medicaid HMO plan currently in the state of GA and previously and FL and all of the billing is handled through the Medicaid, therefore, all of my medical care is covered in full by Medicaid HMO insurance. Why is CCS trying to collect a debt on something that has already been paid? As this date (7/19/2011) occurred when I was living in Florida, LabCorp (via CCS) has violated FL statute 641.3154: (1) If a health maintenance organization is liable for services rendered to a subscriber by a provider, regardless of whether a contract exists between the organization and the provider, the organization is liable for payment of fees to the provider and the subscriber is not liable for payment of fees to the provider. (2) For purposes of this section, a health maintenance organization is liable for services rendered to an eligible subscriber by a provider if the provider follows the health maintenance organization’s authorization procedures and receives authorization for a covered service for an eligible subscriber, unless the provider provided information to the health maintenance organization with the willful intention to misinform the health maintenance organization. (3) The liability of an organization for payment of fees for services is not affected by any contract the organization has with a third party for the functions of authorizing, processing, or paying claims. (4) A provider or any representative of a provider, regardless of whether the provider is under contract with the health maintenance organization, may not collect or attempt to collect money from, maintain any action at law against, or report to a credit agency a subscriber of an organization for payment of services for which the organization is liable, if the provider in good faith knows or should know that the organization is liable. This prohibition applies during the pendency of any claim for payment made by the provider to the organization for payment of the services and any legal proceedings or dispute resolution process to determine whether the organization is liable for the services if the provider is informed that such proceedings are taking place. It is presumed that a provider does not know and should not know that an organization is liable unless: (a) The provider is informed by the organization that it accepts liability; (b) A court of competent jurisdiction determines that the organization is liable; (c) The office or agency makes a final determination that the organization is required to pay for such services subsequent to a recommendation made by the Subscriber Assistance Panel pursuant to s. 408.7056; or (d) The agency issues a final order that the organization is required to pay for such services subsequent to a recommendation made by a resolution organization pursuant to s. 408.7057. (5) An organization, the office, and the department shall report any suspected violation of this section by a health care practitioner to the Department of Health and by a facility to the agency, which shall take such action as authorized by law.

Desired Settlement: I am requesting that CCS stop all harassing calls and do not negatively impact my credit

Business Response: Our office is in receipt of the complaint filed by Mr. ******* *******. We greatly appreciate this opportunity to respond.
 
Contrary to Mr. *******’s concerns, CCS was in compliance with all applicable regulations. That being said, please be advised that we have closed this account with our office. Please note that although we have closed the account, we cannot control any actions our client may take in regard to this matter. Also, please be assured that we did not send this account to any credit bureau.  We trust this resolves your concerns.

Consumer Response: 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.

7/17/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is collecting money for Allstate Insurance Company for $699.08. They debited this amount from my daughter's bank account without notification or permission. My daughter had paid my insurance policy for the prior period with a check, and they unlawfully without my consent and permission saved the routing and account numbers to automatically bill this amount. I had chosen not to go with Allstate and instead with another insurance company, and I was shocked to find out that my daughter had a $699.08 charge listed on her checking account. They then put me into a credit collections for this amount. This is not acceptable and is not an ethical business practice.

Desired Settlement: Stop contacting me or my daughter; I am to be taken off the collections process, and I desire a refund.

Business Response: Our office is in receipt of the complaint filed by Ms. ****** ***. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with Ms. ***’s request to stop contacting her. Please note that her remaining concerns are with our client, and not this office. Accordingly, we are forwarding a copy of this complaint to our client; however, we cannot control any actions our client may take in regard to this matter.  We trust this resolves your concerns.

Consumer Response: 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.

I will expect that with the forward of this original complaint to your client (Allstate Insurance Company), and with the direct complaint that I have made against them, they will remove me from your collections list and drop the charge of $699.08. If they do not do so, I will re-instate/re-issue another complaint with your business. 

7/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a collection letter from Credit Collection Services on behalf of Time Warner Cable. I have never in my sixty years of living ever had cable service in my name. Secondly, the address that I alleged to have requested this service is not my address and I do not know anyone with this address. I have tried contacting Credit Collection Services and Time Warner to discuss this matter and to report a for sure Fraud by someone who may have stolen my identity. By certified mail **** **** **** **** ****, and no response. They are reporting this inaccuracy on my credit reports and I need to get it corrected by having it deleted from my credit report as I do not owe nor have I ever had an account with Time Warner for Cable Services.

Desired Settlement: Remove this inaccurate information from my credit report immediately.

Business Response: Our office is in receipt of the complaint filed by Ms. **** ********. We greatly appreciate this opportunity to respond.
 
Please be advised that Ms. ********’ account was previously closed with our office upon receipt of correspondence from Ms. ********. Further, we sent Ms. ******** correspondence indicating the account had been closed and the credit bureaus were instructed to delete the account.  We trust this resolves your concerns.

Consumer Response: 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 if they follow through.

7/15/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: Made settlement offer to agent for $182.07 for balance of $242. Mailed check (#******) on *** 23rd 13 and was received . $60 was left on my credit report. Called yesterday July 9th and spoke with a manager (****** ***) who said they money was not received in the 10 day window per agreement . Explained that agent did not have a problem with when we told him check was going to be mailed . *** offered to allow a $564 settlement and would not honor agreement . 

Desired Settlement: I would like the $60 to come off my credit report and for CCS to honor payment we agreed upon. 

Business Response: Our office is in receipt of the complaint filed by Mr. ******** ********. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with Mr. ********’s request to close the account and delete the account from his credit bureaus. Please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records.  We trust this resolves your concerns.

Consumer Response: 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.


7/7/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Credit Collection Services Two wells Ave. Newton, MA, 02459
RE: ***** ** ***** ***

Dear Sir,
Not sure what all of this is about... my son, ***** *** died this past November *, 2012. His local agent was so informed several weeks after he died. They also were told that the vehicle was going to be sold. It was sold very shortly after his death. If you do report this to any credit reporting source Please be sure that the report is on ***** ** ***** ***, and not on ***** ***** ***. Be sure and mention that the report is on a diseased person. Sincerely, cc.Better Business Bureau 1005 La Posada Dr. Austin, Texas 78752

Desired Settlement: see Attached document

Business Response: Our office is in receipt of the complaint filed by Mr. ***** *****. We greatly appreciate this opportunity to respond.   Please be advised that this matter has been closed with our office and Mr. ***** will hear nothing further from us in regard to this matter. Further, please be assured that we did not send any account to Mr. *****’s credit.   We trust this resolves your concerns.  

7/7/2013 Problems with Product/Service | Complaint Details Unavailable
7/7/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: May 27th, 2013

RE: Complaint: Credit Collection Service, P.O. Box 9134, Needham, MA 02494

Dear BBB Staff,
I am writing you in an attempt to file a complaint against Credit Collection Service. I have written them numerous times and provided them with documentation showing I was incarcerated in federal prision until September 2012. I also sent documents showing how many other companies have dealt with the theft of my identity. I simply want this erroneous information removed from my credit report and collection stopped. I have endorsed copies of the documents which I sent Credit Collection Service. I have also listed my identifying information below. Your attention and assistance in this mattger is appreciated.

sincerely,
******* *** ******, SS#: ***** , DOB: March ***, 19**

Desired Settlement: I simply want this erroneous information removed from my credit report and collection stopped.

Business Response: Our office is in receipt of the complaint filed by Mr. ******* ******. We greatly appreciate this opportunity to respond.
 
Please be advised that we are unable to locate an account for Mr. ****** with the information provided in his complaint. If Mr. ****** could please send us a copy of his credit report listing the account in question, along with a completed identity theft affidavit and police report, we would be happy to investigate his concerns further.  We trust this resolves your concerns.
 

7/6/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: they have negatively impacted my credit CREDIT COLL More about this account >> TransUnion Experian Equifax Original Creditor: 06 PROGRESSIVE INSURANCE COMPANY Account #: ******** High Balance: 138 Date Opened: 08/06/2011 Date Reported: 01/22/2013 Balance: 138 Condition: 01/22/2013 Responsibility: Individual Remarks:

Desired Settlement: removal of negative credit report

Business Response: Our office is in receipt of the complaint filed by Mr. ***** *****. We greatly appreciate this opportunity to respond.
 
Although Mr. ***** has not provided us with any details surrounding his complaint, please be advised that we have closed this account and agreed with his request to delete the account from the credit bureaus. Please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records.  We trust this resolves your concerns.

6/27/2013 Problems with Product/Service | Read Complaint Details
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Complaint: A couple of months ago, I started receiving calls from Credit Collection Services regarding a Comcast bill from my last apartment. We had to move out of this apartment due to flooding (no fault of our own) a couple of weeks after we moved in. Although we submitted a change of address form through the USPS, Comcast's mail didn't seem to get through. Thus, I was unaware that we still owed on the account. When I was informed of this over the telephone, I instantly remembered that we hadn't paid, and told the person on the other side of the phone that I would happily pay. I wanted to be sure that we were being charged the correct amount (due to our short time at the apartment, I felt that there was a risk the dates for the services provided would be off), so I asked the woman for the dates of service. She couldn't provide me with accurate dates. For one of the dates, she said that her computer indicated service starting in the year 1900, and she expected me to be happy with that. I told her that I was happy to pay, but I wanted to be sure I was being charged for the correct time frame, so I asked her again for an accurate start and end date for services. She couldn't provide that to me. After a few moments of a back and forth, she said that she would mail me the correct information. I informed her that when I got it and was satisfied with the dates of service, I would pay the bill. A couple weeks later, I got two letters. One read that my credit was being negatively influenced by this, and the second informed me that they had checked with Comcast, and that I indeed owed them money. The letter nowhere indicated the start and end dates for service, which is what I had asked for all along. I made two phone calls to Credit Collection Services where I spoke with two "customer service" representatives and one manager/supervisor. They ALL told me that it was my job to call Comcast and get the dates from them, and that it wasn't their job to give me that information. I balked at this, because I don't see that it's my place to do the job that they are paid to do, and I told them as much. They refused to call Comcast and ask for the start and end dates of service. As I have maintained all along, I am happy to pay the bill (even after being so mistreated by these people), but I won't do it until THEY provide me with start and end dates of service.

Desired Settlement: I would love nothing more than to receive a letter in the mail showing me the start and end dates of service for my Comcast bill along with a total amount due and where I can send the payment. That's all I want. In a perfect world, CCS would be so appalled by the behavior and sub-standard customer service from their reps that someone would call or write me with an apology, but I have very little hopes of that actually happening.

Business Response: Our office is in receipt of the complaint filed by Mr. ******* *******. We greatly appreciate this opportunity to respond.
 
Please be advised that the account in question cancelled on 9/1/12 with a balance due of $72.37. Although we have previously provided Mr. ******* with verification of the account, please be advised that we have closed this account with our office and Mr. ******* will hear nothing further from us in regard to it. Further, the credit bureaus have been instructed to delete the account, but please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records.
 
We trust this resolves your concerns.

Consumer Response: I have reviewed the response submitted by the business and while I don't feel that they addressed my actual complaint (again, I need a start AND end date, NOT verification of services), I'm satisfied that this matter has been taken care of with respect to complaint.

6/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My credit report with TransUnion is showing a collection that is not mine. The collection notice was submitted to TransUnion by CCS. I talked to CCS on 5 different occasions in order to get this collection off my credit report with TransUnion. After a couple of calls, I was able to figure out that the debt belongs to my brother-in-law that happened to be living with me a t the time of the incurred debt. My first call with CCS was on 5/21/13 and I also faxed them my credit report showing the incorrect collection. My TransUnion credit report still shows that debt but with a date updated of 5/21/13. They apparently contact TransUnion and had it updated on my credit report but not removed. My latest phone call with CCS was this morning and they said that they contacted the credit reporting agencies and it could take a couple of days to remove the collection. I have been dealing with this for 2 weeks and it is still showing on my credit report.

Desired Settlement: I want this collection notice removed from my TransUnion credit report.

Business Response: Our office is in receipt of the complaint filed by Ms. **** ********* ******. We greatly appreciate this opportunity to respond.
 
As we advised Ms. ****** previously, please be advised that the credit bureaus have been instructed to delete the account. Although the bureaus have likely already acted upon our request, please note that we cannot control the speed in which the bureaus act upon our request. If this account still appears on Ms. ******’ credit in thirty (30) days, then we would ask her to please contact our office, so that we can again contact the credit bureaus to update their records.
 
We trust this resolves your concerns.
 

Consumer Response: 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.

6/25/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has appeared on my credit report stating I owe $195 for an old Progressive Paloverde Insurance policy, I cancelled my policy and do not owe anything. I tried contacting this company to validate this debt, the number listed on the credit report is wrong, after further investigation I got in contact with this company and they refuse to validate my debt. I the consumer service reps are rude and I have never received a correspondence from this company. This business is unethical and will not prove I owe this debt. Acct# **** ****, placed for collection 10/6/2009, Balance 95, Original Creditor:Progressive Paloverde Insurance

Desired Settlement: A letter stating this collection will be deleted from all three of my credit files

Business Response: Our office is in receipt of the complaint filed by Mr. ****** ******. We greatly appreciate this opportunity to respond.
 
Please be advised that this account was closed with our office as paid in full. Further, the credit bureaus were instructed to delete the account. Please note that we cannot control the speed in which the bureaus act upon our request and we recommend giving the bureaus at least thirty (30) days to update their records.  We trust this resolves your concerns.

Consumer Response: 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.

6/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had been away from home in training for a while and when I returned I had a letter from CCS stating that they were attempting to collect a debt owed to Progressive American Insurance Co in the amount of $253.38. I did indeed owe this debt so on 3/27/13 I went to the website provided on the notice to pay the balance in full but once I logged on I was given the option to make payment arrangements which was more convenient for me at the time. I made an arrangement to make 3 payments in the amount of $84.46 with the first payment being made on 3/29/13. On 3/29/13 not only did CCS debit my checking account in the amount of $84.46 for the first payment they also reported a delinquent payment to the credit bureaus in the full amount of $253 and cancelled the remaining 2 scheduled payments. I received a 2nd notice from CCS saying that they were attempting to collect a debt owed to Progressive American Insurance Co in the amount of $168.92 around 4/5/13 and that a partial payment had recently been posted to the account without an agreed upon payment arrangement with their office. I figured they had made a mistake and it wasn't until the 2nd agreed upon payment in the amount of $84.46 was not debited from my account when scheduled that I became concerned. I called CCS and was told by a representative that because I made the payment arrangement on 3/27/13 to start 3/29/13 it was as if I had written a post dated check and the company don't allow post dated payments.

Desired Settlement: I would like for CCS to remove the negative entry they made on my credit report 3/29/13 as soon as possible and allow me to pay the remaining balance of $168.92. They should also change their website so that it demands the first payment of the payment arrangement immediately instead of allowing customers to select a future date and then later saying that their company don't allow post dated payments.

Business Response: Our office is in receipt of the complaint filed by Ms. ****** *****. We greatly appreciate this opportunity to respond.  Please be advised that when Ms. ***** made a payment through our website, it appears she only authorized us to debit one payment. If she would like to set-up payments on the remaining balance, we would ask that she please contact our office.
 
Further, the account was sent to the credit bureaus prior to Ms. *****’s payment to our office, and as soon as we received Ms. *****’s payment, we updated the bureaus that a payment had been made. Please note that we would be happy to delete the account from the bureaus upon successful negotiation of payment in full from Ms. *****.  We trust this resolves your concerns.

Consumer Response: 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 be advised that when making a payment arrangement through the business website it is not possible to authorize one payment unless it is for the full amount. The payment arrangement that I made was submitted 3/27/13 for three payments in the amount of $84.46 with the first payment to be debited 3/29/13.  As you can see on the attachment named CCS 1 the notice that I received after returning home from training dated 3/7/13 gave me the option to make payment arrangements using the self service menu on the business website.  Not only did they debit my account for the first payment on 3/29/13 (attachment named CCS 2) I also received a credit monitoring notification that said a negative entry had been made on my credit report by the business that same day in the amount of $253.  Now when I log onto the website it doesn't give the option to make payment arrangements and only allows me to pay the balance in full (attachment named CCS 4). Obviously this business is not being honest and seems as if they were really working against me instead of with me.  I want to pay the balance owed IN FULL and the negative entry on my credit report to be removed all together, not paid after settlement, etc.         

Business Response: We regret that our previous response was not satisfactory to Ms. *****. However, contrary to her concerns, our website did give her the option to make payment arrangements when she made her first payment on 3/27/13. Further, Ms. ***** again visited our website on 5/7/13 and again made payment arrangements. Because she made two payment arrangements and did not follow through with either one, the website now gives her the option to pay the account in full. Ms. ***** can either pay the account in full on the website, or she can contact our office to discuss re-payment of the account. Either way, once the account is paid in full, the credit bureaus will be instructed to delete the account upon successful negotiation of the final payment. We trust this resolves your concerns.

6/1/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company CCS offered me a settlement, I accepted. First they took 3 weeks to issue a release, which resulted in my Drivers License being suspended.Secondly, they issued incorrect information on the release form which continues to hinder me from reinstating my D.L. Then no one at the whole company can come up with anything but maybe I can set up a payment arrangement for the amount I settled the claim for, so they can fix the paperwork. That they are responsible for releasing incorrectly,and didn't release in a timely fashion. But of course that settlement money came out of my account almost immediately! Bad business practices and very poor customer service, BEWARE!

Desired Settlement: Replacement I would like the proper paperwork released so I can be released from my suspension.I would like the entire case completed and resolved.

Business Response: Our office is in receipt of the complaint filed by Ms. ****** ******. We greatly appreciate this opportunity to respond.
 
Please be advised that it was not CCS who instructed the DMV to suspend Ms. ******’s license, so we are unsure on exactly what information the DMV has and the information they are looking for to release Ms. ******’s license. If Ms. ****** could have the DMV contact our office, we would be happy to speak to them to provide them with whatever information we can.  We trust this resolves your concerns.

5/31/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has reported a negative entry on my credit report and refuse to get me any valid details on the collections account. I have sent this company numerous of debt validation letters for the collection acct that is reporting on credit report ( Transunion). The amount is for $224.00 reported in 02/2013. The account number is ********. I have no idea where this debt is coming from. Tried calling and will get rude representatives trying to collect the amount but would not get me any details on this collection acct. Sent several debt validation letters and have been ignored. I want this collection agency to remove this negative information from my credit report. They have not responded to the my request with in 30 days. I am looking for proof that this debt is mine and will required a copy of the original contract under the which credit account was obtained, as well as monthly statements since the debt was purchased itemized with interest, payment, credits, fees and/or other permissible charges. I would like to have this account deleted from my credit report.

Desired Settlement: I want this collection agency to remove the negative information from my credit report.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* ******. We greatly appreciate this opportunity to respond.
 
Please be advised that the account in question is for the balance due to Time Warner Cable for an account that cancelled on 5/15/12 for non-payment. Contrary to Ms. ******’ concerns, we have no record of receiving any correspondence from her or of speaking to her. That being said, we have closed this account with our office and instructed the credit bureaus to delete the account.  We trust this resolves your concerns.

Consumer Response: 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.

I would like the collection agency to provide me a letter on the company letterhead stating that they are deleting this account from my credit bureau.   I would need this for my records.   I do understand that is what they agreed to do.  I just the letter in case it does not get handle by them in a timely manner. 

Business Response: We regret that our previous response was no satisfactory to Ms. ******. That being said, we have agreed with Ms. ******’ request to send her the letter she requested. We trust this resolves your concerns.

5/30/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Credit collection is claiming that I owe $351.59 for Allstate insurance. This is a false claim. I had already established with Allstate that I did not owe any money. Allstate claimed had sent me a letter stating that their records showed that I owed money for a period of time long after my home was forclosed, while I was homeless, (I am still homeless). It never was my responsibility to pay that insurance anyway. All of the insurance payments were made through Wells Fargo. They already know and understand that I do not owe them any money. I cannot say the same of Wells Fargo. The problem now is CCS didn't seem to get that memo. CCS needs to understand that I do not owe Allstate any money and fix their records.

Desired Settlement: CCS needs to fix its records and acknowledge that I do not owe money. They need to communicate better with Allstate and get their records straight. They also owe me an apology for the hassle of having to file a complaint over something that was already resolved on my end.

Business Response: Our office is in receipt of the complaint filed by Mr. ******** *******. We greatly appreciate this opportunity to respond.
 
Please be advised that our client placed this account with our office with the account listed under Mr. *******’s name. If Mr. ******* could send us documentation from our client that shows he is not responsible for the balance, we would be happy to review the documentation with our client to determine if an adjustment is due. That being said, we have closed this account with our office. Although Mr. ******* will not hear anything further from us in regard to this matter, we cannot control any actions our client may take.  We trust this resolves your concerns.

Consumer Response: I accept and appreciate this response.  I can't provide any documentation on the status of that house or insurance of it as none was ever given to me though.  I was never informed of any of the actions Wells Fargo was taking, they simply kicked me out, changed the locks, and stole all of my belongings.  If any documentation exists they would have to have it.  

5/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Labcorp continues to harass me turning paid accounts over to collection agencies after multiple certified letters of proof of payment have been sent.

Desired Settlement: I write the BBB for help and advice how to proceed to stop and detour this unethical practice of Labcorp.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* ********. We greatly appreciate this opportunity to respond.
 
Please be advised that we have closed this account with our office. Although Ms. ******** will hear nothing further from us in regard to this matter, we cannot control any actions our client may take in regard to the account. That being said, if Ms. ******** could please send us documentation showing the account was paid in full; we would be happy to forward the documentation to our client to determine if an adjustment is due.  We trust this resolves your concerns.

Consumer Response: 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 at this time.

I am certified mailing the CCS (Credit Collection Services) the 2011 cancelled check with the accompanying letters and hope this matter is now closed.

5/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My spouse and I divorced and were both on the Time Warner account. When he moved out he had to remove his name in order to get services elsewhere. We did not break the contract. TWC states that by removing his name from the account we "broke the contract". However, that is not true I continued the account and services even while disputing the $300 + charge with TWC management. This is unethical and I refuse to be fined for simply removing 1 of 2 names from the account.

Desired Settlement: remove and clear this collection amount.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* *****. We greatly appreciate this opportunity to respond.
 
Please be advised that it appears Ms. *****’s concerns are not with CCS’ handling of the account. That being said, we have closed this account with our office and Ms. ***** will not hear anything further from us in regard to it. Please note that we cannot control any actions our client may take in regard to this matter.  We trust this resolves your concerns.

Consumer Response: 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.

5/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: We received phone contact questioning the debt in question and responded that this is not us, we were told we would be removed. We received "Credit Reporting Alert" 5613 from CCS file number ** **** *****. Contacted Comcast who could not find us in their system. Provided account number from CCS notice of ****************, Comcast billing representative ******** was able to find account. Per ******** (documented per Comcast ticket ********* and tape recording I have of conversation) Comcast does not have SS of person, do have a DOB and Florida Drivers License for a person living in Federal Way WA. Notified ******** we do not live in Federal Way and have not, do not have and have not had a Comcast account, Comcast is not available in *******, I do not have a Florida Drivers License and never have. I believe demanding payment and threatening to file false and inaccurate information with Credit Bureaus when both Comcast and CCS knowingly have inaccurate information which can not identify me or another person to be Fraudulent and illegal. I noticed this practice to be used by Comcast on others and believe the practice of using knowingly inaccurate information must cease. A complaint has been filed with the Federal Trade Commission against both Comcast and Credit Collection Services - ********. The notice from Credit Collection Services and tape recording with Comcast are available on request.

Desired Settlement: Use of incomplete inaccurate information which does not identify me is fraudulent and illegal. Threatening to file inaccurate information is minimally unethical. The cost and time to fix this once filed is extensive including lawyer fees and court costs to recover damages. This practice appears to be used by Comcast to collect bills, we have not been singled out. This practice must stop.

Business Response: Our office is in receipt of the complaint filed by Mr. ******* ******. We greatly appreciate this opportunity to respond.
 
Please be advised that Mr. ****** was believed to be the person we were attempting to contact. We have removed his contact information from our records and he will hear nothing further from us in regard to this matter.  We trust this resolves your concerns.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my initial issues and/or concerns in reference to complaint.  

However, Comcast continues to pursue the issue.  Additional filings will be made with the FTC, Massachusetts Attorney Generals Office and Pennsylvania Attorney Generals Office.  

A key question remains.  The information provided by Comcast indicates the individual owing the debt does not have a social security number, lives (lived) in Federal Way Washington, his identification to Comcast is via a Florida drivers license (recording verifying this information with Comcast available).  I have a social security number, I have never lived in Federal Way Washington and have never had a Florida drivers license, do not have and to the best of my knowledge have never had a Comcast account (Comcast is not available in our area, Comcast could not find me in their records).  The question becomes how could my identity possibility have become tied to this account in any way?

5/25/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had a collection filed with CCS, for $192.00, when I called them to pay the collection, I ask if i paid in full would I recieve a LETTER stating that fact. I was told i would receive a letter stating that I paid in full and that the line would be deleted from my credit report. She then told me that it will take eight days to process everything and when the bank recevies the funds that i can go on thier web-site and receive a letter. That is not true, after eight days i logged on to their web site and received a receipt, just like the one you get when you initially pay the collection. The only differnece it says paid-in full receipt, not a letter. This is not acceptable by the Credit Bureaus. I have to receive a letter not a receipt to give to them. So I called CCS to try to get a letter. On a company letter head stating that the account has been paid-in full with a managers name and signed by someone with the authority to do so. It has been done before by other credit collection angencies i dont know why CCS is paying hard ball, when i have already paid them over a week ago.

Desired Settlement: A letter on company letter head stating that the account has been paid-in full with a managers name and signed by someone with the authority to do so.

Business Response: Our office is in receipt of the complaint filed by Mr. ******** ******. We greatly appreciate this opportunity to respond.
 
Please be advised that we have already sent Mr. ****** correspondence confirming the account is closed as paid in full. Further, the credit bureaus were previously instructed to the delete the account. Although the bureaus should have already acted upon our request, we recommend giving the bureaus at least thirty (30) days to update their records.  We trust this resolves your concerns.

5/23/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has link an fraudulent account onto my credit report. I contacted this company previously regarding this matter in which i supply a police report. Report #********. The company then removed the account from my experian and equifax reports but failed to remove it from my transunion report. This fraudulent account is hindering me from purchasing a home. I am a victim of identoty theft and my credit report states that I am to be contacted by account companies prior to opening any accounts under my social security number

Desired Settlement: this company needs to remove this account from my credit report immediately it does not belong to me

Business Response: Our office is in receipt of the complaint filed by Ms. ****** ******. We greatly appreciate this opportunity to respond.
 
Please be advised that we have closed this account with our office and instructed the credit bureaus to delete the account. Please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records.
 
Although we have closed this account with our office, please note that we cannot control any actions our client may take in regard to it. If Ms. ****** could please send our office a copy of a police report regard the incident of identity theft, and a complete identity theft affidavit (available at http://www.consumer.ftc.gov/articles/pdf-****-identity-theft-affidavit.pdf), we would be happy to send the documentation to our client to review.  We trust this resolves your concerns.

Consumer Response: 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.

5/21/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is fraudulentely attempting to collect money from me for an account that they do not own, that i do not owe, nor do I own. They sent me a "settlement collection notice" today in the amount of $2,809.92 I do not have, nor have I had a policy with Allstate Insurance Company. They are offering "quick" settle now for a discounted rate in the hopes that i will be afraid or desperate enough to pay it. My reasaon for contacting you is because they are adverstising the BBB on the front of their "Settlement Notice" (but it clearly says this is not an inovice) Credit today is hard enough to not only get, but to be able to keep as well. You then you have companies like this who put everyday people's credit in jepardy. They threaten you to pay for a debt that you do not owe, and if you dont pay it then they send your information to the *** credit reporting agencies. This is FRAUD. Please help me.

Desired Settlement: Stop Contacting Me & Stop Bullying me into paying a debt that i do not own.

Business Response: Our office is in receipt of the complaint filed by Ms. ******** *******. We greatly appreciate this opportunity to respond.
 
Please be advised that Ms. ******* is believed to be the person we were attempting to contact. That being said, we have agreed with Ms. *******’s request to stop contacting her and closed this matter with our office. Although we have closed this file with our office, our client believes the balance is due and we cannot control any actions they may take in regard to this matter.  We trust this resolves your concerns.

Consumer Response: 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.


5/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: A customer services representative contacted me and left a message on my voicemail regarding a Keisha Davis who has not sent in a payment on Friday, May 3 at 8:30 a.m. and left a phone number of (866) 915-0085 Ext. *** to call back. I called the number and explained to representative that I am not the person they are seeking and to please take my contact information off the list. The person proceeds to tell me that she was calling a (***) and it was connecting to my phone number. I explained that I was not the person they were seeking and to take my phone number off the list. This person was very rude, discourteous, and went as far to say that she didn't care if I filed a complaint. I called back and asked to speak to a manager and learned she was the manager (I heard her yelling in the backgroud).

Desired Settlement: I never want to be contacted by the company again.

Business Response: Our office is in receipt of the complaint filed by Ms. ******* ********. We greatly appreciate this opportunity to respond.  Please be advised that it appears this complaint was sent to us in error. The phone number Ms. ******** provided in her complaint does not belong to CCS; it belongs to a company that has a similar name.
 
We trust this resolves your concerns.

Consumer Response: 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.

I was referred to this company by the BBB chat tool. In my research on this company, I found the following information;" Received a message from someone identifying himself as ****** ***** from CCS Group.  Requested that I call him back to meet him in person to obtain 'legal documents' from him.  Also said that he would show up at my home and/or place of employment if I did not pay the debt which he never identified during the call.  Also did not disclose the 'this communication is from a debt collector' notice at the beginning of the message, which I thought was required.  He left a claim number.  I called the number back and got a voice mail from a Ms. ***** who requested that callers leave their name, number and claim number to be called back.  BTW, the call shows up 'no caller id'.  I owe no debt as far as I know."

The number that was left on my voicemail was (***) ********. and the Ms. ***** was the person who called me. If this isn't the company, then what is the address for the right one?

Business Response: We regret that our previous response was no satisfactory to Ms. ********. However, as we stated previously, the phone number (************) does not belong to our company. We called the phone number and the company identifies itself as ****** Communication Services- which we are not associated with. Ms. ******** should direct her complaint to that company. We trust this resolves your concerns.

5/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is collecting a debt for Farmers Insurance. Farmers' insured, *** ******, was involved in an accident with myself, *** *****. She was driving a *****, and I was riding a bicycle. Neither of us were ticketed for the accident. We received a letter in the mail from the BMV, stating that my driver's license would be suspended on 5/2/2013, and that I would have to pay a deposit fee and reinstatement fee, because I was in a vehicle accident on 10/2/2012, and was uninsured. 1) I was riding a bicycle. 2) I DO have insurance, and did at the time of the accident, but bicycles are not covered on car insurance policies. As it turns out, the first page of the crash report listed me as driving an identical car to that of *** ******. Obviously, it was an error on the part of whomever drew up the crash report. Had the collection agency continued to read, they would have found that on the second and third page, it clearly states that I was riding a bicycle, was injured, and my bicycle was totaled. So... as the collection agency requested, I've gone to the ******* PD, had the crash report fixed, and faxed to the collection agency two weeks ago. I called the collection agency several times, and this time, they said they'd received the crash report, but would not forward it to the BMV until we made a payment. I made him AND his supervisor tell me this several times, just to be sure I was absolutely not misunderstanding him. I also told HIM that having insurance was irrelevant because I was on a bicycle. I would be happy to submit insurance info to the BMV, but not to some collection agency that is blackmailing me for money. All I was asking was for them to submit the corrected crash report that they asked ME to get for THEM, and distribute it to the BMV, as they'd stated they would do in a previous phone call, to fix this whole mess. Now they're refusing, because they "don't see a payment yet".

Desired Settlement: I would like them to FIX the incorrect information THEY submitted to the BMV, so my license will not be suspended. An apology letter would be nice, but let's be honest - it won't happen.

Business Response: Our Office is in receipt of the complaint filed by Mr. *** *****. We greatly appreciate this opportunity to respond.
 
Please be advised that we have already instructed the Bureau of Motor Vehicles (BMV) to reinstate Mr. *****’s license. Please note that we cannot control the speed in which the BMV will act upon our request. That being said, the police report indicates that although Mr. ***** was not issued a citation for riding his bicycle on the sidewalk; however, he was advised that he would be listed at fault in the accident. Thus, Mr. ***** is responsible for the balance due to our client.
 
We trust this resolves your concerns.

5/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: To: BBB ** *********** **** *****, STE. ****FAX: ###-###-####From: ****** **** ###-###-####Re: Credit Collection Services CommercialGood Morning, Yolanda I spoke to you on Friday April 5, 2013 in reference to a letter I received from Credit Collection Services Commercial in reference to a Subrogation Claim. | Pave not been involved inAny accident and l have ******** Insurance Company. I have also received numerous phone calls on my horne phone ###-###-####. l have not answered the phone because I have caller id. The phone ld has CCS just like their letter head. Enclosed is letter that was mailed. This is the 2nd letter I receive. Please help me posted to what I need to do.Thank you,****** S. **** ###-###-#### Cell

Desired Settlement: see Attached document

Business Response: Our office is in receipt of the complaint filed by Ms. ****** ****. We greatly appreciate this opportunity to respond.
 
Please be advised that Ms. **** was believed to be the person we were attempting to contact. We have removed her address and phone number from our records and she will hear nothing further from us in regard to this matter.
 
We trust this resolves your concerns.

5/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a notice stating this company assumed I had a debt with Travelers Insurance. It further stated that I did not contact this company in 30 days that the company would assume this debt was valid. I contacted Travelers and it is noted in all my accounts that they are current and in good standing. This notice is at best an error or at worst a phishing scam. Also, this business has called me numerous times.

Desired Settlement: 1. For this company to cease these activities. 2. Written documentation that Credit Collection Services' activities have not affected my credit or credit rating. 3. If CCS has created a negative mark on my credit, this negative mark will be removed immediately.

Business Response: Our office is in receipt of the complaint filed by Mr. ***** *********. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with Mr. *********’s request to stop contacting him. Although we have closed this account with our office, please be assured that this account was sent to us by Travelers Insurance, and we cannot control any actions they may take in regard to it. Further, we did not send this account to any credit bureau.  We trust this resolves your concerns.

Consumer Response: 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.

5/6/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I need your help. A collection agency is trying to say they are collecting funds for Liberty Mutual, an Insurance company. I did not start a policy with Liberty Mutual. I started a policy with Geico and had house/car insurance with them for many years. Liberty Mutual may be a subsidiary of Geico. They start as a mild mannered low price company in place of Geico with full intentions of acting the bad guy and raising rates. They indeed may not be the bad guy but only a subsidiary of Geico, so Geico does not get the bad name which they push off on Liberty Mutual.

Desired Settlement: Please investigate the matter. does it repeat itself? They are not a reputable company. Liberty Mutual gave me an absurdly large increase for my policy. I cancelled and this collection agency is the 3rd bad guy trying collect undue monies

Business Response: Our office is in receipt of the complaint filed by Mr. *** ******. We greatly appreciate this opportunity to respond.
 
Please be advised that we have closed this account with our office. Although Mr. ****** will not hear anything further from us in regard to the account, our client believes the account is due and we cannot control any actions they may take in regard to it. That being said, if Mr. ****** could please provide us with proof he cancelled the policy, or otherwise obtained insurance with another company prior to our client’s cancellation date of 11/8/12; then we would be happy to send it to our client to determine if an adjustment is due. If he provides proof of other insurance, our client will need a copy of the declarations page to review.  We trust this resolves your concerns.

5/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The person who is currently in possession of a vehicle that I sold many years ago was apparently involved in an accident. At the time of the sale of this vehicle, we followed all of the legal requirements for the private sale of a motor vehicle in the State of Texas, including filing a notification of sale and "Release of Liability" notification with the Texas State Department of Motor Vehicles (DMV). The claim related to the accident that this vehicle was recently involved in (******** Insurance) has been turned over to Credit Collection Services, whom after apparently being unsuccessful in recovering the damages from the person who was driving the vehicle at the time, began to notify me both by phone and U.S. mail. I have contacted Credit Collection Services multiple times and informed them that I no longer own or possess the vehicle involved in this accident. I also informed Credit Collection Services that they can verify this by contacting the relevant agency in Texas (the Department of Motor Vehicles). Since the sale of this vehicle, the person or persons who have been in possession of this vehicle have been involved in various situations which have ultimately resulted in an attempt to assign liability to me as the last person of record on the Title of that vehicle, and in every case I have responded with the information about the sale of this vehicle and in every case the entity who was contacting me verified this information and removed me from their claim. The buyer of this vehicle, sold years ago, apparently never transferred the Title, but in Texas the seller is not required to ensure that the Title is properly transferred following a private sell. Instead, the seller can and should file a Release of Liability notice with the State of Texas DMV, which I did). I have tried through multiple attempts to inform Credit Collection Services that I no longer have any legal liabilty for this vehicle and that they can verify that by checking with the DMV. Credit Collection Services refuses to act on this information and has stated that they will not release me from this collection claim until after I provide them with proof that I am no longer the owner of this vehicle.

Desired Settlement: Credit Collection Services should perform its due diligence based upon the information that I provided by contacting the State of Texas DMV. By doing so, like the others who have contacted my about this vehicle they will be able to quickly verify that I did in fact sell this vehicle long before this accident, and that at the time of that sell I properly filed the Release of Liabiity notification with the DMV to ensure that I was properly released from any liability for this motor vehicle.

Business Response: Our office is in receipt of the complaint filed by Ms. ***** *****. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with Ms. *****’s request to stop contacting her. Although she will hear nothing further from us, we cannot control any actions our client may take in regard to the matter. That being said, if Ms. ***** could please provide us with a bill of sale or vehicle history report from the DMV showing she sold the vehicle, we would be happy to review with our client is Ms. ***** should be removed from the file.  We trust this resolves your concerns.

5/2/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Credit Collection Services has fraudulently verified an entry reported to Transunion and ignored my request for validation. I requested written proof of the balance Credit Collection Services has reported to Transunion certified mail #**** **** **** **** **** on March 1,2013. USPS.com shows they received my request on March 5th, but they have completely ignored my request. Per Texas Finance Code 392, they have 30 days from the receipt of my tracked letter to validate the debt. If they cannot or will not validate this account properly in 30 days, Texas Finance Code 392.202(d) requires the trade line must be deleted from any and all credit reports/reporting bureaus they may do business with. They are not to sell, transfer, assign, or share any information about me, or this alleged debt with anyone else.

Desired Settlement: I would like this fraudulent information removed from my Transunion report, as they are non compliant with Texas Finance Code 392.

Business Response: Our office is in receipt of the complaint filed by Ms. ******** *******. We greatly appreciate this opportunity to respond.
 
Please be advised that we are unable to locate an account with the information provided in Ms. *******’ complaint. If she could please provide us with more information that would help us locate an account, we would appreciate it. Specifically, a copy of her credit report with the account listed. Also, a copy of her previous correspondence, along with the signed green card showing receipt.  We trust this resolves your concerns.

Consumer Response: 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. 

I have attached a copy of the letter sent to the address listed on my Transunion credit report. I do not have a green card with a signature. Since a post office box was listed, I sent it certified under cert#**** **** **** **** ****. On USPS.com it clearly shows they received my letter on 3/5/13. The following was copied directly from USPS.com. ******************** First-Class Mail® Delivered March 05, 2013, 11:13 am NEEDHAM HEIGHTS, MA 02494  My name and the information listed on my attached letter to Credit Collection Services is sufficient for them to rectify this matter.    

Business Response: First, we would like to thank Ms. ******* for providing us with additional information to locate an account. Unfortunately, we have no record of receiving Ms. *******’ previous correspondence. If she had received a signed green card showing receipt, we would be in a better position to investigate that issue further. That being said, we have closed this account with our office and instructed the credit bureaus to delete the account. We recommend giving the bureaus at least thirty (30) days to update their records. We trust this resolves your concerns.

Consumer Response: 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.

5/1/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: CCS began calling my business day and night repeatedly. They did not leave messages. When my husband was actually there one day, a man named "*****" spoke to him in an accusatory tone, told him that after an investigation of an incident which occurred in Nov of 2011 our business had been found at fault for their "client"'s damaged car sunroof. He wanted our company insurance information. He claimed we owed $1800 and gave us a client name which we have never had a customer. Further, we had moved in June of 2011 and they didn't even know what until number we were in: for all we know, they called every business in this complex to get them to pay for something that either didn't happen at all or happened somewhere else. Also, since we had never heard of this alleged "client" of theirs and would have reported any vandalism or damage if anything had been vandalizedor damaged on our property, we asked what the actual "vehicle" was he was speaking of...as in what type of vehicle? He said that he "wasn't at liberty to disclose that information". Seriously? Seems they want to attach blame to us for something that not only were we not responsible for and know nothing about AND for a supposed client of theirs which we have never heard of. I got on the phone and told "*****" that his accusations were unfounded, untrue and that we were tired of being harrassed by his company. He said to call back to "resolve this issue" and said that "you can speak to anyone here, everyone here knows about this". They are, in my opinion experts at intimidating people, harrassing them and possible extricating payments for things that they just scared people into paying which may or may not have occurred and should or should not be attributed to them. In summary, 1) they did not have our insurance information: if there had been an actual occurance of vandalism or damage on our property, we would have submitted a claim and handled it immediately/ 2) We have never heard of this alleged "client" of theirs. 3) We do not appreciate being harrassed by these people and find them to be not only disreputable in their business practices but also guilty of intimidating innocent people not caring how it upsets them and that what they are saying is untrue. Today in the mail, we received a "warning notice" to pay $1850. This is so wrong on so many levels. Glad to see over 300 complaints against them in two years: it says a lot about their business practices.

Desired Settlement: We would like them to acknowledge that they are incorrect in their blame placement of their "investigation". We would like them to write an apology. We would like them to cease and desist from any further phone calls or written correspondence except above stated letter of apology for THEIR harrassment and intimidation of us.

Business Response: Our office is in receipt of the complaint filed by Mrs. ***** ******. We greatly appreciate this opportunity to respond.
 
Please be advised that Mrs. ****** will hear nothing further from us in regard to this matter. That being said, our client’s licensed insurance adjuster determined that Mrs. ******’s business is responsible for the damages causes to our client’s insured’s vehicle. If Mrs. ****** would like to provide us with their insurance information, we would be happy to review it with our client. That being said, we cannot control any actions our client may take in regard to the matter.  We trust this resolves your concerns.

Consumer Response: 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. 

Your response is unsatisfactory. Your insurance adjustor is incorrect. We categorically reject your claims and your comments as well as those of your "adjustor". No such named person was a customer of ours, the claim is noted to be in Nov of 2011: we moved locatons in June of 2011. We do not own the complex, we have no responsibility for other peoples' customer's cars or those who choose to park their cars in private lots. We have never worked on a car for this person, nor have we worked on any car with a sunroof.

Business Response: We regret that our previous response was not satisfactory to Ms. ******. As we stated previously, the file has been closed with our office. Although Ms. ****** will hear nothing further from us, our client believes the balance is due and we cannot control any actions they may take in regard to the matter. We trust this resolves your concerns.

Consumer Response: 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.

CCS is the business that called and harrassed us continuously. CCS is the company that gave us no information on this "client" except a name, which we have never heard of and a claim about a damaged car sunroof, which we have never worked on. CCS is the company that sent us a letter demanding we pay $1850 for something which did not occur to any vehicle within the realm of our possession or control. CCS is the company that refused to give us a make or model of supposed vehicle. CCS needs to have a consumer customer service intervention.There are at least seven auto repair businesses in our complex and there is no assigned parking: any customer of any business can park in any spot. Because some random person may or may not have parked in our complex has nothing to do with us. In closing, we have had security cameras for the outside of our business, front and back, since 2009. We have had ADT security inside of our business since 2007. We also monitor our cameras from outside locations, including our home, utilizing an IP address specifically for that purpose. and would know if any vandalism had occurred.  We feel certain they know how to contact their "Client".

4/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Credit Collection Services is attempting to collect a debt from me for an account I previously held with Nationwide Insurance. I have contacted CCS several times sending written verification of payments made to Nationwide as well as proof of insurance with a new insurance provider on the exact date my policy expired with Nationwide. The new insurance provider has sent supporting documentation numerous times to Nationwide and CCS showing this information as well. Because CCS insisted that proof of my total payments made to NAtionwide was still not sufficient evidence to delete this debt I sent a letter to CCS offering to pay the $70.00 amount they say is owing if they would send a written statement stating the account would be deleted from my credit report upon receipt of payment. I have spoken to three representatives over the phone again offering to pay the total amount of $70.00 if they would send by mail or email a statement saying the account would be deleted upon receipt of payment and all three times they refused, explaining they will not communicate anything in writing to me as per their company policy. I then had a representative from CCS contact me on my cell phone asking for payment for this account. I again explained that I am at the point that I would be more than willing to pay this in full if they would provide written verification that the account would be removed from my credit report. The representative explained that her call was only to offer select customers that took the time to send letters to their company an opportunity to pay their accounts and they would then delete the negative information from my credit as a curtesy. When I asked her to send me a written statement explaining her offer she said that she was not authorized to send anything in writing about this offer. As of now I have attempted to show proof of payment to CCS negating the validation of the original debt, I have attempted to pay the un-validated debt more than a few times and CCS has refused to cooperate in any way.

Desired Settlement: My desired outcome is to have the account permanently deleted from my credit report with all three credit bureaus.

Business Response: Our office is in receipt of the complaint filed by Mr. *********** ******. We greatly appreciate this opportunity to respond.
 
Contrary to Mr. ******’ concerns, we have not received any documents showing he paid the account. Although he did state previously he would provide documents showing he obtained insurance with another company, we have not received any documents to date. Mr. ****** states that the policy with his new insurance company was effective the same date our client’s policy cancelled. Unfortunately, in order for our client to determine if an adjustment is due, the effective date of the new policy would have to pre-date the cancellation of the policy with our client.
 
As for Mr. *****’s request that we remove the account from his credit bureaus, please be advised that Mr. ****** was previously advised the account would be removed if he paid the account with our office. Please be advised that if we receive payment in full, the account will be closed with our office, and the credit bureaus will be instructed to delete the account upon successful negotiation of the payment.
 
We trust this resolves your concerns.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does somewhat satisfy my issues and/or concerns in reference to complaint.

Because you indicated you did not receive the previous documentation mailed directly to your office, I have attached verification of insurance policy beginning 9/8/2011 with the new provider, as well as a portion of the policy mailed to us by ********** showing as of the date 8/15/2011 there was a $0.00 balance on this policy.  It shows the policy number and the renewal period beginning 9/8/2011.  I appreciate your written verification that the account will be deleted from my credit reports.  

4/24/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: from time warner cable # ***********- from my last bill when they cut the cable off and removed the cable lines from the pole and home shows on my last BILL SHOWS I OWE 189.19,, NOW THRUGH ALL THEY WANT 4TIMES MORE MONEY SAYS THAT I DID NOT RETURN THE CABLE BXS ARE WIFI WENT TO THE LOCAL OFFICE, AND DO HAVE A RECEPIT FOR THE BXS I RETURNED AND JILL THE PERSON I GAVE THIS TO SAYS THAT I ONLY OWE 189.19 NOW BECAUSE I DID RETURN

Desired Settlement: WOULD LIKE TO GET THIS MATTER RESOLVED WITH WHAT I OWE ONLY , WANT TO GET IT PAID OFF

Business Response: Our office is in receipt of the complaint filed by Mr. ******* ****. We greatly appreciate this opportunity to respond.
 
Our client’s records show the service was cancelled on 2/2/12. If Mr. **** could please provide us with the statements he has showing a lower balance, along with the receipts showing the equipment was returned, we would be happy to send the documents to our client to determine if an adjustment is due.  We trust this resolves your concerns.

Consumer Response: 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. 

they need to contact them in regards to this i have all of my update status and can send to them they have not tryed to contact anyone per ***** in the  office.

Business Response: We regret that our previous response was not satisfactory to Mr. ****. Please be advised that we have closed his account with our office. Please note that we cannot control any actions our client may take in regard to the account. That being said, as we advised previously, if Mr. **** could please provide us with the statements he has showing a lower balance, along with the receipts showing the equipment was returned, we would be happy to send the documents to our client to determine if an adjustment is due.

Consumer Response: 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.

4/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Credit Collection Services is not licensed to operate in California and its corporate charter in Massachusetts is suspended. This is notice to Credit Collection Services and Farmers Insurance to CEASE and DESIST communications to me about any debt allegation. I dispute their debt allegation. Farmers increased my rate and I went to another insurance. This is not unusual. My agent that placed me with Farmers had her rate increased by Farmers and she went to another agency. I did not give Farmers permission to raise my rate and I did not accept the rate increase. It is unlawful for Farmers to continue to add charges to my account after I went to another company. California’s Rosenthal Fair Debt Collection Practices Act makes the federal Fair Debt Collection Practices Act applicable to original creditors and third party debt collectors alike. Statutory damages of $1,000 are awarded for violations of each. Credit Collection Services and Farmers Insurance are both in violation of both state and federal statutes; $2,000 each. Therefore, giving my personal info to CCS is likely and violation of the ID theft statute in California. Then there is the Unfair Competition Law in California. Statutory damages under the UCL are $2,500 and as I am disabled any damage award will be doubled. This is a debt validation demand too. CSC and Farmers under the FDCPA may not consider their debt allegation valid until they provide documentary validation of the debt. Neither may they continue any collection activity.

Desired Settlement: Both CCS and Farmers will stop contacting me and will abide by the law.

Business Response: Our office is in receipt of the complaint filed by Mr. ***** ******. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with Mr. ******’s request to stop contacting him. Although he will hear nothing further from us in regard to this matter, we cannot control any actions our client may take in regard to it. Please also note that there is no requirement that CCS be licensed in California. Further, contrary to Mr. ******’s allegation, CCS is properly registered in Massachusetts.  We trust this resolves your concerns.

4/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: this company sent me letter saying that I have to Kemper preferred $166.87 as past due payment for insurance of both the car and a house. they drew the insurance money of the house from the mortgage company of May 2012 until May 2013, while they cancel the service on Dec. 2012. regarding the car I got an insurance with another company so I sent them a letter saying this is my new insurance, So I cancelled with them" they kept sending bills monthly. Now they have to refund $288.00 for the extra money they drew from the Mortgage. in contrary, they sent the paper to the Credit Collection Service to charge $ 166.87 the past due 'as they say' the CCS, asked for papers to be fax to them. I did so. I just called them and they said "the company is not satisfied so I still have to pay the money" I said shall I send paper of bank statement to show that I paid in full until the last days I was with them. the answer was no and I have to pay the money. why should I pay money when I cancelled with that company. why they ask for the Insurance declaration pages of the house and the car, if in the end I pay the money willy nilly

Desired Settlement: the CCS helping the insurance company to steal money from people.

Business Response: Our office is in receipt of the complaint filed by Ms. ***** *****. We greatly appreciate this opportunity to respond.
 
Please be advised that we previously forwarded the documentation Ms. ***** sent us to our client to review, and our client confirmed that the balance was still due. That being said, we have closed this account with our office and Ms. ***** will hear nothing further from us in regard to this matter. Please note that we cannot control any actions our client may take in regard to this matter.  We trust this resolves your concerns.

4/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am in the process of trying to qualify for a home mortgage. When I received a copy of my credit report from TransUnion, I noticed that there was a collection on record from Credit Collection Services for the amount of $83 for account #********. It says original creditor was *********** ****** ****** Insurance. I was not aware that I owed them money. In an effort to resolve this issue quickly, I sent a certified letter that was delivered on March 11, 2013. In the letter, I offered to pay part ($40) of the amount in order to have it completely removed from all of my credit reports in a timely manner. I did NOT acknowledge that I owed anything though. As I stated in my letter, "Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt..." I also stated in my letter that if I did not have a response, my offer would effectively be rescinded, and I would require validation of the alleged debt. I have not received any response nor validation of this debt. It has not been over 30 days, and I must insist that this matter be closed and all records of this unverified debt be removed from all of my credit reports.

Desired Settlement: Since this company has failed to accept my offer or provide validation that I owe a debt, I would like for the matter to be closed and for the records to be removed from all of my credit reports.

Business Response: Our office is in receipt of the complaint filed by Mr. ******** *******. We greatly appreciate this opportunity to respond.
 
As a courtesy to Mr. *******, please be advised that we have closed this account with our office and instructed the credit bureaus to delete the account. Please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records.  We trust this resolves your concerns.

Consumer Response: 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.

4/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Received a collections notice from this company dated 03/2013 , they have also continued to call my cell phone at all times of the day and night. I have asked them to not call, they have continued to call. I have asked them for a letter of proof, they have refused to give me any proof of alleged debt. I have asked them to provide me with anything that states I owe any money and for what reason and they have refused. I then asked them where I can send my paid receipts to prove I have paid Allstate in full and that I did not owe any money to anyone, they refused to take my receipts. They have threatened to ruin my good credit with this fraudulent claim. I owe them no monies, I owe Allstate no monies and I have spoke with my agent at Allstate and they have confirmed this is fraud.

Desired Settlement: I would like this company to except the facts, I owe them nothing. I have tried to provide proof and they have refused it. I would like them to not contact me by phone, nor state in any fashion that I owe them any money. I do not want this on my credit report, they have not provided any proof of debt as I have requested. Please close this account.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** ******. We greatly appreciate this opportunity to respond.
 
As a preliminary matter, please be advised that all calls made by CCS were in accordance with all applicable regulations. Contrary to his allegations, we never threatened Mr. ******’s credit. Further, he did not ask for proof of the debt. We had provided Mr. ****** with a phone number to contact our client, and he stated he was going to contact them to discuss the account. With this being said, Mr. ****** will hear nothing further from us in regard to this matter. However, we cannot control any actions our client may take in regard to the account.  We trust this resolves your concerns.

4/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: --I received a bill from Credit Collection Services (CCS) on behalf of Lab Corporation of America for $165.26. --I called CCS and informed them that I had already paid this bill through another collection agency in September, 2012. --CCS told me to send them in writing with proof of payment etc. and they will update their records and inform the credit bureaus also. --I already sent them a detailed letter on February 5, 2013 alongwith documentary proof of payment and letter etc. --They confirmed receipt of my letter. --Till today they didn't respond and update their records inspite of my repeated phone calls.

Desired Settlement: --They should update their records as I had sent them Bank statement/offer letter showing clearly payment made in September, 2012 to LCA. -- Inform the credit bureaus.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** *****. We greatly appreciate this opportunity to respond.
 
Please be advised that we previously forwarded Mr. *****’s documentation to our client, and our client confirmed the amount was due. That being said, we have closed this account with our office and Mr. ***** will not hear anything further from us in regard to it. Please note that we cannot control any actions our client may take in regard to the account.  We trust this resolves your concerns.

4/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have paid w/original ATT phone bills written on bottom of each bill method of payment confirmation code given by ATT phone rep of payment. I continued to pay (large sums) even after dispute to keep service/handicap at home sister. ATT refuses to relent this is the second collection agency the first being unable to resolve this returned it to ATT who forwarded it to Credit Collections Services w/BBB symbol . They told me to get bank statement / they claim it was returned . I have it P.I.F. They are charging me collection fee 40.00 + 165.00 recovery . 

Desired Settlement: Do not let them cheat me after 6 months of requests , mailing to collections , certified mailings , requests from the bank showing not returned 
- They are using your trusted BBB symbol to enforce their bogus collection attempts . 

Business Response: Our office is in receipt of the complaint filed by Mr.**** ********. We greatly appreciate this opportunity to respond.
 
Please be advised that we have closed this account with our office. Although we have closed this account, our client believes the account is due as evidenced by the documentation we previously sent to Mr. ********, and we cannot control any actions our client may take in regard to the matter.
 
We trust this resolves your concerns.

4/10/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i am here to inform you guys that credit collection services isn't reporting colections to the right people an somthing needs to be done about this. i have collections on my credit report that don't belong to me and it's effecting my credit score. i called to see how this happens and i was told they go by name an address only. i ask why isn't it going by social security number,that would be a lot easier to locate the correct person. i still didn,t get an answer. but i have to go thur several steps to fix this. something needs to be done about this .it's not right to just place bills under someone credit because they have the same name. this is not who should be in charge of collection. if they're not doing there job right they don't need to be in business. my credit is mess up because they not doing they job right.SOCIAL SERCURITY NUMBER IS THE CORRECT WAY TO GO ABOUT COLLECTION

Desired Settlement: THIS COMPANY NEEDS TO FIGURE OUT A BETTER WAY TO HANDLE COLLECTIONS OR THEY NEED TO BE SHUT DOWN

Business Response: Our office is in receipt of the complaint filed by Mr. ******* *****. We greatly appreciate this opportunity to respond.
 
Please be advised that the credit bureaus have been instructed to delete the account. Please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records. Further, please also note that we cannot control how the credit bureaus update their records.  We trust this resolves your concerns.

Consumer Response: 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.

4/10/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i recieved a collection bill in the mail, i called the number on the top of the bill and found out i could use an automated line to make my one time payment to clear this account. i put in my reference number provided on the bill the amount that i was told to pay was $164.61 which is a lower amount than what was on the bill it self of $190.95. i thought something had changed but didnt question it. I paid the amount and a $9.95 processing fee which brought the total to 174.56 on Feb 24th 21013. I recieved another bill in the mail March 18th that said i had a balance of 26.34 due immediately. I called and spoke with someone who was not helpful so i asked to speak to a supervisor, ****** ******** came on the line and said i owed this amount. I told her i paid exactly what the automated line said, she told me that it was an error with their system and they were working to fix the problem so they dont have issues in the future. I told her if it was an error on their part why should i have to pay especially it they knew of the problem and wre trying to fix it she told me they could not help me and the amount would not be wave the amount of $26.34. This company is trying to scare people in to paying more money by threatning to damage your credit. They are scamming people.

Desired Settlement: i want this company to drop the $26.34 they say i owe and not to mark my credit.

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

Please be advised that we have agreed with Ms. ****’ request and cleared the remaining balance due. The account has been closed with our office and Ms. **** will hear nothing further from us in regard to it. Please also be assured that we did not send this account to any credit bureau.  We trust this resolves your concerns.

Consumer Response: 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.

4/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recieved my first letter from CCS on 2/5/13 and was very speculative that this was true. The remit payment address was to Wachovia Bank that no longer exists. I contacted via thier request within 30 days to dispute and advised I would not pay unless I receive an explanation of charges. I was not about to pay for something without no reason. On 2/19 the only explanation I received from CCS was the THEY verified with the creditor that this is still outstanding. Well I contacted WELLS FARGO who purchased wachovia and they verified that they have their own collection department and that all of my accounts were clean and nothing outstanding. On about 3/20 CCS is now calling. My husband contacted CCS on 3/22 and spoke to ***** ***** to advise to stop harrassing us. They have no explanation of detailed charges as requested and we refuse to hand money over just because they say so. I have read the numerous complaints about this company and am in horror that the BBB has no rating for this company. Shame on you. This is so obvious that I can't believe this company is still around. Maybe I should call them and advise they owe me money and just because I said so. However, if they can impact your credit score this even becomes more critical. It's time the BBB do their job on this or totally lose credibility.

Desired Settlement: I want the collection amount of a measly $49.82 to be erased from any records and considered done. I want CCS to not contact me or my family from mail or phone.

Business Response: Our office is in receipt of the complaint filed by Ms. ***** ****. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with Ms. ****’s request to stop contacting her. Accordingly, we have closed this account with our office. Although we have closed this account, our client believes the account is due and we cannot control any actions they may take in regard to the matter.  We trust this resolves your concerns.

4/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was sent to collections through farmers insurance for a month that should not have been charged. i provided documents stating that i had a new insurance before this bill was sent to collections. i have proof that i shouldn't owe anything to farmers. they refuse to comply, i've sent two different documents to them and they will not take me out of collections. i will not make any payment arrangements with them seeing how i have the proof that they choose to ignore.

Desired Settlement: i would like to have this resolved. i have no reason to be in collections so i would like if i was removed from it. i can still provide proof that i don't owe anything to this company.

Business Response: Our office is in receipt of the complaint filed by Mr. ****** *********. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with Mr. *********’s request to stop contacting him. Although Mr. ********* has provided some documentation to our office, he has not provided the particular documentation that we have advised him that our client would need to review if an adjustment is due. Specifically, our client would need the declarations page from his new insurance company that was in effect prior to our client’s cancellation date of 12/30/11. If Mr. ********* could send this documentation to our office we would be happy to forward it to our client to determine if an adjustment is due.  We trust this resolves your concerns.

Consumer Response: 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.

I sent the documents my insurance told me I needed I proved my case and this should be the end of it. The page they required has been archived and I have no access. My insurance provider gave me a page that he said would work and there is no reason they shouldn't take it. 

Business Response: We regret that our previous response was not satisfactory to Mr. *********. As we stated previously, we have agreed with Mr. *********’s request to stop contacting him. Although the account has been closed with our office, we cannot control any actions our client may take in regard to the matter. Unfortunately, Mr. *********’s insurance agent provided him with inaccurate information regarding the documents our client would need to review if an adjustment to the balance is due. We trust this resolves your concerns.

Consumer Response: 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.

I've done everything i can do and the documents i have should have resolved this situation. My agent told me more than once that this document is the equivalent to the page they require and yet for some reason they act as if it is not. This is they type of document that most send when the document required is archived. There is nothing else i can do and i've done everything that i was required to do. CCS can not hold me accountable for said funds when i have proven my case several times and with two different documents. It was said in a letter i received today (03/28/13) that the property that was insured was not the same as the one they have on record. I called today and explained that the reason i changed insurance companies was because of the car change. I did not have the vehicle that was on ******* insurance anymore and I did not have it on the dates they say i owe for. i informed the agent at farmers when we dropped the insurance and everything seemed fine. I did not hear of this debt for almost 2 years. There were no letters or phone calls from them until recently. They had my old address where i lived when i was put into collections and i never got a single letter or phone call until january of this year (2013). I don't see why I should be held accountable for a debt that should have never been and it was a mistake on not my part but CCS and ******* Insurance Co. I should have never been sent in the first place.

4/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: March 14, 2013  Credit Collection Services  *** ***** ******  ******* ** *****  Re: File #** **** *****  Farmers Insurance, policy #*******  On December 6, 2012 our office received a Notice of Premium Due for the above  Farmers policy. On December 31, 2012 l emailed Farmers Insurance agent, Christian  *****, regarding the above policy. This policy was for the **** **** **********, which  we managed up until the middle September, 2012. ****** ********, owner of **** ****  switched to a different management company in the middle of September, then sold the  property. The policy was canceled on 11/20/12, but We did not manage the property on  11/20/12.  On February 5, 2013 I received a notice from Credit Collections Services stating we  were delinquent on the above Famers account, l spoke to **** *****. Mr. ***** stated  *****, no lastname, would handle the account and he, *****, would be calling. When  not hearing from *****, l again called Credit Collection Services on February 14, 2013  and again spoke with **** *****. l gave him ****** ********’s phone number and stated  that the bill does not belong to ******* **********, lnc.  At no time was ******* **********, lnc. ever the owner or holder of the insurance  policy. Bills were paid through our office for the owner but We did not hold the  policy. Yet ******* **********, Inc. has been sent to collections, not the owner of  the policy.  I have contacted Credit Collection Services, ###-###-#### but they apparently have  not taken our name off the collection because we received another notice. Again we are  not the holder of the policy.  Owner:  ****** ******** (###-###-####)  **** ** ***** ***  ********* ** *****

Desired Settlement: ****please view documents online****

Business Response: Our office is in receipt of the complaint filed by Ms. ****** ********. We greatly appreciate this opportunity to respond.   Please be advised that on 3/18/13, our client advised us that they received a direct payment on the account. Accordingly, the account was closed with our office at that time. Ms. ******** will hear nothing further from us in regard to this matter.   We trust this resolves your concerns.

4/1/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Credit Collection Service has placed an account on my Transunion Credit Report without following proper Federal Fair Credit reporting Act laws. They did not provide me with the required correspondence, and when I noticed the collection on my report, I sent them a Debt validation letter within the allotted amount of time. They did not repond to this request as required by law. This collection does not even belong to me, and they have placed a debt on my credit report in error, without the proper notification or validation. Therefore, since they have violated Federal reporting credit reporting laws, I will have no choice but to file a complaint with the Massachusetts office of the Attorney General for review unless this account is removed from my transunion report immediately.

Desired Settlement: The only resolution I will accept is the immediate removal of this collection account placed on my transunion credit report by Credit Collection Services otherwise I will file a complaint with the Massachusetts Office of the Attorney General for violation of the Fair Credit Reporting Laws.

Business Response: Our office is in receipt of the complaint filed by Ms. ***** *****. We greatly appreciate this opportunity to respond.
 
Please be advised that Ms. ***** does not provide any information in her complaint that assists us in locating an account. If she could provide our office with information listed on her credit report, we would be able to investigate her concerns. Specifically, if she could provide us with the file number listed, the name of the creditor, and the balance listed, we would appreciate it. Alternatively, if Ms. ***** wants to provide the portion of her credit report with the account listed, then she can upload it to the BBB’s complaint management system. Upon receipt of this information we will investigate her concerns further and respond accordingly.  We trust this resolves your concerns.

Consumer Response: 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.

CCS has requested further information from me in locating my account. The original creditor is with Comcast cable, and the amount owed is 365.00 I am unsure of the account number because my credit report does not list the full account number for my protection. I hope this gives enough information to find the account and remove it from my credit report.  

Business Response: As a preliminary matter, we would like to thank Ms. ***** for providing us with further information to locate the account in question. Please be advised that we have agreed with Ms. *****’s request to close this account and delete it from her credit bureaus. Please note that we cannot control the speed in which the bureaus will act upon our request and recommend giving the bureaus at least thirty (30) days to update their records. We trust this resolves your concerns.

Consumer Response: 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.

3/30/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I had car insurance with infinity gerneral ins. I had been with them for a year and when it came time to renew my police I noticed that the price had gone up 83 dollars. I called my insurance broker and asked him to cancel my policy and issue me another one with a different carrier. Which he did. I never agreed to the new terms on insurance and the compay still with drew two payments that I did not authorize. I called them to request them to stop billing me which they did, and now I get a collection bill.. I never renewed my police. I have a different insurance policy. I called the department of insurance and they told me, once I cancel the policy they cant keep billing me. Its against the law in california. Also in california its the law that you have to have insurance in order to drive. So when I caceld my policy I had to have broker issue me a new one same day. Infinity general charged me two month with out my consent after I canceld the policy, and now Credit collections serivices wants to charge me for an additional 6 months which i did not use or want. I need your help to make sure the big companys can't get away with charging what they want. Even when you cancel the policy and don't want there services.

Desired Settlement: nee my two months of payments made to Infinity Gerneral refuned to me and aslo need this collection from Credit collections serives to be dissmissed and removed from my credit. I pay all my bills on time and they can't force me to pay for something that I canceld and never authorized in the first place

Business Response: Our office is in receipt of the complaint filed by Mr. **** *****. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with Mr. *****’s request to close the account. Please be assured that we did not send this account to any credit bureau. Although we have closed this account, please be advised that we cannot control any actions our client may take in regard to the account. That being said, we would be happy to investigate Mr. *****’s claim that he obtained other insurance coverage if he could send the declarations page from his new insurance company that was effective before 12/29/12. Upon receipt of the documentation, we will send it to our client to determine if an adjustment is due.   We trust this resolves your concerns.

3/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Since July 2012 I have been receiving phone calls from this collection agency. Not only did I inform them that the person they are looking for is not at this number, but that this was a work phone number and they were not allowed to call it. I have spoken to CCS employees and repeatedly informed them to cease calling the phone number and they have not taken any actions to correct their mistake.

Desired Settlement: I want them to cease their illegal collection practices. They need to operate within the law by ceasing harassing phone calls to individuals' places of work and correct their information so third parties do not have to be interrupted for harassing phone calls.

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

Please be advised that if Ms. ******* could please provide us with the phone number she is receiving calls at, along with the name of the person the caller is looking for, then we would be happy to investigate Ms. *******’s concerns further. We trust this resolves your concerns.

Consumer Response: 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.

I do not recall the name of the person CCS is looking for.  I just know it is a man and not me.  The phone number they are calling is a government number and should be dropped from their list immediately, ************.

3/23/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Tax bill I do not owe . I am 80 years old have not worked since I was 62 . I have cancer . I would appreciate this stopped . I have been harrassed enough .

see Attached document

Desired Settlement: see Attached document

Business Response: Our office is in receipt of the complaint filed by Ms. xxxxxx. We greatly appreciate this opportunity to respond.
 
Please be advised that we have agreed with Ms. xxxxxs request to stop contacting her. Although we have closed this account with our office, please note that we cannot control any actions our client may take in regard to this matter.
 
We trust this resolves your concerns.