CCS Financial Services, Inc. Debt Collection Complaint

CCS Financial Services, Inc. Debt collection department,

Other (phone, health club, etc.) False statements or representation Attempted to collect wrong amount North Carolina

My granddaughter was scammed by - of her friends by processing a stolen check through her checking account. When I got the letter in the mail of a returned check I immediately went to the bank. The representative printed off the check, it was from someone in New York. After doing some investigation I found that the check had been stolen from an elderly woman by her care taker. I contacted the bank and advised them what I had found out. I also pressed charges against the young man. After all the back and forth with the bank they sent it to a collections agency. The agency contacted me and after explaining to them took they offered me a settlement amount if I were to pay $200.00 on that day and - payments after that. I asked if they would send me something in writing stated the agreement before I send in the payments according to the arrangement. I was told I would get a letter, I never received an agreement. I contacted them - times after not receiving anything. They finally said they sent it to my granddaughter 's school where she attends college. I phoned my granddaughter and


made only the amount that had be sent to them by the bank. I phoned back and was told that because I had missed my payment arrangement it was cancelled and would have to start a new -. I explained I did not missed a payment, it was poor communication about the letter I was to receive. I started to send payments. I decided that we would make payments in increments as long as the amount was paid by the date they set. I ask if this was ok and was assured it was. We continue to make payments and each representative would give me the original amount until I explained the agreement. I would place me on a long holds, they would come back and state they it is documented. Each representative I spoke with I would ask, why am I getting notices that are not reflecting the agreement amount but the original amount from the bank. Each time I was told it was documented. After a couple of the representatives I spoke with stated the original $200.00 was to go toward the second arrangement this would have made our balance $430.00. I phoned them on - -, 2015 to make a payment on the $430.00 and was told it was $630.00. I advised the young lady I would be filing a complaint because I felt that I was just throwing money away. I received a call from another young lady early Saturday morning stating that the agreement was broken and that we now own $1000.00. I advised her that I had filed a consumer compliant and would speaking with the - on Monday morning. The arrangement changed, I never received an agreement with the settlement amount and I was n't treated fairly. I feel that we have been scammed a - time.