CCS Financial Services, Inc. Debt Collection Complaint

CCS Financial Services, Inc. Debt collection department,

Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt Pennsylvania

- 2016, terminated service with - -. A couple months later, received collections letter from Credit Collection Services about a debt. Called them to ask more information and for them to provide proof that I owed debt. They could not provide that information. They instead told me that I needed to prove that I didnt owe the debt. Contacted - to get clarification. Was transferred numerous times and eventually disconnected. Called back to see if deposit money was every applied to account and if not, when will I receive it. Represenatives stated that they could not see back more than a year to see that information. Stopped my efforts to gain information. - -, collections account showed up on my - credit report. I called - directly and paid the past due amount while speaking to representative on phone while he ordered archived bills to check where the deposit money is. He stated to call back


also entered a dispute with -. Called the collection agency and they verified that the account had a - balance. - is reporting paid in full. Spoke with the collection department at - and she stated that she submitted the ticket to remove the account from collections and that my debt was paid. Collection accounts that are closed and returned to the original creditors are to be deleted from the - reporting agencies, as these accounts are no longer in collection. This account has been paid to - and I have receipts from - proving that the accounts have been paid in full. Credit Collection Service verification of the accounts as a " Paid Collection '' is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; 15 USC 1692e ( 8 ) providing false information to credit reporting agencies. FCRA violations ; 15 U.S.C. 1681i duties of furnishers to provide accurate information. 15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting.