CCS Financial Services, Inc. Debt Collection Complaint

CCS Financial Services, Inc. Debt collection department,

Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Rhode Island

Unexpectedly, I received a Collection notice for a cancelled car insurance premium I do not owe from - -. I cancelled the policy in -, - and switched my car insurance to - - in Rhode Island. Here are the details : In - - my car insurance was renewed for -/-/- with installment payments. On - -, - I paid the first installment of $480.00. I found more affordable insurance with - in Rhode Island and cancelled the - - policy in - -. In - - I received a collection notice without any prior contact from - - about an outstanding balance. Upon contacting the collection agency I was directed to contact - - directly and requested a detail bill statement which they sent and I have provided. The attached statement details my -/-/- Renewal Premium of $5300.00, my payment for the first quarter of the year ( $480.00 ) and a cancellation credit of $4200.00. The statement that I requested fails to demonstrate how - - calculated or derived an inexplicable bill for $1100.00 as an outstanding policy balance. The agent at


) I never received a bill from - - after their - -, - " cancellation notice '' which had I paid would have provided coverage for the next quarter not the previous one. - - has a graduated payment schedule with increasing premiums as the year progresses. I paid all premiums due on the policy and they are retroactively attempting to get me to pay for insurance that I do not owe. Additionally, simple math shows that by subtracting the my - payment and my cancellation notice from my Renewal premium the balance does not equal $1100.00. The credits do not offset the premium to equal the policy balance. This appears to be some unfair collection process and - - is not able to substantiate their claim with minimal documentation or simple math. Further, the hidden approach taken by the firm to wait - months from my cancellation period to send a collection notice without prior correspondence appears to be an attempt to force me to pay a bill without justifying their practice through normal means. Not sure if this is good business practice and it certainly is not full disclosure or due process. Lastly, I requested a full statement and accounting from - - and they instead sent me an abbreviated transaction detail that is incomplete. ( Also included in the attachment ) - - 's policy is a " pay as you go '' program whereby you pay for coverage on a quarterly basis and your payment covers the period stipulated by payment in the terms of the policy ( one quarter ). You could pay for one full year, bi-annual, etc. Payments are not for the previous quarter 's coverage as falsely stated by the - - rep and explains why they did not provide a full explanation or additional details to document that fact. I feel that the firm is misleading and has been uncooperative in their attempts to collect payments not due.