Do you want to take a look at more? Visit the government’s CFPB complaint database.
- Lemberg Law
- Debt Collection Agencies: A Deep Dive
- I Reviewed Thousands of CCS Financial Services, Inc. Complaints. What the Data Shows
Key Points
- CCS Financial Services, Inc. is a debt collection company.
- Our analysis found that consumers frequently reported disputes about debt ownership and accuracy.
- Complaints also describe credit reporting issues and repeated CCS Financial Services phone calls.
Let’s Start From The Top: Who Is CCS?
Before we dive into the complaints, I wanted to provide some background information on CCS Financial Services.
CCS Financial Services, Inc., also goes by Credit Collection Services, is a third-party debt collection company founded in the 1960s. It is headquartered in Massachusetts and collects consumer and commercial debts on behalf of creditors. The company offers business services in four main areas: customer contact; consumer collections; commercial collections; and injury claims processing.
How I Reviewed CCS Financial Services Complaints
I have practiced FDCPA law for nearly two decades, so CCS is very familiar. Beyond the court arena, I wanted to give consumers the most clear and accurate picture so I reviewed CFPB complaint data involving CCS Financial Services, Inc.
Many disputes never reach court, which makes consumerfinance.gov an important source for understanding what consumers actually experience as well as review platforms such as Google and the Better Business Bureau.
After reviewing a large number of submissions, several recurring themes stood out.
Complaint Patterns I Kept Seeing
Based strictly on CFPB complaints, consumers most often report the following issues:
- Debt does not belong to the consumer: Many complaints state that the consumer does not recognize the account or believes it belongs to someone else.
- Incorrect balances or account status: Some complaints say the amount is wrong, already paid, or otherwise inaccurate.
- Problems obtaining debt verification: Consumers frequently report difficulty getting clear documentation after disputing the debt.
- Credit reporting concerns: Several complaints involve disputes about how or when CCS reported accounts to credit bureaus.
- CCS Financial Services phone calls: Some consumers describe repeated phone calls related to collection efforts.
These complaints reflect consumer allegations, not legal findings. However, taken together, they show where confusion and disputes commonly arise.
Example Complaints
Below are two examples reflecting the types of issues consumers report in CFPB complaints involving CCS Financial Services, Inc..
- “I am filing this complaint because a debt collector [CCS Financial Services, Inc.] is repeatedly contacting me by phone without my permission and in an excessive manner.”
- I am disputing an illegal collection account placed on my REDACTED credit report by Credit Collection Services. This account does NOT belong to me and appears to be a mixed file with someone who has a similar name.
How the Law Fits In
Once these patterns are clear, the next question is how federal law applies. That is where the fair debt collection practices act comes into play.
In general, the FDCPA:
- Limits how and when debt collectors may contact consumers.
- Requires clear information about the debt and the original creditor.
- Gives consumers the right to request written debt validation.
- Restricts misleading or deceptive collection practices.
- Governs how disputed debts may be reported to credit bureaus.
What Consumers Can Do
If you are dealing with CCS Financial Services debt collection, or any collector, there are practical steps you can take:
- Request debt validation in writing and keep copies.
- Ask for documents identifying the original creditor and balance.
- Track phone calls, letters, and credit report changes.
- Dispute inaccurate or unverified accounts promptly.
- Consider paying only until when the debt is properly verified.
Get a Free Case Evaluation
If CCS Financial Services, Inc. has contacted you and you are dealing with disputed debts, credit reporting issues, or repeated phone calls, you may have rights under the fair debt collection practices act.
We offer free case evaluations, and you pay nothing upfront. We do not get paid unless we win.
If the situation is not improving, contact us today to find out whether you can take action before it gets worse.
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About the Author:
Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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