The CSS Companies are a corporate group offering Accounts Receivable Management (ARM) and Business Process Outsourcing (BPO) services. CCS has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as failing to provide verification of a debt. If you have been contacted by CCS, make sure you know your rights before responding.
According to the Better Business Bureau (BBB), CCS was founded in 1966 and incorporated in Delaware in 1969. Its headquarters are located in Massachusetts. The BBB opened its file on CCS Companies in 2005. The BBB categorizes CCS as a collection agency and a voice mail service. Alternate business names include Credit Control Services, Inc.; Credit Collection Services Commercial; Credit Collection Services; and CCS.
CCS (Credit Collection Services) offers “solutions,” or business services in four major areas: customer contact; consumer collections; commercial collections; and injury claims processing. Their customer contact service offers specialized areas including automated voice messaging; call center service; and direct and e-mail marketing campaigns.
CCS currently provides these services to financial services organizations such as banks and lenders; telecommunications and cable industries; healthcare providers; energy and utility companies; retail stores; and student loan providers.
CCS’ website is directed almost exclusively to corporate clients and potential clients. Their site highlights their state-of-the art technology and cutting-edge marketing and call center management techniques. Their site hosts a video of their headquarters location that shows their commitment to keeping employees happy, including expansive and well-designed office space and exercise facilities. Their site does not include references to compliance policies or consumer protection laws like the Fair Debt Collection Practices Act (FDCPA) or the Fair Credit Reporting Act (FCRA). There is no payment portal or link to consumer resources.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
The BBB lists 511 complaints against CCS Companies closed in the past three years, with 203 complaints closed in the past 12 months. Most of these complaints were about billing and collection issues. There are also 40 negative customer reviews that allege efforts to collect debts not owed; overly aggressive collection efforts; and other violations. Justia lists only about 2 cases of civil litigation resulting from complaints about illegal collection activity in which CCS was named as a defendant.
Complaints against CCS range from allegations that collection agents use false and misleading information or other forms of misrepresentation; to failure to provide verification of debts; to efforts to collect debts not owed; to harassment and threats; to inaccurate reports of delinquencies to the credit reporting agencies. All of these activities are potential violations of the FDCPA, the FCRA, or other consumer protection laws. For example, in August 2017, a complainant requested that CCS cease efforts to collect a debt of over $2,000. The complainant had been in a car accident in which she had not been at fault, so she could not understand why a collection agency was calling her for related charges. CCS indicated that the matter was related to a commercial account rather than a consumer credit account, but agreed to cease collection efforts regardless. Also in August 2017, a complainant indicated that CCS had failed to provide verification for an $85.00 debt and then reported it to the credit reporting agencies. CCS replied that they had never received a request for verification and indicated the delinquency was the result of a cancelled insurance policy. Regardless, CCS Companies agreed to cease communication with the complainant and also agreed to delete the delinquency from her credit report.
The CCS Companies (Credit Collection Services)
725 Canton Street
Norwood, MA 02062-2679
Telephone: (617) 965-2000
Website: https://www.ccsusa.com/
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
“I got my settlement check yesterday. Thank you all for helping me with my debt problem. The past year has been a really demanding one and this check is really going to help. So impressed by Lemberg Law.”
“Joann was so professional and helpful every time I had a question or needed help. Thank you so much for caring!”
“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! Thank you so much! It had been more than I anticipated.”
Chances are we can. Call us today and we’ll tell you how we can help.
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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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I was hit by someone who’s insured with Allstate. Allstate has accepted 100% of responsibility for the accident. However I am getting repeated calls and texts stating I have a debt of over $6K due to not having insurance. Which I do, provided and it was by the police from the initial report at time of accident. How do I stop these people from simply claiming a falsehood, and attempting to damage me financially through my credit ?!
This is making me feel literally insane, I can’t sleep or think and I feel like there’s nothing I can do about these people taking advantage of me! Please help.
Allstate insurance referred me to this debt collector, because I was canceling my policies with them and didn’t notify them who the new insurance would be written through. The crazy thing is that my new agent at State Farm received the information from the agent at Allstate to start my new policies.
CCS keeps validation an invalidated $87 alleged debt (insurance). I finally had them removed from Credit reports on TU and EX however, they keep updating EQ and EQ keeps verifies as accurate however, I cannot seem to get any validation from CCS. Any suggestions to get them finally removed from EQ. Should I start a complaint campaign with all BBB, FPCB, FTC, AZ AG?
Pnc bank ate liars and thieves. ccs teying to be on their side wjen i literally watched these ppl steal monies out my account right before my eyes starting with 59. 00 taken out of saving to put in checking already a balance but the balanced came up 35.03? Where is the other from 59.00?
Can you help me remove CCS from my report even we agreed to remove it from my credit report after settlement but it’s only been removed for 2 years and come back up in June 2020
My family, near and far, are getting harrassing calls from this CSS organization. They have reached out indicating they are being told they want my address to send a legal document OR that I named them as an alternate for a delivery. I have no idea who these people are but they are relentless, threatening, and aggressive. I have gotten no written mail from this company and no messages on my own phone.. My concern is moreso the harrassment of family..some I haven’t talked too in years!