The CCS Companies

Our office is in receipt of the complaint filed by Ms. [redacted]. We greatly appreciate this opportunity to respond.   Ms. [redacted] indicates she has been attempting to reach our office to validate the debt in question but has not been able to reach anyone. Contrary to Ms. [redacted]’ assertion, the...

one and only time we spoke to her was on 04/15/17. Please be assured that Ms. [redacted] did not request validation of the account during that telephone call.   Please be advised that the account in question revolves around insurance policy that cancelled 01/25/17. When the policy cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation date. Notwithstanding, we have closed Ms. [redacted]’ account with our office and forwarded a copy of the complaint to our client to review. We have also instructed the Credit Reporting Agencies (CRA) to delete the account. Please note that we cannot control the speed in which the CRA acts upon our request and recommend giving them at least thirty (30) days to update their records.   We trust this resolves your concerns.

Our office is in receipt of the complaint filed by Ms. [redacted]. We greatly appreciate this opportunity to respond.   Contrary to Ms. [redacted]’ assertion, we did provide her with verification of the account. Notwithstanding, we have closed the account with our office and forwarded a copy of...

the complaint to our client to review. We have also instructed the Credit Reporting Agencies (CRA) to delete the account. Please note that we cannot control the speed in which the CRA acts upon our request and recommend giving them at least thirty (30) days to update their records.   We trust this resolved your concerns.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted].  CCS Companies billed me wrongly — this bill should be for a different [redacted]. I do NOT owe this bill. They picked the wrong person because I have a very generic Asian name 
Regards,
[redacted]

Our office is in receipt of the complaint filed by Mr. [redacted]. We greatly appreciate this opportunity to respond.   As a preliminary matter, please be advised that prior to receiving this complaint we have agreed with Mr. [redacted]’ request to stop contacting him. Accordingly, this...

account was closed with our office.   Contrary to Mr. [redacted]’ concerns, we have no record of receiving any request for verification from him. Please be advised that the account in question revolves around an insurance policy that cancelled on 10/02/16. When the policy cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation date. Notwithstanding, we have forwarded a copy of the complaint to our client to review. We have also instructed the Credit Reporting Agencies (CRA) to delete the account in question. Please note that we cannot control the speed in which the CRA acts upon our request and recommend giving them at least thirty (30) days to update their records.   We trust this resolved your concerns

Our office is in receipt of the complaint filed by Ms. [redacted]. We greatly appreciate this opportunity to respond. Ms. [redacted] is requesting a refund from our office. Please be advised that we are still investigating this matter, but in the meantime, please note that we have already sent Ms....

[redacted]’s refund in the amount of $301.36 and we are also in the process of sending her a check for her overdraft fees. We trust this resolves your concerns.

Our office is in receipt of the complaint filed by Ms. [redacted]. We greatly appreciate this opportunity to respond. Ms. [redacted] indicates that CCS did not provide her with validation of the debt. Please be advised that this account was previously closed with our office when Ms. [redacted]’...

request for validation was received. Ms. [redacted] disputes owing a balance to our creditor-client. Please be advised that the account in question revolves around an insurance policy that cancelled on 05/03/14. When the policy cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation date. Notwithstanding the above, this account is closed with our office and we have also forwarded a copy of the complaint to our client to review. As a courtesy, we have instructed the Credit Reporting Agency (CRA) to delete the account. Please note that we cannot control the speed in which the CRA will act upon our request and recommend giving them at least thirty (30) days to update their records. We trust this resolves your concerns.

Our office is in receipt of the complaint filed by Ms. [redacted]. We greatly appreciate this opportunity to respond. Contrary to Ms. [redacted]’ assertion, please be advised that we have no record of speaking to or receiving any correspondence from her. We did previously send her correspondence...

regarding the account in question. We have no reason to believe she did not receive our previous correspondence as it was mailed to the same address listed in his complaint and there is no record of mail being returned by the post office as undeliverable.   Notwithstanding the above, we have closed this account with our office and are instructing the Credit Reporting Agency (CRA) to delete the account. Please note that we cannot control the speed in which the CRA acts upon our request and we recommend giving them at least thirty (30) days to update their records.   We trust this resolves your concerns.

Our office is in receipt of the complaint filed by Ms. [redacted]. We greatly appreciate this opportunity to respond.   Ms. [redacted] indicates that we ignored a previous letter she sent to us, but contrary to her assertion, we closed the account in question in accordance with her request...

to cease and desist and sent her a letter indicating that the account was closed with our office and the Credit Reporting Agency (CRA) was instructed to delete the account.   We trust this resolves your concerns.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. As they have not agreed to remove the erroneous reporting from the credit bureaus, I have no other issues. I understand that by choosing to accept the business response that my complaint will be closed as resolved.

We regret
that our previous response was not satisfactory to Ms. [redacted]. Unfortunately, we
cannot set-up automatic payments for $20.00 per month. As we indicated
previously, we cannot enter into an official payment plan for that amount, but
we would apply any amounts sent to us toward the balance due. We trust this
resolves

Our office is in receipt of the complaint filed by Ms. [redacted]. We greatly appreciate this opportunity to respond. Contrary to Ms. [redacted]’s assertion, she initially spoke to a Customer Service Agent named [redacted] in our office, not [redacted]. Please be assured that Ms. [redacted]...

received all of the required disclosures, and that our telephone agents were polite and professional at all times. Ms. [redacted] is also alleging that CCS utilized the “settlement,” and that the use of that word implied that CCS would pursue her through court action, which made her upset and scared. Contrary to her statement, it was not the Customer Service Agent who first discussed any settlement. Instead, it was Ms. [redacted] who brought this up when she asked whether she could settle the account. Notwithstanding the fact that the topic of settlement was initiated by Ms. [redacted], both she and her brother made it very clear that they both work in the collection industry. In light of this, Ms. [redacted] is more than familiar with what settlement implies, which is paying a reduced amount to resolve the balance due. Notwithstanding the above, we have closed this account with our office. Please be assured that we did not send this account to any Credit Reporting Agency. Although we have closed this account with our office, please note that our client believes the account is due and we cannot control any actions they may take in regard to this matter. We trust this resolves your concerns.

Our office is in receipt of the complaint filed by Mr. [redacted]. We greatly appreciate this opportunity to respond.   Contrary to Mr. [redacted] assertion, please be assured that we have attempted to contact him through telephone calls and letters since the account was placed with our...

office in April 2012. Please note that these communications were made to the very same address and telephone number listed in his complaint.   The account in question revolves around an insurance policy that cancelled on 2/6/12. When the policy cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation date. That being said, we have closed this account with our office and are instructing the Credit Reporting Agency (CRA) to delete the account. Please note that we cannot control the speed in which the CRA acts upon our request and we recommend giving them at least thirty (30) days to update their records.   We trust this resolves your concerns.

Our office is in receipt of the complaint filed by Ms. [redacted]. We greatly appreciate this opportunity to respond. Ms. [redacted] disputes owing a balance to our creditor-client. Please be advised that the account in question revolves around an insurance policy that cancelled on 07/30/16 due to...

nonpayment. When the policy cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation date. Notwithstanding the above, we have closed this account with our office and forwarded a copy of the complaint to our client to review. As a courtesy, we have instructed the Credit Reporting Agency (CRA) to delete the account. Please note that we cannot control the speed in which the CRA will act upon our request and recommend giving him at least thirty (30) days to update their records. We trust this resolves your concerns.

Our office is in receipt of the complaint filed by Mr. [redacted]. We greatly appreciate this opportunity to respond.Please be advised we cannot locate the account in question with the information that has been provided to CCS as part of Mr. [redacted]’s complaint. If Mr. [redacted] could please...

provide us with the telephone number he is receiving calls, previous and current addresses, or a copy of letter from CCS indicating a file number we would be happy to investigate her concerns further. To expedite this matter, she can email the information to [redacted]. We trust this resolves your concerns.

Our office is in receipt of the complaint filed by Ms. [redacted]. We greatly appreciate this opportunity to respond. Ms. [redacted] disputes owing a balance to our creditor-client. Please be advised that the account in question revolves around an insurance policy that cancelled on 05/05/15...

due to nonpayment. When the policy cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation date. Ms. [redacted] indicates the vehicle was sold. If Ms. [redacted] could please send our office a copy of the documentation showing the vehicle was sold and we will forward the documentation to our creditor-client to review. Notwithstanding the above, we have closed the account with our office and forwarded a copy of the complaint to our client to review. We have also instructed the Credit Reporting Agency (CRA) to delete the account. Please note that we cannot control the speed in which the CRA acts upon our request and recommend giving them at least thirty (30) days to update their records. We trust this resolves your concerns.

Our office is in receipt of the complaint filed by Mr. [redacted]. We greatly appreciate this opportunity to respond. Please be advised that we cannot locate the file in question with the information that has been provided to CCS as part of Mr. [redacted]’s complaint. If Mr. [redacted] could...

please provide us with a copy of his telephone billing records showing calls from CCS, we would be happy to investigate his concerns further. To expedite this matter, he can email the information to [redacted]. We trust this resolves your concerns.

Our office is in receipt of the complaint filed by Ms. [redacted]. We greatly appreciate this opportunity to respond.   Contrary to Ms. [redacted]’s assertion, we have not received from her a request for validation. Also, Ms. [redacted] indicates that we did not contact her or give her the...

opportunity to dispute the debt. Please be assured we sent her correspondence that contained all of the required disclosures, including the required validation language that was sent in December 2015. That being said, as a courtesy, we have instructed the Credit Reporting Agency (CRA) to delete both accounts. Please note that we cannot control the speed in which the CRA acts upon our request and we recommend giving at least thirty (30) days to update their records.   We trust this resolves your concerns. Very truly yours,

Our office is in receipt of the complaint filed by Mr. [redacted]. We greatly appreciate this opportunity to respond.   Please be advised that we have agreed with Mr. [redacted]’s request to close this account with our office and return it to our creditor-client. We have also instructed the...

Credit Reporting Agency (CRA) to delete the account. Please note that we cannot control the speed in which the CRA acts upon our request and we recommend giving them at least thirty (30) days to update their records.   Notwithstanding the above, we received a payment in the amount of $20.00 on 7/6/16. That payment was applied towards the balance owed. Mr. [redacted] indicates that he sent us a copy of the cancelled check for the other payment, but all we received was his letter without enclosures. If Mr. [redacted] has documentation showing CCS processed a second payment from him, then we would please ask him to send us a copy of the cancelled check so that we can look into this further.   We trust this resolves your concerns.