The CCS Companies

Our office is in receipt of the complaint filed by Mr. [redacted]. We greatly appreciate this opportunity to respond. Mr. [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 12/29/12 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. That being said, we have closed the file with our office and 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. 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.   It appears Mr. [redacted]’s concerns are not with CCS’ handling of the account. Instead, he disputes owing a balance to our creditor-client. Accordingly, we have...

closed this account with our office and forwarded a copy of the complaint to our client to review.   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] so long as this account is removed from my [redacted] and [redacted] credit reports. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
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, we are sorry for Mr. [redacted]’s loss. Please be assured that we have closed this file with our office and Mr. [redacted] will hear nothing further from us in regard...

to this matter. Please also note that we have forwarded a copy of this complaint to our client so that they are aware of Mr. [redacted]’s concerns. We trust this resolves your concerns.

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]. Please add your rejection comments below. 
[I want a specific name and telephone number of someone I can call to discuss the settlement further, due to the past experience's I've had with calling this company nobody ever knows of the settlement, so I want a name and phone number of who I can speak too]
Regards,
[redacted]

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 9/30/13. 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.

We are sending Ms. [redacted] a letter indicating the account has been closed with our office. Thank you.

Our office is in receipt of the complaint filed by Mr. [redacted]. We greatly appreciate this opportunity to respond.   Please be advised that the very same concerns were raised on behalf of Mr. [redacted] in a separate complaint filed with the Consumer Financial Protection Bureau (CFPB). In...

response to that complaint we advised Mr. [redacted] indicates that CCS violated the FCRA, but provides no basis for that assertion. If Mr. [redacted] could please provide us with additional information to support that assertion, then we would be happy to reconsider this further. That being said, we have closed this account with our office and the Credit Reporting Agencies (CRAs) were instructed to delete the account. Please note that we cannot control the speed in which the CRAs will act upon our request and recommend giving them at least thirty (30) days to update their records. Another concern of Mr. [redacted] is that he alleges CCS did not provide him with an opportunity to dispute the debt through a dunning letter. Contrary to his assertion, we did send him several letters, including a letter that included his validation rights. We have no reason to believe he did not receive our letters because the letters were not returned by the post office as undeliverable. Finally, Mr. [redacted] indicates that CCS’ attorney contacted him via email outside of the times permitted under the FDCPA. We would first like to point out that the person Mr. [redacted] contacted is not an employee of CCS; he contacted our outside General Counsel at an email address that is not owned or operated by CCS. Furthermore, our outside counsel was not emailing Mr. [redacted] regarding a debt collection matter, so the FDCPA and its time restrictions were not applicable. 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 our client previously reviewed the documentation that Mr. [redacted]
sent to our office and they adjusted the balance accordingly. Please note...

that
there was still a balance due after our client made the adjustment. The amount
due is for insurance provided by our client from the date of last payment
through the revised cancellation date. That being said, we have closed this
account with our office and Mr. [redacted] will hear nothing further from us 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 advised that we have no record of receiving any correspondence from him. That being said, We have closed this account with our...

office and are instructing the 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.

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]

Our office
is in receipt of the complaint filed by Mr. [redacted]. We greatly
appreciate this opportunity to respond.
Contrary to
Mr. [redacted]’ assertion, our office previously instructed the credit reporting
agency to delete the account. We have again instructed them to delete...

the
account, but please note that we cannot control the speed in which they will
act upon our request. We recommend giving them at least thirty (30) days to
update their records.
We trust
this resolves your concerns.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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]

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]

Our office is in receipt of the complaint filed by Ms. [redacted]. We greatly appreciate this opportunity to respond.Contrary to Ms. [redacted]’s concerns, we have no record of receiving any request for validation from her. Ms. [redacted] disputes owing a balance to our creditor-client. Please be advised...

that the account in question revolves around insurance policy that cancelled 03/23/15 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. 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 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. As a preliminary matter, please be assured that our telephone agent was polite and professional. Ms. [redacted] also indicates that our agent refused to provide her name, but at the...

very beginning of the call our agent provided her name and it was not requested from Ms. [redacted] at any point during the call. Notwithstanding the above, we have agreed with Ms. [redacted]’s request to stop contacting her regarding this matter. Accordingly, we have closed the account with our office and returned them to our creditor-client. 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. It does not appear that Mr. [redacted]’s complaint is with CCS’ handling of the account. Instead, he disputes owing a balance to our creditor-client. Mr. [redacted] indicates...

all equipment was returned and he received a receipt. Please note that the receipt was previously forwarded to us by Mr. [redacted] and we forwarded the documentation to our creditor-client. Subsequent to us sending the documentation to our client, our client informed us of an adjustment to the balance and to close the account. Please also be assured that we did not send this account to any Credit Reporting Agency (CRA). 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.   Please be advised that the very same concerns were raised on behalf of Ms. [redacted] in a separate complaint filed with the Consumer Financial Protection Bureau (CFPB). In...

response to that complaint we advised that contrary to Ms. [redacted] concerns, we have no record of receiving any correspondence from her. Ms. [redacted] disputes owing a balance to our creditor-client. Accordingly, we have closed Ms. [redacted]’s account with our office and forwarded a copy of the complaint to our client to review. We are also 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 Mr. [redacted]. We greatly appreciate the opportunity to respond. Please be advised that the very same concerns were raised by Mr. [redacted] in a separate complaint filed with the Consumer Financial Protection Bureau (CFPB). In response to that...

complaint we advised that Mr. [redacted] disputes the amount of the balance owed to his former insurance company (our creditor-client). Please be assured that we have confirmed with our client that the amount due of $179.00 is incorrect.   Another concern of Mr. [redacted] is that the interest rate on the balance is incorrect. However, please be assured that the balance in question does not include interest, nor is any interest being added on the account. The amount in question is the balance due for insurance provided from the date of last payment through the cancellation of the policy. Notwithstanding the above, we have closed this 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 we 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.   As a preliminary matter, please be advised that Ms. [redacted] was not being contacted by Credit Collection Services. Instead, she was being contacted by Credit Collection...

Services Commercial. Please also note that this matter revolves around a subrogation matter, not a consumer debt.   Notwithstanding the above, we have agreed with Ms. [redacted]’s request to stop contacting her regarding this matter. Please be advised that our client previously instructed us to close this file. The file was immediately closed with our office and Ms. [redacted] will hear nothing further from us in regard to this matter.   We trust this resolves your concerns.