The CCS Companies

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 client placed this account with
our office with a balance due by Ms. [redacted]. Our client’s records indicate
that the...

policy for the 2006 [redacted] cancelled on 1/14/2011. 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 that this was the first she has heard that she owes a balance to our
client. Contrary to her assertion, we had sent her several letters and made
phone calls to her in regard to this matter since the account was placed with
us in February 2011. Please also note that on 5/21/2011, we have a record that
Ms. [redacted] accessed our website and provided us with the same email address listed
in her complaint.?Notwithstanding
the above, we have agreed with Ms. [redacted]’s request that we stop contacting
her in regard to this matter. Please be assured that we did not send this
account to any Credit Reporting Agency.
 
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 Ms. [redacted]. We greatly
appreciate this opportunity to respond.
 
Please
be assured that our creditor-client placed this account with our office under Ms.
[redacted]’ responsibility.  The account in
question revolves around an...

insurance policy that cancelled on 07/14/12 for
non-payment. When the policy cancelled there was still a balance due for
insurance coverage provided from the date of last payment through the cancellation
date. If Ms. [redacted] could please send us a copy of the declarations page from
her new insurance company that pre-dates the cancellation date, then we would
be happy to forward the documentation to our client to determine if an
adjustment is due. That being said, we have closed this account in 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.

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]. Please add your rejection comments below. 
This is a highly unethical business. They previously claimed to have removed my personal home number from their database but the unsolicited calls continue. I have never purchased a product from this business nor would I ever employ their services. The called my home again after previously saying my number was removed from their database. Again, I called back and was asked by a CCS agent if I knew [redacted]. I do not know [redacted]. I have never known anyone by that name. A reasonable person would expect that CCS would cease calling my number repeatedly, over the course of many months, after asking the same question and receiving the same answer. I know they are bill collectors. I have a flawless credit record and have never had a credit problem. CCS won't accept that they have wrong contact information for [redacted]. I have opened a complaint with the FCC. This business should have their license revoked for the unethical practices. I will agree to closing this case when the phone calls permanently cease- and they have not. How can they have an A rating from the Revdex.com? Does the Revdex.com have standards? 
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]’ assertion, please be assured that we did send her correspondence indicating that her account was being placed on her credit report. The account in...

question revolves around an insurance policy that cancelled on 10/17/13 due to nonpayment. When the policy cancelled there was still a balance due for insurance coverage provided from the date of last payment through the cancellation date. However, if Ms. [redacted] would send us a copy the declarations page from her new insurance company, we would be happy to forward the documentation to our client to determine if an adjustment is due. Notwithstanding the above, please be advised that we have closed this account with our office 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 acts upon our request and we recommend giving 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 not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]
The attachment shows the effective date of my new policy was 9/30/2016.]
Regards,
[redacted]

Our office is in receipt of the complaint filed by Ms. [redacted]. We greatly appreciate this opportunity to respond.   Mr. [redacted] indicates that she does not recognize the debt in question.  Please be assured that our client placed this account in our office for...

collections on 9/19/16 in the amount of $755.00. Please note that the balance due represents medical laboratory testing performed by our client on 1/14/15. That being said, we have closed this account with our office and Ms. [redacted] will hear nothing further from us in regard to this matter.   As a courtesy, 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 Ms. [redacted]. We greatly appreciate this opportunity to respond. It appears that Ms. [redacted] is confusing our company with a company that has a similar name. First, we cannot locate any files for Ms. [redacted]. Second, the types of statements...

made to Ms. [redacted] are not within our policies, procedures, or training. We suggest that the next time Ms. [redacted] receive a call from the company in question that she obtain the full name, address, telephone number, and as much information about the account as she can obtain. 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 Ms. [redacted] also filed two CFPB complaints with similar
concerns. In regard to those complaints we advised that contrary to...

Ms.
[redacted]’s assertion, this was a post-discharge debt. She indicates that her
bankruptcy discharged occurred in April 2011, but the effective date of this
policy was not until March 2012.
 
Further contrary
to Ms. [redacted]’s assertions, we did not threaten her with a judgment and
garnishment of her wages. In fact, we never spoke with her regarding this
matter.
 
Notwithstanding
the above, we closed this account 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.

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 Ms. [redacted]. We greatly appreciate this opportunity to respond. Ms. [redacted] disputes owing a balance to her former insurance company (our creditor-client). Please be advised that the account in question revolves around an insurance policy...

that cancelled on 4/8/13. 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 she purchased new insurance and provided us with the declarations page from her new insurance company. Accordingly, we have forwarded the documentation to our client to determine if an adjustment is due. As a courtesy, we have closed this account with our office and the Credit Reporting Agency (CRA) is being instructed to delete the account. 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.

Our office is in receipt of the complaint filed by Mr. [redacted]. We greatly appreciate this opportunity to respond. Contrary to Mr. [redacted]’s concerns, we did not report this account to the Credit Reporting Agencies, nor do we have a record of a validation request from Mr. [redacted]. That being said, we...

have agreed with Mr. [redacted]’s request to cease and we have we have forwarded a copy of the complaint to our client to review. We trust this resolves your concerns. 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. As a preliminary matter, please be advised that we have agreed with Mr. [redacted]’ request to stop contacting him. Accordingly, we have closed this account with our office. ...

Contrary to Mr. [redacted]’ concerns, we do not have a record of contacting him at 10:46 PM. If he could please provide us with his telephone billing records showing a call at that time, then we would be happy to investigate his concerns further. 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 in response to Mr. [redacted]’s complaint, our creditor-client has advised us that they have adjusted Mr. [redacted]’s complaint to reflect no balance due. Furthermore,...

the account has been closed with our office. Please be assured that we did not send this account to any credit reporting agency. 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]’ concerns, we have no record of receiving any request for verification from her. Please be advised that the account in question revolves around an...

insurance policy that cancelled on 02/06/16. When the policy cancelled there was still a balance due for insurance provided from the date of last payment through the cancellation date. We have agreed with Ms. [redacted]’ request to stop contacting her regarding this matter.   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 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 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 5/18/11 due to...

nonpayment during the first term. Mr. [redacted] indicates the policy was never effective because he did not purchase the home. Accordingly, we have closed the file with our office and forwarded a copy of the complaint to our client to review. 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 previously conducted a reasonable investigation that determined that the information reported to the Credit Reporting Agency (CRA) was accurate....

That being said, on 6/10/16, we instructed the CRA to delete the account as a courtesy to Mr. [redacted].   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].  
 
I have been in touch with [redacted] University over this matter.  They have never received payment from your service and have not issued me a credit.  Somebody is lacking in accuracy and since my HSA and [redacted] has never received credit for that payment.  At this point this is now harassment!
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].  My payment was cleared to a utility company and when I asked for a receipt from the collection agency one was denied.  The transaction receipt from my HSA is attached. As you can see who it was not sent to [redacted] Hospital. Any legal transaction a receipt is provided.  The other statement from this agency also raised red flags.  They asked me not to pay [redacted] directly.
Regards,
[redacted]