Date Received: 2018-07-19T00:00:00
Product: Other debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: On XX/XX/2018 I received ” Collection Notice letters, from a collection agency. One from the original creditor : XXXX XXXX XXXX, XXXX and the other from XXXX XXXX XXXX Neither name I am familiar with. The debt had been sold to XXXX XXXX XXXX. After checking the license/bonding in the state of Florida, XXXX XXXX XXXX does not appear ” Active ” on any list. This is the name on both of the letters they sent attempting to collect a debt. However once I checked on the XXXX site and rechecked licensing, I noted that the address is the same on a company called XXXX XXXX XXXX. Although both share the same acronym, the two names are not the same. Perhaps they are using a fake company name? I’m not sure. However I do know the names must be the same AND actively licensed/bonded to legally collect, or attempt to collect a debt, in my state.
Company: CCS Financial Services, Inc.
State/Zip: FL 334XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2966950
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.