Quick Answer: CCS Offices is a caller ID trade name for Credit Collection Services, Inc., a division of The CCS Companies based in Norwood, Massachusetts. They collect for energy companies (Eversource), healthcare providers (LabCorp), insurance carriers (Allstate, Progressive, Geico), and telecom providers as both a third-party collector and debt buyer. Their most commonly reported contact number is 617-965-2000. The Consumer Financial Protection Bureau has received 2,226 complaints about Credit Collection Services — the single most common issue is collecting debts consumers say they never owed.
If CCS Offices is in your call log: That call is a business communication, not a threat. Credit Collection Services operates under the Fair Debt Collection Practices Act, which gives you specific rights before you pay a single dollar — including the right to demand written proof the debt is yours. This page gives you what you need to respond from knowledge, not fear.
| Company Detail | Information |
|---|---|
| Caller ID Name | CCS Offices / CCS Collections |
| Legal Name | Credit Collection Services, Inc. |
| Parent Company | The CCS Companies |
| Type | Third-party debt collector and debt buyer |
| Headquartered | 725 Canton Street, Norwood, MA 02062 |
| Website | ccsusa.com |
| Primary Creditors | Eversource, LabCorp, Allstate, Progressive, Geico, Qwest, municipal governments |
| Primary Phone | 617-965-2000 |
| CFPB Complaints | 2,226 filed with the Consumer Financial Protection Bureau |
| Federal Court Cases | 4 FDCPA lawsuits on record |
| Governed By | Fair Debt Collection Practices Act (FDCPA) |
CCS Offices is a debt collection agency — if they’re in your call log, they believe you owe money on an account, most likely a utility, medical, insurance, or telecom bill.
The name “CCS Offices” appears on caller ID because Credit Collection Services uses that display name on outbound calls — their legal name is Credit Collection Services, Inc. With 2,226 CFPB complaints, the pattern is clear: nearly half of all complaints allege they attempted to collect debts consumers say don’t belong to them.
You landed here because someone is chasing you for money. That part does end — and what happens next is the part almost nobody writes about.
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Who Is CCS Offices?
CCS Offices is the caller ID name used by Credit Collection Services, Inc., a subsidiary of The CCS Companies headquartered at 725 Canton Street in Norwood, Massachusetts. Credit Collection Services operates as both a third-party collector — meaning original creditors hire them to chase unpaid accounts — and as a debt buyer, purchasing charged-off debt portfolios for cents on the dollar and collecting the full amount. Whether they own your debt or are collecting on behalf of a client matters for negotiations: if they bought it at a steep discount, there’s often more room to negotiate than they’ll volunteer. Ask them directly which arrangement applies to your account.
CCS Offices Phone Numbers
Credit Collection Services uses multiple phone numbers when contacting consumers. All of them originate from the 617 and 781 area codes — the greater Boston area where their Norwood headquarters is located. If any of the numbers below appeared on your caller ID, it was CCS Offices, and the same FDCPA rights apply regardless of which number called.
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| Phone Number | Reported Use | Consumer Reports |
|---|---|---|
| 617-965-2000 | Main corporate / collections | Company-listed main number (ccsusa.com) |
| 781-382-1000 | Primary outbound collections | 27+ reports on ShouldIAnswer.com — most active collections line |
| 877-870-1000 | Toll-free collections line | Multiple consumer reports; nationwide outbound calls |
| 781-620-8000 | Collections / account inquiries | Community-confirmed via 800notes.com and ShouldIAnswer |
| 781-566-8000 | Collections outbound | Community-confirmed caller reports |
| 781-694-9000 | Collections outbound | Community-confirmed caller reports |
| 781-989-1000 | Collections outbound | Community-confirmed caller reports |
| 781-797-8000 | Collections outbound | Community-confirmed caller reports |
| 781-382-3000 | Collections outbound | Community-confirmed caller reports |
| 781-452-9000 | Collections outbound | Community-confirmed caller reports |
| 617-581-1071 | Collections / follow-up calls | Community-confirmed caller reports |
Free Tool — Debt Collector Rights Lookup: Being contacted by a debt collector? The free Debt Collector Rights Lookup shows your state-specific protections — statute of limitations, garnishment limits, and what collectors are legally prohibited from doing. Look Up Your Rights →
Why Is CCS Offices Calling You?
- A utility account — Eversource is their primary energy client. If you had electric or gas service through Eversource and the account went unpaid or disputed, CCS is the collector they use.
- A medical bill — LabCorp and other healthcare providers send accounts to CCS. Medical debt is the #2 category in their CFPB complaints, and billing errors are common before accounts ever reach collection.
- An insurance balance — Allstate, Progressive, and Geico all use CCS for unpaid premiums or post-claim balances consumers dispute.
- A debt that isn’t yours at all. Nearly half of all CCS CFPB complaints — 908 out of 2,226 — allege they attempted to collect debts the consumer never owed. Wrong person, resolved account, or purchased debt with bad records are all documented patterns.
- A time-barred old account. As a debt buyer, CCS purchases portfolios of aged debt. Collectors can still contact you about old debt even after the statute of limitations expires — they just can’t sue to enforce it.
A call from a debt collector is not proof you owe anything. It is an opening position. Treat it like one.
Free Tool — Statute of Limitations Checker: Dealing with old debt? The free Statute of Limitations Checker tells you if the collection clock has expired in your state — including the zombie debt and clock-restarting traps collectors use. Check My Status →
What CFPB Complaints Reveal About CCS Offices
The Consumer Financial Protection Bureau’s complaint database contains 2,226 consumer complaints referencing Credit Collection Services. The most common categories:
Read Consumer Complaint Narratives (6 published accounts)
“This is not a refusal to pay an alleged debt! CREDIT COLLECTION SERVICES claims that I am obligated to pay them an alleged debt associated with account # XXXX. CREDIT COLLECTION SERVICES shall provide me with the original instrument of indebtedness (signed contract) or proof that it still exists. If CREDIT COLLECTION SERVICES can not provide the original instrument or proof that it still exists, then CREDIT COLLECTION SERVICES shall send me an original statement affirming that CREDIT COLLECTION SERVICES has an uncontested right to enforce the alleged debt.”
“Credit Collection Services reported their unverified medical account to my credit file on XX/XX/2021. I have no idea how Credit Collection Services received my personal medical information. I have not agreed to do any business with Credit Collection Services, I have not received any goods or services from Credit Collection Services, nor am I responsible for their debt collection purchase from their alleged client. Credit Collection Services have violated my HIPAA rights and is attempting to collect a debt that I do not owe.”
“CCS Collections (Credit Collection Services) are debt collectors attempting to collect a debt on behalf of medical services I have not received from them. I am not a party to their agreement with XXXX and I have not agreed to pay anything to CCS Collections. I have attempted to mail CCS Collections several letters to multiple addresses to allow them to validate their debt and the mail was returned to me as undeliverable. Regardless of this fact, CCS Collections continued to communicate with me by mail and by reporting to the credit bureaus.”
“An unknown account flagged my credit files with inaccurate/unverified collection information. Their account was updated on XX/XX/2022. It took quite some time to locate the company. There are not any names, addresses, or phone numbers listed on the attachments and I had no idea of who to contact. Please be advised that Credit Collection Services (CCS) are not Holders in Due Course; no services or goods were received from Credit Collection Services (CCS) and I have not agreed to pay or tender anything to Credit Collection Services (CCS).”
“About a month ago I noticed 2 alleged collection accounts furnished on my credit report — the alleged debt collector happened to be Credit Collection Services. I sent my dispute to Credit Collection Services on XX/XX/2021 and it was delivered on XX/XX/XXXX. Credit Collection Services did not respond until XX/XX/2021. This late response is the reason Credit Collection Services is in violation of Title 15 1692G(A) for failing to send a notice to me in the first 5 initial days of my first communication.”
“On XX/XX/2022, Credit Collection Services mailed me my ‘first’ notice stating that they were attempting to collect a debt from me. I then received my second notice on XX/XX/2022. I was not provided the required 30 days to respond to this debt before Credit Collection Services reported me to the national credit bureaus. I sent notification by certified mail to Credit Collection Services stating that I needed validation of this debt on XX/XX/2022. Credit Collection Services received my notice on XX/XX/2022 and still did not cease reporting this account to the credit bureaus.”
Source: CFPB Consumer Complaint Database. Narratives published only when the consumer provides consent. Personal information redacted by the CFPB.
CCS Offices in Federal Court
Credit Collection Services has been named in federal lawsuits alleging violations of the Fair Debt Collection Practices Act. The cases below are sourced from federal court records and document specific conduct that led to litigation.
Palmer v. Credit Collection Services (E.D. Pa., 2015): A consumer alleged that a bar code printed on the outside of a CCS collection envelope was visible through the glassine window — and that this bar code encoded account information identifying the letter as a debt collection communication. The lawsuit alleged this violated FDCPA § 1692f(8), which prohibits debt collectors from using envelopes that reveal the communication is from a debt collector. The case documents a specific concern about CCS’s envelope design practices.
- McIvor v. Credit Control Services d/b/a Credit Collection Services (8th Cir., 2014) — Consumer alleged CCS failed to report a debt as disputed when responding to TransUnion after the consumer had formally disputed the account, in violation of FDCPA § 1692e(8). The 8th Circuit affirmed the district court for the defendant. The case is documented on CourtListener.
- Sullivan v. Credit Control Services (D. Mass., 2010) — Consumer alleged a CCS letter used language suggesting government affiliation with a “WARNING NOTICE” format. Motion to dismiss granted.
- Anderson v. Credit Collection Services (S.D. Cal., 2004) — Consumer alleged use of a Western Union logo on a collection letter implied false urgency. Motion to dismiss granted.
Court records are sourced from CourtListener, maintained by the Free Law Project.
What this means for you: The envelope bar code case — Palmer v. CCS — shows that even what’s printed on the outside of the envelope matters under the FDCPA. If a CCS envelope arrived and something about it appeared designed to reveal the nature of the communication to someone other than you, that detail may be worth noting if you’re documenting FDCPA issues with an attorney.
What To Do If CCS Offices Is Calling You
- Demand proof the debt is yours before you do anything else. Forty-one percent of all CFPB complaints against Credit Collection Services allege they attempted to collect a debt the consumer didn’t owe. That is the single most common documented issue with this company. Do not assume the debt is valid. Ask them in writing for the original creditor’s name, the account number, and the amount they claim is owed.
- If it’s a medical, utility, or insurance bill, verify it was correctly processed before engaging. CCS collects heavily for healthcare providers like LabCorp and energy companies like Eversource — two categories where billing errors and unprocessed insurance payments routinely generate collection activity on bills that aren’t actually owed. If it’s medical, confirm the claim went through your insurance. If it’s a utility, pull your account history. Don’t negotiate on a bill you haven’t confirmed is legitimate.
- Request a debt validation notice in writing. CCS is legally required to send you a written notice within 5 days of first contact stating the amount of the debt, the creditor’s name, and your right to dispute. If you haven’t received one, demand it. You then have 30 days to dispute the debt in writing — which stops collection activity until they respond.
- Check your state’s statute of limitations. As a debt buyer, CCS purchases old portfolios. If the account is old enough, they can no longer sue you to collect — though they can still ask you to pay. Check your state’s limit here.
- Send a cease-and-desist if you want calls to stop. A written request sent by certified mail legally requires CCS to stop contacting you, except to confirm receipt or notify you of specific legal action. Keep your certified mail receipt.
- Document everything. Date, time, what was said, which number called. If CCS violates the FDCPA — collecting a debt you don’t owe, failing to validate, calling outside permitted hours — each violation can be worth up to $1,000 plus attorney fees in federal court.
For the complete guide: Your Rights When a Debt Collector Calls.
Your FDCPA rights in brief: CCS Offices must stop collection if you send a written cease request by certified mail. You can demand written debt verification within 30 days of first contact. FDCPA violations can be sued in federal court for up to $1,000 plus attorney fees. Full rights breakdown here.
Key Takeaways
- CCS Offices is the caller ID name for Credit Collection Services, Inc., based in Norwood, MA
- Their most active collections line is 781-382-1000; corporate main is 617-965-2000; toll-free is 877-870-1000 — 11 confirmed numbers total
- They collect for Eversource, LabCorp, Allstate, Progressive, Geico, and municipal governments
- 2,226 CFPB complaints — the #1 issue (908 complaints, 41%) is collecting debts consumers say they don’t owe
- 4 federal FDCPA cases on record, including a 2015 case about visible bar codes on debt collection envelopes
- Verify any debt in writing — especially medical or utility bills — before paying or negotiating anything
Frequently Asked Questions About CCS Offices
Who is CCS Offices?
CCS Offices is the caller ID display name used by Credit Collection Services, Inc., a division of The CCS Companies headquartered in Norwood, Massachusetts. They operate as both a third-party collector — hired by original creditors to collect unpaid accounts — and as a debt buyer, purchasing charged-off portfolios. Their primary clients include Eversource (energy), LabCorp (medical), Allstate, Progressive, and Geico (insurance), and Qwest (telecom). The Consumer Financial Protection Bureau has recorded 2,226 complaints against them, making their complaint volume significant within the debt collection industry.
Is CCS Offices a scam?
CCS Offices is not a scam — Credit Collection Services is a licensed, operating debt collection company. However, 908 of their 2,226 CFPB complaints — 41% — allege they attempted to collect debts the consumer didn’t owe. That rate of “wrong person or wrong debt” complaints is higher than what you’d expect from best-in-class collectors. Before you pay or respond, confirm the debt is actually yours. That’s not a dodge — it’s what the FDCPA specifically gives you the right to do.
Why is CCS Offices calling me if I don’t recognize the debt?
The most common documented reason is that the debt doesn’t belong to you — 41% of CFPB complaints say exactly that. Beyond wrong-person errors, Credit Collection Services purchases portfolios of aged, charged-off debt from multiple sectors. Sometimes account records transferred to them are incomplete or incorrect. Medical billing is particularly prone to this: LabCorp accounts, for example, often reach collection because an insurance claim wasn’t processed correctly. If you don’t recognize the debt, request written validation before assuming it’s valid.
What does the CCS Offices envelope bar code case mean for me?
In Palmer v. Credit Collection Services (E.D. Pa., 2015), a consumer alleged that a bar code on the outside of a CCS envelope was visible through the glassine window and revealed that the letter was from a debt collector — which is prohibited under FDCPA § 1692f(8). The FDCPA says debt collectors cannot use envelopes that signal the contents are a debt collection communication, because that exposes your financial situation to anyone who sees the envelope. If you received a CCS envelope with visible bar codes, account numbers, or company identification visible from the outside, note that detail — it may be relevant to an FDCPA claim.
How do I stop CCS Offices from calling me?
Send a written cease-and-desist letter by certified mail to Credit Collection Services, Inc., 725 Canton Street, Norwood, MA 02062. Under the FDCPA, once they receive your written request, they must stop contacting you — except to confirm receipt or advise you of specific legal action. Keep your certified mail receipt as proof of delivery. CCS uses at least 11 documented phone numbers, so a cease letter is more effective than blocking individual numbers one by one.
Can CCS Offices sue me?
Yes — Credit Collection Services does file lawsuits to collect debts, particularly when the account balance is large enough to justify legal costs. However, they can only sue within your state’s statute of limitations for the debt type. Credit card and most unsecured debt runs 3–6 years depending on state; medical debt and utility debt vary. If the account is time-barred in your state, they can still ask you to pay but cannot get a judgment against you. Check your state’s limit before engaging with any offer from CCS.
Should I pay CCS Offices or negotiate?
If the debt is valid, within the statute of limitations, and you can afford to pay, negotiation is almost always available — especially when CCS purchased the debt as a buyer. Debt buyers acquire portfolios at steep discounts from face value, which creates room to settle for less than the full amount. If you’re dealing with a third-party collection where CCS was hired by the original creditor, there’s still often room to negotiate a payment plan or partial settlement. Never pay without first getting the settlement agreement in writing, and never use a debit card or check — use a payment method that doesn’t give them direct access to your bank account.
Related Debt Collector Pages
If you are dealing with other debt collectors, these pages may help:
- Revco Solutions: Who Are They and Why Are They Calling You? — medical debt collector based in Columbus, Ohio
- Medicredit: Who Are They and Why Are They Calling You? — medical debt collector based in St. Louis, Missouri
- IC System: Who Are They and Why Are They Calling You? — third-party collector for medical and utility debt
- Portfolio Recovery Associates: Who Are They and Why Are They Calling You? — major debt buyer
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
Dealing With Debt? Before you pay a collector, understand all your debt relief options — including ones the collector won’t tell you about. If the debt feels unmanageable, take the 2-minute bankruptcy quiz to see if the math favors a fresh start. Federal Reserve research shows filers recover faster than those who don’t file.
