CCS Credit Collection Services are giving me the run-around to find validation on their claim against me. I first received a statement from CCS 11/05 concerning a debt owed to my previous Auto Insurance Agency (Progressive) from May of 05.
Progressive Auto Insurance never informed me of this debt when I cancelled my policy. There was never a contract offered from the agency, nor any information provided when I requested to review some.
I called CCS when I first got my statement, to get more information regarding the validation of their claim and neither the representative nor her supervisor could provide me with such
I then told them that I would like to dispute it, and would like a complete copy of any information they have concerning me and their claim.
They told me that I would need to contact my Auto Insurance Agency (Progressive) and request information regarding my account from them.
When I called Progressive to obtain information and validation of my "delinquent account", they told me that my entire file had been transferred to the collection agency, and they no longer had anything to do with it.
I called CCS back, and they took my fax number, and home address and said they would send me anything they could find.
Here it is, March of '06, and I have still not received any information concerning my account, even my statements stopped coming. I figured they realized I wasn't an idiot, and removed the debt.
However my recent Credit Report Stated CCS as a collector owed.
All that these people care about is getting this money, which I would have no problem paying, had it been a ligit claim. But the fact that they are unwilling to work with me and the law, by not providing me with proof of their claim, I refuse to pay this debt.
I found another complaint regarding this company on this website, on the REBUTTAL, a customer made a suggestion and I would like to quote a piece from it, to offer some more information to whom it may regard:
"The CRA's do not make money REMOVING information. But you can force them to verify the debt, and when they can't, they have to remove the information that is on your report. If CCS, after no response to this form letter, still verifies the debt, they are in violation of a number of state and federal laws and you can prosecute them. So keep copies of all correspondence to and from the collection agency and the credit bureaus."*Tony - Bakersfield, CA.
The category was 'Collection Agency's' and the article was based on the exact same company listed above. Submitted by Kristina from Kenai, AL. March 2.
For copies of the appropriate forms to send in to get validation on your claim, they are included in the above report. I would suggest reading it, as it includes more information concerning the legallity of this situation.
I cannot believe the disregard this company holds for the people they are trying to collect debt from. Their attitude toward me was totally disrespectful and degrading. And the fact they stuck their tail between their legs and ran under the table when I confronted them, shows just how legitimate this company really is.
A company that does honest, legal work, should have no problem facing these kind of concerns, especially from their customers. I would be more apt to pay and comply with them, had they complied with me.
Stephanie
Tacoma, WA
U.S.A.
U.S.A.
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