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 assured that our creditor-client placed this account with a balance due by Mr. [redacted]. Notwithstanding, we have...

closed this account with our office and forwarded a copy of this complaint to our client to review. Mr. [redacted] will hear nothing further from us in regard to this matter. We trust this resolves your concerns.

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. 
 
Regards,
[redacted]

Our office is in receipt of the complaint filed by Ms. [redacted]. We greatly appreciate this opportunity to respond. Ms. [redacted]’s complaint is not with CCS’ handling of the account. Instead, she 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 03/23/15. If Ms. [redacted] can please provide our office with a copy of the declarations page from her new insurance company that predates the date of cancellation, we would happy to forward it to our client to determine if an adjustment is due. That being said, we have closed the file with our office and Ms. [redacted] will hear nothing further from us in regard to this matter. 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 will act upon our request and recommend giving her 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.   Contrary to Ms. [redacted]’ assertion, please be advised that we do not have a record of receiving any dispute correspondence from Ms. [redacted]. Notwithstanding, we have closed...

this account with our office and we 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.

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]’s request to cease collections. We have also instructed the Credit Reporting Agency (CRA)...

to delete the account, but please note that we cannot control the speed in which the CRA acts upon our request. We recommend giving them at least thirty (30) days to update their records.   Notwithstanding the above, if Mr. [redacted] believes these accounts were fraudulently opened under his name, then we would be more than happy to assist him further if he could send us a copy of a police report and completed fraud affidavit. Upon receipt of the documentation we will forward it to our creditor-clients to review.   We trust this resolved 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. I will wait to receive  confirmation that this account has been removed from my credit file. 
Regards,
[redacted]

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. Mr. [redacted] indicates he paid the account in question on 2/8/2016, which was before the account was placed with our office. Accordingly, we have closed this account with our...

office and forwarded a copy of this complaint to our creditor-client to review. Furthermore, 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 Mr. [redacted]. We greatly appreciate
this opportunity to respond.?Mr. [redacted]’s
concern is that he never received a notice from us outlining his validation
rights. Please be assured that we did send Mr. [redacted] such a letter on...

12/08/2014.
Please note that the letter and three subsequent letters were sent to the very
same address listed in his complaint. There is no record of mail return from
the post office, so there is no reason to believe that Mr. [redacted] did not
receive our previous correspondence.
Notwithstanding
the above, we have closed this account with our office and returned it to our
creditor-client. Although we have closed the account with our office, our
client believes that the account is due and we cannot control any actions that
they may take in regard to it. However, if Mr. [redacted] has proof that this was
resolved with the agent, we would be happy to forward the documentation to our
client to determine if an adjustment is due if Mr. [redacted] could send it to our
office.
We are also
instructing the Credit Reporting Agency to delete the account. Please note that
we cannot control the speed in which they will act 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. It does not appear that Mr. [redacted]’s complaint is with CCS’ handling of the account. Accordingly, we have closed this account with our office forwarded a copy of the complaint to our...

client to review. Furthermore, 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. 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 3/17/16. 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. We would be happy to forward to our client a copy of the declarations page from her new insurance company that pre-dates our client’s cancellation of the policy. Upon receipt of the documentation we will forward 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 Ms. [redacted]. We greatly appreciate this opportunity to respond.   Contrary to Ms. [redacted]’s concerns, please be assured that 11 letters were previously sent to Ms. [redacted] regarding her account, including validation of the account after we...

received her request for validation.  We have no reason to believe she did not receive the letters because the letters were never returned by the post office as undeliverable Notwithstanding the above, we have closed this 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 [redacted]. We greatly appreciate this opportunity
to respond.
 
Please
be advised that we have agreed with [redacted] request to cease collections.
She will not hear anything further from us in regard to this matter and...

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 Mr. [redacted]. We greatly appreciate this opportunity to respond.   Mr. [redacted] indicates the account in question is still showing on his credit report after he paid the debt in full to our office. Please be advised that the following day...

after the account was paid, we notified the Credit Reporting Agency (CRA) and the account was updated as paid in full. 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.   Please be advised that we cannot locate the file in question with the information that has been provided to CCS as part of the consumer’s complaint. We would appreciate...

it if Mr. [redacted] could provide us with information on the specific accounts in question. If he could please upload to his complaint a copy of a letter with a CCS file number and/or a copy of his credit report, we would be happy to investigate the consumer’s concerns further.   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 advised that no request for validation was forwarded to our office by the Credit Reporting Agency (CRA). That being said, we conducted a...

reasonable investigation with the dispute information that was provided by the CRA with our creditor-client and they confirmed that information reported to the CRA was accurate. Notwithstanding the above, we have closed this account with our office and instructed 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.

Our office is in receipt of the complaint filed by Ms. [redacted]. We greatly appreciate this opportunity to respond.   Please be assured that we updated her credit report as paid-in-full upon receipt of payment. Although CCS properly updated the Credit Reporting Agency (CRA), as a courtesy...

to Ms. [redacted], we 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 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 the opportunity to respond Contrary to Mr. [redacted]’s assertion, please be assured that all of the required disclosures were sent to her in writing on 03/12/16. In fact, we have sent several letters since...

then. We have no reason to believe he did not receive our letters because the letters were sent to the same address listed in his complaint and the letters were not returned by the post office as undeliverable. Furthermore, please be assured that we never received any request from Mr. [redacted] for validation of the debt. By way of explanation, the account in question revolves around an insurance policy that cancelled on 01/28/16 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. Please be advised that our client adjusted the balance due by adding $20.00 to the original amount of the debt on 05/18/16.   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.   Ms. [redacted] indicates that the account in question is still showing on her credit report with a balance due after she settled the account for a lesser amount. Please be...

assured that the credit reporting agencies (CRA) were properly updated. If Ms. [redacted] could please provide us with a current copy of her credit reporting listing a balance due we would be happy to investigate her concerns further.   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 have two issues with their response. First the credit reporting companies has indicated to me that they do not have a request for an update from CCS.  It is not a matter of when they update my credit report is out of their control, it the credit reporting companies contention that no such request exist.  Additionally, the update should be a complete removal of the derogtory tradeline as opposed to a paid in full update. This is what CCS indicated to me their request would indicate.  The solution should be that CCS should send me a letter acknowleding the request for a complete removal so I can send this letter to the credit reporting companies myself.  This what the credit reporting companies is asking for me for. They need to provide proof as to what kind of update and when such update was sent to the credit reporting agencies.  A letter indicating such request in my possesion from them would be sufficient. From there, I could handle this on my own.
Regards,
[redacted]