Complaints

This profile includes complaints for The CCS Companies's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

The CCS Companies has 5 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  The CCS Companies

  725 Canton Street Norwood, MA 02062-2679

  
• 

  CCS

  P.O. Box 7249 Portsmouth, NH 03802

• 

  CCS

  PO box 7249 Portsmouth, NH 03802

• 

  Credit Collection Service

  701 Douglas Ave Yankton, SD 57078

• 

  The CCS Companies

  PO BOX 607 NORWOOD, MA 02062

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/28/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A credit company is attempting to retrieve money from me. I do not have any business or affiliation with this company. Theyre stating they want money from me from an alleged incident that occurred in 2022. I just received mail from this collection company this year attempting to collect money from me in 2025. I did not give this company my information nor did I give permission for them to contact me in any way shape or form. Ive tried contacting the company to inform them that I do not want any contact from them or the person that sold them my information.

  

  Business Response

  Date: 06/23/2025

  This office confirms
  receipt of the dispute submitted. Please note that our office previously responded to a dispute with the responsible party directly.

• Initial Complaint

  Date:05/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I honestly dont get why CREDIT COLLECTION SERV is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: 1033 Amount Disputed: $133

  

  Business Response

  Date: 06/23/2025

  This office confirms
  receipt of the dispute submitted by the consumer. Please note that our office
  will respond to this dispute with the consumer directly.

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  CREDIT COLLECTION SERV has failed to validate this alleged debt. I disputed the account on my ********************** report having account number ******* and it is inaccurate and unverifiable. Under the **** 15 U.S.C. 1681i, I requested a thorough investigation. I have no recollection of opening this account, entering any agreement, or authorizing related activity, and I have seen no documentation supporting its validity. Pursuant to the ***** 15 U.S.C. 1692g, and consistent with the ************************************* requirements in the ***************************** case, I demand full validation of this alleged debt. I explicitly refuse to pay this unverified debt and insist that CREDIT COLLECTION SERV immediately cease all communications, including phone calls, emails, texts, and letters, as continued contact violates the *****. Failure to validate the debt or continued reporting of this account violates my rights under the **** and *****, and I demand its immediate removal from my credit report. Non-compliance may lead to legal action to enforce my consumer rights. CREDIT COLL Must provide the following documentation to validate the debt:(1) Proof of Debt Ownership: A complete chain of title showing CREDIT COLLECTION SERVs legal right to collect, including all assignments or transfers from the original creditor. (2) Original Account Agreement: A signed contract or agreement with the original creditor establishing my alleged obligation. (3) Account Statements: Detailed statements from the original creditor showing the accounts origin, transaction history, and balance calculation. (4) Verification of Debt Amount: Itemized documentation proving the accuracy of the debt amount, including principal, interest, and fees. (5) Identity Verification: Evidence, such as signed documents, linking me to the account. (6) Licensing Information: Proof that CREDIT COLLECTION SERV is licensed to collect debts in the state of *********, if required by state law.

  

  Business Response

  Date: 06/23/2025

  This office confirms
  receipt of the dispute submitted by the consumer. Please note that our office
  will respond to this dispute with the consumer directly.

• Initial Complaint

  Date:05/27/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I honestly dont get why The CCS Companies is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: 1421 Amount Disputed: $1297

  

  Business Response

  Date: 06/23/2025

  This office confirms
  receipt of the dispute submitted by the consumer. Please note that our office
  will respond to this dispute with the consumer directly.

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The debt is related to a fraudulent loan application not submitted by me.

  

  Business Response

  Date: 06/23/2025

  This office confirms
  receipt of the dispute submitted by the consumer. Please note that our office
  will respond to this dispute with the consumer directly.

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom It May Concern,I am writing in response to a debt that has recently appeared on my credit report, reported by your agency, CCS Collections, allegedly on behalf of **********************. This is the first time I have been made aware of this debt. I have not received any prior communication or verification regarding this account.Under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g, I am requesting that you provide full validation of this debt, including:The name of the original creditor (General Auto Insurance)A detailed statement of the alleged charges A copy of any agreement or documentation bearing my signature Proof that you have the legal right to collect this debt Until this information is provided, I am disputing the validity of this debt in full. Furthermore, if this debt has been reported to any credit reporting agency, I request that it be marked as disputed in accordance with the Fair Credit Reporting Act (FCRA).Please note: This letter is not an acknowledgment or acceptance of this alleged debt. I am exercising my right to dispute it and request verification as provided by federal law.If you are unable to verify this debt, I respectfully demand that you remove it from all credit reporting agencies and cease all collection efforts.Sincerely,Tyronika White

  

  Business Response

  Date: 06/23/2025

  This office confirms
  receipt of the dispute submitted by the consumer. Please note that our office
  will respond to this dispute with the consumer directly.

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Complaint Against:Credit Collection Services (CCS)Nature of Complaint:Violations of the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (*****)Complaint Text:Credit Collection Services is reporting a collection account allegedly tied to a ***** debt. The account is marked "Closed" but simultaneously shows 100% of the balance ($372) as unpaidthis is contradictory and misleading. A closed account should not reflect a current balance due, and this misrepresents the status of the debt.Additionally, the account includes the statement "Account information disputed by consumer," yet after multiple disputes, no resolution or updated clarification has been made. This suggests that CCS failed to conduct a reasonable investigation as required under FCRA 1681s-2(b). It also violates the ***** requirement to provide proper debt validation upon request.I have not received any validation of the debt, nor have they corrected these errors after repeated disputes. I am requesting immediate removal of this tradeline from all credit bureaus. If this is not resolved promptly, I intend to escalate the matter legally and seek enforcement through federal consumer protection channels.

  

  Business Response

  Date: 06/23/2025

  This office confirms
  receipt of the dispute submitted by the consumer. Please note that our office
  will previously responded to a dispute with the consumer directly.

  Customer Answer

  Date: 06/24/2025

  Better Business Bureau:
  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 # 23381136. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  
  I do not see a resolution provided in the communication history. All it says is that we responded to the customer and another complaint, but I didn’t get that message, if the busines could repost the message or resend the message letting me know the outcome I would appreciate it because I can’t agree with an outcome unless I know what it is. 
  I don’t wanna speculate on the outcome either so if the business could provide that in writing as to what the outcome was or what it’s going to be, I would very much appreciate that as I did complain through another consumer protection finance bureau, but I didn’t see a response there either, I will double check it but the last time I checked, there was no response. So to the business, if you could, please provide a response as to what your resolution was for this, I would appreciate that so we can close the complaint. Otherwise I can’t approve unless I know, and you may have told me elsewhere, if you did, I appreciate that, but I don’t see it anywhere. I do apologize.  
  
  
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  
  
  
  FAQ
  
  
  
  Regards,
  

  Christopher

  
  

  
  
  

   

  
  

   

  

  Business Response

  Date: 06/25/2025

  This office confirms receipt of the dispute submitted by the consumer. As we indicated in
  our previous response, our office previously responded to a dispute with the consumer directly.

  Customer Answer

  Date: 06/25/2025

  Better Business Bureau:
  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 # 23381136. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  
  to the Business, I keep getting messages through the portal that you resolve the complaint with me directly yet I did not receive any communication. If you sent written mail to my home address, I am currently not there. If you send it through the Better Business Bureau portal, I’m not seeing it, per my last message I requested that you please provide the resolution that you claim that you directly provided to me so I can close the complaint and I would be happy to do so, but at this time, I don’t have any direct communication from you, nobody’s reported any mail received, I don’t have any messages. I don’t have any emails, I do see that the issue might have been fixed, possibly, but the busines cannot seem to confirm this with me through the portal and I don’t understand why?  So if they want me to close the complaint, I would really appreciate if they could just do that, or they have my email, they should have my phone number because I wrote a letter to them, they are free to call me if they don’t wanna post it here, they can leave a message on my voicemail. It’s private, they can send me an email, because in order to close the complaint, I need to make sure that the resolution came from this business and I don’t have anything that says that right now and I feel like I’m kind of repeating myself unfortunately but I would appreciate it if you would contact me and let me know.  
  
  
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  
  
  
  FAQ
  
  
  
  Regards,
  

  Christopher

  
  

  
  
  

   

  
  

   

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I honestly dont get why CREDIT COLL is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ******* Amount Disputed: $759

  

  Business Response

  Date: 06/23/2025

  This office confirms
  receipt of the dispute submitted by the consumer. Please note that our office
  will respond to this dispute with the consumer directly.

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute the account referenced under account number ********* that appears on my ********************** report. This account was opened without my authorization and constitutes fraudulent activity. I have no recollection of applying for or consenting to any agreement with COLLECTION Under 15 USC 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of the judgment if I notify you in writing within *************************************************** documentation proving that I consented to this account. Without a valid, legally binding agreement bearing my signature, there is no basis for this account to exist under my name.Since this account was established fraudulently, I request its immediate removal from my credit report and that any collection activity cease. If you cannot provide proper validation within 30 days, you are required to delete this account from my record and stop further collection efforts.Please confirm receipt of this letter and notify me of the next steps to resolve this matter.

  

  Business Response

  Date: 06/23/2025

  This office confirms
  receipt of the dispute submitted by the consumer. Please note that our office
  will respond to this dispute with the consumer directly.

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.

  

  Business Response

  Date: 06/23/2025

  This office confirms
  receipt of the dispute submitted by the consumer. Please note that our office
  will respond to this dispute with the consumer directly.