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Business Profile

Collections Agencies

The CCS Companies

Headquarters

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BBB Accredited BusinessB Rated by BBB

Complaints

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

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    Customer Complaints Summary

    • 3,803 total complaints in the last 3 years.
    • 1,090 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/02/2025

      Type:Billing Issues
      Status:
      Answered
      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: 498 Amount Disputed: $508

      Business Response

      Date: 05/06/2025

      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:05/02/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      May 02, 2025 Subject: Goodwill Request for Removal of Paid Collection Account #******** Dear CCS Companies,I hope this message finds you well. Im writing regarding a collection account listed on my ********************** report with your agency under account number #********, originally opened on November 14, 2019, and paid in full in November ******* the time this account was opened, I was a first-time car buyer transitioning to my own insurance policy after previously being covered under my fathers. We initially obtained coverage through **************, but within just a few days decided to cancel the policy due to unexpectedly high rates. Although we were informed of a charge for the brief coverage period, there was a misunderstanding about the necessity of paying the full month despite only having coverage for a few days.While I may not have agreed with the charge, I later took responsibility and paid the collection in full, as I wanted to maintain my financial integrity and do the right thing. Since then, I have worked diligently to build and maintain a strong credit history with no other negative re****s. This paid collection is the only derogatory **** on my report.I am respectfully requesting that CCS Companies consider removing this item from my credit report as a gesture of goodwill. I understand that this is not required, but I hope youll consider that this was an isolated incident during a period of transition in my financial life.Thank you for your time and understanding. I would be truly grateful for your help in removing this item and allowing me to move forward with a clean credit history. Please let me know if you need any additional information from me to review this request.Sincerely,***************************

      Business Response

      Date: 05/06/2025

      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:05/02/2025

      Type:Billing Issues
      Status:
      Answered
      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: ***** Amount Disputed: $456

      Business Response

      Date: 05/06/2025

      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:05/01/2025

      Type:Order Issues
      Status:
      Answered
      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.
      Threatening actions were taken without legal authority, constituting unfair practices.

      Business Response

      Date: 05/06/2025

      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:05/01/2025

      Type:Sales and Advertising Issues
      Status:
      Answered
      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 information being reported does not align with the original creditor's records.

      Business Response

      Date: 05/06/2025

      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:05/01/2025

      Type:Billing Issues
      Status:
      Answered
      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 inaccuracies in this account affect the legitimacy of the debt

      Business Response

      Date: 05/06/2025

      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:05/01/2025

      Type:Billing Issues
      Status:
      Answered
      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: 8802 Amount Disputed: $0

      Business Response

      Date: 05/06/2025

      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:04/29/2025

      Type:Billing Issues
      Status:
      Answered
      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: ********* Amount Disputed: $597,$1665

      Business Response

      Date: 05/15/2025

      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 with regard to the dispute related to 1217****. However, please note that we cannot locate the other disputed file. We would please ask the consumer to provide information to locate the specific account in dispute (e.g. creditor name, balance, file number, etc.) and complete demographic information, including current and previous addresses.

    • Initial Complaint

      Date:04/29/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      This company is reporting inaccurate information on my credit report for the account number ******** despite the fact that I paid the original creditor directly and satisfied the debt in full. The collection agency has no remaining legal claim to this account, nor do they have the authority to continue reporting it.Under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), you are required to ensure the accuracy and completeness of any information you furnish. Failure to comply will result in further action.Please delete this account immediately and provide confirmation of its removal.

      Business Response

      Date: 05/06/2025

      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:04/29/2025

      Type:Billing Issues
      Status:
      Answered
      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 reviewed my credit report and found that *** has reported a collection account. I have attempted to contact them on three separate occasions to request documentation proving their ownership of this account. During one of these discussions, I spoke with a customer service representative named Kala, who stated that they would not provide any documentation or remove their company from my credit report, and they claimed not to be the creditor for this account.According to the Fair Credit Reporting Act (FCRA), specifically 15 U.S. Code 1692g, regarding the validation of debts: (b) Disputed debts: If a consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion of it, is disputed, or if the consumer requests the name and address of the original creditor, the debt collector must cease collection of the debt, or any disputed portion of it, until verification of the debt, a copy of a judgment, or the name and address of the original creditor is obtained. This verification or judgment must then be mailed to the consumer by the debt collector. While collection activities and communications that do not violate this subchapter may continue during the 30-day period mentioned in subsection (a), they must not overshadow or conflict with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

      Business Response

      Date: 05/06/2025

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

      Customer Answer

      Date: 05/15/2025

      I recently reviewed my credit report and was surprised to find that I have fallen victim to identity theft. There is an account listed that I do not recognize, and I kindly request its removal from my credit report. This situation is negatively affecting my ability to obtain credit, and I would greatly appreciate your prompt assistance in resolving this matter.Thank you for your attention to this important issue.

      ************ ************** xxxxxxxxxxxxxxxx4A90
      US Department of Education-xxxxxx15


      FAQ

      Regards,

      Dorian

       

       

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