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.

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• 

  The CCS Companies

  725 Canton Street Norwood, MA 02062-2679

  
• 

  CCS

  PO box 7249 Portsmouth, NH 03802

• 

  CCS

  P.O. Box 7249 Portsmouth, NH 03802

• 

  The CCS Companies

  PO BOX 607 NORWOOD, MA 02062

  
• 

  Credit Collection Service

  701 Douglas Ave Yankton, SD 57078

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:04/24/2025

  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, **** ******, residing at ***********************************************, do hereby affirm and attest to the following:1.I am the subject of an account with **********************, Account Number: 2447****, which appears on my ************************************ research and due diligence, I have found that Credit Collection Services does not possess the proper licensing to legally collect debts in the State of Illinois. As such, your collection activities toward me constitute unauthorized and illegal debt collection efforts in direct violation of state law.3.Furthermore, your continued communications and reporting of this account violate my consumer rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692c, which prohibits communication with a consumer under unlawful and harassing practices.4.I demand the immediate deletion of the above-referenced account from all ********************** reporting agencies and from your records. Your failure to lawfully validate the debt or provide proof of licensing in ******** is further evidence of your ******************* are hereby notified to cease and desist all collection efforts, including credit reporting, calls, letters, or any other form of communication regarding this account.

  

  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:04/24/2025

  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 NOT LIABLE TO THIS DEBT WITH CEEDIT COLLECTION SERVICES I DO NOT HAVE A CONTRACT WITH THE COLLECTION AGENCY TRYING TO COLLECT FUNDS FROM ME AND ALSO REPORTING THIS FRAUDULANT ACCOUNT TO EXPERIAN, EQUAFAX AND TRANSUNION CREDIT BUREAU. I *** NOT RECEIVE A CONTRACT AS REQUESTED FOR THIS COLLECTION AND THE COMPANY NEVER REACHED OUT TO ME TO SIGN A CONTRACT.

  

  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:04/24/2025

  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 to express my deep concern regarding several unauthorized account with ********************** COLL Account number: ******** Account balance: $336, which I have been unable to resolve directly with them. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress. I expect immediate action to rectify this issue. I am requesting that the Better Business Bureau assist in removing this account from my ********************** reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

  

  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:04/23/2025

  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 filing this formal complaint regarding a serious issue I have experienced with *********************, who reported and subsequently sold my account to a third-party collection agency without my knowledge, notification, or authorization.This action has caused unnecessary damage to my credit profile and emotional distress, as I was not given an opportunity to resolve the matter directly with the original creditor prior to the account being sold or transferred.Account Number: *************************** Agency Involved: Credit Collections I was never notified in writing about the intention to sell or assign my account to a ********************** agency. Under the Fair Debt Collection Practices Act (*****) and the Fair Credit Reporting Act (FCRA), I have the right to receive proper notice and an opportunity to validate the debt prior to any third-party collection activity.This creditor:Failed to notify me of the delinquency or offer resolution options,Did not obtain my consent to transfer or sell the account, and Allowed a third-party agency to collect and report on this account without validating the debt.This is not only poor business practice it may also violate the ***** and **** regulations regarding the handling and transfer of consumer debt. The lack of transparency and disregard for consumer rights is unacceptable.Immediate removal of the account from the third-party collection agency.Removal of any negative reporting related to this transfer from my credit reports.Formal written acknowledgment from the original creditor explaining why this account was sold without notice or consent.I am requesting your assistance in holding Credit Collections accountable and ensuring this matter is resolved quickly, fairly, and in compliance with all applicable laws.Thank you for your time and attention to this matter.Sincerely,******* ******

  

  Business Response

  Date: 05/02/2025

  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:04/23/2025

  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: 9171 Amount Disputed: $248 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: 5634 Amount Disputed: $188

  

  Business Response

  Date: 05/02/2025

  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:04/22/2025

  Type:Order 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.

  Hello, I recently received a notice saying my credit score decreased due to a unpaid bill from **************. I did not know anything about this debt due to the fact that I currently work and live overseas in ****** working for the ****************(***) as a defense contractor. I have been in ****** since August of 2024. I pay my bills on time every month. I have never not paid a bill especially a bill so small. This was just a miscommunication issue. I served 7 years in the ******* and I am currently a 100% service connected disabled veteran and I still work and pay all my bills. My credit score should not be negatively impacted by a unfortunate accident. As soon as I saw this problem I took care of it even though my credit score was already hit. I do not have any agreement or contract with the company that reported this to my credit score. I am asking for any help that can resolve this matter!!! Please let me what I need to do and its done. Thanks in advance!!Target of complaint below;---Credit Collection Services--- ****************************************************************** ************ File Number: *********** Pin Number: ***** Amount Owed/Paid: $278.00 V/R, ***** ***** **********

  

  Business Response

  Date: 05/02/2025

  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:04/22/2025

  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 disputing an invalid account reported by *********************** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

  

  Business Response

  Date: 05/02/2025

  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:04/22/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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 may be a victim of identity theft. I recently received my credit report and found these fraudulent accounts that I never opened, a number of unknown addresses, and inquiries I never authorized. My information may have been a part of a data breach as the occurrence has only been happening for these past years. I also found this account that I believe not mine:Acct name: ********************** COLL (Original Creditor: 06 GEICO SECURE CO)acct no. *******date opened 01/04/2024 balance $93.00 I am not liable for this debt and I do not have a contract with:Company: CREDIT COLLECTION SERVIC Address: **************************** Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Please delete this account from my ********************** report at once. Any questions or concerns I can be reached at ***************************************** and email at [email protected] need a response from the company.

  

  Business Response

  Date: 05/02/2025

  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.

  Customer Answer

  Date: 05/04/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  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 #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ******* ****

• Initial Complaint

  Date:04/22/2025

  Type:Order 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 not liable for this debt with ***********, I do not have a contract with Credit Collection Serv, they did not provide me with the original contract as i requested.Opened Date: 1/13/2025 Account Number: XXXXXXXX High **********************: $254

  

  Business Response

  Date: 04/22/2025

  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:04/21/2025

  Type:Order 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 called to ask about arranging a pay-to-delete, and the representative, ***** ******, asked if I was dumb and reminded me that if Id already paid the debt, I wouldnt be in this situation. Ive been advised by legal counsel to seek their input on what should have been a straightforward question, not belittled by an associate.

  Customer Answer

  Date: 04/24/2025

  Progressive is original creditor for $1078 on April 15th

  I contacted the company to inquire about a recent debt that had appeared on my credit report. When I asked the representative if a pay-for-delete option was available, I was met with an extremely unprofessional response. The associate rudely asked if I was dumb and stated that such an option was not available. They also remarked that had I not allowed the debt to go into collections, I wouldn't be in this situation. I was simply trying to resolve the matter respectfully, and I found the representatives tone and attitude completely unacceptable.

  

  Business Response

  Date: 05/06/2025

  This office confirms receipt of the inquiry submitted by the consumer. Please note that we have reviewed the information provided by the consumer and the consumer is mistaken as to the accuracy of the details provided. Thank you.