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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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The CCS Companies has 5 locations, listed below.

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    Customer Complaints Summary

    • 3,806 total complaints in the last 3 years.
    • 1,098 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/17/2025

      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 am asserting my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S. Code 1692c(c) and the Fair Credit Reporting Act (FCRA), 15 U.S. Code 1681i.This is a demand for the following actions for Acct # ********************* removal of the CCS Collection account, as it is not authorized, not validated, and possibly a violation of my rights under federal law.2.Full investigation into the accuracy and legitimacy of the data being furnished by CCS Collection.3.Written confirmation of the results of your investigation within 30 days of receipt of this letter, as mandated by law.Pursuant to 15 USC 1692c(c), I am demanding that CCS Collection cease all communication unless providing proper validation of the debt. If they have already been notified and continue to furnish this unverifiable debt to your bureau, this is a continued violation of federal law and consumer rights.This account has not been validated per the requirements outlined in 15 USC 1692g(b). Any continued reporting of unverifiable, inaccurate, or incomplete information is a violation of FCRA 1681s-2(b) and subject to legal action. If ******* cannot verify this account with 100% accuracy, it must be deleted immediately under the FCRA.Should this inaccurate information remain on my report beyond the 30-day investigation window, I will pursue further remedies, including filing complaints with the ************************************ (****), the ************************ (***), and my State ************************* and will not hesitate to pursue legal action for damages.

      Business Response

      Date: 04/22/2025

      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.

    • Initial Complaint

      Date:04/17/2025

      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: 9763 ,***** Amount Disputed: $182,$116

      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:04/17/2025

      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: 9624 Amount Disputed: $399

      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:04/17/2025

      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: 9975 Amount Disputed: $493

      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:04/16/2025

      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: 8351 Amount Disputed: $0

      Business Response

      Date: 04/17/2025

      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:04/16/2025

      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 am writing to formally dispute the account referenced under account number ******************** - ******* that appears on my credit 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 CREDIT COLLECTION SERVICE.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: 04/17/2025

      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:04/16/2025

      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 am writing to formally dispute the account referenced under account number ******************** - ******* that appears on my credit 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 CREDIT COLLECTION SERVICE.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: 04/17/2025

      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:04/16/2025

      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 am writing to formally dispute the account referenced under account number ********************** COLL - ******* that appears on my credit 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 CREDIT COLLECTION SERVICE.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: 04/17/2025

      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:04/16/2025

      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.
      **************************************************************************************************************** April 15, 2025 Credit Collection Services P.O. ****************** 02**2-0448 Subject: Debt Validation Request for Account #*************** Dear *****************************,I am writing to formally request validation of the alleged debt associated with File #** 0234 ***** in the amount of $60.47, pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g. I have received communication regarding this debt, and I am requesting verification of its validity before any further actions are taken.Please provide the following information:1. Proof that I owe this debt, including the original creditors name and address.2. A copy of the original signed agreement or contract that substantiates the debt with my signature.3. The complete payment history, including all fees and interest, to ensure that the amount claimed is accurate.4. Documentation demonstrates that Credit Collection Services has the authority to collect on this ******* required by law, I ask that all collection activities on this account cease until verification has been provided. Additionally, please confirm that this matter will not be reported to any credit reporting agencies while under review.I request that your response be sent to the address listed above. Please note that this letter serves as my formal request under the ****** and I kindly ask for compliance within the required timeframe.Thank you for your attention to this matter. I look forward to your prompt response.Sincerely,***** ******

      Business Response

      Date: 04/17/2025

      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:04/16/2025

      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.
      On April 6, 2025, I submitted a formal request to Credit Collection Services for debt validation and demanded that all collection activities cease. To date, I have not received the required validation, yet your company continues to pursue collection efforts. This constitutes a direct violation of the Fair Debt Collection Practices Act (FDCPA). If these unlawful practices persist, I will have no choice but to file an additional complaint with the ************************************ (****). I am demanding that you immediately cease all collection activities regarding this matter. Reference file number: 06 0234 *****

      Business Response

      Date: 04/17/2025

      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: 04/17/2025

      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 # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      [I am rejecting this response because my debt validation request in my initial complaint has not been provided. Additionally, I requested a cease and desist.]

      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,

      ******

       

       

      Business Response

      Date: 05/02/2025

      This office confirms receipt of the follow-up dispute submitted by the consumer. As we indicated in our previous response, our office responded to this dispute with the consumer directly.

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