The CSS Companies are a corporate group offering Accounts Receivable Management (ARM) and Business Process Outsourcing (BPO) services. CCS has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as failing to provide verification of a debt. If you have been contacted by CCS, make sure you know your rights before responding.
According to the Better Business Bureau (BBB), CCS was founded in 1966 and incorporated in Delaware in 1969. Its headquarters are located in Massachusetts. The BBB opened its file on CCS Companies in 2005. The BBB categorizes CCS as a collection agency and a voice mail service. Alternate business names include Credit Control Services, Inc.; Credit Collection Services Commercial; Credit Collection Services; and CCS.
CCS offers “solutions,” or business services in four major areas: customer contact; consumer collections; commercial collections; and injury claims processing. Their customer contact service offers specialized areas including automated voice messaging; call center service; and direct and e-mail marketing campaigns.
CCS currently provides these services to financial services organizations such as banks and lenders; telecommunications and cable industries; healthcare providers; energy and utility companies; retail stores; and student loan providers.
CCS’ website is directed almost exclusively to corporate clients and potential clients. Their site highlights their state-of-the art technology and cutting-edge marketing and call center management techniques. Their site hosts a video of their headquarters location that shows their commitment to keeping employees happy, including expansive and well-designed office space and exercise facilities. Their site does not include references to compliance policies or consumer protection laws like the Fair Debt Collection Practices Act (FDCPA) or the Fair Credit Reporting Act (FCRA). There is no payment portal or link to consumer resources.
Complaints against The CCS Companies
The BBB lists 511 complaints against CCS Companies closed in the past three years, with 203 complaints closed in the past 12 months. Most of these complaints were about billing and collection issues. There are also 40 negative customer reviews that allege efforts to collect debts not owed; overly aggressive collection efforts; and other violations. Justia lists only about 2 cases of civil litigation resulting from complaints about illegal collection activity in which CCS was named as a defendant.
Sample Complaints against The CCS Companies (CCS)
Complaints against CCS range from allegations that collection agents use false and misleading information or other forms of misrepresentation; to failure to provide verification of debts; to efforts to collect debts not owed; to harassment and threats; to inaccurate reports of delinquencies to the credit reporting agencies. All of these activities are potential violations of the FDCPA, the FCRA, or other consumer protection laws. For example, in August 2017, a complainant requested that CCS cease efforts to collect a debt of over $2,000. The complainant had been in a car accident in which she had not been at fault, so she could not understand why a collection agency was calling her for related charges. CCS indicated that the matter was related to a commercial account rather than a consumer credit account, but agreed to cease collection efforts regardless. Also in August 2017, a complainant indicated that CCS had failed to provide verification for an $85.00 debt and then reported it to the credit reporting agencies. CCS replied that they had never received a request for verification and indicated the delinquency was the result of a cancelled insurance policy. Regardless, CCS Companies agreed to cease communication with the complainant and also agreed to delete the delinquency from her credit report.
The CCS Companies (CCS) Contact Information
The CCS Companies (CCS)
725 Canton Street
Norwood, MA 02062-2679
Telephone: (617) 965-2000
Understanding Your Debt Collection Rights
Federal consumer protection laws such as the Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are designed to protect consumers from unethical business practices. For example, the FDCPA and the FCRA regulate the way in which collection agencies can conduct business. The FDCPA prohibits activities such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaints above illustrate how consumers can assert their rights when collection agencies violate these provisions.
These laws also provide individuals with a means to seek monetary damages in court. For instance, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs. If you believe your rights have been violated, seeking legal assistance can help you find the relief you may be entitled to.
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