In this modern era, debt collection has become more complex. It makes many people question the legitimacy of various debt collection agencies. One of the debt collection agencies that is often talked about by many is CCS Offices. So, is CCS Offices a legit debt collector?
Overview of CCS Offices
Credit Collection Services, which is also more known as CCS Offices or only CCS, is the name of the consumer debt collection agency. It makes it to the list of one of the largest and most respected collection firms in the United States.
CCS Offices is part of CCS Companies. The mother company was built on September 5, 1966 and has been in the industry for 57 years. Its headquarters is located at 725 Canton Street, Norwood, MA 02062-2679.
CCS Offices claims to be different from the other debt collection agencies. The key differentiators are as follows:
- Dispute resolution
- Strategy assignment
- Multilingual capabilities
- Culture of customer service
- Regulatory compliance
- Skip tracing
- Speech analytics
- Payment plan administration
For those who are curious what industries CCS Offices serve, the list include:
- Banking and insurance
- Healthcare
- Cable and telecom
- Energy and utilities
- Retail
- Government
Legitimacy of CCS Offices
For anyone who is wondering about the legitimacy of CCS Offices, the answer to the question is yes. CCS Offices is indeed a legitimate debt collector. As stated on its official website, CCS is licensed. While its accreditation is unknown, its mother company, CCS Companies, is Better Business Bureau or BBB-accredited. According to the official website of BBB, its current accreditation is B and it has been accredited since June 5, 2023. Apart from that, CCS Offices also claims that its NPS (Net Promoter Score) industry score of CCS is 71. For your information, the one who receives a score of more than 70 is considered world class.
Verifying Legitimacy of CCS Offices
If CCS Offices is contacting you but you are still not sure about its legitimacy, you may want to verify the authenticity of the debt by following the following guide:
1. Request written validation
The first thing that you can do to verify a debt collection agency is to request written validation of the debt. As a consumer, you have the right to do it under the Fair Debt Collection Practices Act or FDCPA.
2. Check contact information
The second thing that you can do to verify a debt collector is to check contact information provided by the debt collector with the official contact information that is able to be found on the official website of CCS Offices.
3. Reach out to the original creditor
In addition to these two, you can also contact the original creditor to confirm that your debt has been passed to CCS Offices for collection.
Consumer Responses
As mentioned above, CCS Offices claims on its official website that 94% of its clients say the agency makes it very easy to do business and 99% of them are satisfied with the responsiveness of the agency. Here are the testimonies featured on its official website:
- “I have a great relationship with Betty, and actually look forward to contacting her when I have any questions or concerns.” – National Cable Client
- “Absolutely easy to do business with. CCS is always ready and willing to assist with any requests we may have. They consistently go out of their way to ensure we are taken care of.” – Fortune 50 Client
- “I have never had a complaint – ever.” – National Healthcare Client
- “They give me my reports each month without needing reminders. Very reliable. Very timely.” – National Healthcare Client
- “We love CCS!” – Fortune 50 Client
- “Selecting CCS to take over our collection services was one of the best, if not the best decision I have made in my career.” – Large Healthcare Client
- “I continue to stress the importance of the relationship we have with CCS – and why the intangibles are so important when choosing a vendor to work with. Thanks again for the work and for continually showing us why CCS is one of our most valuable vendor relationships.” – Fortune 100 Client
- “I am very pleased. I deal with several collection agencies and you are truly at the top. I wouldn’t change a thing.” – National Healthcare Client
- “I want to thank you for all your help with the audit Review. I believe I have visited with the CCS team at least a half dozen times over the past 15 years. Please share this email with all who participated on Wednesday with a big thank you, CCS is always a “Best in Class” organization.” – Large Utility Organization
- “CCS has been proactive in obtaining and procuring any information or reporting we have requested. Paula, Andy, and Amanda are worth their weight in gold. They all take very good care of us!” Fortune 50 Client
- “It is a pleasure to work with Marc. I have worked with him for quite a while. He is great with communication and following-up in a very timely manner.” – Fortune 100 Client
- “I am very satisfied with Client Servicing. They are knowledgeable, respond quickly and accurately, and cannot do enough to help!” – National Utility Client
- “All of my interactions have been wonderful experiences. Betty is fantastic to work with, she is always very helpful and works hard to ensure any requests or concerns are addressed quickly and accurately.” – Fortune 50 Client
- “Pleasant and reliable client contacts. Your associates always give me my reports in a timely manner. Very professional. Much better than the other collection agencies I deal with.” – National Healthcare Client
The official website of Better Business Bureau or BBB shows that the CCS Companies, which CCS Offices is included in, has 1.01 start rating out of 5. Aside from that, it also has received 3,224 customer complaints and 69 customer reviews. Since CCS Offices does not have its own profile on the official website of Better Business Bureau or BBB, many people leave reviews or complaints on the page of CCS Companies.
In contrast to the testimonies included on the official website of CCS Offices, the reviews shown on the official website of Better Business Bureau or BBB look bad, just like the complaints. Check out some of the complaints and reviews below:
- “Im not liable for this debt with CREDIT CONTROL SERVICES *** I do not have a contract with CREDIT CONTROL SERVICES ***.They did not provide me with a original contract as I requested”
- “I am not liable with this debt with esurance allstate company. I don’t not have a contract with the ccs companies, they did not provide me with the original contract as requested.”
- “I am not liable for this debt with 06 LIBERTY MUTUAL IN CO, I do not have a contract with CREDIT COLLECTION SERVIC, they did not provide me with the original contract as I requested”
- “I am not liable for this debt with CREDIT COLLECTION SERVICES I do not have a contract with CREDIT COLLECTION SERVICE. They did not provide me with the original contract as I requested.15 U.S. Code 6802 – Obligations with respect to disclosures of personal information it has come to my attention that CREDIT COLLECTION SERVICS illegally reported my information to unaffiliated 3rd parties without giving me my disclosures”
- “I am not liable for this debt with GEICO Insurance, I do not sign a contract with Credit Collection Serv. , they did not provide me with an original contract as requested.”
- “I called to dispute a debt that is not mine and they hung up on me. Very poor customer service for someone who is just trying to make sure something they dont owe shouldnt go on their report!” – Alyssa
- “Very bad company with a very greedy mindset. Employees who work here are at best mentally handicapped and at worst some type of human inbreed experiment.” – John W
- “I have a low amount debt that I would like to pay right away. I cannot find any possible way to pay this online. Website will not load on any browser. Based on other reviews, paying by phone does not seem like a viable solution as they seem unlikely to send receipt of payment which I refuse to pay without.” – Allison C
- “Placed a fraudulent account on my ********************** report. I will be suing them for damages.” – Naveed S
- “This company is a scam. They keep saying my husband has a delinquent debt for ******* never had *******. This has been going on since January. They hit my husband credit in November for a bill he never had. They keep sending this fake debt to **********. And TransUnion is telling me this is my debt. How can you have a debt if you never had service from *******. This is fraud.” – David F
Bottom Line
In conclusion, CCS Offices is considered a legit debt collector. Its mother company, CCS Companies, has been accredited by the Better Business Bureau or BBB since June 5, 2023. Additionally, it also has a NPS score of 71, which is considered world class.
