Central Credit Services - Do consumers get harassed by this company?

Help me understand what the 5 year rule is? Is this a credit card or checking account with Chase?

this is a credit card. apparently chase has a policy that if you are dropped from a debt management/credit counselling program, you can not be reinstated for 5 years. other lenders do not have this strict a policy (ie bank of america)

do you mean reinstated so you could use the account again?

No, I just mean back on the payment plan with low interest over 5 years to get paid off. The account is closed and I don't expect (nor want) it opened back up.

We'll see what happens

Beware!! Central Credit Services is a scam operation. cold calling me for over a month now, rude, no credit issues, telling me i have a repossed car and i them $2500! My car is in the driveway paid off! She hung up on me. They still keep calling trying to run the same scam. Can't get anyone to stop them!

central credit svs is a third party collection agency that get accts from credits that debtors have refuse to pay for whatever reason...these creditors have the right to call the delinquent debt due without offering payment options...CCS have worked with alot of debtors to bring debt resoluition your complaint isnt with the company but with yourself for allowing yourself to get in these situations in the first place. Simply solution is to pay your bills in a timely manner and a debt collector will never have to call you. At the very least if this is not possibly work with that collector is a respectful manner after all they are trying to help you out of your debt situation...Remember it not the collector that went spend crazy with the credit card it was you the debtor :roll: :roll: :roll:

get off your highhorse msgl.nobody needs to be preached to,especially by a troll.

Couldn't have said it better myself, Paul. Don't understand why these people come to this site to harass those that are seeking help.

they keep on calling me, and im not even an adult yet. I dont have a credit card, so why would they even want to call me?! and i don't even know how they got my number.

keep callin me about my daugher, left personal info about her debts, i turned it over to the ftc for investigation

Central Credit Services collection agency is trying to collect a debt from me that is past the SOL. It was actually paid off at a reduced amount through a debt consolidation co years ago. They have called at 11:00 PM and 6 AM. I won't answer the phone. This is harrassment over a debt that I thought was settled. This started with another co. and has gone through 3 others since I send the debt verification letter. As soon as I send this, another co has it.

what you need to do, is have it removed from your credit report, or post a statement to report stating paid off (send the reporting agency copy of letter). these companies search public records/credit reports, thats how they get your info to start.

These ppl will try and get money where money is not owed. I paid off a cc several years ago and they are now trying to collect the debt again. Fortunately for me I have a letter from the original company stating that the debt had been settled. When I informed the woman (Dana S.) She got very angry and hung up on me. So funny when she realized she had been caught up. Call or email the Attorney General!!! I am.

I wont even pick up my phone when they call me. I will send them what i can & legally they can not turn you down for any payment even if you can only send them $30 a month. So if you prefer to do it that way, just keep up with the letters & your payments. Dont let them fool you. Sounds like someone needs to sue for harassment if your debt is paid for & they still call you.

Looks like Central Credit has me in their sights. I had a Sears CC. We weren't able to pay. My youngest son got very sick. We begged Sears to stop charging interest and late charges. They refused. (I think we originally had $2500 on the account. Because they refused to stop any of that, the slugs have now managed to get the balance up over $11,000. Please note that this battle has been going on for several years.)

Long story short. Eventually, the account wound up with LVNV Funding. I made the mistake of making a payment (not that we don't owe the original amount. We do.) last November. This is so far past the SOL, it isn't funny.

Anyway, we owe the money to Sears, not CCS and not LVNV. Turns out LVNV isn't even licensed in Utah although CCS is.

So... since I got great advice and results here about 3 years ago when dealing with some online payday lenders, my first step will be to send (first by fax) then by certified mail, the debt validation letter to CCS.

I'll keep you posted. Keep up the good work.

Rick Smith

Rick, you shouldn't have made that payment in November, you restarted the SOL by doing so.

Rick- interesting. Are you saying that that CCS is now trying to collect for the account AFTER LVNV? Who are they showing as the current creditor?

I'm asking because I have a Sears CC that went to LVNV last year. I received a letter in Dec from Resurgent in Dec but have heard nothing else since. I'm sort of waiting for something to happen with that account as I'm surprised I haven't had any letters or calls in so long (was a novice to this so no DV sent).

So I'm just wondering if CCS is trying to collect for LVNV or is there a different current creditor.

My 30 year old owes somebody and CCS is calling me with an automated thingy. It does not even have a button to push that that person don't live here and hasent for 10 years. Is it against the federal no call law for them to call me?

Resurgent and LVNV are the same company, LVNV is a branch of Resurgent. They hire ccs to collect the debt... and no its not against the law for them to call you

Don't bother to pay the money for call blocking because the system will not allow me to block them after all. Ao, the phone is gettign disconnected. These people are why people like me (ill and broke) commit suicide.

I have calls coming in from 702-520-15452 (that is how it shows on caller ID, AND I am gettign calls from CCS @ 904-562-6655, 916-219-8158, 702-520-1452, *904-562-6651, among many others. I have been called at 10:39 @ night by a rep who gave his name and said he was from CCS and the call was PRIVATE on my cellular caller ID. When you do talk to them, they are so friggin abusive. Then they threaten garnishment, so why try to work and gain a reputation when they contonue to ruin me? I do not owe enough debt to filebakruptcy, but everytime they sell my account to someone else, there is another 7 years on my credit bureau!!! It is insideous, and I am on COBRA. If they take my money and i lose my benefits, then I might as well kill myself, because there will then be no hope for me at all.

well naomi two points.

they can't get any income from retirement,disabilty,or social security.

a debt reporting period doesn't restart.neither does the SOL if it is sold.if it shows differently then you can sue them for FCRA violations.send a DV(debt validation letter).send it certified mail return receipt.the only reason they call like they do is because they can't do anything else.just hang up when you know it's them,or let it go to voice mail if it looks peculiar.

I have been called multiple times by CCS about a debt that is not mine. They say it is and it is over 10 years old. Even if it was mine the limit is 5 years that they can legally do anything about it. I have told them repeatedly it is not my debt and to stop calling. They are calling with my maiden name and I had been married for several years when this debt supposedly happened. I don't trust them for one second! I think it is all a scam!

I got a call today from ccs first let me say the guy was a D--- i was not sure was a scam or not so i looked up the number he called from which was 904-562-6655 here its some cell phone in Fl did anyone get this same number plus why does ccs not have a web pg and if this is all a scam how are they getting our info he new my name and alot more should i worry about this anyone please help

[QUOTE=Anonymous;353608]credit credit svs is a third party collection agency that get accts from credits that debtors have refuse to pay for whatever reason...these creditors have the right to call the delinquent debt due without offering payment options...CCS have worked with alot of debtors to bring debt resoluition your complaint isnt with the company but with yourself for allowing yourself to get in these situations in the first place. Simply solution is to pay your bills in a timely manner and a debt collector will never have to call you. At the very least if this is not possibly work with that collector is a respectful manner after all they are trying to help you out of your debt situation...Remember it not the collector that went spend crazy with the credit card it was you the debtor :roll: :roll: :roll: [font=Georgia][/font][color=DarkBlue][/color][/QUOTE]

Clearly you have your nose so far up this companies azz you can't see realty, all you see is how much money you types can get off of people who may have been devasted with an illness, a job loss, or just screwed over by big companies, like ENRON. It gives me great pleasure to know your time will come, and when it does, we all will be LOL and pointing at your situation...good luck troll!

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Excuse me does anyone have a number for the company itself. or a specific person other than Tom Edwards who was extremely rude and disrespectful to my father and hung up on him and also when I called to try to resolve the problem.

I just had a great phone call from one of the reps at CCS. They have been calling repeatedly for months on my business phone and asking for my mother, I have told them repeatedly that she does not work here and to stop calling me. I had one person call me earlier who was nice who I agreed to give her a message to, which I did.

Then, hours later, someone else calls. A lady who when I say She is not here and she is never here stop calling, she says "oh well then youre saying your mother lied on a credit application? Ok ill just put it down as falsifying a credit document." I replied with uh I didnt say that, you did, and she got super nasty.

She proceeded to call my mother a criminal, and me for defending her, and then I asked to speak with her supervisor. She then said I am the boss, theres no one else to talk to, I told her fine, dont ever call me again put me on your do not call list. She replied with "we aren't trying to sell you something so we can call all we want, we are in the business of hunting your mom down and we will one way or another".

Which, to me, as far as I am concerned, sound like a threat on her safety. So basically they have been both disrupting my business, and threatening my mothers safety- Is this not against the law? Ridiculous....

Unfortunately, unless you have a way to prove it in a court of law, there's not much you can do. If you had a recording, you could sue them for FDCPA violation and collect $1,000. Send them a Cease & Desist letter, with return receipt. If they call you ever again after the date they signed the green card, *then* sue them.

But for now, file a complaint against them with the BBB, the FTC, the FCC, you State Attorney General, Bureau of Consumer Affairs, etc.

obviously you have never been in a position where you have lost your job and had to make a choice on whether to pay a bill or to feed your family and keep a roof over your head ,you should really think about what you have just said to all the people in this world this HAS happened to ,because it could happen to you too!!!!!!!!!

Actually I have and more than once. The "Black Monday" crash didn't hit me until early '92 but I couldn't find work for 2 years and ended up on the streets. Please don't make any assumptions about me.

The facts are the facts and in order to take someone to court you need evidence (or *lots* of money and influence).

The way they treated you was against the law and in order to enforce it you would need evidence like a phone recording.

Again, send them a Cease & Desist letter. That is an important legal step that *forces* them to leave you alone. THEN you have evidence if they should ever call you back after you get the green card.

My answer was perfectly honest and correct.

Thank you.

uh chrys.i think they were addressing the humanoid on the preceeding page.i don't think they were addressing you my friend.

Back at you stupid! You work for them! I am trying to pay on MY bill, take care of my debt. Things happen beyond your control. Wlak in someone else shoes!MR Big talk! But harrassment is not right. ! It is also illegal when a freakin payment is being made monthly that is effort to take of your problems !!! You don't know the circumstance sthat people go through! HARRASSMENT is illegal by all standards and so is bullying! That won't get ya anywhere! Neither will threats! You have to be willling to work with those that are trying to work this is the worst company ever! They think bullying they will make money! I am sick and tired of the harrassment, I will show you how it works, and you will send this is the most unprofessional company ever! Monitor those calls, they won't be able to use them, they way people like Marcie talk. Cause they willget sued for harassament and threats! It can ahooen!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! CYA

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To start with, check with the court and see if there's a judgement against you. That's good background investigation, for when this bozo calls again. Forewarned is forearmed. It is possible that Sears or some CA has snuck a default judgement past you. I can't see any reason why a real judgement wouldn't appear on your credit report. This could well be a scam or scare tactic, which is why I recommend digging on your own.

The law says you have the right to validation. Insist on it! They're legally required to send you a dunning letter within five days. That will have (should have...) the account number and an address you can contact them at. If you don't receive a letter, or you're one of those in-your-face proactive folks like me, you can send them a DV at this address:

Central Credit Services
9550 Regency Square Blvd.
Suite 602
Jacksonville, FL 32225

I got that off of their website at: ccscollect.com.

I would definitely send them a strongly-worded DV letter, rather than a CD letter. At this stage of the game, you want to see what they've got.

Based on the account you've posted, you have them on multiple FDCPA violations, just in that one phone call. You might want to start recording any calls you get from them. Check your state laws about recording calls, or tell me what state you're in, and I'll check them for you. If these idiots are gonna treat you like this, you might as well allow them to pay you for the privelege.

This company is a scam. The people who work for this so-called company are extremely rude, and will hang up on you, at a moment's notice, if they don't like what they are hearing from you. I am personally calling the Attorney General's office to report this company, and I will not stop until I get satisfaction that they will be brought up on charges of operating with rude, bad-mouthing employees.
Watchbird Watching Them

CCS is one of many companies that buy bad debt for pennies on the dollar. They will try every trick in the book to get info from you. If they cannot collect they will package your info and resell it to another company.

The feds passed a law that states that you are responsible for all past due debt and it can be collected on until hell freezes over.

These collection agencies are guided by federal law that states...if you ask them to stop calling...they have to stop. Never give your social security number to anyone on the phone...if they are calling you they should already have your information.

When they call tell them that you are recording this call to document it.

Chances are they will not call back.

Good luck...

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Central Credit Services keeps calling my phone number looking for a Jason Castalucci .Have no idea who this clown is but he must have given the number I have as his phone number. They've been notified that this is not his number and that he doesn't reside at our address but they still keep calling. This is totally unethical. I don't know how to get them to stop calling my house and disturbing everyone in this house.

Courtesy of sunbiz.org corp database.

Florida Profit CorporationCENTRAL CREDIT SERVICES, INC.Filing InformationDocument NumberJ89255FEI/EIN Number592834638Date Filed08/24/1987StateFLStatusACTIVEEffective Date08/21/1987Last EventAMENDMENTEvent Date Filed03/03/2008Event Effective DateNONEPrincipal Address9550 REGENCY SQUARE BLVD
#500
JACKSONVILLE FL 32225 USChanged 01/19/2006Mailing Address9550 REGENCY SQUARE BLVD
#500
JACKSONVILLE FL 32225 USChanged 01/19/2006Registered Agent Name & AddressCORPORATION SERVICE COMPANY
1201 HAYS STREET
TALLAHASSEE FL 32301 USName Changed: 09/11/2007Address Changed: 09/11/2007Officer/Director DetailName & AddressTitle PECCLESTON, JAMES
9550 REGENCY SQUARE BLVD SUITE 500
JACKSONVILLE FL 32225 USTitle SPYFER, BARBARA
9550 REGENCY SQUARE BLVD SUITE 500
JACKSONVILLE FL 32225 USTitle TPYFER, BARBARA
9550 REGENCY SQUARE BLVD SUITE 500
JACKSONVILLE FL 32225 USTitle VPECCLESTON, GERARD
9550 REGENCY SQUARE BLVD SUITE 500
JACKSONVILLE FL 32225 US

Courtesy of Florida collection agency licensing records

License Name:CENTRAL CREDIT SERVICES INCDBA Name:License Type:Consumer Collection AgencyStatus:ApprovedStatus Effective Date:11/13/2009Original Date of License:3/15/2000License Number:CCA0900678License Expiration Date:12/31/2010
License Main Address:Street:9550 REGENCY SQUARE BLVD STE 500 City:JACKSONVILLEState:FLZip Code:32225License Mailing Address:Street:9550 REGENCY SQUARE BLVD STE 500 City:JACKSONVILLEState:FLZip Code:32225-8170Phone Number:904-724-1800

My wife filed for bankruptcy last 2007. since then she never open a single credit card. this morning CCS called my wife at her office and demand to her to pay debts from 2007 which was covered by chapter 7 and to add she never have a credit card from MET one master card.

I called them a let them know my wife filed for chapter 7 on 2007 and they put me on hold for 20min until the call was drop. rude people....

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I received a call from Central Credit Services last night, saying they were from Pennsylvania, but the call came from the Las Vegas area code. They said I owe a Capital One account of $56,134. I just about crapped my pants. When I said there must be some mistake, she said it was a bunch of smaller accounts that add up to that.

I do have bad credit with some past-due accounts and medical collections due to an accident that happened in 2006. I am just now starting my physical therapy so I can stand and walk right again. Anyhow, I pulled my tri-merge credit report in July 2009 and there was certainly NO Capital One account such as this, nor do I recognize the names of any of the smaller accountholders she claims "add up" to this ridiculous $56k sum. My TOTAL debt including consumer AND medical when I pulled the July report was $16,000.

I'm disabled, unable to work, live on Social Security Disability now (I was a magazine editor before the accident), and am scared to death about what might happen and not knowing what to do. Are they a scam operator, and what should I do? Thanks!

[QUOTE=Anonymous;514938]I received a call from Central Credit Services last night, saying they were from Pennsylvania, but the call came from the Las Vegas area code. They said I owe a Capital One account of $56,134. I just about crapped my pants. When I said there must be some mistake, she said it was a bunch of smaller accounts that add up to that.

I do have bad credit with some past-due accounts and medical collections due to an accident that happened in 2006. I am just now starting my physical therapy so I can stand and walk right again. Anyhow, I pulled my tri-merge credit report in July 2009 and there was certainly NO Capital One account such as this, nor do I recognize the names of any of the smaller accountholders she claims "add up" to this ridiculous $56k sum. My TOTAL debt including consumer AND medical when I pulled the July report was $16,000.

I'm disabled, unable to work, live on Social Security Disability now (I was a magazine editor before the accident), and am scared to death about what might happen and not knowing what to do. Are they a scam operator, and what should I do? Thanks![/QUOTE]

first use the address located in this thread to send a DV(debt validation)letter.send it certified mail return receipt.then file AG,and FTC complaints.yes they are a scam collector.

Central Credit is a scam! They told me that I owed money and had to pay $58 a month. Then they sent a letter saying that $8 was a transaction fee that was applied to NY accounts. I have other payment arrangements with reputable companies in Jacksonville, FL and they never added a transaction fee. Then they got nasty, rude, insulting and condescending telling me I was taking up their time! I intend to report their unprofessional behavior ASAP

Yeah they called me on a judgment from LVNV Funding. I didn't admit to it at first, he said the court where the judgment was entered, the date, everything. He tried to get me to pay, I said I was judgment proof, I am on SSDI and I can't pay. e said SSDI has nothing to do with me paying,lol.

I told him I am not paying, he asked if I was refusing to pay and I said YES!!! he said I will note it and report it to them as a refusal and hung up on me.

They do follow my state laws, they are licensed as a debt collector and they only call 2 times a week. They guy was really not that rude, just a little firm. I think they only collect on old judgments which for them is pretty easy if they have all the paperwork. I never responded to their dunning letter, don't care to, nothing they can get from me anyway.

All I can say is my experience with them was not too bad but if they sense anger in someone, they might push back, which is still illegal. They have an A+ rating and are an accredited business with the BBB. All complaints against them have been resolved.

gary santana called my work 12 23 09 told me i owed 115,000 for defieceincy loan on my foreclosed house in 08 it was a second mortgage,my husband had back surgery and hasen't worked since jan of 08,we lost our house, the car was paid for i work part time make under 10. an hour and we pay rent told me he was garnishing my wages and called back to "talk to my boss about job verification" there is nothing left after basic living exspenses so can he do this? i am in california,i gave him no information

These people keep calling me and ask for someone I have never heard of. They have been informed of that fact but they keep calling. I finally reached someone again and asked for their corporate address she refused to give it to me. They also call from different numbers in different states. I have had the number come in from Fla and NV. but its the same people that answer the phone.

You can always just wait them out. There is no reason to pay the debt after seven years as it is off your credit report and noncollectable.

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