Credit Collection Services (CCS): who they are and what the CFPB complaint record shows
Credit Collection Services (CCS): company facts, what the CFPB complaint database shows (checked Oct 20, 2026), public enforcement records, and the rights the law gives you when a collector contacts you.
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Short answer: Credit Collection Services (CCS) is one of The CCS Companies, headquartered at 725 Canton Street in Norwood, Massachusetts (per ccsusa.com). If Credit Collection Services (CCS) has contacted you, federal law (the Fair Debt Collection Practices Act and the CFPB's Regulation F) gives you the right to a validation notice and to dispute the debt. This page lists facts only; it is not legal or financial advice.
Company facts
| Field | Value |
|---|---|
| Legal name | Credit Collection Services (CCS), one of The CCS Companies (ccsusa.com) |
| Headquarters | Corporate HQ: 725 Canton Street, Norwood, MA 02062 (ccsusa.com) |
| Type | Collection / business process outsourcing ("business process outsourcing solutions", ccsusa.com) |
| Website | ccsusa.com |
| Phone | (617) 965-2000 (corporate, ccsusa.com) |
| State license | Check it yourself on NMLS Consumer Access (we do not copy NMLS data) |
CFPB complaint record (checked Oct 20, 2026)
No company named "Credit Collection Services" or "The CCS Companies" is listed in the CFPB consumer complaint database (searched Oct 20, 2026). Two similar names are listed: Credit Collections Services, Inc. (3 complaints, filed 2015 to 2019) and CCS Financial Services, Inc. The database gives no address or parent company for either one, so official records don't show whether either is the Norwood company.
That's why this page shows no complaint figures for Credit Collection Services. You can search the CFPB complaint database yourself.
Public enforcement actions
None found in the CFPB enforcement actions search for "Credit Collection Services" on Oct 13, 2026. No FTC action found in a web search of ftc.gov on Oct 13, 2026. No state attorney general action found in a web search of official AG sites on Oct 13, 2026.
What the law gives you when a collector contacts you
- Validation notice. Under Regulation F (12 CFR 1006.34), a debt collector must give you a validation notice with the amount owed, the creditor and how to dispute. eCFR §1006.34
- Right to dispute. The notice gives the date by which you can dispute; if you dispute in writing in that period, the collector must stop collecting until it sends verification. CFPB: What information does a debt collector have to give me?
- Sample letters. The CFPB publishes free sample letters to request information, dispute a debt or limit contact. CFPB debt collection letters
- Complaints. You can file a complaint with the CFPB at consumerfinance.gov/complaint.
- Time limits. Each state sets its own statute of limitations on debt, so check the rules for the state you live in.
Frequently asked questions
Is Credit Collection Services (CCS) a real debt collector?
Yes. Its company website lists it among The CCS Companies.
What should I ask Credit Collection Services (CCS) for first?
The validation information described in Regulation F §1006.34; the CFPB's sample letters cover this.
Can I file a complaint about Credit Collection Services (CCS)?
Yes, anyone can file a complaint with the CFPB online.
Why doesn't this page show CFPB complaint numbers for Credit Collection Services?
As of Oct 20, 2026, the CFPB complaint database lists no company named Credit Collection Services or The CCS Companies, and official records don't tie any similarly named listing to the Norwood company.