CCB Credit Services, Inc. has collected consumer debts from Springfield, Illinois since 1933, one of the longest-operating collection agencies in the country. With 350 employees and $29 million in annual revenue, CCB is a substantial operation collecting for automotive lenders, utilities, telecom companies, healthcare providers, and educational institutions.
Documented FDCPA complaint categories include improper use of consumer information and attempting to collect debts not owed. CCB also files lawsuits and has appeared in courts across multiple states. This guide covers who they are and how to respond.
Who Is CCB Credit Services?
CCB Credit Services, Inc. is a third-party debt collection agency incorporated in 1964 and licensed under the Illinois Collection Agency Act. The BBB recorded 22 complaints in three years and the CFPB has closed 14 complaints since November 2016. Six Justia civil cases name CCB as a defendant.
They also offer first-party pre-collect and early-out programs, meaning they may contact consumers before accounts become severely delinquent. Illinois has a 5-year statute of limitations on written contracts, and medical debt CFPB rules apply to any healthcare account they report.
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CCB Does File Lawsuits
CCB Credit Services has filed lawsuits against consumers in multiple states and has appeared in courts across the country. Unlike some collectors that threaten lawsuits without following through, CCB is documented as an active filer.
If you receive a summons from CCB, respond before the deadline in your state. Ignoring it results in a default judgment that gives CCB authority to pursue wage garnishment and bank levies.
Attempting to Collect Debts Not Owed
A documented FDCPA complaint category against CCB is attempting to collect debts consumers say are not theirs. CCB collects for automotive lenders, utilities, and healthcare providers, all industries where account misattribution and billing errors occur.
If CCB is collecting on an account you do not recognize, request the original creditor’s name, the account number, the date the debt was incurred, and an itemized breakdown of all charges before engaging.
Improper Use of Consumer Information
A documented FDCPA complaint category against CCB is improper use of consumer information. FDCPA Section 1692c(b) prohibits discussing a consumer’s debt with third parties beyond what is necessary to locate the consumer. If CCB has contacted an employer, family member, or neighbor about your debt, document that contact before filing a CFPB complaint.
Multiple Phone Numbers
CCB uses dozens of phone numbers to place collection calls, including local area code numbers that consumers may not recognize as a collector. Known CCB numbers include (217) 786-4800 and (800) 252-1772, with many additional lines in use. If you receive calls from unfamiliar Springfield-area numbers, verify the caller before providing any personal information.
First-Party and Early-Out Programs
CCB offers pre-collect letter services and early-out programs in addition to standard third-party collection. If CCB contacts you shortly after a missed payment, confirm in writing whether they are acting as a first-party billing agent or a third-party collector. The answer determines which FDCPA validation obligations apply to your account.
Medical Debt Reporting Rules Apply
CCB collects for healthcare providers. Medical debts under $500 cannot appear on any consumer credit report. Any medical debt must wait one full year past the date of first delinquency before being reported.
If CCB has reported a medical balance under $500 or less than one year past due, dispute it immediately.
What CCB Cannot Do Under Federal and Illinois Law
- Attempt to collect debts not owed: A documented FDCPA complaint category. Any unrecognized account requires itemized documentation before engaging.
- Improperly use consumer information: A documented complaint category. Third-party contact beyond location inquiries is prohibited under FDCPA Section 1692c(b).
- File a lawsuit without proper service: Illinois courts require proper service before a default judgment can be obtained. If a judgment exists you were not notified about, consult an Illinois consumer attorney.
- Report medical debts under $500 or less than one year past due: Current CFPB rules prohibit both outright.
Verify the Debt Before Paying Anything
Send a written validation request by certified mail within 30 days of first contact. Request the original creditor’s name, the account type, the balance at referral, and an itemized breakdown of all charges. Confirm whether CCB is acting as a first-party or third-party collector before responding further.
How to Find CCB on Your Credit Report
Check your credit reports for “CCB Credit Services” and “CCB Credit Services Inc.” Confirm the original creditor is identified and the account type matches your history. For any medical entry, verify the balance exceeds $500 and the account is at least one year past due.
Your Options Before Paying or Responding
- Respond to any lawsuit summons immediately: CCB files lawsuits and pursues default judgments. Filing a response is the only way to preserve your defenses.
- Confirm first-party or third-party status before engaging: CCB offers both services. The answer changes what FDCPA validation rights apply.
- Request itemized documentation for any unrecognized account: The documented not-owed complaint category makes this essential before any engagement.
- File with the Illinois AG in addition to CFPB: The Illinois Attorney General’s Consumer Protection Division accepts debt collection complaints at (800) 243-0618.
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How to Contact CCB Credit Services
- Address: CCB Credit Services, Inc., 5300 South 6th Street Frontage Road East, Springfield, IL 62703
- Phone: (800) 252-1772 or (217) 786-4800
Bottom Line
CCB Credit Services has collected debts since 1933 and actively files lawsuits across multiple states. Documented complaint categories include attempting to collect debts not owed and improper use of consumer information.
Respond to any lawsuit summons before the deadline. For any account you do not recognize, request itemized documentation before engaging or paying anything CCB claims.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.