Is discountopportunity.com a Scam or is it Legitimate?

Consumer Complaints

• Aggressive Tactics: CCS frequently buys old or disputed debts and uses automated texting or mailed letters that look alarming or unofficial.
• Debt Purchasing: They often offer "discount opportunities" (e.g., settling a debt for 50% of the original cost) because they bought the debt for pennies on the dollar and are simply trying to recover a quick payout.
• Consumer Complaints: Users report issues like poor customer service, rude representatives, and failure to accurately report paid settlements to credit bureaus.

How to Handle the Notice

If you have received a letter or text message from Discountopportunity.com or CCS, follow these steps to protect yourself:

1. Never pay immediately: Scammers often try to rush you into paying without giving you time to research.
2. Request written validation: Do not rely solely on a website or text. Legitimate debt collectors must provide written proof of the debt upon request. Send a debt validation letter by mail.
3. Verify the debt: Check your credit report to see if the original creditor or the CCS collection is listed. You can check your reports for free on AnnualCreditReport.com.
4. Compare numbers: Ensure the phone number on the letter matches the official CCS customer service number. Beware of random text messages asking you to call an unknown number or pay with gift cards/wire transfers.
5. File a complaint: If you are being harassed or suspect you are dealing with a fake collector, report it to the Consumer Financial Protection Bureau.