Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  COMNWLTH FIN (Original Creditor: ******* ***** ***** **** ****) ************ Balance Owed: $1,994 - I have never signed for this medical collection company and I will never allow another person to see my personal medical information. Please help me remove this collection from my credit report.

  Business Response

  Date: 12/01/2022

  Re. CFSI Acct # *********

  Dear *******, 

  Upon receipt of Complaint ********, we reviewed all relevant information provided by ************** with her dispute, and forwarded the information to our client for review. Based on the nature of the dispute, we also submitted a deletion request for the account to be removed from credit reporting. Please be advised, following their review, our client has instructed our office to close the account. 

  Do not hesitate to reach out to us should you feel we can be of further assistance. 

  Sincerely,

  Michelle H*******,
  Legal/Compliance Dept.

  ** This is a communication from a debt collector. 

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Complaint Details This business (**** ********* *************) showed up on my credit report under Commonwealth, however I have never been to an Emergency provider without having insurance, nor have I been to a standalone doctor like the business described. Specifically for over $700! All phones are disconnected. It mysteriously appeared on all 3 credit reports under Commonwealth finance. Per ***********- The organization recently has only one registered license in ************************ Physicians / Emergency Medicine, which is considered as the primary health care specialty. **** *************************** can be contacted via phone **************, or through Hence, ***** via phone **************. Whether it's the one in Hamilton Ohio, or Columbus. I specifically have not been to an office in Hamilton Ohio which is over an hour and a half away from where I live. South West. I have not been south in many years. This is a SCAM and this better be removed from my credit reports ASAP. I've never been sent a bill or an itemized bill. I have 0 record of this account and haven't even been seen in years. I will continue to dispute this and will potentially sue for falsified information.

  Business Response

  Date: 12/01/2022

  Re. CFSI ACCT # *********

  Dear *******, 

  Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of  Complaint ******** submitted on behalf of ******************************* and thanks you for the opportunity to respond. 

  The account in question is the result of emergency physicians' services provided to minor child, ***., at ************** Hospital. Services were rendered on April 02, 2017, by the **** ********* *************  medical group. The account was placed with our office on September 13, 2022,  as unresolved. Prior to credit reporting, our office sent **************** notification of the debt on October 06, 2022. We then monitored the account for no less than 14 days for notice indicating a deliverability issue. After 14 days, when no notice was received, the account was sent to be credit reported.  

  **************** is requesting an itemized bill. Please be advised, we have requested the itemized billing statement on the account.  We will forward the document to **************** upon receipt. 

  We will continue to note the account as disputed. I hope the response has addressed the issues and concerns as set forth in the complaint and provided assistance to consumer.

  Sincerely,
  Michelle H**************,
  Legal/Compliance Dept.

  ** This is a communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose. 

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This was not sent in error. I am consumer by law and I want you guys to delete the inaccurate accounts in my credit report. Here are the details of the said inaccurate accounts, company name, balance & date last reported: Account Name COMMONWEALTH FINANCIAL Balance $60.00 Account Number ************

  Business Response

  Date: 11/19/2022

  Re CFSI Acct # *********

  Dear *******, 

  We are in receipt of the complaint sent on behalf of  *******************************. Please be advised the above referenced account is no longer being serviced by Commonwealth Financial Systems **** The account was closed October 19, 2022, returned to our client **************,  and a request was submitted to the credit reporting agencies to remove all tradelines associated with the account from credit reporting. 

  Sincerely, 

  Michelle H*************

  Legal/Compliance Admin

  *This is a communication from a debt collector.  

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The basis for my dispute COMMONWEALTH FINANCE, Stephanie D******, Client Relations,COMNWLTH FIN, ************, $399 - was required to notify me prior to 09/07/2022, or no later than 30 days after. COMNWLTH FINfailed to notify me about reporting derogatory info. to ******* and ********** In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); “The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after 09/07/2022, furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p),’ 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC § 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Also, COMNWLTH FIN" failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA §809, which is $1000 per violation and the state of TX allows treble damages. Under § 809. Validations of date and Mini-Mirandi under Section 807(1)COMMONWEALTH FINANCE, Stephanie D******, Client Relations failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by the FTC, and that my state attorney general can also enforce this with a $1000 penalty as well. I attached a copy of the law and the actual document from the federal reserve COMNWLTH FINis held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. ***** v. ***** 980 S.W.2d693(Tex.App-San Antonio 1989 reh.den.) citing ****** v. ***** 936 S.W.2d 654(Tex.App-Dallas 1996 writ dism'd w.o.j.) RESOLUTION I will if the account is not taken back

  Business Response

  Date: 11/30/2022

  Re. Complaint ID ********

  Dear *******, 

  We would like to take this opportunity to resolve the above referenced complaint, however, the information provided in the complaint did not identify a record of association &/or does not link us to this individual.  At minimum we will require at least  the last 4 digits of the individual's social security number or a date of birth. If preferable,complainant can contact our office at ************** and go through the verification process for a record to be identified.

  Sincerely, 

  Michelle H***********,
  Legal/Compliance Dept.

  ** This is a communication from a debt collector.  

• Initial Complaint

  Date:11/11/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where’s my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.

  Business Response

  Date: 11/30/2022

  Re. CFSI Acct # *********

  Dear *******, 

  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of **************************** 

  Please be advised, Commonwealth Financial Systems, Inc. is a  third-party collection agency and as such, we do not have contracts directly with consumers. We service accounts on behalf of our clients with whom we share a contract and who has purchased the account from the original creditor. The original creditor has a right to sell/charge-off accounts after they become seriously past due. While the consumer did not create the debt with the collection agency, the original creditor has sold/charged off the original debt to our client who then assigned it to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debt. 

  As for HIPAA authorization, the HIPAA law permits creditors to share information with its Business Associates necessary to collect on medical debt. The HIPAA rules require that covered entities and business associates enter into contracts to ensure protected health information is appropriately safeguarded. Commonwealth Financial Systems, Inc. operates under a Business Associates Agreement with our client which certifies that we agree to not share private health information with anyone other than the consumer, or authorized party, and we further agree to keep records secure. Our company has been fully compliant with HIPAA requirements concerning privacy of medical records. 

  The debt, which originated from physicians' services provided on 02/12/2016. In regards to *** ******'s reference the debt is expired, the FCRA compliance date for credit reporting is 7 years from the date of service or date of first delinquency. The service date, used for FCRA purposes, is 02/12/2016, making the account eligible within the credit reporting time limit. If in relation to the statute of limitations, the statute applies to the maximum time which legal proceedings may be initiated; Commonwealth Financial Systems, Inc. does not bring legal action against consumers.
  

  The record shows receipt of a message sent by *** ******,  via our company website,  on 11/11/2022. *** ****** disputed the validity of the alleged debt. Our office began our reasonable investigation of the disputed information and reached out to our client for validation of the debt. Three days later  *** ****** is requesting validation while at the same time telling us to cease and desist all collection activity in the said Complaint. in response to consumer's  request, we have closed the account and will return it to our client.  *** ****** will have no further contact by our office regarding this account  A deletion request has been sent to the 3 major credit reporting agencies for the tradeline(s) to be removed from credit reporting. 
  

  We hope our response has addressed the issues and concerns as set forth in the complaint.  Do not hesitate to reach out should you feel we can be of further assistance. 
  
  Sincerely,

  Michelle H*******,
  Legal/Compliance Dept.
  
  **This is a communication from a debt collector.  
  

  Customer Answer

  Date: 12/01/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ***************************
  
  

• Initial Complaint

  Date:11/10/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I do not nor have I ever had a contract with commonwealth financial systems. I am not liable for this debt from ***** ****** *********. I am not responsible for this debt. A complaint ******-******* and request for DEBT VAILDATION with CFPB and i recieved no VALID response from the company. No contract was provided, no itemized report of debt due.

  Business Response

  Date: 11/25/2022

  Re. CFSI Acct # *********

  Dear *******, 

  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of Complaint ******** submitted on behalf of ******************************* and thanks you for the opportunity to respond. We hope the following information is found sufficient in addressing the issues and concerns set forth in the complaint.

  Commonwealth Financial Systems, Inc. is a  third-party collection agency and as such, we do not have contracts directly with consumers. We service accounts on behalf of our client with whom we share a contract and who has purchased the account from the original creditor, ***** ****** *********.  The original creditor has a right to sell/charge-off accounts after they become seriously past due. While the consumer did not create the debt with Commonwealth Financial Systems Inc., the original creditor has sold/charged off the original debt to our client who then assigned it to our office for collection. This is what gives our collection agency the ability to collect for an outstanding debt. 
  The subject account is the result of physicians' services provided to minor child, ****, on November 15, 2017 at ***** ****** ************ Hospital Dallas. Following insurance payments/adj, there remained a balance on the account which has been placed with our office as unresolved.
  Please be  advised Commonwealth Financial Systems, Inc. completed an investigation into the validity of the debt in response to a dispute submitted to the credit bureau(s) in July 2022. The investigation confirmed the accuracy of the account data and the balance due was verified.  A copy of the detailed billing statement from the original creditor was mailed to *** ****** on 7/28/2022 for her records. 
  Our office has no record of receipt of Complaint ******-******* and no results were found for complainant, nor Complaint ID# ******-*******,  on the referenced regulatory agency's complaint platform.
  Though no violation was found, and consumer did not provide any documentation showing the debt is not owed, we will  honor the request for no further contact by our office regarding the above referenced account. We closed the account and will return it to our client advising them Commonwealth Financial Systems, Inc. will no longer be servicing the account.   We have submitted for tradeline deletion to the three major credit reporting agencies - ********, ******* and **********.
  
  Sincerely,
  Michelle H*************

  Legal/Compliance Admin
  
  **This is a communication from a debt collector.   

  Customer Answer

  Date: 11/28/2022

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because: I am not liable for this debt. This was NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION and adherence to Fair Debt Collection Practices. I respectfully requested your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, your office's time has elapsed and has failed to report and remove the invalid information from the 3 major credit bureaus (*******, ********, or **********), this action might constitute fraud under both Federal and State Laws.
  Violation of the FCRA
  Violation of the FDCPA
  Defamation of Character
  
  Regards,
  
  *******************************
  

  Business Response

  Date: 12/08/2022

  Re. CFSI Acct # *********

  Dear *******, 

  We regret that **************** found our company response to be unsatisfactory. We at Commonwealth Financial Systems Inc. (‘CFSI’)  strive to deliver professional and assistive service to all consumers.  Furthermore, we respect the laws as well as the state and federal agencies that oversee compliance. 
  Commonwealth Financial Systems Inc. has provided  consumer both the validation of debt notice and the detailed itemized billing statement of the original creditor. We have provided consumer all necessary information required by the Fair Debt Collection Practices Act (FDCPA) and applicable State law. Commonwealth Financial Systems, Inc. believes it has met it’s standard for verification under Federal law. 
  As stated in our initial response, the subject account is no longer open with our office, however, should *** ****** have  documentation or information relevant to the claim that she is not liable for debt, we  will happily forward it on to our client for investigation. Should she wish, this information can be mailed to our office: Commonwealth Financial Systems, Inc., 245 Main Street, Dickson City, PA 18519, -  or,  emailed to:  [email protected]. To prevent any delays, we ask that the CFSI Acct # ********* be documented on all correspondence. 
  Sincerely,
  Michelle H************
  Legal/Compliance Admin

  ** This is a communication from a debt collector.  

• Initial Complaint

  Date:11/09/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I would like for these corrections to be made on my credit report

  Business Response

  Date: 11/24/2022

  Re.CFSI Acct # *********

  Dear *******, 

  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of the complaint submitted on behalf of ************************

  The debt in question is the result of emergency physicians' services provided by ******************************, **. These services were rendered on September 04, 2018 at **************************. It is our understanding ************** is disputing this debt as false and requests validation of the debt. Please be advised, we are conducting a reasonable investigation of the disputed information.   The account has been deleted from credit reporting and collection efforts will cease during this investigative time. We will send the findings of our investigation to consumer upon completion.

  Should ************* have any questions, we can be reached at **************.

  Sincerely,

  Michelle H*************
  Legal/Compliance Admin
  
  **This is a communication from a debt collector. 

• Initial Complaint

  Date:11/04/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently received notification of a collection item on my credit reports reported by Commonwealth Financial Systems that based on the original creditor was a service provided when I was a minor that I am not legally financially responsible for. The original creditor is ***** ********* ********** and there was no date on the report but my mom called and the **************** advised it was from January 2016, by the physician that treated my ankle injury. At the time my mom signed for and was the financially responsible parent. I have disputed this 3 times on ******** and they will not remove, Per the hospital, it is illegal to list this on my credit as I was minor. Not to mention, there has been NO communication from this Commonwealth to provide any type of documentation of outstanding debt that remains.

  Business Response

  Date: 11/22/2022

  Re: CFSI Acct #  *********

  Dear *******, 

  We thank you for the opportunity to respond to Complaint ******** submitted on behalf of ****************** The above referenced account was reviewed fully in conjunction with the consumers complaint and I believe the following information will address the issues and concerns set forth in the complaint.

  Please note, the date of birth of record is 12/28/1998. The debt in question was the result of emergency physicians' services provided  on January 12, 2017 at ************** HOSPITAL.   These services were provided by a member of ***** ********* ********** *** medical group, the original creditor of the account. There was a remaining balance on the account after payments/adjustments, which ***** Emergency Physicians later sold/charged off  to our client after it had become delinquent. Our client, the current creditor of the account, assigned it to our office on 08/12/2022 for collections. Prior to credit reporting, our office sent written notification of the debt to **. *********;on 09/01/2022.  In accordance with Regulation F,  the account was then monitored for a no less than 14 days to allow for notice of a deliverability issue with the address. No notice indicating a deliverability issue was received. 

  On 09/22/2022, our office received a notice from the credit bureau(s) that the consumer was disputing the debt. We reviewed all relevant information regarding the dispute that the CRA received from the consumer and conducted a reasonable investigation of the disputed information. The investigation confirmed the accuracy of the information being reported to the credit bureaus and and that we were attempting to collect the debt from the right person. We obtained verification of the debt and forwarded a copy of the supporting document  to ************. The document was sent to the address provided by consumer with his dispute and was not returned as undeliverable.  ************ can contact our office at ************** should another copy be needed. 

  Thank you for your patience while we completed our investigation of ************** claims.  We will continue to note the account as disputed.

  I hope this addresses the issues and concerns as set forth in the complaint.

  Sincerely,

  Michelle H*************,
  Legal/Compliance Dept.

  ** This is a communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose. 

  Customer Answer

  Date: 11/23/2022

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because:
  I have never received any documents regarding this. I would like an itemized bill to be sent to me at the address on file.
  
  Regards,
  
  *****************
  

  Business Response

  Date: 12/09/2022

  Re. CFSI Acct # *********
  
  Dear *******, 

  Please be advised,  a copy of the itemized billing statement is being sent to ************ via USPS First Class Mail. It is being sent to the address we have on file, and was confirmed in Complaint ********, which is the *****  PO Box address, Tempe, AZ *****

  Sincerely,

  Michelle H**************,
  Legal/Compliance Dept.
  ** This is a communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose. 

• Initial Complaint

  Date:10/31/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ********** **** I do not have a contract with Commonwealth Financial Systems. They did not provide me with the original contract I asked for.

  Business Response

  Date: 11/17/2022

  Re. CFSI Acct # *********

  Dear *******, 

  This response is in relation to Complaint  ******** submitted by your office on behalf of ************************ 

  Commonwealth Financial Systems, Inc. is a  third-party collection agency and as such, we do not have contracts directly with consumers. We service accounts on behalf of our clients with whom we share a contract and who has purchased the account from the original creditor. The original creditor has a right to sell/charge-off accounts after they become seriously past due. Though an account is charged off or sold, this does not satisfy the debt, nor does it affect the consumer's responsibility for the amount owed.   While the consumer did not create the debt with the collection agency, our client, who acquired all ownership rights upon purchase, including the rights to collect on the account, has assigned the account to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debt.   

  On June 30, 2022 CFSI received a notice from the credit bureaus the consumer was disputing the debt stating account is inaccurate.  In response to the dispute, we conducted a reasonable investigation of the disputed information and confirmed the  information in our records.  We obtained validation of the debt in the process. Our office forwarded a copy of the supporting document to **************** on July 12, 2022. 

  Commonwealth Financial Systems, Inc has provided **************** with both a validation of debt notice and the itemized billing statement. We have provided consumer all necessary information required by the Fair Debt Collection Practices Act (FDCPA) and applicable State law. Commonwealth Financial Systems, Inc. believes it has met its standard for verification under Federal law and the investigation is complete on our end.  

  Please note, this account is no longer being serviced by our office. The account was closed October 03, 2022 and returned to our client. A deletion request was submitted to the three major credit reporting agencies - ********, ******* and **********, to delete all tradelines associated with the account from credit reporting.

  Sincerely,

  Michelle H****************,
  Legal/Compliance Dept.

  ** This is a communication from a debt collector.  

  Customer Answer

  Date: 11/18/2022

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: 18337611
  
  I am rejecting this response because:
  
  How was this investigation carried out? 

   

  
  Regards,
  
  ***********************
  
  
  
  
  
  
  
  

  
  

  Business Response

  Date: 12/01/2022

  Re. CFSI Acct # *********

  
  Dear *******,
  
  The  investigation by our office was conducted in accordance with the standards of the Fair Credit Reporting Act (FCRA).  

  Sincerely,

  Michelle H*****************,
  Legal/Compliance Dept.

  ** This is a communication from a debt collector.  

• Initial Complaint

  Date:10/26/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  credit score dropped after false collection from company i haven't been to any medical facilities in the past year or better and all of a sudden these guys put a collection on me for some medical thing that never happened

  Business Response

  Date: 11/11/2022

  Re. CFSI Acct # *********

  Dear *******, 

  This response is in relation to Complaint ID ******** submitted on behalf of *******************. We hope the following addresses the issues and concerns set forth in the complaint. 

  Please be advised, the account in question is the result of emergency physicians' services provided on 11/07/2016 by the ****************************** medical group. ******************************, the original creditor of the account, later sold/charged off the debt to our client, the current creditor, who then assigned it to our office on 09/12/2022 for collection.

   Prior to credit reporting, our office sent  *********** notification of the debt. The notice was sent 10/06/2022  in an electronic communication. In compliance with Regulation F, after sending the notification we monitored the account for a minimum of 14 days to allow for notice of deliverability issues with the email. After 14 days, when no notice was  received, the account was sent to be credit reported. 

  On 10/24/2022 our office received notice from the credit bureaus the consumer was disputing the debt stating he was not aware of the debt in collections. We obtained the validation document containing detailed  information about the debt and forwarded a copy  to consumer on 11/10/2022 via USPS postal mail. 

  We hope this assists consumer. We can be reached at ************** should consumer have any questions, or need further assistance. 

  Sincerely,

  Michelle H*************,
  Legal/Compliance Dept.

   ** This is a communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.