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:11/09/2023

  Type:Customer Service 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 am not liable for this debt with Commonwealth Financial Systems, Incorporated and do not have a contract with convergent. They do not provide me with the original application like I asked.

  Customer Answer

  Date: 11/10/2023

  Yes I have contacted them.

  Business Response

  Date: 11/29/2023

  RE CFSI ACCT# *********
  
  Dear *******,
  
  Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint # ******** 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.
  
  The above referenced account is the result of emergency physicians' services provided on 03/16/2020 by ******** ********* ******** ** *********** PA, the original creditor of the account. The account in question was validated on as part of a reasonable investigation and determined we are attempting to collect the debt from the correct consumer. We also requested additional documentation from the current creditor and have forwarded this information to consumer. We will continue to note the account as disputed. Should consumer have documentation or information supporting they aren't responsible for the debt, we encourage such evidence be provided to allow us to more fully investigate the matter with our client. Sincerely, ***********************, 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: 12/04/2023

  [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:11/06/2023

  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.

  Commonwealth financial systems is reporting a debt to credit bureaus which is incorrect and is no fault of my own and instead a result of original creditor (** ********* ********** ****) This hinders me as a consumer and causes me undo hardship as a resident of Pennsylvania. I demand the trade lines be removed from the three credit bureaus and future reporting stop.

  Business Response

  Date: 11/22/2023

  RE CFSI ACCT# *********
  
  Dear *******,
  
  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of ***********************. The above referenced account was reviewed fully in conjunction with the consumer's complaint and we hope the following information was found sufficient in addressing the issues and concerns set forth by consumer.
  
  The account in question is the result of medical services provided by ** ********* ********** **** on 08/21/2018, the original creditor of the account. ** ********* ********** **** later sold/charged off the original debt to our client after it had become seriously past due. Our client, acquiring all ownership rights upon purchase, including the rights to collect on the account, has assigned the account to our office for collection.
  
  We will forward the insurance information provided in complaint to our client for review, and if eligible, they will seek to
  resolve the debt with the insurance company. We will continue to note the account as disputed. I hope my response has addressed the issues and concerns as set forth in the complaint. Sincerely, *************************, 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: 11/27/2023

  What must be on file prior to billing a ******** patient for non covered services?
  This notice is called an Advance Beneficiary Notice of Non-coverage, or ABN

  ******** requires an ABN be signed by the patient prior to beginning the procedure before you can bill the patient for a service ******** denies as investigational or not medically necessary. Otherwise, ******** assumes the patient did not know and prohibits the patient from being liable for the service

  Customer Answer

  Date: 11/28/2023

  [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: The reported alleged debt is 1; Well beyond  4 years and legally cannot be collected. 2; By federal and state law unless an ABN was on file prior to any collection or reporting activity this should be considered unlawful and subject to legal action.
  
  Regards,
  
  ***********************
  

  Business Response

  Date: 12/08/2023

  RE CFSI ACCT# *********
  
  Dear *******,
  
  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of ***********************. Please be advised, 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 08/21/2018, making the account eligible within the credit reporting time limit. In regard to the statute of limitations, the statute applies to the maximum time legal proceedings can be initiated to collect on a debt. Commonwealth Financial Systems, Inc.  does not bring legal action against consumers.
  
  The insurance information submitted as an attachment with said complaint was forwarded to the current creditor for review, and the account was put on hold as we waited for instruction in regard to the account. We have since been advised by the current creditor to close the account in question. A deletion request, to remove the tradelines from credit reporting, has been submitted to the three major credit bureaus. We hope this addresses all concerns on the part of the consumer. Sincerely, *****************************, Legal/Compliance Dept. **This is a communication from a debt collector.
  

  Customer Answer

  Date: 12/12/2023

  [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:11/03/2023

  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 complaint regards charged off accounts from medical centers that were purchased by CWFS. Not only are these accounts being sold thru multiple collection agencies, but each time balances are changing on accounts I have no known knowledge of! Not only does this violates my rights, but it’s illegal to continuously sell a debt and then try to retrieve it. Also, the media is being transferred electronically without my consent that contains my social, address, and birthday which violates major rights under the FCRA. I demanded a ceast and desist verbally which has been declined because I am still receiving multiple calls a day about multiple debts that’s I’ve disputed and CWFS seems to have found accuracy of the debt. Furthermore, under the Pa.RE 803(6), 902(11), and 902 (12) are being violated! They have failed to provide me with an authenticated contract regarding direct business that I supposedly had with this medical debt collection office! Also relevant to this matter the “ Uniform Business Records as Evidence Act has been totally overlooked! This is a recurring issue with CWFS and I have forward this same complaint to a debt collector attorney! I am demanding all 4 accounts to be returned back to the original company, closing all future business and all 4 derogatory marks to be removed off of my credit immediately! I am prepared to take further action.

  Business Response

  Date: 11/21/2023

  RE CFSI ACCT# *********+
  
  Dear *******,
  
  Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint #******** on behalf of *****************************. Please be advised, Commonwealth Financial Systems, Inc. is third-party collection agency that services accounts on behalf of our clients. We do not originate the accounts we service, nor do we engage in debt buying. The referenced accounts are the result of emergency physicians services provided by *** ********* ********* ****** ****. The physicians group, who bills separately from the hospital, sold/charged off the original debts to our client after they became seriously past due and were placed with our office as unresolved debts.
  In compliance with Regulation F, prior to credit reporting, Electronic notification of the debts were sent to consumer. This letter provided the original creditor, name of the current creditor to whom the debt is owed, the amount of debt, and all other disclosures as required by the Fair Debt Collections Practices Act (FDCPA) and applicable State law. 
  
  I personally conducted a full file review which included all records, notes, and documents associated with the files and found no evidence to support consumer's claim that our office made frequent calls after being told to stop contacting. Our records found no direct contact with consumer. Also we have rules in place that limit the frequency of calls that can be made to an account as well as limits on manual outbound calls. A review of the files found Commonwealth Financial Systems Inc. acted in compliance with the credit reporting requirements imposed by Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).
  
  As per consumer's request, we will cease and desist collection activity in relation to the debts and return them to our client, informing them Commonwealth Financial Systems will no longer be servicing the accounts. A deletion request will be sent to the 3 major credit reporting agencies for the tradeline(s) to be removed from credit reporting. I hope my response has addressed the issues and concerns as set forth in the complaint. Sincerely, *****************************, Legal/Compliance Dept **This is a communication from a debt collector
  

• Initial Complaint

  Date:10/26/2023

  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.

  Do not know why this is in collection.have recieved no mail or phone call about this.did not know anything about it until I tried to get a bank loan and it was denied because this was on my credit report.have asked for information about this from collection agency and an itemized list about this problem they will not send me anything.they just want there money with no explation.why has it taken over 6 years to find this out.worked hard to get my credit rate up and this has ruined that.dont have any idea who or what this bill is for.would like removed from credit report

  Business Response

  Date: 11/07/2023

  RE CFSI ACCT# *********
  
  Dear *******,
  
  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of *********************. The above referenced account was reviewed fully in conjunction with the consumer's complaint and we hope the following information was found sufficient in addressing the issues and concerns set forth by consumer.
  
  The referenced account is a medical debt that originated with *** ** *********,LTD for services provided on 01/06/2017. Our records indicate, in compliance with Regulation F, prior to credit reporting we sent consumer notification of the debt on 09/05/23 via electronic communication. We then monitored the account for a minimum of 14 days to allow for notice of deliverability issues with that address. After 14 days, when no undeliverability notice was received, the account was sent to be credit reported.
  
  Per call recording review on 10/13/2023 **************** spoke with our agent to inquire about the referenced collection account. He was provided account details as well as informed an itemized bill would be mailed out to his address. Please be advised, a billing statement was provided by the current creditor and has been forwarded to consumer on 10/24/2023. We will continue to note the account as disputed and have informed the current creditor of dispute. Sincerely, *****************************, 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: 11/08/2023

  [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:
  

  all I have received from common wealth is a couple phone calls.they did tell me it was from emp and it was medical.i have not received any mail at all.no itemized list no info about the doctors or services provided.no emails I checked back to early September nothing there.feel I should have info about Dr's and the service they provided.and why it has taken over 6 years
  
  Regards,
  
  *********************

  Business Response

  Date: 11/10/2023

  RE CFSI ACCT# *********
  
  Dear *******,
  
  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of *********************. The account was placed with our office for collections on 08/08/2023 by ******** ***************** who is the current creditor of the account. Commonwealth Financial Systems Inc. (‘CFSI’) has no knowledge of previous agencies activity with regards to the timeliness of communication of the referenced account.
  
  We regret that **************** found our company response to be unsatisfactory, however as stated in our initial response a copy of the documents verifying the debt was forwarded to consumer. The billing statement **************** refers to was mailed to the address provided in complaint on 10/24/23. If there are any further questions, comments or concerns, consumer can reach ********** at **************.  Sincerely, ***********************, 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: 11/17/2023

  [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:
  
  well what's the next plan.still have not received any itemized list or any mail no emails just there reply to what you sent them.never heard of that other collection agency.i don't think they have a itemized list or they would have remailed i.t or sent it registered mail.so where do we go from here.

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

• Initial Complaint

  Date:10/24/2023

  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 received a notice that I have a collection from COMMONWEALTH FINANCIAL on my credit report. It says it was opened on 8/1/2023 for $645 with account number starting in ************ that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.I would like for this collection to be removed ASAP or I will file a CFPB and FTC report.

  Business Response

  Date: 11/03/2023

  RE CFSI ACCT# *********
  
  Dear *******,
  
  Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint #******** 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 debts with the collection agency, the original creditor has sold/charged off the original debts to our client who then assigned them to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debts.
  
  The date reflecting on the credit report that consumer is referencing is the date we first got the account for collection. The ***** * credit reporting guidelines require that we provide that date and it is outside our control how it appears on the credit report; the formatting is that of the credit reporting agency/agencies.
  
  The account in question is the result of medical services provided by ******* ********* **********, **** on 07/18/2020. A billing statement have been provided by the current creditor and forwarded to consumer. We will continue to note the account as disputed and have informed the current creditor of consumer's dispute. *I hope my response has addressed the issues and concerns as set forth in the complaint. Sincerely, ***** *********, 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:10/24/2023

  Type:Order 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 original contract as requested.

  Customer Answer

  Date: 10/25/2023

  I sent original letter to creditor and did not received copy like my letter stated. I am demanding proof that it is my account as it is my right per FCRA fair credit reporting act. 

  Business Response

  Date: 11/03/2023

  RE CFSI ACCT# *********
  
  Dear *******,
  
  Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint # ******** 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.
  
  The account in question was validated on as part of a reasonable investigation and determined we are attempting to collect the debt from the correct consumer. We also requested additional documentation from the current creditor and have forwarded this information to consumer on 11/01/23. We will continue to note the account as disputed. Should consumer have documentation or information supporting they aren't responsible for the debt, we encourage such evidence be provided to allow us to more fully investigate the matter with our client. •Sincerely, ***** *********, 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:10/23/2023

  Type:Order 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, as I requested.

  Customer Answer

  Date: 10/24/2023

  Dear Sir/Madam...it is my understanding that the following applies, according to the FDCPA; "§ 809. Validation of debts (a) Notice of debt; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing— (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such 15 USC 1692g 12 § 809 15 USC 1692g verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
  
  We received NO SUCH notification from either party.  We were in the process of applying for a mortgage re-fi, when we noticed that our credit had been flagged.  As I stated in my complaint, I have no agreement, whether verbal or contractual, with the debt collection agency mentioned.  I have sent CERTIFIED MAIL request, based on this same complaint, that they immediately VERIFY the origin or the alleged debt and PROOF that my signed contract with the debt collector be verified.  I can certainly provide that information to the BBB.  As to whether the debt collector or the originator of the alleged debt is in violation of the FDCPA, in NOT notifying us, I will have to leave that to your findings.  I am happy to drop this complaint should the debt collector either 1. provide me with a copy of my signed contract with them OR 2. a verifiable notification that we did, in fact, receive the required notification as stated above.  ***********************

  Customer Answer

  Date: 10/24/2023

  Certified mail - signature receipt requested - request for VALIDATION of information contained in the filing.

  Business Response

  Date: 11/06/2023

  RE CFSI ACCT# *********
  
  Dear *******,
  
  Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint #******** 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. Please note, HIPAA regulations permit the disclosure of limited information for the purpose of obtaining payment on medical goods and services, including reporting medical information to a credit reporting agency.
  
  The account in question was validated on as part of a reasonable investigation and determined we are attempting to collect the debt from the correct consumer. We also requested additional documentation from the current creditor and have forwarded this information to consumer. We will continue to note the account as disputed. Should consumer have documentation or information supporting they aren't responsible for the debt, we encourage such evidence be provided to allow us to more fully investigate the matter with our client. •Sincerely, ***** *********, 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: 11/07/2023

  [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:

  As previously stated, I am looking for exactly who has validated this claim, which should include name of contact, phone or email, title and position in the originators company, as well as the specific documents that show the new holder of the alleged debt and their specific relationship to the original furnished of the alleged debt.

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

  Business Response

  Date: 11/13/2023

  RE CFSI ACCT# *********
  
  Dear *******,
  
  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of ***************************. The account was placed with our office for collections on 06/14/2023 by ******** ***************** who is the current creditor of the account. As stated in our previous response, the account was purchased from the original creditor after it become seriously past due.
  
  In compliance with Regulation F, prior to credit reporting,Electronic notification of the debt was sent on 07/03/23. This letter provided the original creditor, name of the current creditor to whom the debt is owed,the amount of debt, and all other disclosures as required by the Fair Debt Collections Practices Act (FDCPA) and applicable State law. The letter also provided notice the consumer can dispute the debt.  We then monitored the account for a minimum of 14 days to allow for notice of deliverability issues.After 14 days, when no undeliverability notice was received, the account was sent to be credit reported. As stated in our previous response, a billing statement was also provided to consumer for review of charges.
  
  We regret that ****************** found our company response to be unsatisfactory however if there are any further questions, comments or concerns, consumer can reach our agency at **************.  Sincerely,*****************************, 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:10/23/2023

  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 dates show a recent charge, I do not owe rhis debt I have asked for proof of charges and credit. I have been involved in identity theft by my ex husband and have tried to resolve this. dates and charges are all inaccurate. I would like for them to show the dates of charges and any documents signed. furthermore if the dates are inaccurate I would like them deleted as I have been requesting documents for over 7 years

  Business Response

  Date: 11/01/2023

  RE: Complaint ********
  
  Dear *******,
  
  We would like to take this opportunity to resolve the complaint submitted by your office on behalf of ***********************************, however, the information provided in complaint does not link us to this individual and no personal identifying information was provided. Complainant will need to provide the last 4 digits of the individuals social security number and/or date of birth. If preferable, complainant can contact our office at ************ and go through the verification process for a record to be identified.
  
  Sincerely,
  *****************************
  Legal/Compliance Dept
  
  **This is a communication from a debt collector.
  

• Initial Complaint

  Date:10/22/2023

  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 company is showing two collections on my credit report, I have never worked with this company or have I sign any documents with this company, for any type of service. Removal of this soon and correction as soon as possible. Thank You *********************************

  Business Response

  Date: 11/02/2023

  RE CFSI ACCT# *********;*********;*********
  
  Dear *******,
  
  Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint #******** 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 debts with the collection agency, the original creditor has sold/charged off the original debts to our client who then assigned them to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debts.
  
  The accounts in question are the result of medical services provided by ****** ****** on 05/26/2019; *** ** ******** ******,LTD on 01/25/2017 & ******** ******* ******** 01/25/2017. Billing statements have been provided by the current creditors and forwarded to consumer. We will continue to note the accounts as disputed and have informed the current creditor of consumer's disputes. *I hope my response has addressed the issues and concerns as set forth in the complaint. Sincerely, *****************************, 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:10/11/2023

  Type:Order 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 The ************************* I do not have a contract with COMMONWEALTH FINANCIAL SYSTEMS, they did not provide me with the original contract as requested.

  Customer Answer

  Date: 10/16/2023

  I dont have proof I just called 

  Business Response

  Date: 10/27/2023

  RE CFSI ACCT# *********;*********
  
  Dear *******,
  
  Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint # ******** 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 debts with the collection agency, the original creditor has sold/charged off the original debts to our client who then assigned them to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debt.
  
  The accounts in question are the result of medical services provided by THE ********* ********* *****, PLLC on 07/24/2018 & 05/09/2021.Billing statements have been provided by the current creditor and forwarded to consumer. We will continue to note the accounts as disputed and have informed the current creditor of consumer's disputes. *I hope my response has addressed the issues and concerns as set forth in the complaint. Sincerely, *****************************, 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.