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:05/05/2023

  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.

  received a notice that I have a collection from COMMONWEALTH FINANCIAL on my credit report. It says it was opened on 02/22/2022 for $743 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: 05/19/2023

  RE: Complaint: ********
  
  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. (CFSI) is a third-party collection agency that collects on behalf of our clients. The account in question is the result of medical services provided to a minor child by ******* Emergency Medicine of Broward, LLC on 10/07/2018, the original creditor of the account. ******* Emergency Medicine of Broward, LLC 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 on 02/22/2022. This is what gives our agency the ability to collect for the outstanding debt.
  
  In compliance with Regulation F of the CFPB’s Debt Collection Rule, prior to credit reporting, Electronic notification of the debt, was sent on 8/15/22. 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.
  
  Please be aware the above referenced account is no longer being serviced by Commonwealth Financial Systems, Inc. (CFSI). The account was closed and scheduled to be returned to our client ** ******* LLC, and a request was submitted to the credit reporting agencies to remove all tradelines associated with the account from credit reporting. We hope this addresses all concerns on the part of the consumer. Sincerely ***** *********, Legal/Compliance Admin.  **This is a communication from a debt collector.  

• Initial Complaint

  Date:05/04/2023

  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.

  Date of transaction: Feb 8th 2023 Commonwealth financial Account#: ******xxxxxx ***************** Dickson City Pa ********** ************** Amount: $688.In have no recollection of this account. I didn't go to the Hospital in 2018. I think somebody used my name. Please help. Nobody will tell me what's going on. Sincerely *******************************.

  Business Response

  Date: 05/17/2023

  RE CFSI Acct# *********
  
  Dear *******,
  
  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of *******************************. The account referenced in ************************* complaint is a medical debt that originated from emergency physicians' services rendered on 02/16/2018 by a member of the ***** ****** EMERG PHYS LLC, the original creditor of the account. ***** ****** EMERG PHYS LLC later closed/charged off the account to our client, ******** ***************** LLC, who has assigned the account to our office 02/08/2023. Following notice by the credit bureaus the consumer was disputing the account on the basis: Not my Debt, our office conducted it's reasonable investigation and confirmed the accuracy of information in our records, and that being reported to the credit reporting agencies. A copy of the document verifying the debt was forwarded to consumer for their record 5/11/2023.
  
  We encourage consumer to contact us at ************ where our professional and friendly agents can assist consumer with resolving this matter. 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:05/03/2023

  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.

  I just realize my FICO score dropped significantly and decided to check my credit report, to find a charge of $1200 in collection and with this company's information. First of all, I have never received a bill for this debt. I called the number and a woman identified my phone number as somebody else's. I tried to get information about the supposed debt but she only wanted me to give her my SSN, address etc. I just gave her my name for her to look at the debt but she said she needed more information and was not willing to help me without it. I researched the original lender and it comes up to a hospital. Funny thing is that it is my employer! From which I have health insurance and I know I don't owe them money! I always take care of my debt and my credit score has been very good, always. I want this company to fix my report.

  Business Response

  Date: 05/17/2023

  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.
  

  Customer Answer

  Date: 05/18/2023

  [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:

  These people are lying, if according to them, there is no link between me and the debt, how is it possible that shows on my credit report? The only thing I know is that the debt does not belong to me. And no, I am not providing this company with my personal information, if they reported me to the credit bureaus, they are supposed to have enough information to prove the debt when I dispute it, if they cannot prove it, they have to remove it from the report. My dispute to BBB is just to leave a public record (like many many other people) about this company's practices. 
  
  Regards,
  
  *************************

  Business Response

  Date: 05/26/2023

  Dear *******,
  
  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of *************************. We regret that **************** found our company response to be unsatisfactory, however, we cannot move forward without information necessary to identify a record.  Should **************** decide to provide such information, we can be reached at ************.*********, . Sincerely, ***** *********, Legal/Compliance Dept. **This is a communication from a debt collector.
  

• Initial Complaint

  Date:04/28/2023

  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 basis for my dispute COMMONWEALTH FINANCE, ********* *******, Client Relations,COMNWLTH FIN,************,$603 - was required to notify me prior to 01/16/2023, 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 01/16/2023, 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, ********* *******, 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.AppDallas 1996 writ dism'd w.o.j.)

  Business Response

  Date: 05/12/2023

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

  Dear *******,
  
  In response to  Complaint ID  ********, submitted by your office on behalf of   ***************************,please note the following:
  
  The account in question wasnt assigned to our agency for collections until January 16, 2023, and therefore, have no knowledge of the debt, we could not notify consumer prior to 01/16/2023. In compliance with Regulation F of the CFPB’s Debt Collection Rule, prior to credit reporting the account, our office sent consumer notification of the debt on 02/03/2023 in an electronic communication.  We then waited fourteen (14) days, the reasonable period of time  as defined by the CFPB,  to allow for notice of a deliverability issue.  No undeliverable notice was received, and after 14 days the account was sent to be credit reported.
  
  On 04/25/2023,  CFSI received a notice from the credit bureau(s) the consumer was disputing the debt under the claim the information on account is inaccurate.  In response to the dispute, we conducted our reasonable investigation. After confirming that the information in CFSI’s records matched the information being reported to the credit bureaus, we verified the debt to the credit bureaus.  As part of our dispute handling process, we reached out to our client and was provided verification of the debt. A copy of the supporting document was forwarded to consumer on May 04, 2023.
  
  A file review determined Commonwealth Financial Systems, Inc acted, in all instances, in compliance with Federal and State law. The account has been marked as disputed and will continue to be noted as such. We hope our response has addressed the issues and concerns as set forth in the complaint and provided assistance to consumer.
  

  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:04/10/2023

  Type:Sales and Advertising 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.

  Receiving harassing phone calls all last fall and winter. Spoke with representative on the phone. They requested to speak with someone who was not me and I confirmed they had the wrong name and phone number. I was told they would remove me from the list. They have started to call me again on 4/10, 4/4, and 3/21. I have no idea why I am receiving calls.

  Business Response

  Date: 05/05/2023

  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 addresses the issues and concerns set forth in the complaint.  
  
  On 10/11/2022, an unresolved medical debt was placed with our office for collection in complainant’s name. In compliance with Regulation F of the CFPB’s Debt Collection Rule, we sent **. ******* notification of this debt prior to credit reporting. The notice was sent on December 21, 2022, and was not returned as undeliverable. The first communication received on the account was a message, submitted by consumer on February 07, 2023, through the contact form on our website. In his communication, consumer requested the name and address of the original creditor of the account in collection, and validation of the debt. The consumer also provided the phone number **********. At no place in the message did consumer state to remove the phone number from further calls, and our files found no record of telephonic contact with consumer, as referenced in the complaint. Furthermore, the call logs deny a call pattern harassing in nature and instead, support a call pattern compliant with the CFPB’s Regulation F of the *** call rule as presented in Section ***********. To honor consumer’s statement he would like no further attempt at contact, we have placed the consumer’s phone number, physical and email address, in a ‘Do Not Contact’ status. Our records indicate we obtained validation of the debt as requested by consumer, and  a copy of the supporting document was forwarded to consumer on February 14, 2023.
  
  Should consumer have any questions regarding the account in our office, our company can be reached at our toll free number:  1-800-848-2170.
  
  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:04/09/2023

  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.

  I filed a complaint thru ******** ****** ***** they are saying that's I can't dispute even though I have proof of wrongful information they refuse to remove the incorrect information account was in 2020 not 2021

  Business Response

  Date: 04/27/2023

  Re. CFSI Acct # *********

  Dear *******, 

  In response to Complaint ********, submitted by your company on behalf of *********************************, please be advised of the following. 

  The account in question is the result of a contract  that originated with Uown Leasing in the year 2020, as ******************** stated; the date the contract was entered into is  10/05/2020, to be exact. The date of first delinquency is recorded as 12/26/2020. Both the date of service and the delinquency date are provided to the credit reporting agencies and these dates do not change for any account.

  A review of the file found no record of direct contact between our office and complainant. ************************ claim that she was advised she can't dispute the debt is found to be unsubstantiated. Our records indicate the account was disputed through one of the three (3) major credit reporting agencies. Immediately following notice of the dispute, the status of the account was updated to a dispute status. Our internal investigation found the information being credit reported to be accurate. The communication ******************* received through ****** ***** appears to be linked to **********. Please note, the credit reporting agencies are separate entities, of which Commonwealth Financial Systems Inc has no control over. We suggest ******************** contact ********** with respect to the communication in her attachment.

  We will continue to note the account as disputed.  Should consumer have any further questions, or need additional information,  our company can be  reached at the toll free number **************.

  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: 04/28/2023

  [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:04/04/2023

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

  Business Response

  Date: 04/20/2023

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

  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of Complaint ******** submitted by your office on behalf of ******* ******** and we hope the following information is found sufficient in addresses the issues and concerns set forth in the complaint.
  
  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 subject debt is a medical debt  that originated with ******** ********* ******** for services provided to minor child, A.M. on 04/23/2018. No supporting documentation accompanied the complaint evidencing consumer is not responsible for the debt. Should ***  ********  have documentation or information relevant to supporting the basis of her dispute position, we encourage her to provide such evidence to allow us to more fully investigate the matter with our client.  This information can be mailed to: Commonwealth Financial Systems, Inc., 245 Main Street, Dickson City, PA 18519, or-  emailed to: [email protected]. To prevent any delays, the CFSI Acct # should be documented on all correspondence.
  
  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:04/04/2023

  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.

  Please be advised that I dispute the validity of the alleged debt in its entirety and refuse to pay it. I believe you violated the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692, et seq. I recently received information from you attempting to collect the above-listed alleged debt I request verification of the alleged debt, specifically including and limited to (a) the name and address of the original creditor, (b) a copy of a signed contract between myself and the alleged original creditor, and (c) a copy of your purported legal authority to collect on the alleged debt. You are attempting to collect an alleged debt that I do not owe in clear violation of the FDCPA. As a fair resolution to my claims, I demand that you (i) cease and desist all collection, including credit reporting, and (ii) promptly request deletion of all reporting to credit reporting agencies. Your compliance with this demand within 14 days shall moot my debt verification request above. This demand letter also serves as a complaint the ******** ********* ********** ****** (“****”). The **** is authorized to investigate this matter and receive any related information.

  Business Response

  Date: 04/19/2023

  Re. CFSI Acct # *********
  
  Dear *******,
  
  This response is in relation to Complaint ID ********  submitted on behalf of  ************************  We at Commonwealth Financial Systems Inc. (‘CFSI’) take our consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions.   Please be advised, Commonwealth Financial Systems, Inc. (CFSI) 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. The account at issue is the result of emergency physicians’ services provided on 12/22/2016 by I******* * ***********, who is the original creditor.  ******** * *********** later sold/charged off the original debt to our client, after it had become delinquent. Our client, the current creditor, acquired all ownership rights upon purchase, including the rights to collect on the account. While the consumer did not create the debt with Commonwealth Financial Systems Inc., the current creditor has placed the accounts with our office for collections. This is what gives our agency the ability to collect for an outstanding debt. 
  
  Our records indicate the account was placed with our office on 06/28/2022. Prior to credit reporting the account, our office sent *** ****** notification of the debt in an electronic communication on August 1, 2202.  \We then waited fourteen (14) days,  the reasonable period of time  as defined by the ****,  to allow for receipt  and notice of a deliverability issue.  No undeliverable notice was returned and, after fourteen (14) days, the account was sent to be credit reported.
  
   A review of the file found no violations of the Fair Debt Collection Practices Act (FDCPA). In said complaint, *** ****** is requesting verification of the debt while at the same time telling our agency to cease and desist all collection. Although no violation was found on the part of our company, we have honored consumer's cease request on the account in question and closed it in our office. The account will be returned to our client. As standard procedure we submitted a request for credit report deletion of our tradelines upon closing the account. Please note that it may take time for the credit reporting agencies to process our request and update consumer's file.

  Sincerely,

  *********************************,
  Legal/Compliance Dept

  ** This is a communication from a debt collector.  

• Initial Complaint

  Date:03/20/2023

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

  Business Response

  Date: 04/06/2023

  Re. CFSI Acct # *********

  Dear *******, 

  In response to Complaint ******** submitted by your office on behalf of *****************************, please be advised Commonwealth Financial Systems, Inc. (CFSI) 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. The account is the result of medical services rendered to consumer on 05/13/2019 by ********* ******* **** ****.   ********* ******* ******** later sold/charged off the account to our client, after it had become delinquent. Our client, the current creditor, acquired all ownership rights upon purchase,, including the rights to collect on the account. While the consumer did not create the debt with Commonwealth Financial Systems  Inc., the current creditor has placed the accounts with our office for collections. This is what gives our agency the ability to collect for an outstanding debt. 

  Should **************** have  documentation or supporting information evidencing she is not responsible for the debt, we encourage her to mail the information to our office at Commonwealth Financial Systems, Inc., 245 Main Street, Dickson City, PA 18519, or -  submit it via email  to [email protected]. To prevent any delays, the CFSI Acct # should be documented on all correspondence.  

  We have marked the account to reflect consumer's position with regard to the account. Should consumer have any questions with  regard to the account, our company can be  reached at toll free number:  **************.

  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:03/20/2023

  Type:Billing Issues
  Status:

  UnansweredMore 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 called to settle a debt. The debt was settled 3/6/2023. I paid $300 to settle and was told I would receive a letter of verification. Now my credit report says I owe a balance. In my state Im allowed to record phone calls and I have everything recorded.