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:02/12/2023

  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 put this collection on my credit report. From my understanding the original bill is over 8 years old. They will not return calls and they hang up on people when you try to get documentation. This is not my bill. Here is what they put on my report. Account info Account name COMMONWEALTH FINANCIAL SYSTEMS Account number ************ Account type Collection Responsibility Individual Date opened 11/08/2022 Status Collection account. $187 past due as of Feb 2023.Status updated Nov 2022 Balance $187 Balance updated 02/05/2023 Recent payment $0 Monthly payment $0 Original balance $187 Highest balance $0 Terms 1 Months On record until May 2023

  Business Response

  Date: 02/28/2023

  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 at Commonwealth Financial Systems Inc. (‘CFSI’)  strive to deliver professional and friendly service to all consumers and immediately looked into the claims set forth in the complaint.
  
  The account at subject was placed with our office on 11/08/2022 for collections. Our system of records shows evidence of 8 outbound calls to  phone number ********** from 11/08/2022 to 01/03/2023; 8 of 8 calls were answered by a telephone answering device, no contact with consumer was made. An in-depth search found not record of inbound call(s) from complainant's phone number to support complainant's claims. 
  
  The account in question has been updated to reflect consumer's  Dispute position and we conducted our reasonable investigation of the disputed information. The debt was validated on 02/20/2023 and our investigation determined we were collecting from the correct consumer. In accordance with the Fair Credit Reporting Act, a request was submitted to  the credit bureaus to  update the tradeline for this account to reflect the disputed status. Based on information contained in our account records, and the findings of our investigation, the  dispute did not require tradeline deletion.  Should *** ******** have  documentation or information relevant to supporting the basis of his dispute , we encourage him to provide such evidence to allow us to more fully investigate the matter with our client. This information can be mailed to our office: Commonwealth Financial Systems, Inc., 245 Main Street, Dickson City, PA 18519, -  or,  emailed to:  [email protected]. We ask that the CFSI Acct #  be documented on all correspondence to prevent any delays.

  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:02/11/2023

  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 **. ******* hospital and do not have a contract with commonwealth financial . They do not provide me with the orginial application like I asked.

  Business Response

  Date: 02/27/2023

  Re. CFSI Acct # *********

  Dear *******,

  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of  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. 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 debt in question was validated September 13, 2022 in response to a previous dispute by consumer. The account has recently closed with our office but should consumer have  documentation or information relevant to substantiate his dispute, we encourage him to provide such evidence  and we will forward it to our client for further  investigation.   This information can be mailed to our office: Commonwealth Financial Systems, Inc., 245 Main Street, Dickson City, PA 18519, -  or,  emailed to:  [email protected]. We ask that the CFSI Acct #  be documented on all correspondence to prevent any delays.

  Sincerely, 

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

• Initial Complaint

  Date:02/03/2023

  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.

  Commonwealth Finance you are reporting Inaccurate and unverifiable information . As BBB being my witness to this matter I request for this debt collection company to provide me with PROOF of the full disclosure of this alleged debt . I also request PROOF of the original contract and my signed signature, or and Documents of this alleged debt with this company. By law you have 15 days to provide PROOF of the things I have requested if my request is not answered This alleged debt must be deleted. I demand you to Cease and desist all reporting of this alleged debt.

  Business Response

  Date: 02/09/2023

  Complaint ID #********
  

  Dear *******,

  We would like to take this opportunity to resolve the complaint, however, the address provided in the complaint does not link us to this individual and we could not match up a record of association. In order to isolate a file, we will need verifiable information, such as the last 4 digits of the individual's social security number or date of birth. If preferred, complainant can call into our office at ************** and go through the verification process for a record to be identified.

  Respectfully,

  ***************************

  Legal/Compliance Assistant.

  **This is a communication from a debt collector.

• Initial Complaint

  Date:02/03/2023

  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.

  Dear BBB I have a complaint.commonwealth finace has been repeatedly hitting my credit accout number " ************ "They state I owe a **** of $56 dollars. I have never done bussiness with them I do not know who they are or what the debt it. I have sent out letters to them asking for all of the information I have never gotten a responce. I pay all my bills as soon as I can. I do not know what this is. I am on ******** due to my disabilities. I have no credit cards. I do not own a car. they just keep reupping this my credit had dropped drastically in the past year an may not recover from this attack. Will you please resolve this issue. I do not know how to get supporting documents all it is is on my credit report.

  Business Response

  Date: 02/16/2023

  Re. CFSI Acct # *********

  Dear *******, 

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

  Please be advised, this account was recalled on 06/18/2022 and is no longer being serviced by Commonwealth Financial Systems, **** At the time of closing, a deletion request was sent the 3 major credit reporting agencies: *********** ******* *** ********, for removal of all tradelines on the referenced account and it should not be appearing on any of these credit reports of the consumer. If the account is continuing to show on any one of these Credit ****************** reports, the most efficient method at this point is for the consumer to directly dispute with the Agency that continues to carry the tradeline.

  Should the consumer or credit reporting agency feel we can be of further assistance in the matter, we can be reached at **************. 

  Sincerely, 

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

  
  ** This is a communication from a debt collector.  

   

   

• Initial Complaint

  Date:02/01/2023

  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.

  Commonwealth Financial Systems Account number: ********* ***** account: ************ I recently found that Commonwealth Financial Systems had filed a collections against me on the behalf ***** are either purchased an account pertaining to me from ***** and preceded with malice without fore thought of the account that is originally over 4 yrs. old do to the failure of ***** to effectively and correctly file the insurance and or to get in contact with me when they found a problem. Further more Commonwealth did not take the time nor have they did the research to fine out what was the problem and why was it now being that this account after 4 yrs. was just now being turned over to them. If they would have taken the time they would have found out if not from ***** then me that the procedure for this account was 100% payment approved and that ***** was at fault for there misfiling and or not getting in contact with me if there was a problem or anymore information needed. I have already filed a complaint against ***** for there short comings in this matter and like for Commonwealth be removed from my credit report effective immediately.

  Business Response

  Date: 02/16/2023

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

   

  Please be advised, Commonwealth Financial Systems, **** is a third-party collection agency that collects on behalf of our clients.  Our client purchased the original debt from the original creditor of the account, ***** ******, after it became seriously past due and placed it with our office for collection.  The account had closed in our office on 2/10/2023, however,  in an effort to assist consumer with resolving the debt, should ********************** provide  the applicable insurance information, we will forward it to our client for review. If eligible, they will seek attempt  to resolve the debt with the insurance company. Please note, our client will need the following : Insurance name, address, phone # , member ID#, effective date (if known)  . This information can be mailed to our office at:Commonwealth Financial Systems, ****, ************************************************************,- or emailed to:  ***************************************. To prevent any delays, the **** Acct # should be documented on all correspondence.

  Sincerely, 

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

   

   

   

   

• Initial Complaint

  Date:01/29/2023

  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, ************, $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 ******** ********* *** ********** 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 ***** 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 ************** five days prior to placing this derogatory item on all of my credit reports, per Section *************** 809, which is $1000 per violation and the *********** allows treble damages.Under 809. Validations of date and Mini-******* 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 ***** 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 **** 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 *********** a creditor is who collects their on debt is considered a debt collector under FDCPA. ***** v. Heard 980 S.W.2d693(Tex.App-*********** **** reh.den.) citing ************************** *** ****** ***(Tex.App-****** **** writ dism'd w.o.j.)

  Business Response

  Date: 02/17/2023

  Re. CFSI Acct # *********
  
  Dear *******, 
  
  This response is in relation to Complaint ID   ********       submitted on behalf of  ****************************  We at Commonwealth Financial Systems **** (CFSI) take our consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions. The account at issue was placed in our office for collection on 09/07/2022. In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting the account, our office sent consumer written notification of the debt in an electronic communication.  The notification of debt was sent on October 07, 2022. 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. 

  
  Please be advised, there is no record of our office having direct contact with ********************, where a request for documentation was made. On January 27, 2023 our office received notice from the credit bureau(s) that the consumer is disputing the accuracy of the information on the account.  As part of our dispute handling process, we conducted a reasonable investigation of the disputed information. Through that process, we obtained verification of the debt and confirmed the accuracy of the information in our records, as well as that being credit reported. A copy of the supporting document obtained to verify the debt was forwarded to ******************** on February 07, 2023 for her records. 

  
  The account is currently in a dispute status.  A subsequent dispute has been received on the account and the dispute information has been forwarded to our client for further investigation. Pending our clients findings, and  it has been requested from the three major credit reporting agencies  to remove the account from consumers report.  We have ceased collection efforts and have requested the tradelines be removed from credit reporting pending our clients findings.

  Sincerely,

  
  *********************************,

  Legal/Compliance Dept.

  
  ** This is a communication from a debt collector.  

• Initial Complaint

  Date:01/21/2023

  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.

  Commonwealth Financial Systems ********************** Dickson City PA ****** Was notified by the credit bureaus that there was a medical collection on my accounts which posted 8/5/2022. I sent a letter to the collection agency for validation and they sent back a bogus letter saying it was a hospital bill from 2017. I have not been to the hospital at all. The credit bureaus sent back letters saying it was validated. How can you validate something in less than one week after the postage date of me sending letters. This situation has caused me nothing but stress and anxiety.

  Business Response

  Date: 02/07/2023

  Re. CFSI Acct # *********

  Dear *******,

  This response is in relation to Complaint ******** submitted by your office on  behalf of ************************. We hope the information provided addresses the issues and concerns set forth in the complaint. 

  The account placed with our office for collections is not a hospital bill. It is a physicians bill that originated with ****************.  medical group for services provided on 05/07/2017.On October 07, 2022, our office received written correspondence from ****************, via certified mail, stating the letter is being sent in response to a collection placed on his credit report and is requesting we provide validation of the debt. Our office obtained validation of the debt on October 13, 2022, which was then forwarded to ****************,  as requested. 

  We will continue to note the account as disputed. If you feel we can be of further assistance, do not hesitate to contact our office. 

  Respectfully,

  *********************************,
  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:01/19/2023

  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.

  NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

• Initial Complaint

  Date:01/16/2023

  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.

  This company is a third-party biller from an emergency room service that I took my minor child in for emergency services. I was under the impression that because of the Title I of the Consolidated Appropriations Act of 2021 as well as the Texas Senate Bill 1037 that was passed that medical bills were not to be reported on my credit report. Also, I believe in one of those laws that were passed, if I went to an IN network facility and an OUT of network physician provided services that the company is supposed to settle with my private insurance (which was not attempted at all, assuming because the company knew they were out of network). This came out on my credit report TWO weeks before I was closing on a home. It dropped my credit score 100 points. I had already called the hospital which I took my minor child for services to begin to pay off the balances which they were all cleared since she qualified to have the balances cleared. This company has not abided by and honored that. This hurt my credit score drastically and hurt me when I was in the process of making one of the most important purchases of my life. I have tried to dispute several times on my credit report and was finally advised these steps. The laws passed represents a major step in protecting consumers and it has not been followed by this company.

• Initial Complaint

  Date:01/16/2023

  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 EAST ***** **** ***** *** *** and I do not have a contract with COMMONWEALTH FINANCIAL. I have attempted to resolve this issue with the debt collection agency. ******* was able to delete the previous disputed address as it was not attached to me ******* Conformation#**********. They did not delete the collections account that is also attached with the address. also did not provide the original application as previously requested.Collection agency: COMMONWEALTH FINANCIAL opened: Aug 08, 2022 Original creditor: EAST ***** **** ***** *** *** Balance: $882.00

  Business Response

  Date: 02/06/2023

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

  Dear *******,

  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of Complaint ********, sent 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. 
  
  The account in question was validated on 01/27/2023 as part of a reasonable investigation resulting from s previous disputes on the account, and the investigation determined  we were attempting to collect the debt from the correct consumer.  We will continue to note the account as disputed. Should ************************  have  documentation or information  supporting  she isn't responsible for the debt,  we encourage such evidence be provided to allow us to more fully investigate the matter with our client. She can mail this information directly to our office at: Commonwealth Financial Systems, Inc., 245 Main Street, Dickson City, PA 18519, -  or,  email it to:  [email protected]. We ask that the CFSI Acct #  be documented on all correspondence to prevent any delays.
  
  Respectfully,
  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