ComplaintsforCommonwealth Financial Systems, Incorporated

• Initial Complaint

  07/28/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I dispute any liability for the alleged debt with ********* ********** ** *******. I have not entered into any contractual agreement with COMMONWEALTH FINANCIAL SYSTEMS. As a matter of my rights under the Fair Debt Collection Practices Act (FDCPA) and other applicable laws, I had previously requested the original contract from them but they failed to provide it.

  Business response

  08/09/2023

  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 is the result of medical services provided by ********* ********** ** ******* ******* on 12/05/2018. In compliance with Regulation F of the CFPB’s Debt Collection Rule, prior to credit reporting, our office sent consumer electronic notification of the debt on 02/01/2023.  We then waited fourteen (14) days, the reasonable period 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 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 CF Medical 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. 
  

  Customer response

  08/15/2023

  [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:

  I dispute any liability for the alleged debt with  ********* ********** ** ***************. I have not entered into any contractual agreement with Commonwealth Financial Systems, Inc. (CFSI). As a matter of my rights under the Fair Debt Collection Practices Act (FDCPA) and other applicable laws, I had previously requested the original contract from them but they failed to provide it.
  
  I kindly request that the necessary measures be taken to rectify my credit report. It has come to my attention that Commonwealth Financial Systems, Inc. (CFSI) has officially confirmed their disassociation from the management of the aforementioned account. In light of this information, I am formally requesting the removal of said account from my  credit report. Your prompt attention to this matter would be greatly appreciated. Thank you.
  
  Regards,
  
  ***********************

• Initial Complaint

  07/26/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company is going against credit laws tremendously. 1.I have never had an account with this company COMMONWEALTH FINANCE, REMOVE from all credit agencies from reporting. 2.“consumer” means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code §1692a (3) 3.This letter is in pursuing 15 U.S. Code §1692c (c) Ceasing communication 4.I am the “consumer” mentioned in 15 U.S. code §1692a (3) You are COMMONWEALTH FINANCE the debt collector 15 U.S. Code1692a (5) I am invoking specified remedies under use 15 U.S. code §1692c (c) (2) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code §1692c (c) (1) 5.I am the executor under the 15 U.S. Code §1692c (d) pursing to 15 U.S. Code §1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) (2) and (4) 6.According to 15 U.S. Code §1962e (8) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code §1692e (12) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code §692f Unfair practices (8) 9.While pursuing to §1692g (b) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code §1692k Civil Liability (a) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of— (1) (2) (A) (B) (3)

  Business response

  08/02/2023

  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

  07/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Commonwealth Finance is reporting a debt that should not be reporting as a collection account on my credit file. I have filed for financial aid with the hospital directly, therefore they need to remove/fix these collections on my credit.

  Business response

  08/09/2023

  RE CFSI ACCT# *********;*********;*********
  
  Dear *******,
  
  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of ***************************. The above referenced accounts were 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.
  
  Commonwealth Financial Systems, Inc. (CFSI) is a third-party collection agency that collects on behalf of our clients, most of whom are medical debt buyers. The accounts in question are the result of medical services provided by ******** ********* ********, the original creditor of the account. ******** ********* ******** later sold/charged off the original debts to our client after they had become seriously past due. Our client, acquiring all ownership rights upon purchase, including the rights to collect on the accounts, has assigned the accounts to our office for collection.
  
  In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent consumer electronic notification of the debts on 07/03/2023.  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 accounts were sent to be credit reported. The supporting documents were forwarded to consumer. We will continue to note the accounts as disputed and have informed the current creditor of consumer's dispute.
  
  Should ************** have documentation showing proof of coverage for relevant dates of service, we will gladly forward it on to our client for review. This information can be mailed to: Commonwealth Financial Systems Inc., 245 Main Street, Dickson City, PA 18519; -or emailed to: [email protected]. . 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

  07/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I’m not liable for this debt with commonwealth financial. I do not have a contract with commonwealth financial. They did not provide me with the original contract as I requested.

  Business response

  07/28/2023

  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 06/12/2023.  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. This information can be mailed to our office at 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

  07/13/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with COMMONWEALTH FINANCIAL SYSTEMS. I do not have a contract with the collection agency. They did not provide me with original contract as requested.

  Business response

  07/28/2023

  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 as part of a reasonable investigation and was 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 07/26/2023. We will continue to note the account as disputed and have informed the current creditor of consumer's 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.

• Initial Complaint

  07/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ********* ********** of ******. I do not have a contract with Commonwealth Financial Systems, Incorporated, they did not provide me with the original contract as I requested.

  Business response

  07/26/2023

  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 accounts 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 it to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debt.
  
  In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent consumer electronic notification of the debt on 02/01/2023.  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. We also requested additional documentation from the current creditor and will forward this information to consumer upon receipt.
  
  We will continue to note the account as disputed and have informed the current creditor of consumer's dispute. 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. This information can be mailed to our office at 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

  07/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt from ***************** ******** ****. I do not have a contract with Commonwealth Financial Systems Inc., they did not provide me with the original contract as requested.

  Business response

  07/27/2023

  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 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 referenced in complaint is a medical debt that originated from emergency physicians' services rendered on 06/02/2019 to a minor child by a member of the ********* ******* **** ****, the original creditor of the account. ********* ******* **** **** later closed/charged off the account to our client, ******** ***************** ***, who has assigned the account to our office 02/06/2023. 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 7/20/2023.
  
  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

  07/09/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

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

  Business response

  07/24/2023

  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 as part of a reasonable investigation and was 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 07/17/2023.We will continue to note the account as disputed and have informed the current creditor of consumer's 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.
  

• Initial Complaint

  07/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ****** ********* *** *** pa. I do not have a contract with commonwealth finance. They did not provide me with the original contract as requested.

  Business response

  07/24/2023

  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 is the result of medical services provided by ****** ********* *** *** ** on 03/20/2018. In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent consumer electronic notification of the debt on 09/12/2022. We then waited fourteen (14) days, the reasonable period 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 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

  07/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable/responsible for this debt with ******** ********* *********, I do not have a contract with Commonwealth Financial Systems. They did not provide me with the original contract that I have requested.

  Business response

  07/21/2023

  RE CFSI ACCT# *********
  
  Dear *******,
  
  Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint # ******** on behalf of *****************************. Please be advised, Commonwealth Financial Systems, Inc. is 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 as part of a reasonable investigation and was 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 07/17/2023. We will continue to note the account as disputed and have informed the current creditor of consumer's 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.

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