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ComplaintsforCommonwealth Financial Systems, Incorporated
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Complaint Details
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Initial Complaint
07/06/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
JAN 9, 2023 COMMONWEALTH FINANCIAL CLAIMS TO HAVE THE RIGHT TO COLLECT ON A $2066 DEBT FOR ******* ***. ******* *** DOES NOT HAVE MY SIGNED CONSIST TO REPORT THIS UNVERIFIED DEBT ON MY REPORTS PER 12 CFR 1006.34 REGULATION F OF THE CFPB. AS I HAVE DONE MY RESEARCH I UNDERSTAND COMMONWEALTH CLAIMS TO ONLY BE A DEBT COLLECTOR AND NOT BUYER AND UNDERSTAND THEY ARE NOT IN VIOLATION OF HIPAA FOR DOING SO BUT THEY ARE IN VIOLATION OF HIPAA FOR NOT HAVING MY SIGNED CONSENT. ******* *** HAS NOT SENT ME THE APPROPRIATE DOCUMENTATION TO NOTIFY ME THAT COMMONWEALTH WOULD BE COLLECTING ON THE DEBT. COMMONWEALTH HAS NOT SENT ANY TYPE OF INITIAL COMMUNICATION OR NOTIFICATION THEY WOULD BE REPORTING DEROGATORY INFORMATION ON MY REPORTS PER THE FCRA. PLEASE DO NOT RESPOND WITH YOUR GENERIC RESPONSE AS I HAVE READ ALL OF THEM AND I KNOW I HAVE A RIGHT TO PRIVACY AND THE RIGHT TO HAVE THE DEBT VALIDATED. PLEASE REMOVE THIS UNLAWFUL ACCOUNT FROM MY REPORTS AS I ALREADY HAVE MY CORRESPONDENTS READY TO SEND TO MY STATES ATTORNEY GENERAL, THE DEPARTMENT OF JUSTICE, AND CIVIL RIGHTS GROUPS IN MY AREA TO HELP ME GET THIS UNLAW INFORMATION REMOVED MY REPORTS.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.
•Please be advised, the HIPAA law permits creditors to share information with its Business Associates necessary to collect on medical debt. The HIPAA rules require that covered entities and business associates enter into contracts to ensure protected health information is appropriately safeguarded. Commonwealth Financial Systems, Inc. operates under a Business Associates Agreement with our client which certifies that we agree to not share private health information with anyone other than the consumer, or authorized party, and we further agree to keep records secure. Our company has been fully compliant with HIPAA requirements concerning privacy of medical records.
•The account in question is the result of medical services provided by ******* ********* ***** on 07/27/2018. 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.
•As per consumer's request, we will cease and desist collection activity in relation to the debt and return it to our client, informing them Commonwealth Financial Systems will no longer be servicing the account. 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 collectorInitial Complaint
07/05/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with ****. I do not have a contract with COMMONWEALTH FINANCIAL collection agency and they did not provide me with the original contract as requested.Business response
07/20/2023
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 07/14/2023. 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
07/05/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
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.Business response
07/20/2023
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 collectorInitial Complaint
07/04/2023
- Complaint Type:
- Order Issues
- Status:
- Resolved
I am not liable for this debt with ******** ********* ******** **, and do not have a contract with COMMONWEALTH FINANCIAL SYSTEMS INC. They did not provide me with the original application like I asked.Business response
07/19/2023
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 ***** 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 have forwarded this information to consumer.
Please be advised Commonwealth Financial Systems is no longer servicing the referenced account, as it was closed in our office on 07/11/2023 and scheduled to be returned to our client. A deletion request to remove the tradelines from credit reporting was submitted to the credit bureaus directly thereafter. Sincerely, *****************************, ********************** **This is a communication from a debt collector.Customer response
07/20/2023
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
06/30/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with ************************* **** ***********, I do not have a contract with Commonwealth Financial Systems, Inc, they did not provide me with the original contract as I requestedBusiness response
07/18/2023
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 05/24/2023. 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.
We also requested additional documentation from the current creditor and have forwarded 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 he 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
06/30/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with commonwealth financial systems, incorporated.I dont not have a contract with Commonwealth Financial Systems, Incorporated.They did not supply with the original contract as requestedBusiness response
07/12/2023
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 07/07/2023. 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
06/29/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with Commonwealth Financial Systems. I do not have a contract with Commonwealth Financial Systems. They did not provide me a contract with my signature as I requested. Not only that, but they are reporting a $910 medical debt on my credit report under 3 different account numbers totaling in 3 collection reports on my credit report. All without providing me any verification proof other than a Drs name. Account numbers are as follows - ******XXXXXX, ******XXXXXX, ******XXXXXX Not only are they inaccurately reporting this debt on my credit report under 3 different accounts, their response when I asked for verification was a violation of HIPAA.Business response
07/12/2023
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.
The accounts in question are the result of medical services provided by ****** ********* ********** ********* **. There are three accounts ********************** references in complaint. Each account on record is linked to it's own service date and are not duplicates.
In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent consumer electronic notification of the debts. 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 accounts were sent to be credit reported. A billing statement was then provided by the current creditor and forwarded to consumer for all three separate accounts.
•Please be advised, the HIPAA law permits creditors to share information with its Business Associates necessary to collect on medical debt. The HIPAA rules require that covered entities and business associates enter into contracts to ensure protected health information is appropriately safeguarded. Commonwealth Financial Systems, Inc. operates under a Business Associates Agreement with our client which certifies that we agree to not share private health information with anyone other than the consumer, or authorized party, and we further agree to keep records secure. Our company has been fully compliant with HIPAA requirements concerning privacy of medical records.
We have marked the accounts as disputed by consumer and, in accordance with the Fair Credit Reporting Act (FCRA), a request to update the tradelines for the accounts to disputed was submitted to the credit bureaus. We will continue to note the accounts 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
06/29/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with *** ** ******** ********** i do have a contract with COMMONWEALTH FINANCE.they did not provide me with the original contract as i requested.Business response
07/10/2023
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
06/27/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I received information from you attempting to collect an alleged debt with account number *********** . YYour initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where’s my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. If you fail to comply with this complaint, I may turn the matter over to an attorney.Business response
07/05/2023
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 response
07/06/2023
[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 have given the information on my credit report i want this account deleted immediately the last four number of ss# is ****
Regards,
***********************Business response
07/17/2023
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.
•Please be advised, the HIPAA law permits creditors to share information with its Business Associates necessary to collect on medical debt. The HIPAA rules require that covered entities and business associates enter into contracts to ensure protected health information is appropriately safeguarded. Commonwealth Financial Systems, Inc. operates under a Business Associates Agreement with our client which certifies that we agree to not share private health information with anyone other than the consumer, or authorized party, and we further agree to keep records secure. Our company has been fully compliant with HIPAA requirements concerning privacy of medical records.
The account in question is the result of medical services provided by ************ ***** **** LLC on 11/13/2016. In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent consumer notification of the debt. We then waited fourteen (14) days, the reasonable period as defined by the ***** 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.
•As per consumer's request, we will cease and desist collection activity in relation to the debt and return it to our client, informing them Commonwealth Financial Systems will no longer be servicing the account. 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 collectorInitial Complaint
06/25/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with **************** **** Pllc, I do not have a contract with COMMONWEALTH FINANCE, they did not provide me with the original contract as I requestedBusiness response
07/05/2023
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.
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Customer Complaints Summary
191 total complaints in the last 3 years.
30 complaints closed in the last 12 months.