Commonwealth Financial Systems, Inc
Consumer Complaints
There are over 2538 complaints on file for Commonwealth Financial Systems, Inc. Dated between 2019-12-12 and 2013-07-29.
Complaints Page 10
2019-06-30
Orange, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-06-30
Macclenny, FL
Communication tactics
Debt collection: Medical debt
Frequent or repeated calls
Complaint: COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX They call 3 to 4 times a day, they do not leave a message, they call from various numbers, all Mississippi area codes, yet they are in an overseas call center. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX at all times of the day. The one time I did speak to them in XX/XX/2018, they refused to say who they were until I told them my name. I told them I did not have a job at the time and I could not pay and then a " manager '' came on the phone and just kept asking me for a payment plan and a credit card number. I told them at that time to stop calling me. They refuse to stop calling me.
Company Response: Closed with explanation
2019-06-29
Oxford, GA
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: This company i have no knowledge or business with ever is trying collect a dept i have no contract with nor there affiliate
Company Response: Closed with explanation
2019-06-28
City Of Sunrise, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-28
Tampa Palms, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Company Response: Closed with explanation
2019-06-28
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-28
Mabank, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I call commonwealth financial to talk about why I had a collection. I did not receive A itemized list for what they say services I owe. I did not receive treatment from this facility. They do not have proof or a signature stating these service were indeed rendered to me. I disputed with them before and have yet received proof. They have not validated or verified that it is my debt. They hung the phone up in my face while I was trying to resolve the issue in a respectful manner. It should be on a recorded line. This would be considered verbal and communication abuse. I am asking that the be held responsible for there wrong doing and the collection be removed from my credit report asap. Please have them send me all bills, itemized list, my signature, any documents that may verify or validate this debt. If they do not have these all items they must be deleted from the credit report he also lied about what hospital it was from he said XXXX once I told I had not been to XXXX hospital he then said thats not what he said. I also would like a copy of their license to collect in the state of Texas.
Company Response: Closed with explanation
2019-06-28
Reeds, MO
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: The original Creditor, YEARS AGO, was XXXX XXXX XXXX. The debt has been sold over and over again, therefore eliminating my obligation to pay and relinquishes my debt. Most recently, it was REMOVED from my credit on XX/XX/2019 under the creditor, XXXX. It was then immediately added BACK to my credit report under the creditor cfsi aka Commonwealth Finance. Reflective on both XXXX and XXXX.
( See attached screenshots ) XXXX : XXXX ( XXXX XXXX XXXX ) - {$910.00} I DO NOT owe this debt! Origination date is nearing if not surpassed 7 years.
Company Response: Closed with explanation
2019-06-27
Lake Ridge, VA
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-06-27
MO
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I obtained my yearly free credit reports from all 3 credit bureaus and noticed Commonwealth Financial listed. I disputed them and had them removed but they have since reported yet again and used a new date to prolong the report on my file. I have no knowledge of this debt and have never received correspondence from them in the mail regarding this debt. Each time they report the debt to the agency my score goes down. They were removed recently in XX/XX/2019 from XXXX and immediately reported to XXXX directly after being removed from XXXX. They need to be immediately investigated for their practices
Company Response: Closed with explanation
2019-06-27
Lewisville, TX
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: On XX/XX/19 I received a credit alert regarding 4 collection accounts reported on my XXXX report - these had been placed fraudulently on my credit files when the XXXX breach occurred 2 years ago. I was able to remove them after about 3 months of fighting and using resources I found here to use the proper wording to get them to actually verify the validity now 2 years later another company named Commonwealth Financial reported the exact same fake medical collection accounts - XXXX would not let me dispute or access any records online. I had to do it over the phone and they told me on XX/XX/19 they would never be able to restore my online access. So they sent me an email on XX/XX/19 stating the disputes were processing and should expect an update around XX/XX/19, instead I received an email to log into my account, my dispute results were completed- of course I cant access them online, so I called and they said they verified the fraudulent, illegally re-aged, medical collection accounts with Commonwealth on XX/XX/19. Impressive they were able to verify info that could not be verified as it is and was never mine. They said if I purchase their online monthly monitoring service for XXXX $ per month I would be able to access the info online and use their tools to dispute the dispute results and have access to their credit repair specialist.
Company Response: Closed with explanation
2019-06-27
New Market, AL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: There is a collection account that shows up on my credit report every 3 to four months which damages my credit report.I have had this same collection account removed from my reports three times already.This latest company has posted it to my credit report again dropping my credit score. I now have gotten a notification from the bureau saying it has been flagged as seriously overdue.
Company Response: Closed with explanation
2019-06-27
Lewisville, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: On XX/XX/XXXX Commonwealth Financial placed 4 medical collection accounts on my credit bureaus- I only found out these were placed by alerts from monitoring services. No attempt to validate was made by Commonwealth Financial. These same 4 accounts were posted on my credit for the 1st time in XXXX after the XXXX breach. It took a month or two for them to be removed so imagine my shock when my almost 3 years later these collection account reappear under another name and with new dates that Ive read here is called illegal re aging of accounts in order to extort pay for deletion or payment of fraudulent debt by Commonwealth Financial holding the threat of ruining your life again unless you pay regardless of debt validation. So far my insurance renewal rate increased, loans and credit line increases were denied and just in these few short days have incurred great financial terror via Fico scores tanking nearly 100 points and have only been able to get 2-3 of the 4 Commonwealth collection accounts from the same hospital system removed from XXXX and XXXX, XXXX refused to investigate- Ive opened a separate complaint for them. Suddenly the accounts now show flagged for collection by Commonwealth Financial and no further validation is required from them so it stays without any chance of disputing the dispute results. When I contacted XXXX at Commonwealth Financial he had no personal information about me and was asking me to give my social security number and other personal information- I said I would verify what he had with no problem but wouldnt just provide. He said I could pay for deletion and a lot of his clients do that regardless of being their debt or not just to clean up their credit and quickly restore their scores with letters that he would email me from them to provide all creditors etc stating it was a mistake and been removed from my credit and risk files. I didnt entertain the offer because I had faith in the system that it would be caught as an illegally re aged, illegal validation to the credit bureaus stating debt was valid, because they were found to be fraudulent in XXXX from these same credit bureaus- sadly its not the case, just a bunch of offers from all 3 bureaus to get credit repair help, speedy disputes, access to legal dispute processes and form letters if I subscribed to their monthly monitoring services ranging from {$19.00} to {$39.00} per month per bureau. As you can see by the attachment even the credit bureaus show date opened unknown and just 4 days ago were reporting XX/XX/XXXX as date placed for collection even though the credit bureaus didnt receive the data until XX/XX/XXXX
Company Response: Closed with explanation
2019-06-27
VA
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: XXXX I disputed it it was taken out of my credit amount of {$620.00} I do not know where this collection amount came from never been to the office or nor do I know where it is located at my documents where missing XXXX my ID card and bank card at that time. Now they report it again on my credit.
Company Response: Closed with explanation
2019-06-26
Lox, FL
Communication tactics
Debt collection: Medical debt
Frequent or repeated calls
Company Response: Closed with explanation
2019-06-26
Mabank, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Both Commonwealth Finance and XXXX XXXX XXXX are both reporting my old debt of about 4 to 5 years ago as new account and both are showing up on my credit report.
Company Response: Closed with explanation
2019-06-26
FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: Around the beginning of XX/XX/XXXX I received a letter from Commonwealth regarding 3 medical bills dated XX/XX/XXXX in the amount of {$58.00}, XX/XX/XXXX in the amount of {$360.00}, and XX/XX/XXXX in the amount of {$110.00}. As I was unaware I had any existing medical debt and I had no knowledge of what these bills were for ( and still do not as to this day ) I requested Commonwealth send me the original bills and paperwork proving I am financially responsible for these medical bills and that they are even mine, these were from XX/XX/XXXX. Eventually Commonwealth mailed me paperwork, but the paperwork were documents they created. None of the paperwork they provided was original, anyone could have gone on a computer and created these documents. Even at the top it is there letter head. I contacted them and requested additional information as what they provided was what they created and not original bills, in fact their created documents listed insurance but there are no details providing specifically what was paid it was just some random number they created on their documents at the end what I supposedly owe. The credit collection company is refusing to provide me with original documents to show that I am in deed responsible for these so called bills. Again I can't stress enough they created their own documents to send me, nothing is original. I have attached those documents. I would like assistance with having these bills removed from all 3 credit bureaus.
Company Response: Closed with explanation
2019-06-26
Tampa, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: This medical bill is not mine. I have contacted several times and asked to see a billing record. It was never sent and XXXX actually removed this during my dispute.
Company Response: Closed with explanation
2019-06-25
Wesley Chapel, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: COMMINWEALTH IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAV AN ACCOUNT ON MY CREDIT REPORT. THATS NOT MINE.
Company Response: Closed with explanation
2019-06-25
GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Please be advised that under Federal Statutes, The Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and Georgias Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. You may be held liable for the actions of XXXX XXXX XXXX XXXX
Please note that the these liabilities are under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition.
( A ) Reporting information with actual knowledge of errors.
HIPAA and Georgias Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act as issued 11/30/2009 and the Omnibus Final Rule effective 09/23/2013 and the FACT Act final rules effective July 1, 2010 are in effect in this situation.
The Privacy Rules prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
In general, PHI encompasses substantially all individually identifiable health information that is transmitted or maintained in any medium. Individually identifiable health information includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individuals physical or mental health or condition, including information related to an individuals care or the PAYMENT for such care.
Your furnishing of my account information to COMMONWEALTH FINANCIAL is not in compliance with HIPAA, or Georgias Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( HIPAA ).
I am requesting you promptly rescind all such account information furnished, by XXXX XXXX XXXX XXXX and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports.
You are also advised that you may be in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act.
I am reserving the right, to take appropriate legal and civil action including reporting to any applicable regulatory authorities any lack of cooperation or compliance with this request.
I hereby waive my rights under HIPAA and any State Privacy Act for the single purpose of your transmission of this request and accompanying documentation in any required report you must make to your E & O insurance carrier.
Company Response: Closed with explanation
2019-06-24
Cleveland, OH
Took or threatened to take negative or legal action
Debt collection: Medical debt
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2019-06-24
Newnan, GA
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-21
Washington Green, CT
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: Common Wealth Finance opened a new account on my XXXX credit report on XX/XX/XXXX in the amount of {$1100.00}. I never received any communication from these people and I had no idea what the debt was about. I disputed it with XXXX and it only took 2 days for them to come back and say the debt was valid. I called XXXX because these people have no phone number, or even telling me what this debt is on my credit report. I requested copies of the original bill from XXXX and they told me they would have to request from Common Wealth for me, but yet the debt is valid. I don't understand that one. I was told it was an old medical bill from XXXX that I disputed already twice years ago and the debt was dismissed. I don't think it is right for someone to say I owe this debt now, open a brand new account in a new year after its already been dismissed over 3 years ago. I never received any communication from these people.
Company Response: Closed with explanation
2019-06-20
Lox, FL
Communication tactics
Debt collection: Medical debt
Frequent or repeated calls
Company Response: Closed with explanation
2019-06-20
Berkeley Lake, GA
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation