Commonwealth Financial Systems, Inc

2019-09-25

Cloverleaf, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-09-24

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: This letter is regarding account You claim I owe {$990.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-09-24

Houston, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-23

Philadelphia, PA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: A debt was entered onto my Credit report on XX/XX/2019 in the amount of {$510.00}. The Creditor was COMMONWEALTH FINANCIAL. I was not notified by mail, email or phone by the creditor to validate the debt. I mailed COMMONWEALTH FINANCIAL a certified letter with signature service requesting more information on the validity of the said debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I have not received any requested documentation from COMMONWEALTH FINANCIAL.
Company Response: Closed with explanation

Timely Response

2019-09-23

Lk Buena Vis, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-09-22

Baytown, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-09-20

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: Debt was created not under my authorization account XXXX amount XXXX and account XXXX amount XXXX. I believe both were already disputed as not being my services and removed. As on XX/XX/XXXX account showed back up on my credit history. I have went through I identify theft in the year of XXXX were all information was lost such as id and social security.Taxes were filed and apparently other services used under my name which lead to identity pin being used each year to file taxes. I need these account removed for good due to debt not belonging to me!!!
Company Response: Closed with explanation

Timely Response

2019-09-20

FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I have been tracking my credit on XXXX XXXX for a couple of years now so that I can work to improve my score. I was in good standing until this morning when I got a notification from XXXX XXXX that there was a change to my Credit score. Out of nowhere, there are now TWO collections showing up on my report from Commonwealth Financial OPENED ON XX/XX/2019 for medical services. I have not had any medical services from these businesses for almost 7 years! There should be no reason why Commonwealth Financial is opening it as BRAND NEW collections! I have read numerous complaints about Commonwealth Financial scamming people, not settling, and ruining their credit. They use very old debt ( 5 years or more ) and REOPEN it as a brand new debt collection! This is extremely wrong and FRAUDULENT. I have no problem settling any debt that I owe, but I refuse for my Credit Report to suffer over inaccurate and fraudulent activity!
Company Response: Closed with explanation

Timely Response

2019-09-20

Houston, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-20

Brentwood, TN

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-09-18

Kansas City, MO

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-09-17

Balch Springs, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-09-17

PA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: Receive notice of debt in mail, letter dated XX/XX/2019 before I even tried to dispute it, it is on my credit report. Its a hospital bill that my ins company has no report of.
Company Response: Closed with explanation

Timely Response

2019-09-16

Cadwell, GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: I got pulled over and went to XXXX and found out someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID I went to court. Release I went to XXXX for two weeks because someone was using my credit I even have court documents
Company Response: Closed with explanation

Timely Response

2019-09-15

Montevallo, AL

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: COMMONWEALTH FINANCIAL IS IN VIOLATION OF 15 USC 805. Communication in connection with debt collection. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I NEVER RECEIVED ANY TYPE OF NOTICE FROM THEM COMMONWEALTH FINANCIAL ASKING FOR CONSENT TO CONTACT ME NOR DID I RECEIVE ANY LETTER FROM THEM GIVING ME THIRTY DAYS TO DISPUTE THE DEBT. 15 USC 1692e 807. False or misleading representations.A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this.COMMONWEALTH FINANCIAL WITHOUT MY PERMISSION CREATED AN ACCOUNT IN MY NAME AND REPORTED MY SOCIAL SECURITY NUMBER, NAME, ADDRESS, WITH A FALSE AMOUNT AND WITHOUT AA CONTACT.THEY STOLE MY IDENTITY AND THIS IS A {$1000.00} VIOLATION.
Company Response: Closed with explanation

Timely Response

2019-09-15

Bedford, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: I have disputed these accounts numerous times through XXXX and XXXX as the negativity that has impacted my score has been false from the start. I have talked to each collection agency listed and have recorded conversations of them stating apologies for the errors and that they will be removed however ; they have only followed through with XXXX and not XXXX. I have no negative items on my XXXX but they have done nothing to XXXX besides removal of a few accounts but, they have added accounts in their place, ones where insurance, XXXX, XXXX and my Supplemental insurance company has already paid these claims. I need help as I have disputed these numerous times. Below are the companies that are not in following through with what they have agreed to do. NEGATIVE INFORMATION > COLLECTION. XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX
Company Response: Closed with explanation

Timely Response

2019-09-15

FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: On XX/XX/2019, I received a derogatory mark on my credit report for supposedly failing to pay {$1700.00} for an emergency room visit from XXXX XXXX XXXX XXXX XXXX. The collection agency is COMNWLTH FIN and I told them this has to be a mistake because I haven't been to an emergency room for over 5 years and I never got any explanation as to what these charges are for. Also, they have recently changed the amount that they said I owed. It originally was at around {$900.00} ( if I remember correctly ) and then months later it jumped to {$1700.00}. This has lowered my credit score and made it very hard for me to get credit for my small self employed business. I am helping to raise XXXX kids with my girlfriend and I can't afford to pay a debt that is either from 6 or 7 years ago but is just now being reported or that isn't mine at all! So far they have not been able to explain to me specifically what these charges are for.
Company Response: Closed with explanation

Timely Response

2019-09-15

Silver Spring, MD

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-15

NC

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: i do not live in that state and have not lived in that state for years or at any time the charges incurred. I have no knowledge nor have i approved this debt. my landlord will honestly vouch for me and so will my boss. it is impossible for me to have obtained this debt. please remove this debt and any others from that state.
Company Response: Closed with explanation

Timely Response

2019-09-14

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: To Whom It May Concern, The reason for my dispute is COMMONWEALTH FINANCE # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, COMMONWEALTH FINANCE # XXXX**** failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) COMMONWEALTH FINANCE # XXXX**** failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA , with {$1000.00} per violation COMMONWEALTH FINANCE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where COMMONWEALTH FINANCE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.COMMONWEALTH FINANCE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Company Response: Closed with explanation

Timely Response

2019-09-14

Sugar Land, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-13

FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I need to have my alleged debt with COMMONWEALTH FINANCIAL SYSTEMS addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.
Company Response: Closed with explanation

Timely Response

2019-09-13

Three Point, KY

Written notification about debt

Debt collection: I do not know

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2019-09-13

PA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I have payed this debt in full over a month ago and they're still contacting me and have put derogatory marks on my credit.
Company Response: Closed with explanation

Timely Response

2019-09-12

MD

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: A collection account appeared on my credit report. I have never received a bill or a phone call pertaining to this medical bill. I am under both my parents medical insurance XXXX XXXX and XXXX. XXXX is my primary. That insurnace fall under XXXX XXXX and XXXX XXXX fall under my mother XXXX. Both insurances are active. I am requesting that this be removed immediately from credit report and if there is a payment due that they seek payment from the insurance company COMNWLTH FIN Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/2019 Balance Date : XX/XX/2019 Balance Amount : $ XXXX Monthly Payment : High/Limit : {$620.00} Account Status : Collection Past Due Amount : {$0.00} Comments : COLLECTION ACCOUNT ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT
Company Response: Closed with explanation

Timely Response