Commonwealth Financial Systems, Inc

2019-09-11

Bellevue, TX

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: Date XX/XX/XXXX Amount XXXX I am just recently seeing this false statements on my credit as I was trying to get things done and noticed this has effected my life my family and stress level is through the roof. Date XX/XX/XXXX Amount XXXX Date XX/XX/XXXX Amount XXXX This has really been a lot on me and I'm asking for this to be removed off my credit
Company Response: Closed with explanation

Timely Response

2019-09-11

Aledo, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: In XX/XX/XXXX, Commonwealth Financial Systems reported a negative medical debt that was sent to collections before the original Debt owner XXXX XXXX XXXX XXXX secured payment from my medical Insurance provider who paid the medical bill in XX/XX/XXXX. The amount posted on my XXXX and XXXX credit report states that I am delinquent to the debt of {$700.00}. This was clearly paid and annotated on my medical Explanation of Benefits statement dated XX/XX/XXXX. After repeatedly disputing this with the two mentioned CRA, The Debt collection Agengy ( Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX PA XXXX ) replied without investigating that the amount reported on credit report is correct. I then contacted the original Debt reporter ( XXXX XXXX XXXX XXXX ) who sold the account to Commonwealth Financial System and was given another amount owed that is not correct. Requesting a bill, I then received billing statement with another amount different from the {$700.00} previous reported on my credit report. This information came from Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX PA XXXX in a letter shortly after I contacted XXXX XXXX XXXX XXXX. The information being reported is not correct and I have acquired enough documentation to show that XXXX XXXX XXXX XXXX is trying to collect money not owed that was paid by my insurance and the third party Collection agency is reporting this debt erroneously and using my credit report as a ransom to get me to pay what is not legally owed due to bad billing from the original debtor XXXX XXXX XXXX XXXX. I feel this tactic is to coerce me to pay something or I would otherwise have a negative comment on my Credit report until XX/XX/XXXX. I can send all documentations after I hear back and know I can trust a secure means to send it to your office.
Company Response: Closed with explanation

Timely Response

2019-09-11

IL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: This debt happened well over 5 years ago they changed the date after it was removed from my credit report
Company Response: Closed with explanation

Timely Response

2019-09-11

Jc, TN

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-09-10

Scottsdale, AZ

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: The following accounts have been re-aged creditors reporting the wrong open/collection date fraudulently making the account look like it's new than it truly is. Account Name Original Creditor Common wealth financial XXXX XXXX XXXX ( XXXX, XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX / Formally known as XXXX XXXX ( XXXX/XXXX ) XXXX XXXX ( XXXX ) XXXX ** XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX )
Company Response: Closed with explanation

Timely Response

2019-09-10

TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I received a letter in the mail about Commonwealth trying to collect a debt in the amount of {$920.00} back in XX/XX/XXXX. After I received the letter I responded in telling the agency that I didnt recall using medical services and if they could verify then I would pay the alleged debt. ( Some kind of contracts, signatures ) Commonwealth responded back XX/XX/XXXX with itemized statement, which I didnt think was appropriate. I then contacted the credit bureaus ( XXXX, XXXX, XXXX to notify of dispute. In XX/XX/XXXX I received a letter from XXXX stating the debt was updated. I then responded with a letter to determine method of verification from XXXX & also Commonwealth. XX/XX/XXXX XXXX sent me a letter and Commonwealth had been deleted from my credit report. Commonwealth is now as of XX/XX/XXXX trying to collect on this debt and has not verified this debt with me or the bureaus. I am also suppose to be notified of information that was once deleted off of my credit file. Commonwealth has also changed information with collection I will also send documentation to support my claim. In my new credit report they are not reporting the same nor correct information.
Company Response: Closed with explanation

Timely Response

2019-09-09

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-09

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-09-09

Kansas City, KS

Incorrect information on your report

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

Information belongs to someone else
Complaint: these 3 company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.
Company Response: Closed with explanation

Timely Response

2019-09-09

FL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Common Wealth Financial System Inc XXXX XXXX XXXX XXXX XXXX, PA XXXX Derogatory credit on my credit report. I sent letter XX/XX/2019 asking for documentation of debt. I was not provided any information or original documentation including bills etc. I am unsure of what this creditor is referring to and need proof of legitimacy. If company can not provide documentation I would request it be removed from my credit immediately.
Company Response: Closed with explanation

Timely Response

2019-09-08

Crowley, TX

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-09-06

Lebanon, TN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-06

Missouri City, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-06

Hotchkiss, CO

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-09-03

Orange, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-03

Hazlehurst, GA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-09-02

Northbush, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-02

Key Biscayne, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: As stated in Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments ; OID is a form of interest. It is the excess of a debt instruments stated redemption price at maturity over its issue price ( acquisition price for a stripped bond or coupon ). XXXX coupon bonds and debt instruments that pay no stated interest until maturity are examples of debt instruments that have OID. As stated in Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments ; The term debt instrument means any instrument or contractual arrangement that constitutes indebtedness under general principles of federal income tax law ( including, for example, a bond, debenture, note, certificate, or other evidence of indebtedness ). It generally does not include an annuity contract. No contractual arrangement exists with said debt collector and it appears that said debt ( evidence of indebtedness ) was purchased pennies on the dollar from the previous Holder in Due Course/ Payor ; hence, said debt collector was not authorized to furnish private information or assume to be the Power of Attorney regarding myself ( Identity Theft ) ; Consequently, the debt is considered void. Nevertheless, it appears that said debt collector is persistent by way of said consumer credit report stating that a debt is owed. However, said evidence of debt constitutes indebtedness under general principles of federal income tax law. The debt collector is considered the Holder in Due Course/ Payor and are liable for the federally withheld amount of {$1600.00}, {$1400.00}, and {$1200.00}. Consequently, said debt collector has committed the following violations regarding said debt instrument ( s ) : failed to provide a 1099 OID regarding said debt instrument ( s ), failed to report income, failed to withheld tax, failed to file return, and failed to pay tax. it is impossible to furnish information to the Credit Reporting Agencies without first assessing the tax accordingly regarding said debt instrument ( s ) ; Otherwise it is evident that said debt collector knowingly participated in a transaction to effectuate criminal or fraudulent avoidance of tax liability. As the recipient of said debt instrument ( s ), I am being hindered from assessing said tax accordingly by way of form 1099 OID and 1040. Consequently, said debt collector has intentionally impacted ones credit worthiness negatively regarding said debt instrument ( s ) which is considered irrefutable proof that the debt collector does not respect the general principles of the federal income tax law. Attach you will find Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments, Pages 1 and 2 ; Emphasis on the following Definitions ( Circled ) : Original Issue Discount ( OID ) and Debt Instrument, Credit Report ( Emphasis on the highlighted area ) regarding proof said debt collector participated in a transaction to effectuate criminal or fraudulent avoidance of tax liability ; hence, does not respect the general principles of the federal income tax law. The following forms have been prepared accordingly and are on standby should any issue arise regarding said complaint in association with said debt collector : Department of the Treasury - Internal Revenue Service Form 3949-A - Information Referral and Department of the Treasury - Internal Revenue Service Form 211 - Application for Award for Original Information. All statements/ responses regarding said complaint will be forwarded to the Internal Revenue Service along with said forms in order to substantiate my complaint.
Company Response: Closed with explanation

Timely Response

2019-08-30

Phila, PA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-08-30

Sandy Hook, CT

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: COMMONWEALTH FINANCE of XXXX XXXX XXXX in XXXX, PA XXXX called me attempting to collect an alleged debt of {$660.00}. I spoke with a woman on XX/XX/2019 at number XXXX at XXXX XXXX approximately. The woman would not tell me what the debt was related to and demanded my social security number which I was not comfortable providing. I told this woman by phone that I would be sending the company a cease & desist letter and that they were to remove all negative reporting as they are not my original creditor and I do not wish to work with them. I sent this company a Cease & Desist letter that I had notarized immediately. I did make a copy of my notarized cease and desist letter should I need to provide proof. I am enlisting the CFPB to help ensure this company respects and acknowledges my cease and desist request and that they terminate all collection efforts. Most importantly that this company REMOVE ALL NEGATIVE reporting to XXXX, XXXX, and XXXX A/S/A/P as they are damaging my credit.
Company Response: Closed with explanation

Timely Response

2019-08-28

Church Point, LA

Incorrect information on your report

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

Public record information inaccurate
Complaint: I received a letter from XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX that was a notice of data breach. On date XX/XX/XXXX. Then on XX/XX/XXXX I received a letter from Commonwealth financial systems with a bill for XXXX for a so said debt from XX/XX/XXXX. I am currently on a payment program with XXXX installment dept. and XXXX emergency group to pay all things off from XX/XX/XXXX.The timing seams bad as well when I called Commonwealth at first they told me it was hospital charges and told them about my payment plans they changed to it was a DR bill.
Company Response: Closed with explanation

Timely Response

2019-08-27

Brook Park, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: There is a {$970.00} debt collection on my credit report. Originally the collector was XXXX XXXX XXXX. I disputed this through XXXX and it was removed from my credit. It is now showing up again with a different debt collector. I do not know what this debt is or why it has been passed off to a different collector after being removed once.
Company Response: Closed with explanation

Timely Response

2019-08-27

NJ

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: on XX/XX/19 i received a letter stating that i owed {$980.00} to the XXXX XXXX XXXX. I ask for any proof and they didn't have any. The customer service rep just knew that i went to this office on XX/XX/XXXX which i dont have any knowledge of being in that office nor i do not know the address of this location. this is super frustrating when i have no knowledge of this request.
Company Response: Closed with explanation

Timely Response

2019-08-26

Fort Lauderdale, FL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-08-26

Maricamp, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response