Commonwealth Financial Systems, Inc

2019-08-26

Port Arthur, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-25

Nashville, TN

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-08-24

FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I have disputed a collection on my credit file and they removed the collection from my file on XX/XX/XXXX and recently has been returned to collect from me for a medical reasons to which I have had my insurance that has covered everything for the last several years now and I have to be frank the company trying to recollect what you have already deleted from my file on XX/XX/XXXX is unnecessary and I have been told that my identity had been comprised and personal information about my identity had been used.
Company Response: Closed with explanation

Timely Response

2019-08-24

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To whom It May Concern : I obtain a copy of my credit file and found some errors. Please remove this from my credit file : 1. Company Name : XXXX XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Please validate by baring my signature
Company Response: Closed with explanation

Timely Response

2019-08-23

Miami, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-23

Lewisburg, TN

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-08-23

Kenneth City, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-08-23

Washington Green, CT

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I learned recently ( by an credit score alert service ) that COMMONWEALTH FINANCIAL SYSTEMS has entered a collections account with two of the three credit bureaus, bringing my credit score down by more than 200 points ( on the one I can monitor ) I have been working very hard to get my score where it was, for this to happen all of a sudden and out of the blue. They claim to be collecting {$1200.00} for XXXX XXXX XXXX XXXX, XXXX but I called them and after checking they assured me they have never had any account under my name. This has to be a mistake. I have disputed this with the credit bureaus, but they haven't ruled in my favor, so I am entering this complaint. I don't recognize this debt, they claim it was originated in XXXX but I haven't gone to the doctor 's and not paid in a long time! Years. I got sick in XXXX with XXXX XXXX syndrome and my health insurance company back then claimed it was a pre-existent condition and didn't pay any of my bills, so I had to default on my credit cards and left all my medical bills unpaid. I'm thinking this could have been originated back then, maybe, but ... I don't recognize the amount, nor the provider, and if somebody sent me to collections about this I was never notified or given the chance to work something out before they did it. I researched this debt collector and they have a long history of buying old debt and re-dating it to try to collect, I don't trust them one bit. I think this is a mistake, I don't owe this amount to these people, I am asking this to be erased from all my credit reports. Thank you.
Company Response: Closed with explanation

Timely Response

2019-08-22

TX

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: In violation of the Fair Debt Collection Practices Act, Commonwealth Financial just reported two collection accounts ( {$1700.00} & {$950.00} ) on my credit report without first supplying me with a 30-day notice to dispute. If I had received the proper notification, I would have certainly contested the validity of the debts. However, I was never given that opportunity.
Company Response: Closed with explanation

Timely Response

2019-08-20

Mem, TN

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2019-08-19

Kansas City, MO

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-08-17

Clermont, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: I went to the original of the account and says there is no information in their system, these companies that charge do not show their information is impossible to make an arrangement or verification.
Company Response: Closed with explanation

Timely Response

2019-08-17

Gloucester City, NJ

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I was not contacted by Commonwealth Finance on debts trying to collect. I just saw 7 different ones from the same company on my credit report. The following are the amounts {$560.00} {$840.00} {$840.00} {$520.00} {$1800.00} {$520.00} {$780.00} They are also all from the same original creditor : XXXX XXXX XXXX XXXX XXXX XXXX. There are no original dates of services. So I do not know exactly what they are trying to collect on. I have NO idea what these charges are. But they are destroying my credit. Please any imformation to help me straiten this out is greatly appreciated. Thank you in advance.
Company Response: Closed with explanation

Timely Response

2019-08-17

VT

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: A collection agency listed a debt on my credit report. In early XX/XX/2019I asked for information in writing regarding this debt. It has been six weeks so far and I have not heard from them. I want this debt taken off of my credit report but I need to know what it is and if it's even true but there's nothing I can do if nobody will contact me. This should not be allowed to happen.
Company Response: Closed with explanation

Timely Response

2019-08-16

New Caney, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-16

FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I have been on Medicaid for years and I have been receiving a collection for a er ems transport service I havent been to the hospital since XX/XX/2017 and I have a collection agency trying to collect from me at the Same time I have been informed that my personal sensitive information including my medical records and information has been compromised and I have been reported as a true victim of identity theft and name fraud. XXXX XXXX XXXX XXXX and XXXX credit report agency have my information as being compromised to which it has caused me to be directly impacted by the Data breach from both Credit agencies and I have never been charged for a ems transport service from my medical insurance company. I have to say that I hope that being my information is compromised and I have been a victim of identity theft and name fraud due to the fact that the Data Breaches have me finding a new origin of Some type of collection agency trying to charge me for the debt that I have not obtained myself. I am sure that with the details from this information with the process to get my identity restored should be a source to be easily verified and we can make a decision in regards to the situation regarding my circumstances with my personal sensitive information and my medical records and information being compromised by the Data Breaches from two separate credit report agencies, should be a source to reach the proper resolution to this matter and I look forward to seeing the new collection of debt being removed from my credit report and I hope it will be rather sooner than later so we can get this matter of unfortunate events resolved in a timely manner and I appreciate your time and consideration in this matter.
Company Response: Closed with explanation

Timely Response

2019-08-16

Jupiter, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: Re:Commonwealth Financial SystemsXXXX XXXX XXXX.XXXX XXXX, PA. XXXXXXXXThey have violated the Fair Debt Collection Practices Act and the Fair Debt Reporting Act and from what they told me, this is their standard business practice. I received my first notice from Commonwealth Financial Systems on or around XX/XX/2019. The letter is dated XX/XX/2019. The letter states that I have 30 days to dispute the debt and if they do not hear from me within that time, then the debt is considered valid. Well, they reported it to my credit report on XX/XX/2019 without ever giving me 30 days to dispute the debt. They have reported debt to my credit report that they have not validated. I called their office and spoke to the supervisor XXXX XXXX, and she said they report it to the credit bureau within 30 days from the time they receive the debt. This is their standard practice. She said they received the debt XX/XX/2019. I would have no way of knowing this without them mailing me a notice, which they did not bother to send until XX/XX/2019. They are reporting debt that they have stated they do not even know if it's valid. I do not even know what this debt is. She said she would remove it from my credit report for the next 30-45 days as they are working on validating the debt. They are only supposed to be reporting the debt after the consumer has been given written notice and a chance to dispute the debt. The fact that this is their standard business practice is appalling. Please look into this company. Thank you,XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-08-16

Dayton, OH

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: This is some fake shell company collecting debts that dont exist. They have no website or real office. Says they are out of XXXX, with no staff, but from Pennsylvania? I havent been to the hospital or anything medical related so how would I owe this amount, especially to a place that doesnt exist. If you XXXX this company, the ONLY result is people complaining about this bogus charge like I am now. Then I filed a complaint with XXXX explaining this and they came back in RECORD time and said it was accurate? Nope. Big XXXX no.
Company Response: Closed with explanation

Timely Response

2019-08-16

OH

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: In XXXX of XXXX I noticed 6 new collections accounts added for $ XXXX $ XXXX $ XXXX/ $ XXXX $ XXXX {$520.00} i disputed these items and requested debt verifications I received no debt verification and the disputes resulted in a decision of accurate information I contacted the collections agency to find out what dates the accounts became delinquent I was told XXXX and I asked why they were violating federal law by reporting theses accounts as a new delinquent account they said because the credit bureaus made them and I explained I would file complaint and possibly lawsuits if it wasnt corrected and they refused to make any attempt to correct
Company Response: Closed with explanation

Timely Response

2019-08-16

Pinellas Park, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-15

Fleming, GA

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2019-08-15

Three Bridges, NJ

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened to sue you for very old debt
Complaint: This is a collection that has pained me for over 15 years way pass the statue of limitations I dont recognize this debt for the past 15 or so years I have been i have disputed this debt I get them off my credit they sell it to other creditors an get back on my credit and also change their names and code numbers this has been going on long enough its way past the statue of limitations I dont know what this debt is and I want the harassment to stop
Company Response: Closed with explanation

Timely Response

2019-08-13

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my credit reports. The collection agency is CFSI ( CommonWealth Finincial Systems ). The original creditor was XXXX XXXX XXXX XXXX XXXX.Request for verfication was sent to XXXX, XXXX, and XXXX. Request for verification for this was sent to the bureaus by me, on XX/XX/XXXX. On XX/XX/XXXX XXXX updated the collection as a Closed account. On XX/XX/XXXX XXXX sent notice that the company verified the account. XXXX voilated section 609 and 611 due to not conducting proper investigation and not correcting inaccurate information. The date of status on my report is XX/XX/XXXX which states on the XXXX website this is the date the creditor last update the account. When the creditor validates the account this date should be updated. The account is inaccurate due to the open date, date of service, patient name with me as guarantor. I received a letter from CFSI on XX/XX/XXXX, that shows a {$0.00} amount due, with a Patient name : XXXX XXXX XXXX. This person is not me and I have never authorized to be a Guarantor for this person. Also the date of service shows XX/XX/XXXX I was not prosiding in the state that is listed as the place of service : XXXX, FL. Lastly the debt is being addressed to XXXX XXXX XXXX, my name is XXXX XXXX XXXX. My credit history is being affected by keeping an account on my report that I am not responsible for and doesn't belong to me.
Company Response: Closed with explanation

Timely Response

2019-08-12

Jupiter, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: TODAYS DATE : XX/XX/2019ATTENTION DISPUTE DEPARTMENT COMMONWEALTH FINANCE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious COMMONWEALTH FINANCE I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Closed with explanation

Timely Response

2019-08-12

Gr, MI

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response