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 8
2019-08-11
Foothill Ranch, CA
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Complaint: The amount of the debt this company claims I owe has been changing every quarter. The details for the debt says that it was created in XXXX of XXXX but previous to XXXX, it said XXXX of XXXX. I have tried contacting them years ago to verify the source but they were unable to give me any details. I am not even sure if this is supposed to be mine because I've had medical insurance for many years and my company has no record of any attempt to charge my insurance. Regardless, they have been resetting the clock every quarter and refuse to discuss any details so I've given up on that but now they continuously reset the debt and therefore the clock.
Company Response: Closed with explanation
2019-08-10
Wash, PA
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-08-09
Coconut Creek, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2019-08-09
Coconut Creek, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2019-08-07
Beyersville, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: I received an alert on XX/XX/XXXX from my credit monitoring service that a new collection was added to my permanent file from CommonWealth Financial. This is a medical debt in the amount of {$1800.00}, original creditor is XXXX XXXX XXXX. This makes the third collection agency this account has been sold to and each time I have had to prove my identity to the collection agency by verifying via phone and mailing in documents that the information they used to attach this bill to my name is not mine.
Due to my husband being in the military XXXX XXXX XXXX verified the debt was not mine in XXXX when I literally drove down to Louisiana and handed them my driver 's license, my social security card and proof of my medical coverage and I was told at that moment that none of my information matched the information they have on file so they will remove my name from this account.
This debt was later sold to agency # 1 and i disputed within 30 days, the collection agency verified via phone that they indeed had the wrong person when I was asked to verify my ss # and date of birth. The agency even had a different spelling of my name and a different middle initial, a different date of birth and a different social attached to this account. I was asked to provide them a copy of my personal information via mail to prove I am not the person they are looking for. Debt was deleted ( not temporarily removed but deleted ) from my file.
Within a few months collection agency # 2 sends me information stating I owe this debt, of course I dispute within 30 days and this agency sends verification of my ss #, my date of birth and the correct spelling of my name that now match the information I sent to agency # 1.
The most recent agency, CommonWealth checked my credit on XX/XX/XXXX per XXXX monitoring services so they were provided with a valid mailing address to properly notify me yet instead, they were allowed to add this debt back to my file without notifying me and allowing me the chance to dispute this yet again. My contact information is updated with all three bureaus so by them stating they " attempted to contact by phone or by mail '' is not a valid excuse.
Company Response: Closed with explanation
2019-08-06
Charlotte, NC
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I received a notification on my XXXX credit report on XX/XX/XXXX that a medical debt in the amount of {$890.00} was added to my collections account from medical services rendered in XXXX. I disputed the account immediately with XXXX as I was not aware of incurring a medical debt in that amount nor had I received any medical bills corresponding to that amount. I also submitted a letter dated XX/XX/XXXX and sent it to the collection agency on XX/XX/XXXX requesting validation of this debt. All the collection agency sent me was a letter stating they were attempting to collect a debt for that amount. That was the first letter I received regarding services that they claimed were rendered to me on XX/XX/XXXX! And the name the person is addressed to was not my name as it was not the correct spelling of my name leading me to believe someone may have received services fraudulently trying to use my name. To this date, I still have not received anything validating that this debt belongs to me and that I am liable for paying it.
Company Response: Closed with explanation
2019-08-05
GA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Complaint: I recently reached out to these reporting agencies regarding a medical debt. The information that was provided led me to believe that they have violated my HIPAA rights. One company say that the debt was started this year but its been several years since Ive seen a doctor other than my personal doctor
Company Response: Closed with explanation
2019-08-05
Little Rock, AR
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-08-05
TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: This is not my debt I didn't make these charges This is making it to where I cant get my new home Please remove and delete
Company Response: Closed with explanation
2019-08-03
PA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I just received a credit report for identity theft and there is 2 commonwealth financial systems on my report for a total of {$1100.00}. Dor the past two months. Now I have not been to the hospital in years. Its either someone using my identity or this is fraud.
Company Response: Closed with explanation
2019-08-03
London, OH
Communication tactics
Debt collection: Medical debt
Used obscene, profane, or other abusive language
Company Response: Closed with explanation
2019-08-03
Acton, TX
Communication tactics
Debt collection: Medical debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2019-08-01
Longs, SC
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-08-01
Dallas, TX
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-08-01
Dallas, TX
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-07-31
PA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I obtained my credit reports from all 3 credit reporting agencies and found Commonwealth Financial was listing an account that is not mine. I sent them a letter asking for validation of the loan or remove with in 30 days. I sent the letter certified and a representative from that company signed for it on XX/XX/2019. To date the account is still being reported and I have not received validation of the debt
Company Response: Closed with explanation
2019-07-31
Bee Spring, KY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Commonwealth finance is reporting a fraudulent account. I have never been treated at XXXX XXXX XXXX XXXX. I have no knowledge of this account, and Commonwealth finance has a long standing poor reputation for falsely reporting medical debt.
Company Response: Closed with explanation
2019-07-31
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-07-30
AZ
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: The following is a letter I sent to Commonwealth Financial Systems disputing the debt that I do not owe and have already paid:
Commonwealth Financial Systems
XXXX XXXX XXXX XXXX XXXX, PA XXXX
Account Number: XXXX.
Dear whoever it May Concern:
This is the second time that I have disputed this account with your bureau. The first time, they stated that I owed the debt, yet could NOT provide me with documentation proving that I owed the debt. This is unlawful and completely unreasonable. The Fair Debt Collection Processes Act allows me to request you to send proof of the debt through debt validation which you have not done. I have requested that your business not contact me, and yet I still get phone calls from this agency demanding that I set up a payment plan for a debt they cannot verify. This is illegal and against everything that debt creditors should stand for.
The fact that you as a business have purchased an inaccurate and somewhat questionable collection account from me with no paper trace is unethical. I have been harassed to comply with payments that have no bearing and no trace to me as a person due to no verification. I filed a dispute with XXXX, which was submitted on XX/XX/2019. It is now XX/XX/XXXX, and the status is not yet under investigation. I demand this account be taken off of my credit report or I will take legal action against you as a fraudulent bureau.
I made a XXXX payment to the account thinking it was another medical bill, however I was mistaken and had already paid that bill. This bill from “XXXX XXXX XXXX” is inaccurate given that I had already paid the hospital for the visit that I sustained. This is a poor practice that has negatively affected my credit and has led to many harassing and demanding phone calls from people inside your business claiming that I owe the debt, yet CANNOT supply me with ACCURATE, DATED information.
The most recent paper trail I have in my documents is a piece of mail from XX/XX/2019. I have been asking for documentation for 6 MONTHS. Medical bill collections are a violation of HIPPA, and I have had people from your business refer to my medical bill as an “ailment” when they should NOT have released my medical history without authorization. I have contacted XXXX XXXX XXXX and they have no recollection of this debt and cannot verify it either, and to reiterate, did NOT have my permission to release such pertinent, personal information about my health records to a third party creditor.
As previously stated, this is unethical and illegal. The harassing phone calls and demands of payment for an account neither business can verify is ridiculous. If this proceeds, legal action will be taken against your bureau as a means of a fraudulent business who is not complying with the regulations set forth by the FDCPA. You would not pay a creditor that cannot verify a debt, so why should your customers?
Company Response: Closed with explanation
2019-07-29
Fresno, CA
Getting a line of credit
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: Applied for personal loans and received approval for loan. Then called to speak with loan representatives XXXX XXXX who was very Rude and stated in order to fund money to my account he wants photos ID of Divers license, Bank account, password and account user name. Very hard to reach him after all information above sent to him. What a scam! Lying to people who already is in need of loan! What a fake Bank cooperation!
Company Response: Closed with explanation
2019-07-28
Atlanta, GA
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: Servicing Department : Please be advised this notice is in regards to recent Commonwealth Financial Systems claims on account # XXXX and regarding my potential claims pursuant to the Fair Debt Collection Practice Act, 15 U.S.C. 1692 et seq. ( the FDCPA ). I deny any and all liability and financial responsibility for the indebtedness claimed by you. Accordingly, this letter serves as a formal dispute of any balance associated with the abovementioned account and as a demand to discontinue any current and further collection attempts. Furthermore, pursuant of the Fair Collection reporting Act ( FCRA ), 15 U.S.C. 1681 and 15 U.S.C. 1681i, I demand an immediate expulsion of past or future credit reporting by of any current or future collection efforts, including any derogatory remarks furnished thereto.
I further request that you discontinue all collection efforts, unless and until you timely ( 30 days ) provide me with : ( 1 ) evidence that I am the proper party in interest concerning the suspected debt ; ( 2 ) verification of the debt in question, ( 3 ) any and all legally signed bonafide contractual agreement, and ( 4 ) the successive documentation evidencing any assignment or transfer of a debt account to Commonwealth Financial Systems, from the original creditor. Furthermore, I request that Commonwealth Financial Systems to discontinue reporting of any derogatory information regarding the abovementioned account to Credit Reporting Agencies. Regardless as to whether these demands are fulfilled or the outcome of this dispute, I hereby exercise my rights to enter the entirety of this letter as a Consumer Statement in XXXX XXXX credit file pursuant to FCRA provisions.
Failure to adequately respond to the demands included in this letter, within 30 ( thirty ) days, will render a legally binding presumption that XXXX XXXX acknowledge I am not the proper Party in interest to the claimed past due amount and any further collection efforts are unlawful.
Respectfully yours, XXXX XXXX XXXX ldw
Company Response: Closed with explanation
2019-07-26
Tampa, FL
False statements or representation
Debt collection: I do not know
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-07-25
Mount Holly, OH
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: Commonwealth Finance has continued to list an old medical bill that I do not even recognize as a new debt collection with all 3 credit bureaus. As I have been working very hard to pay off collections that are legitimate and they have now " re-aged '' the collection and post it again as if it is new. When it was previously listed on my credit report over 7 years ago it was for a different amount.
The collection lists XXXX XXXX XXXX in the amount of {$1000.00}. I have never heard of XXXX and have not been able to get any more information about the debt. Whatever it is I know it was from 9 years ago originally.
In addition to this, I have never received a collection letter from Commonwealth Finance listing the right to dispute the debt.
Most recently they posted it as a new collection on XX/XX/2019. Even if the debt is legitimate it is older than 7 years and should not be listed on my credit report.
This tacting of " re-aging '' the debt appears to be against FCRA guidelines and is fraudulent.
It is currently preventing me from renting a new home for my family as it brings my score down over 100 points.
I have contacted them in the past and they were rude and only interested trying to scare me into paying this bill that should have fallen off my credit two years ago.
Company Response: Closed with explanation
2019-07-25
Tampa, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-07-25
Fort Worth, TX
Took or threatened to take negative or legal action
Debt collection: Payday loan debt
Threatened to sue you for very old debt
Company Response: Closed with explanation