Commonwealth Financial Systems, Inc

2019-07-25

Augusta, GA

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2019-07-24

FL

Communication tactics

Debt collection: Medical debt

Called before 8am or after 9pm
Complaint: they call 100 times a day
Company Response: Closed with explanation

Timely Response

2019-07-22

Irving, TX

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-07-20

Amity, IN

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-19

Irving, TX

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-07-17

Londonderry, NH

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-17

Ardsley, PA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-07-17

Clermont, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-07-16

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2019-07-15

Fort Pierce, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-07-13

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/XXXX I submitted a dispute via XXXX XXXX in regards to an account that had been opened that I was not responsible for : CMNWLTH FIN - XXXX XXXX of XXXX - opened on XXXX XXXX XXXX in the amount of {XXXX}. I moved from XXXXXXXX XXXX to XXXX XXXX, XXXX in XX/XX/XXXX, of which I was and still am able to prove. On XX/XX/XXXX the investigation was completed and the result was in my favor : XXXX deleted the account on record from my credit report. I went online today to see about what I can do to build my credit and I noticed that a new account has been added in the amount of {$1000.00} so I opened it to see into the details of the account and sure enough it is the same account, except now it's through a *different collection agency and has a **new open date : XXXX XXXX XXXX XXXX XXXX XXXX of XXXX - **opened XXXX XX/XX/XXXX in the amount of {$1000.00}. It is my understanding that this practice is called Re-aging / Re-insertion and is illegal. I have opened a dispute with XXXX XXXX for a 2nd time and I will follow through on that end, but I want to pursue all avenues to clear my name and record and hold these agencies responsible for the negative impact to my Credit Report & Score in addition to the likelihood that I'm not the only victim.
Company Response: Closed with explanation

Timely Response

2019-07-12

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-07-12

Newnan, GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: I AM A VICTIM OF MY IDENTITY THEFT. XXXX MEDICAL BILL THAT I DO NOT OWN HAS BEEN DELETED, BY XXXX XX/XX/XXXXAND XXXX PUT THE SAME ACCOUNT BACK ON THE MY CREDIT REPORT, I ALSO FILE A POLICE REPORT THAT WAS ATTACH TO ALL NEGATIVE REPORTS
Company Response: Closed with explanation

Timely Response

2019-07-10

PA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: the two debt listed by commonwealth finance are incorrect, they reopened old bill, & the hospital they are collecting for was given my insurance info i had XXXX XXXX XXXX though medicaid office from XXXX up to XX/XX/XXXX, then moved to pa and have been cover under medicaid since XX/XX/XXXX ... my contact number XXXX
Company Response: Closed with explanation

Timely Response

2019-07-10

Clayton, MO

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-08

Baltimore, MD

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

2019-07-08

NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: According to Commonwealth Finance company, I owe {$430.00}, which is completely false. I did my research and based on what information I found out about Commonwealth Finance I am not the only one they have tried to collect a false debt from. I contacted Commonwealth Finance directly and spoke to a representative. I asked them to send me proof of this " debt '' I owe them and was asked to give personal information like my social security number which I found highly suspect. I believe this debt to be completely bogus, and will continue to fight it until resolved. These collection companies are taking advantage of people and ruining their their lives as well as credit scores like Commonwealth Finance is ruining mine. Please do something and have this company pay for their unjust acts.
Company Response: Closed with explanation

Timely Response

2019-07-05

Anaheim, CA

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Complaint: On XX/XX/2019 I received a phone call at XXXX XXXX from the company. When I expressed displeasure with the representative on the phone for the extremely early phone call he seemed completely unaware that there were laws governing when he could not call. While my phone number has a XXXX area code I have receive mail from this company at my home address in XXXX. The company is aware of how early they called me and violated the FDCPA.
Company Response: Closed with explanation

Timely Response

2019-07-04

Excel, AL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-07-04

Spring Hill, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-04

CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Commonwealth Financial Systems attempted to collect a previous medical bill debt that was already paid years ago. They also offered to discount the offer at 50 % off of the current balance in one payment. This was sent on XX/XX/XXXX on behalf of the original creditor, XXXX XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, PA. They told me to take advantage of the special offer through my Recovery Representative. This debt was paid in XXXX and is a fraudulent attempt at collecting money no longer owed.
Company Response: Closed with explanation

Timely Response

2019-07-03

Dr Martin Luther King Jr, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-03

Clermont, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-03

Wdbg, VA

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-07-02

Dunnellon, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Company Response: Closed with explanation

Timely Response