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Business Profile

Collections Agencies

Commonwealth Financial Systems, Incorporated

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

Customer Complaints Summary

  • 140 total complaints in the last 3 years.
  • 0 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:12/26/2023

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with *****************************. I DO NOT have a contract with Commonwealth Finance. They did not provide me with the original agreement as requested or any of the other items requested such as a itemized bill.

    Business Response

    Date: 01/03/2024

    RE: Complaint ********

    Dear *******,

    We would like to take this opportunity to resolve the complaint submitted by your office on behalf of ***********************************, however, the information provided in complaint does not link us to this individual and no personal identifying information was provided. Complainant will need to provide the last 4 digits of the individuals social security number and/or date of birth. If preferable, complainant can contact our office at ************ and go through the verification process for a record to be identified.

    Sincerely,
    *****************************
    Legal/Compliance Dept

    **This is a communication from a debt collector.

  • Initial Complaint

    Date:11/27/2023

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    They fraudulently added a derogatory collection to my account when I do not have any account with them and no outstanding medical bills

    Business Response

    Date: 12/12/2023

    RE CFSI ACCT# *********

    Dear *******,

    We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of *************************. The above referenced account was reviewed fully in conjunction with the consumer's complaint and we hope the following information was found sufficient in addressing the issues and concerns set forth by consumer.

    The account referenced in complaint is a medical debt that originated from emergency services rendered on 09/01/2017 by ******** ******* ********, the original creditor of the account. ******** ******* ******** later sold/charged off the original debt to our client after it had become seriously past due. Our client, acquiring all ownership rights upon purchase, including the rights to collect on the account, has assigned the account to our office for collection.

    Please be advised, a billing statement was provided by the current creditor and was forwarded to consumer on 12/04/23. We will continue to note the account as disputed. Should consumer have documentation or information supporting they aren't responsible for the debt, we encourage such evidence be provided to allow us to more fully investigate the matter with our client. Sincerely, *****************************, Legal/Compliance Dept. **This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

  • Initial Complaint

    Date:11/20/2023

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This is a fraudulent account on my credit report.

    Business Response

    Date: 12/07/2023

    RE CFSI ACCT#*********

    Dear *******,

    We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of *******************************. The above referenced account was reviewed fully in conjunction with the consumer's complaint and we hope the following information was found sufficient in addressing the issues and concerns set forth by consumer.

    The account in question is the result of medical services provided by ****** ********* ***** *** on 05/15/2018, the original creditor of the account. ****** ********* ***** LLC later sold/charged off the original debt to our client after it had become seriously past due. Our client,acquiring all ownership rights upon purchase, including the rights to collect on the account, has assigned the account to our office for collection.

    We have requested additional documentation from the current creditor and will forward this information to consumer upon receipt. Should ******************* believe this account to be fraudulent we ask she provide us a copy of the police/incident report with information relevant to our referenced account and we will be happy to forward it to our client for investigation. Sincerely,*****************************, Legal/Compliance Dept. **This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

  • Initial Complaint

    Date:11/19/2023

    Type:Customer Service Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with ********* ********* **********, and I do not have a contract with Commonwealth Financial Systems, Inc. 

    Customer Answer

    Date: 11/20/2023

    I have tried unsuccessfully several times to receive a itemized contract from ********* ********* **********, my insurance paid this years ago I will reach out to them again and provide the necessary paperwork

    Business Response

    Date: 12/01/2023

    RE CFSI ACCT# *********

    Dear *******,

    Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint # ******** on behalf of ***************************************. Please be advised, Commonwealth Financial Systems, Inc. is a third-party collection agency and as such, we do not have contracts directly with consumers. We service accounts on behalf of our clients with whom we share a contract and who has purchased the account from the original creditor. The original creditor has a right to sell/charge-off accounts after they become seriously past due. While the consumer did not create the debt with the collection agency, the original creditor has sold/charged off the original debt to our client who then assigned it to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debt.

    The above referenced account is the result of emergency physicians' services provided on 01/19/2018 by ********* ********* **********,PLLC, the original creditor of the account. Please be advised, a billing statement was provided by the current creditor and was forwarded to consumer on 08/22/23.

    We will continue to note the account as disputed. Should ******************* have documentation showing proof of coverage for relevant date of service, we will gladly forward it on to our client for review. This information can be mailed to: Commonwealth Financial Systems Inc., 245 Main Street, Dickson City, PA 18519; -or emailed to: [email protected]. Sincerely, ***** *********, Legal/Compliance Dept. **This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

  • Initial Complaint

    Date:11/17/2023

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have not signed any contracts with commonwealth financial.

    Business Response

    Date: 11/30/2023

    RE CFSI ACCT# *********

    Dear *******,

    Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint # ******** on behalf of ***********************. Please be advised, Commonwealth Financial Systems, Inc. is a third-party collection agency and as such, we do not have contracts directly with consumers. We service accounts on behalf of our clients with whom we share a contract and who has purchased the account from the original creditor. The original creditor has a right to sell/charge-off accounts after they become seriously past due. While the consumer did not create the debt with the collection agency, the original creditor has sold/charged off the original debt to our client who then assigned it to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debt.

    The account in question was validated on as part of a reasonable investigation and determined we are attempting to collect the debt from the correct consumer. We also requested additional documentation from the current creditor and have forwarded this information to consumer on 11/28/23.We will continue to note the account as disputed. Should consumer have documentation or information supporting they aren't responsible for the debt, we encourage such evidence be provided to allow us to more fully investigate the matter with our client. Sincerely, *****************************, Legal/Compliance Dept.**This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

  • Initial Complaint

    Date:11/14/2023

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This company has harassed me to no end. I have sent cease and desist letters to them and told them to send me the Info to the original creditor. This is ja collection agency that refuses to send me a 1099c since the so called debt they allege I have with them has been written off.

    Business Response

    Date: 11/28/2023

    RE: Complaint ********

    Dear *******,

    We would like to take this opportunity to resolve the complaint submitted by your office on behalf of *************************************, however, the information provided in complaint does not link us to this individual and no personal identifying information was provided. Complainant will need to provide the last 4 digits of the individuals social security number and/or date of birth. If preferable, complainant can contact our office at ************ and go through the verification process for a record to be identified.

    Sincerely,
    *****************************
    Legal/Compliance Dept

    **This is a communication from a debt collector.

    Customer Answer

    Date: 12/02/2023

    [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

     Complaint: ********

    I am rejecting this response because:
      You all have placed a debt on my credit report on behalf of ****************** **********- what do you mean you can't identify me in the system!?  You had to have MY social security number to place it in the system! Take this off of my credit report immediately! This is fraudulent! 

    Regards,

    *************************************

    Business Response

    Date: 12/11/2023

    RE CFSI

    Dear *******,

    We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of *************************************. We regret that ************************ found our company response to be unsatisfactory, however as stated in our initial response the information provided in complaint does not link us to this individual and no personal identifying information was provided. Please be advised, Commonwealth Financial Systems, Inc. takes your privacy and security seriously. Verifying your account helps us protect you from unauthorised access and fraud.

    If preferable, complainant can contact our office at ************ and go through the verification process for a record to be identified. Sincerely, *****************************, Legal/Compliance Dept. **This is a communication from a debt collector.

  • Initial Complaint

    Date:11/13/2023

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Reference account ********* Date of original transaction: 09/2016 Date of report to credit bureau 09/2023 This agency is reporting a debt that is beyond the 7 years allowable to report to my credit. I wish for the collection agency to remove the report from my credit.

    Business Response

    Date: 11/27/2023

    Dear *******,

    We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of *****************************. The above referenced account was reviewed fully in conjunction with the consumer's complaint and we hope the following information was found sufficient in addressing the issues and concerns set forth by consumer.

    The above referenced account is the result of emergency physicians' services provided on 05/06/2018 by ************** **** ** ** **, the original creditor of the account. The account was placed with our office for collections on 09/15/2023 by ***********************, who is the current creditor of the account. Prior to credit reporting, our office sent written notification of the debt to consumer in an electronic communication on 10/11/2023. We then monitored the account for no less than 14 days, the reasonable period of time as defined by the CFPB, for notice of a deliverability issue. The notice was not returned as undelivered.

    •Please be advised, the FCRA compliance date for credit reporting is 7 years from the date of service or date of first delinquency. The service date, used for FCRA purposes, is 05/06/2018, making the account eligible within the credit reporting time limit. In regard to the statute of limitations, the statute applies to the maximum time legal proceedings can be initiated to collect on a debt. Commonwealth Financial Systems, Inc. does not bring legal action against consumers.

    I hope my response has addressed the issues and concerns as set forth in the complaint. Sincerely, *****************************, Legal/Compliance Dept.**This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

    Customer Answer

    Date: 11/27/2023

    [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

     Complaint: ********

    I am rejecting this response because: I never received communication. I did not go to the ER on 5/6/2018. I dispute the validity of this debt.

    Regards,

    *****************************

    Business Response

    Date: 12/13/2023

    RE CFSI ACCT# *********

    Dear *******,

    We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf *****************************. We regret that *************** found our company response to be unsatisfactory, however as stated in our initial response our office sent written notification of the debt to consumer in an electronic communication on 10/11/2023 and the notice was not returned as undelivered.

    Please be advised, a billing statement was provided by the current creditor and has been forwarded to consumer. Should **************** have documentation or information supporting they aren't responsible for the debt,we encourage such evidence be provided to allow us to more fully investigate the matter with our client. Sincerely, *****************************, Legal/Compliance Dept.**This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

  • Initial Complaint

    Date:11/09/2023

    Type:Customer Service Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with Commonwealth Financial Systems, Incorporated and do not have a contract with convergent. They do not provide me with the original application like I asked.

    Customer Answer

    Date: 11/10/2023

    Yes I have contacted them.

    Business Response

    Date: 11/29/2023

    RE CFSI ACCT# *********

    Dear *******,

    Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint # ******** on behalf of ***********************. Please be advised, Commonwealth Financial Systems, Inc. is a third-party collection agency and as such, we do not have contracts directly with consumers. We service accounts on behalf of our clients with whom we share a contract and who has purchased the account from the original creditor. The original creditor has a right to sell/charge-off accounts after they become seriously past due. While the consumer did not create the debt with the collection agency, the original creditor has sold/charged off the original debt to our client who then assigned it to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debt.

    The above referenced account is the result of emergency physicians' services provided on 03/16/2020 by ******** ********* ******** ** *********** PA, the original creditor of the account. The account in question was validated on as part of a reasonable investigation and determined we are attempting to collect the debt from the correct consumer. We also requested additional documentation from the current creditor and have forwarded this information to consumer. We will continue to note the account as disputed. Should consumer have documentation or information supporting they aren't responsible for the debt, we encourage such evidence be provided to allow us to more fully investigate the matter with our client. Sincerely, ***********************, Legal/Compliance Dept. **This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

    Customer Answer

    Date: 12/04/2023

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

    Regards,

    ***********************

  • Initial Complaint

    Date:11/06/2023

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Commonwealth financial systems is reporting a debt to credit bureaus which is incorrect and is no fault of my own and instead a result of original creditor (** ********* ********** ****) This hinders me as a consumer and causes me undo hardship as a resident of Pennsylvania. I demand the trade lines be removed from the three credit bureaus and future reporting stop.

    Business Response

    Date: 11/22/2023

    RE CFSI ACCT# *********

    Dear *******,

    We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of ***********************. The above referenced account was reviewed fully in conjunction with the consumer's complaint and we hope the following information was found sufficient in addressing the issues and concerns set forth by consumer.

    The account in question is the result of medical services provided by ** ********* ********** **** on 08/21/2018, the original creditor of the account. ** ********* ********** **** later sold/charged off the original debt to our client after it had become seriously past due. Our client, acquiring all ownership rights upon purchase, including the rights to collect on the account, has assigned the account to our office for collection.

    We will forward the insurance information provided in complaint to our client for review, and if eligible, they will seek to
    resolve the debt with the insurance company. We will continue to note the account as disputed. I hope my response has addressed the issues and concerns as set forth in the complaint. Sincerely, *************************, Legal/Compliance Dept. **This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

    Customer Answer

    Date: 11/27/2023

    What must be on file prior to billing a ******** patient for non covered services?
    This notice is called an Advance Beneficiary Notice of Non-coverage, or ABN

    ******** requires an ABN be signed by the patient prior to beginning the procedure before you can bill the patient for a service ******** denies as investigational or not medically necessary. Otherwise, ******** assumes the patient did not know and prohibits the patient from being liable for the service

    Customer Answer

    Date: 11/28/2023

    [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

     Complaint: ********

    I am rejecting this response because: The reported alleged debt is 1; Well beyond  4 years and legally cannot be collected. 2; By federal and state law unless an ABN was on file prior to any collection or reporting activity this should be considered unlawful and subject to legal action.

    Regards,

    ***********************

    Business Response

    Date: 12/08/2023

    RE CFSI ACCT# *********

    Dear *******,

    We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of ***********************. Please be advised, the FCRA compliance date for credit reporting is 7 years from the date of service or date of first delinquency. The service date, used for FCRA purposes, is 08/21/2018, making the account eligible within the credit reporting time limit. In regard to the statute of limitations, the statute applies to the maximum time legal proceedings can be initiated to collect on a debt. Commonwealth Financial Systems, Inc.  does not bring legal action against consumers.

    The insurance information submitted as an attachment with said complaint was forwarded to the current creditor for review, and the account was put on hold as we waited for instruction in regard to the account. We have since been advised by the current creditor to close the account in question. A deletion request, to remove the tradelines from credit reporting, has been submitted to the three major credit bureaus. We hope this addresses all concerns on the part of the consumer. Sincerely, *****************************, Legal/Compliance Dept. **This is a communication from a debt collector.

    Customer Answer

    Date: 12/12/2023

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

    Regards,

    ***********************

  • Initial Complaint

    Date:11/03/2023

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This complaint regards charged off accounts from medical centers that were purchased by CWFS. Not only are these accounts being sold thru multiple collection agencies, but each time balances are changing on accounts I have no known knowledge of! Not only does this violates my rights, but it’s illegal to continuously sell a debt and then try to retrieve it. Also, the media is being transferred electronically without my consent that contains my social, address, and birthday which violates major rights under the FCRA. I demanded a ceast and desist verbally which has been declined because I am still receiving multiple calls a day about multiple debts that’s I’ve disputed and CWFS seems to have found accuracy of the debt. Furthermore, under the Pa.RE 803(6), 902(11), and 902 (12) are being violated! They have failed to provide me with an authenticated contract regarding direct business that I supposedly had with this medical debt collection office! Also relevant to this matter the “ Uniform Business Records as Evidence Act has been totally overlooked! This is a recurring issue with CWFS and I have forward this same complaint to a debt collector attorney! I am demanding all 4 accounts to be returned back to the original company, closing all future business and all 4 derogatory marks to be removed off of my credit immediately! I am prepared to take further action.

    Business Response

    Date: 11/21/2023

    RE CFSI ACCT# *********+

    Dear *******,

    Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint #******** on behalf of *****************************. Please be advised, Commonwealth Financial Systems, Inc. is third-party collection agency that services accounts on behalf of our clients. We do not originate the accounts we service, nor do we engage in debt buying. The referenced accounts are the result of emergency physicians services provided by *** ********* ********* ****** ****. The physicians group, who bills separately from the hospital, sold/charged off the original debts to our client after they became seriously past due and were placed with our office as unresolved debts.
    In compliance with Regulation F, prior to credit reporting, Electronic notification of the debts were sent to consumer. This letter provided the original creditor, name of the current creditor to whom the debt is owed, the amount of debt, and all other disclosures as required by the Fair Debt Collections Practices Act (FDCPA) and applicable State law. 

    I personally conducted a full file review which included all records, notes, and documents associated with the files and found no evidence to support consumer's claim that our office made frequent calls after being told to stop contacting. Our records found no direct contact with consumer. Also we have rules in place that limit the frequency of calls that can be made to an account as well as limits on manual outbound calls. A review of the files found Commonwealth Financial Systems Inc. acted in compliance with the credit reporting requirements imposed by Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).

    As per consumer's request, we will cease and desist collection activity in relation to the debts and return them to our client, informing them Commonwealth Financial Systems will no longer be servicing the accounts. A deletion request will be sent to the 3 major credit reporting agencies for the tradeline(s) to be removed from credit reporting. I hope my response has addressed the issues and concerns as set forth in the complaint. Sincerely, *****************************, Legal/Compliance Dept **This is a communication from a debt collector

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