Complaints

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.

• Initial Complaint

  Date:12/17/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 placed fraudulent collections on my my credit report negatively affecting my credit history, and even through a dispute process they still remain on my credit although I have no knowledge of the accounts. They have multiple complaints against them for doing the same practice via reviews.

  Business Response

  Date: 01/03/2023

  
  Re. **** Nos: *********, *********, *********
  
  Dear *******,
  
  This response is in relation to CFPB Complaint ID   ******** submitted by your office on behalf of  ****************************
  
  Please note, we are a  third-party collection agency that collects on behalf of our clients.  The accounts in question are the result of emergency physicians services provided on 09/22/2016, 09/24/2016, & 11/27/2016 respectively, by ******************************, who is the original creditor of the account.  ******************************  later sold/charged off the original debts to our client, thus becoming the current creditor of the accounts. Our client, ******** ******* ********,  acquiring all ownership rights upon purchase, including the rights to collect on the accounts, assigned them to our office for collection on  September 12, 2022.
  
  In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent **.  ******* notification of the debts in an electronic communication. Notification was sent on October 04, 2022. We then monitored the account for no less than 14 days, the reasonable period of time as defined by the ***** to allow for notice of a deliverability issue. After 14 days, when no undeliverable notice was received, the account was sent to be credit reported.
  
  On  December 06, 2022, our office received  the first notice from the credit bureaus that the consumer was disputing the accounts on the grounds the 'information on the account is inaccurate', and   'not consumers debt' in a subsequent dispute. We marked the account as disputed and conducted an investigation relevant to  consumers dispute. Our initial evaluation of account information found no inaccuracies, so,as part of our dispute handling process, we reached out to our client to assist with our investigation.  On December 14, 2022 our client provided our office verification of the debt for each account. It was determined that we are attempting to collect the debt from the correct individual and confirmed the accuracy  of the information being credit reported. Our office forwarded copies of the supporting documents to ****************** for his records.
  
  We will continue to note the account as disputed and should ***************** have  documentation, or information relevant to supporting the basis of his dispute position, we encourage him to provide such evidence to allow us to more fully investigate the matter with our client. The information can be mailed to our office at: Commonwealth Financial Systems, Inc., 245 Main Street, Dickson City, PA 18519,-  or,  emailed to:  [email protected]. We ask that the **** Acct #  be documented on all correspondence to prevent any delays.
  
  We appreciate the opportunity to respond to and we hope our response has addressed the issues and concerns as set forth in the complaint.  If consumer has any questions regarding the accounts, he can reach our agency at **************.
  
  Sincerely,
  Michelle H*************
   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:12/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 complain is due to the negative marks made by your company on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. Also, you must provide me proof that they have my consent to report my medical information in accordance with HIPPA laws. So let it be known that I am requesting full validation of this debt. I demand that you take action on this matter because it has been causing me a lot of stress lately. Please remove this negative account from my credit report. The value of my creditworthiness is at stake.I am also aware this information was previously deleted (9/09/2022) under AVANTE ACCOUNT NUMBER ********. However I see this information associated with Commonwealth Finance Account Number: ************ has been reinserted on my consumer report yet again and is reporting both incompletely and inaccurately. This is a violation of 15 U.S Code 1681i(B)(i) and Commonwealth Finance Account Number: ************ must be removed Immediately!

  Business Response

  Date: 01/22/2023

  Re. CFSI Acct #*********

  Dear *******,

  Commonwealth Financial Systems, **** (CFSI) would like to thank you for the opportunity to respond to Complaint ******** submitted by your office  on behalf of ***************************. We at Commonwealth Financial Systems Inc. (‘CFSI’) take our consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions. The above referenced account was reviewed fully in conjunction with the consumers complaint, and we hope the following information is found sufficient in addressing the issues and concerns set forth in the complaint. 

  The account in question resulted from  emergency physicians services provided on 01/31/2019 by ** ******* ********* ***** LLC, who is the original creditor of the account.  ** ******* *************** later  sold/charged off the original debt to our client, after it had become delinquent. Our client,the current creditor, acquiring all  rights upon purchase, including the rights to collect on the account,  has placed the account with our office for collections. This is what gives our agency the ability to collect on the  outstanding debt. 
  The referenced  account was received in our office on 10/24/2022. In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting the account our office sent consumer  notification of the debt and then waited  14 days,  the reasonable period of time as defined by the CFPB,  to allow for notice of a deliverability issue.  After 14 days, having received no undelivered notice, the account was sent to be credit reported. On December 19, 2022 our office  received written correspondence from consumer disputing the debt and communicating a refusal to pay. We closed the account  and scheduled it  to be returned to our client. A deletion request was submitted to the three major credit reporting agencies to remove all  tradelines  associated with the account. Consumer will have no further contact from our office  regarding the account.
  
  Please note, the HIPAA law permits creditors to share information with its Business Associates necessary to collect on medical debt requiring that covered entities and business associates enter into contracts to ensure protected health information is appropriately safeguarded. Commonwealth Financial Systems, Inc. operates under a Business Associates Agreement with our client which certifies that we agree to not share private health information with anyone other than the consumer, or authorized party, and we further agree to keep records secure. Our company has been fully compliant with the rules and requirements of HIPAA.

  We hope our  response has addressed the issues and concerns as set forth in the complaint.

  Respectfully, *********************************, Legal/Compliance Dept.

  **This is a communication from a debt collector. 

• Initial Complaint

  Date:12/08/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 received a notice that I have a collection from COMNWLTH FIN on my credit report. It says it was opened on05/04/2022 for $1,045 with account number starting in ************ that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  Business Response

  Date: 01/03/2023

  December 30, 2022 
  
  Dear *******, 
  

   

  We thank you for the opportunity to respond to Complaint # ******** submitted by your office on behalf of ****** *********.  
  Commonwealth Financial Systems, Inc. is a third-party collection agency that collects on  behalf of our clients. The account in question is the result of emergency physicians’  services provided to consumer on 10/22/2018 by the ********* ********* ********** *** medical group. ********* ********* ********** *** later sold/charged off the debt to our client after it had become delinquent. While the consumer did not create the debt with Commonwealth Financial Systems Inc., our client,  who acquired all ownership rights upon purchase, assigned the account to our office for  collections on May 04, 2022. This is what gives our agency the ability to collect on the outstanding debt.
  In compliance with Regulation F of the CFPB’s Debt Collection Rule, prior to credit  reporting, our office sent consumer written notification of the debt in an electronic  communication. 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. After 14 days,  when no undeliverable notice was received, the account was sent to be credit reported. 
  On 06/08/2022 our office received a notice from the credit bureaus the consumer was  disputing the debt stating: information on the account is inaccurate. We conducted our  reasonable investigation and confirmed the information being reported to the credit  bureaus was complete and accurate. We obtained verification of the debt and a copy of  the supporting document was forwarded to consumer on September 23, 2022. 
  We will continue to note the account as disputed. Should consumer have documentation  or information relevant to substantiate his claim that he is not responsible for the debt, we ask that he submit it to our office by mailing it to: Commonwealth Financial Systems,  Inc., 245 Main Street, Dickson City, PA 18519, or - emailing it to:  [email protected]. Please document the CFSI Acct # on all correspondence to prevent any delays. 
  

   

  Sincerely,  
  Michelle H*******,  
  Legal/Compliance Dept. 
  

• Initial Complaint

  Date:11/30/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 do not have a contract with Commonwealth Finance. I am not liable for the collection of this debt from Commonwealth Finance. I am not responsible for this debt. It also violates my HIPPA rights for them to have access to this information and to place it on my credit reports. Desired Outcome/Settlement Desired Settlement: Correction to a credit report DELETE FROM CREDIT REPORT

  Business Response

  Date: 12/30/2022

  December 28, 2022 
  

   

  Dear *******, 
  

   

  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of the above referenced  complaint submitted on behalf of ******* ******. We would like to take this opportunity to  resolve the complaint, however, we are unable to identify a record of association with the  information provided in the complaint. At minimum we would need the last four digits  of the individual’s social security number&/or date of birth.  
  

   

  Regards, 
  Michelle H******* 
  Legal/Compliance Admin 
  

• Initial Complaint

  Date:11/21/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 noticed that there is inaccurate account that I needed to report. Evaluate and investigate those account that is not 100% accurate. Here are the lists that indicates the company name, balance, and date last reported:Account Name COMNWLTH FIN Balance $1,247 Account Number ************

  Business Response

  Date: 12/14/2022

  Re.CFSI Acct # *********
  
  Dear *******, 
  
  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of ***************************. The account referenced in ******************** complaint is a medical debt that originated from emergency physicians' services rendered on 08/08/2018 by a member of the ******* ********* ********** medical group, the original creditor of the account. Upon review of the inquiry, we determined **************** has identified inaccuracies in the account information being credit reported and lists the following information  to be investigated: COMNWLTH FIN, Balance $1,247 Account Number ***********.Consumer cites a violation under 15 U.S.C 1681i (7). 
  
  In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent consumer written notification of the debt in an electronic communication. 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. After 14 days, when no undeliverable notice was received, the account was sent to be credit reported.
  
  On 10/14/2022, our office received a notice from the credit bureaus the consumer was disputing the debt stating: Information on account is inaccurate, provide or confirm complete ID and verify all Account Information. Our office conducted an internal review of all relevant data associated with the file  and confirmed that the information in our records matched the information being reported to the credit bureaus. Following subsequent dispute notice from the credit bureau(s), we reached out to our client requesting their assistance with our investigation of the disputed information, during which a notice was received stating the consumer was disputing the account on the basis of Identity Theft. In response to the dispute, we ceased collection activity and submitted a request to delete the debt from the consumers credit report. Commonwealth Financial Systems Inc is currently  conducting an investigation relevant to the consumers dispute.  Should **************** have supporting information or documentation, such as a copy of the police report or identity theft affidavit, to help expedite the investigation,  he can submit it by sending it to our office at:  Commonwealth Financial Systems, Inc., Inc. To prevent any delays, please document  CFSI Acct # ********* on all correspondence.

  Sincerely,

  Michelle H*************
  Legal/Compliance Dept.

  **This is a communication from a debt collector.  

• Initial Complaint

  Date:11/21/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 was not sent in error. I am consumer by law and I want you guys to delete the inaccurate accounts in my credit report. Here are the details of the said inaccurate accounts, company name, balance & date last reported: Account Name COMNWLTH FIN Balance $1,273 Account Number ************

  Business Response

  Date: 12/15/2022

  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of ***********************. The account referenced in ***************** complaint is a medical debt that originated from emergency physicians' services rendered on 11/22/2016 by a member of the ******** ***************************** Pa, the original creditor of the account. Upon review we determined ************* has identified inaccuracies in the account information being credit reported and lists the following information to be investigated:COMNWLTH FIN, Balance $1,273 Account Number ************. Consumer cites a violation under 15 U.S.C. 1681i(7).
  
  In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent ************* written notification of debt on 08/03/2022. We then monitored the account for no less than 14 days, the reasonable period of time as defined by the ***** for notice of a deliverability issue. After 14 days, when no undeliverable notice was received, the account was sent to be credit reported.
  
  On 10/24/2022, our office received a notice from the credit bureaus the consumer was disputing the debt stating: Not consumer's debt, provide or confirm complete ID and verify all Account Information. Our office conducted an internal review of all relevant data associated with the file and confirmed that the information in our records matched the information being reported to the credit bureaus.
  
  Following notice from the credit bureaus of a subsequent dispute, we reached out to our client requesting documentation to support the validity the debt in question, the results of their findings are still pending. In order to resolve the complaint, we have closed the account in our office and will be returning it to our client. Please note that this action also initiates a deletion request to remove all tradelines on the referenced account from credit reporting to the 3 major credit bureaus.  We hope this addresses all concerns on the part of the consumer

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  COMNWLTH FIN (Original Creditor: ******* ***** ***** **** ****) ************ Balance Owed: $1,994 - I have never signed for this medical collection company and I will never allow another person to see my personal medical information. Please help me remove this collection from my credit report.

  Business Response

  Date: 12/01/2022

  Re. CFSI Acct # *********

  Dear *******, 

  Upon receipt of Complaint ********, we reviewed all relevant information provided by ************** with her dispute, and forwarded the information to our client for review. Based on the nature of the dispute, we also submitted a deletion request for the account to be removed from credit reporting. Please be advised, following their review, our client has instructed our office to close the account. 

  Do not hesitate to reach out to us should you feel we can be of further assistance. 

  Sincerely,

  Michelle H*******,
  Legal/Compliance Dept.

  ** This is a communication from a debt collector. 

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Complaint Details This business (**** ********* *************) showed up on my credit report under Commonwealth, however I have never been to an Emergency provider without having insurance, nor have I been to a standalone doctor like the business described. Specifically for over $700! All phones are disconnected. It mysteriously appeared on all 3 credit reports under Commonwealth finance. Per ***********- The organization recently has only one registered license in ************************ Physicians / Emergency Medicine, which is considered as the primary health care specialty. **** *************************** can be contacted via phone **************, or through Hence, ***** via phone **************. Whether it's the one in Hamilton Ohio, or Columbus. I specifically have not been to an office in Hamilton Ohio which is over an hour and a half away from where I live. South West. I have not been south in many years. This is a SCAM and this better be removed from my credit reports ASAP. I've never been sent a bill or an itemized bill. I have 0 record of this account and haven't even been seen in years. I will continue to dispute this and will potentially sue for falsified information.

  Business Response

  Date: 12/01/2022

  Re. CFSI ACCT # *********

  Dear *******, 

  Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of  Complaint ******** submitted on behalf of ******************************* and thanks you for the opportunity to respond. 

  The account in question is the result of emergency physicians' services provided to minor child, ***., at ************** Hospital. Services were rendered on April 02, 2017, by the **** ********* *************  medical group. The account was placed with our office on September 13, 2022,  as unresolved. Prior to credit reporting, our office sent **************** notification of the debt on October 06, 2022. We then monitored the account for no less than 14 days for notice indicating a deliverability issue. After 14 days, when no notice was received, the account was sent to be credit reported.  

  **************** is requesting an itemized bill. Please be advised, we have requested the itemized billing statement on the account.  We will forward the document to **************** upon receipt. 

  We will continue to note the account as disputed. I hope the response has addressed the issues and concerns as set forth in the complaint and provided assistance to consumer.

  Sincerely,
  Michelle H**************,
  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:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 was not sent in error. I am consumer by law and I want you guys to delete the inaccurate accounts in my credit report. Here are the details of the said inaccurate accounts, company name, balance & date last reported: Account Name COMMONWEALTH FINANCIAL Balance $60.00 Account Number ************

  Business Response

  Date: 11/19/2022

  Re CFSI Acct # *********

  Dear *******, 

  We are in receipt of the complaint sent on behalf of  *******************************. Please be advised the above referenced account is no longer being serviced by Commonwealth Financial Systems **** The account was closed October 19, 2022, returned to our client **************,  and a request was submitted to the credit reporting agencies to remove all tradelines associated with the account from credit reporting. 

  Sincerely, 

  Michelle H*************

  Legal/Compliance Admin

  *This is a communication from a debt collector.  

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  The basis for my dispute COMMONWEALTH FINANCE, Stephanie D******, Client Relations,COMNWLTH FIN, ************, $399 - was required to notify me prior to 09/07/2022, or no later than 30 days after. COMNWLTH FINfailed to notify me about reporting derogatory info. to ******* and ********** In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); “The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after 09/07/2022, furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p),’ 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC § 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Also, COMNWLTH FIN" failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA §809, which is $1000 per violation and the state of TX allows treble damages. Under § 809. Validations of date and Mini-Mirandi under Section 807(1)COMMONWEALTH FINANCE, Stephanie D******, Client Relations failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by the FTC, and that my state attorney general can also enforce this with a $1000 penalty as well. I attached a copy of the law and the actual document from the federal reserve COMNWLTH FINis held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. ***** v. ***** 980 S.W.2d693(Tex.App-San Antonio 1989 reh.den.) citing ****** v. ***** 936 S.W.2d 654(Tex.App-Dallas 1996 writ dism'd w.o.j.) RESOLUTION I will if the account is not taken back

  Business Response

  Date: 11/30/2022

  Re. Complaint ID ********

  Dear *******, 

  We would like to take this opportunity to resolve the above referenced complaint, however, the information provided in the complaint did not identify a record of association &/or does not link us to this individual.  At minimum we will require at least  the last 4 digits of the individual's social security number or a date of birth. If preferable,complainant can contact our office at ************** and go through the verification process for a record to be identified.

  Sincerely, 

  Michelle H***********,
  Legal/Compliance Dept.

  ** This is a communication from a debt collector.