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:07/26/2022

  Type:Billing Issues
  Status:

  ResolvedMore 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 am not liable for this debt with Florida hospital and do not have a contract with commonwealth financial systems. They do not provide me with the original application like I asked.

  Business Response

  Date: 08/10/2022

  Re.CFSI Acct # *********

  Dear *******, 

  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of ***************************. We hope the following information is found sufficient in addressing the issues and concerns set forth in the complaint.

  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. 
  
   An application process is not applicable.  In regard to medical debt arising from services of this nature, a waiver is signed by the patient, or responsible party, upon acceptance for medical services. A copy of this waiver can be obtained from the facility from which services were sought.
  
  Please be advised this account had been closed with our office on 06/13/2022. A deletion request was submitted to the three(3) major credit bureaus to remove the tradelines from credit reporting.
  
  Sincerely,
  
  Michelle H********
  Legal/Compliance Dept.
  ** This is a communication from a debt collector

  Customer Answer

  Date: 08/11/2022

  [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:07/24/2022

  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. So let it be known that I am requesting full validation of this debt. I demand that you take action to this matter because it is causing me a lot of stress lately. Please remove this negative account in my credit report. The value of my credit worthiness is at stake.

  Business Response

  Date: 08/09/2022

  Re. CFSI Acct *********

  Dear *******,

  This response is in relation to CFPB Complaint ID ********  submitted on behalf of  *********************.  We at Commonwealth Financial Systems (‘CFSI’) take our consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions. I have personally reviewed the Complaint and Attachment and believe the following information will address the issues and concerns set forth in the complaint. 

  The above referenced account is the result of emergency physicians' services provided on  10/22/2018 by the original creditor, who is ********* ********* **********. Services were rendered to minor child ***.  Our  records indicate the  initial validation notice  was sent to *** ***** on 05/13/2022. Formatted in accordance with CFPB's  MODEL VALIDATION NOTICE, our notice provides information about the debt; amount owed and itemization information, such as interest and fees. Please note, the interest and fees line item in the notice will always reflect a $0.00 value, as Commonwealth Financial Systems does not charge interest or fees. 
  
  Following receipt of said Complaint, we conducted an internal investigation.  As part of our dispute handling process, we reached out to our client to assist in our investigation. In the investigative process, we obtained validation of the debt.  The supporting document was forwarded to consumer on 07/29/2022. 
  
  Please be advised, the HIPAA law permits creditors to share information with its Business Associates necessary to collect on medical debt. The HIPAA rules require 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 HIPAA requirements concerning privacy of medical records.

  ***THIS ACCOUNT WAS CLOSED ON 8/01/2022 AND IS NO LONGER BEING SERVICED BY OUR OFFICE. A deletion request has been submitted to the credit reporting agencies to remove our tradelines from credit reporting. 

  I hope my response has addressed the issues and concerns as set forth in the complaint. 
  
  Sincerely,
  Michelle H*************,
  Legal/Compliance Dept.

  ** This is a communication from a debt collector.  

• Initial Complaint

  Date:07/15/2022

  Type:Service or Repair 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.

  David has been doing a lot of fraudulent things like switching my name around on documents, giving bad addresses and saying that he served me! Giving jobs fade documents for fake garnishments then file for the garnishment after the money was already taken! Liked about what case he’s after me on don’t return calls! And has taken a hold lot of money from me illegally with out a explanation for him or staff his address and phone number are out of service and he used a post office as his business address as well his staff are rude and they are in willing to fix any of their wrong doing! The only get Judgment by making sure you don’t make the court dates and if you do make it they say they want to work out a deal with you then they never reach out to you then lie to the judge ect! My name is wrong address of the employer is wrong! So the documents where never served. Fraudulent documents from the clerk office

  Business Response

  Date: 07/18/2022

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

  After reviewing **************'s complaint and attachments, we do not believe the complainant has the correct agency.  

  Please note, Commonwealth Financial Systems, Inc. is  a third-party collection agency with most of our clients being medical debt buyers. Our clients do not direct us to garnish wages, nor to take legal action against a consumer.

  An in-depth search of our database found no record of a current or prior relationship with our company.
  

  If consumer feels she has the correct agency, we ask she provide a date of birth, &/or SSN, or the **** reference number.

  Sincerely,

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

  Legal/Compliance Dept.

  ** This is a communication from a debt collector.  

• Initial Complaint

  Date:07/14/2022

  Type:Billing Issues
  Status:

  ResolvedMore 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 am not liable for this debt with commonwealth financial systems and do not have a contract with convergent. They did not provide me with the proof of identification like I asked. Take this debt off my credit report or please provide me with proof of identification.

  Business Response

  Date: 07/28/2022

  Re. CFSI Acct # *********

  
  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of Complaint ********, sent on behalf of ******* *******, and welcomes the opportunity to respond to the concerns set forth in the complaint.
  Please be advised, the referenced account was the result of medical services provided on 05/20/2018 by ******** ********* Hospital. We are collecting on behalf of our client, ** *******, who acquired the account from from the original creditor. CFSI has no knowledge of, or affiliation with, convergent  as named in consumer's complaint. 
   In regard to medical debt arising from services of this nature, a waiver is signed by the patient, or responsible party, upon acceptance for medical services. A copy of this waiver can be obtained by the consumer from the facility which services were sought. Consumer has been provided both a validation letter and itemized billing statement which provides information related to the original creditor.
  We will continue to note the account as disputed. We ask that *** ******* contact our office at 1-800-848-2170 where we can assist him in resolving the debt. Commonwealth offers several reasonable and affordable income-based repayment options.
  

  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. 
  

  Customer Answer

  Date: 07/28/2022

  [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,
  
  *****************************
  I contact your office and the only proof yall can provide is billing, I am a victim of identity theft so all I ask is for the company to provide proof of identification because every hospital visit the hospital take a copy of your I.D. A signature and a copy of billing is not proof because people use other names for hospital visit everyday  because they do not have **********

• Initial Complaint

  Date:07/12/2022

  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 to this matter because it is causing me a lot of stress lately. Please remove this negative account in my credit report. The value of my credit worthiness is at stake.

  Business Response

  Date: 07/27/2022

  Re. CFSI Acct #*********
  
  We thank you for the opportunity to respond to Complaint  17556346 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. We believe the following information will address the issues and concerns set forth in the complaint.

  The referenced account originated as the result of medical services provided to consumer on 01/29/2018 by  the original creditor, ***** ****** *********. Following adjustments made to the original balance, a balance remained of $193.74, which was later acquired by our client, ******** ******* *******.  On 05/04/2022, the account was assigned to our office to assist consumer in resolving this past due balance.

  Following receipt of said complaint, our office obtained validation of this debt, which was forwarded to consumer on July 22, 2022.
  
  Please note, HIPAA regulations permit the disclosure of limited information for the purpose of obtaining payment on medical goods and services, including reporting medical information to a Credit Reporting Agency. There is no clause in HIPAA that prohibits credit reporting of a medical debt without consent.
  .
  We have marked the account to reflect consumer's position in regard to the account and encourage consumer to contact our office at ************** to discuss resolution of the debt. We offer several reasonable and affordable options to best meet the financial needs of the 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:07/12/2022

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  ACCOUNT: ************ this account was opened fraudulently it is a matter of unauthorized use in accordance with 15 USC 1602p. they have opened this account using my social security card without my consent which i receive no benefit from this account. they have also not followed CFR protocol in accordance with 15 USC 1692G as i never received a dunning letter pursuant 12 CFR 1006 model form B-1 within 14 days of the reporting of this account. they have also violated my rights under 15 USC 1681a3- restrictions on sharing medical information as they are reporting a transaction for medical products or services which is a violation of my rights as a consumer. i also request your license to collect in the state of FLORIDA which is required by a debt collector otherwise you will be turned into the state attorney general

  Business Response

  Date: 07/26/2022

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

  We thank you for the opportunity to respond to Complaint ID ********  submitted by your office on behalf of *****************************. Here at Commonwealth Financial Systems, Inc,  we take our consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions.

   The account in question was placed with our office for collection on 10/28/2020. The debt originated from medical services provided on 11/23/2016. The services were rendered to *******************************,DOB: **********, SSN: ***-**-**** (first five digits of SSN redacted security purposes). In regard to medical debt arising from services of this nature, a waiver is signed by the patient, or responsible party, upon acceptance for medical services. A copy of this waiver can be obtained from the facility from which services were sought. ******************* can contact our office at ************** for facility information.
  
  On 08/16/2021, CFSI received a notice from the credit bureaus the consumer was disputing the account, stating: insurance should have covered. After conducting its investigation, and confirming that the information in CFSIs records matched the information being reported to the credit bureaus, CFSI verified the debt to the credit bureaus.

  On 12/13/2021, CFSI received a notice from the credit bureaus the consumer was disputing the account. Stating: Information on account is inaccurate.  CFSI began its investigation of the dispute, reaching out to the current creditor for assistance. Validation of the debt was obtained during this period which was forwarded to consumer. Upon conclusion of the investigation, CFSI confirmed that the information being reported to the credit bureaus was found to be accurate. These findings were forwarded to consumer.

  Our records indicate the initial validation notice was sent to consumer on 08/30/2021. Prior to November 30, 2021 and the new Regulation F rule, there was no law that required our agency to notify a consumer prior to credit reporting.

  If, after reviewing the above-referenced information, complainant believes this account to be fraudulent,
  we ask that he provide a completed police report/affidavit in order for us to investigate this matter further. The report can be mailed to Commonwealth Financial Systems, Inc., 245 Main Street, Dickson City, PA 18519, or emailed to [email protected]. To prevent any delays, the CFSI Acct # should be documented on all correspondence.
  
  Please note, Commonwealth Financial Systems Inc has met all licensing requirements and maintains an active license to collect in the state of Florida. Licensing information is available to the public and can be found online within the consumer's state.

  Commonwealth Financial Systems, Inc. has provided *** ****** with both a validation letter and also an Itemized Billing Statement. We have provided consumer all necessary information required by the Fair Debt Collection Practices Act (FDCPA) and applicable State law. Commonwealth Financial Systems, Inc. believes it has met it’s standard for verification under Federal law and the investigation is complete on our end. We will continue to note the accounts as disputed.
  
  I hope my response has addressed the issues and concerns as set forth in the complaint.
  

  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.   
  

  Business Response

  Date: 08/11/2022

  Complaint ID ******** 

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

  We regret to hear ******************** found our company response to be unsatisfactory.  We at Commonwealth Financial Systems  Inc. (‘CFSI’)  strive to deliver professional and assistive service to all consumers. We hope you find the following information a sufficient response to the issues set forth in consumer’s  rejection of our initial response.
  
  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 a medical debt from services provided on 11/23/2016 by *** ********** ***,  the Original Creditor. The account was purchased by our client ** *******, the Current Creditor, who then assigned it to our office for collection. Both the validation notice sent 08/31/2021, and Itemized Billing Statement sent 01/22/2022 to consumer, provided the name of the original creditor and/or current creditor.
  
  As stated in our initial response, on 12/13/2021, we received a notice from the credit bureau the consumer is disputing the account, stating Information on Account is Inaccurate.  Our investigation found the information being reported to the credit bureau(s) was accurate. The verification of debt obtained from the current creditor was forwarded to consumer on January 22, 2022.   
  
  PLEASE NOTE: No statement was made that Commonwealth Financial Systems Inc  used consumer’s  social security card to open this account.
  
   The referenced account is no longer being serviced by our office. The account was closed  07/18/2022 and was scheduled to return to our client. A deletion request was sent to the three (3) major credit reporting agencies to remove all tradelines from credit reporting.
  
  Sincerely,
  
  Michelle H************,
  Legal/Compliance Dept.

   ** This is a communication from a debt collector.  

  Customer Answer

  Date: 08/13/2022

  [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,
  
  *****************************