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:10/26/2023

  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.

  Do not know why this is in collection.have recieved no mail or phone call about this.did not know anything about it until I tried to get a bank loan and it was denied because this was on my credit report.have asked for information about this from collection agency and an itemized list about this problem they will not send me anything.they just want there money with no explation.why has it taken over 6 years to find this out.worked hard to get my credit rate up and this has ruined that.dont have any idea who or what this bill is for.would like removed from credit report

  Business Response

  Date: 11/07/2023

  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 referenced account is a medical debt that originated with *** ** *********,LTD for services provided on 01/06/2017. Our records indicate, in compliance with Regulation F, prior to credit reporting we sent consumer notification of the debt on 09/05/23 via electronic communication. We then monitored the account for a minimum of 14 days to allow for notice of deliverability issues with that address. After 14 days, when no undeliverability notice was received, the account was sent to be credit reported.
  
  Per call recording review on 10/13/2023 **************** spoke with our agent to inquire about the referenced collection account. He was provided account details as well as informed an itemized bill would be mailed out to his address. Please be advised, a billing statement was provided by the current creditor and has been forwarded to consumer on 10/24/2023. We will continue to note the account as disputed and have informed the current creditor of dispute. 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: 11/08/2023

  [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:
  

  all I have received from common wealth is a couple phone calls.they did tell me it was from emp and it was medical.i have not received any mail at all.no itemized list no info about the doctors or services provided.no emails I checked back to early September nothing there.feel I should have info about Dr's and the service they provided.and why it has taken over 6 years
  
  Regards,
  
  *********************

  Business Response

  Date: 11/10/2023

  RE CFSI ACCT# *********
  
  Dear *******,
  
  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of *********************. The account was placed with our office for collections on 08/08/2023 by ******** ***************** who is the current creditor of the account. Commonwealth Financial Systems Inc. (‘CFSI’) has no knowledge of previous agencies activity with regards to the timeliness of communication of the referenced account.
  
  We regret that **************** found our company response to be unsatisfactory, however as stated in our initial response a copy of the documents verifying the debt was forwarded to consumer. The billing statement **************** refers to was mailed to the address provided in complaint on 10/24/23. If there are any further questions, comments or concerns, consumer can reach ********** at **************.  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: 11/17/2023

  [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:
  
  well what's the next plan.still have not received any itemized list or any mail no emails just there reply to what you sent them.never heard of that other collection agency.i don't think they have a itemized list or they would have remailed i.t or sent it registered mail.so where do we go from here.

  Regards,
  
  *********************

• Initial Complaint

  Date:10/24/2023

  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 COMMONWEALTH FINANCIAL on my credit report. It says it was opened on 8/1/2023 for $645 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: 11/03/2023

  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 debts with the collection agency, the original creditor has sold/charged off the original debts to our client who then assigned them to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debts.
  
  The date reflecting on the credit report that consumer is referencing is the date we first got the account for collection. The ***** * credit reporting guidelines require that we provide that date and it is outside our control how it appears on the credit report; the formatting is that of the credit reporting agency/agencies.
  
  The account in question is the result of medical services provided by ******* ********* **********, **** on 07/18/2020. A billing statement have been provided by the current creditor and forwarded to consumer. We will continue to note the account as disputed and have informed the current creditor of consumer's dispute. *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.
  

• Initial Complaint

  Date:10/24/2023

  Type:Order 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 am not liable for this debt with ******** ******* ********. I do not have a contract with COMMONWEALTH FINANCIAL SYSTEMS, they did not provide me with original contract as requested.

  Customer Answer

  Date: 10/25/2023

  I sent original letter to creditor and did not received copy like my letter stated. I am demanding proof that it is my account as it is my right per FCRA fair credit reporting act. 

  Business Response

  Date: 11/03/2023

  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 11/01/23. 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:10/23/2023

  Type:Order 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 am not liable for this debt with *****************************. I do not have a contract with COMMONWEALTH FINANCIAL SYSTEMS. They did not provide me with the original contract, as I requested.

  Customer Answer

  Date: 10/24/2023

  Dear Sir/Madam...it is my understanding that the following applies, according to the FDCPA; "§ 809. Validation of debts (a) Notice of debt; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing— (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such 15 USC 1692g 12 § 809 15 USC 1692g verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
  
  We received NO SUCH notification from either party.  We were in the process of applying for a mortgage re-fi, when we noticed that our credit had been flagged.  As I stated in my complaint, I have no agreement, whether verbal or contractual, with the debt collection agency mentioned.  I have sent CERTIFIED MAIL request, based on this same complaint, that they immediately VERIFY the origin or the alleged debt and PROOF that my signed contract with the debt collector be verified.  I can certainly provide that information to the BBB.  As to whether the debt collector or the originator of the alleged debt is in violation of the FDCPA, in NOT notifying us, I will have to leave that to your findings.  I am happy to drop this complaint should the debt collector either 1. provide me with a copy of my signed contract with them OR 2. a verifiable notification that we did, in fact, receive the required notification as stated above.  ***********************

  Customer Answer

  Date: 10/24/2023

  Certified mail - signature receipt requested - request for VALIDATION of information contained in the filing.

  Business Response

  Date: 11/06/2023

  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. 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.
  
  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: 11/07/2023

  [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:

  As previously stated, I am looking for exactly who has validated this claim, which should include name of contact, phone or email, title and position in the originators company, as well as the specific documents that show the new holder of the alleged debt and their specific relationship to the original furnished of the alleged debt.

  Regards,
  
  ***************************

  Business Response

  Date: 11/13/2023

  RE CFSI ACCT# *********
  
  Dear *******,
  
  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of ***************************. The account was placed with our office for collections on 06/14/2023 by ******** ***************** who is the current creditor of the account. As stated in our previous response, the account was purchased from the original creditor after it become seriously past due.
  
  In compliance with Regulation F, prior to credit reporting,Electronic notification of the debt was sent on 07/03/23. 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. The letter also provided notice the consumer can dispute the debt.  We then monitored the account for a minimum of 14 days to allow for notice of deliverability issues.After 14 days, when no undeliverability notice was received, the account was sent to be credit reported. As stated in our previous response, a billing statement was also provided to consumer for review of charges.
  
  We regret that ****************** found our company response to be unsatisfactory however if there are any further questions, comments or concerns, consumer can reach our agency at **************.  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:10/23/2023

  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 dates show a recent charge, I do not owe rhis debt I have asked for proof of charges and credit. I have been involved in identity theft by my ex husband and have tried to resolve this. dates and charges are all inaccurate. I would like for them to show the dates of charges and any documents signed. furthermore if the dates are inaccurate I would like them deleted as I have been requesting documents for over 7 years

  Business Response

  Date: 11/01/2023

  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.
  

• Initial Complaint

  Date:10/22/2023

  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 is showing two collections on my credit report, I have never worked with this company or have I sign any documents with this company, for any type of service. Removal of this soon and correction as soon as possible. Thank You *********************************

  Business Response

  Date: 11/02/2023

  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 debts with the collection agency, the original creditor has sold/charged off the original debts to our client who then assigned them to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debts.
  
  The accounts in question are the result of medical services provided by ****** ****** on 05/26/2019; *** ** ******** ******,LTD on 01/25/2017 & ******** ******* ******** 01/25/2017. Billing statements have been provided by the current creditors and forwarded to consumer. We will continue to note the accounts as disputed and have informed the current creditor of consumer's disputes. *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.
  

• Initial Complaint

  Date:10/11/2023

  Type:Order 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 am not liable for this debt with The ************************* I do not have a contract with COMMONWEALTH FINANCIAL SYSTEMS, they did not provide me with the original contract as requested.

  Customer Answer

  Date: 10/16/2023

  I dont have proof I just called 

  Business Response

  Date: 10/27/2023

  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 debts with the collection agency, the original creditor has sold/charged off the original debts to our client who then assigned them to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debt.
  
  The accounts in question are the result of medical services provided by THE ********* ********* *****, PLLC on 07/24/2018 & 05/09/2021.Billing statements have been provided by the current creditor and forwarded to consumer. We will continue to note the accounts as disputed and have informed the current creditor of consumer's disputes. *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.
  

• Initial Complaint

  Date:09/30/2023

  Type:Customer Service 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 am not liable for this debt with ********** ********* *********. I do not have a contract with commonwealth financial system, they have not provided me with the original contract requested.

  Customer Answer

  Date: 10/02/2023

  I have sent a letter to commonwealth. They should have received it and sent one on 9/30/23 as well

  Customer Answer

  Date: 10/02/2023

  I have sent letters and disputes in the past. I have sent another one requesting signed contract between I and commonwealth on 9/30/23 as well

  Business Response

  Date: 10/13/2023

  RE CFSI ****# *********
  
  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 10/06/23.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. This information can be mailed to our office at 245 Main Street, Dickson City, PA 18519, or emailed to [email protected]. To prevent any delays, CFSI Acct #********* should be documented on all correspondence. 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:09/20/2023

  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 demand this account to be deleted from my credit report, I am a victim of covid19 natural disaster

  Business Response

  Date: 10/02/2023

  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 06/30/2018 by a member of the ************* EMERG PHYS LLC, the original creditor of the account. Please be aware the attachments provided by complainant are from services dated 01/03/2022 and are not relevant. A billing statement was provided by the current creditor and forwarded to consumer on 09/05/2023.
  
  We will continue to note the account as disputed and have informed the current creditor of consumer's dispute. *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.

• Initial Complaint

  Date:09/20/2023

  Type:Customer Service 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 have never entered to any kind of contractual agreement of any kind therefore I am wanting this collection account removed from my credit account.

  Business Response

  Date: 09/19/2023

  Good afternoon:

  Please be aware that ************ ********* ******* (***) has received your letter regarding the above-referenced matter. *** has no record of ******************* as a customer, and in any case, does not report customers to credit reporting agencies. 

  CFN believes your letter has been misdirected and that you may be trying to contact:

  Commonwealth Financial Systems
  245 Main Street
  Dickson City, PA  18519
  Phone:************
  Fax:************

  Thank you for your attention to this matter. 

   ***********************, 

  Paralegal

  Customer Answer

  Date: 09/19/2023

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *****

  Business Response

  Date: 10/05/2023

  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.  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. This information can be mailed to our office at 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. 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.