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:06/30/2023

  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 am not liable for this debt with ************************* **** ***********, I do not have a contract with Commonwealth Financial Systems, Inc, they did not provide me with the original contract as I requested

  Business Response

  Date: 07/18/2023

  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 accounts 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 it to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debt.
  
  In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent consumer electronic notification of the debt on 05/24/2023.  We then waited fourteen (14)days, the reasonable period of time as defined by the CFPB, to allow for notice of a deliverability issue. No undeliverable notice was received, and after 14 days the accounts were sent to be credit reported.
  
  We also requested additional documentation from the current creditor and have forwarded this information to consumer upon receipt. We will continue to note the account as disputed and have informed the current creditor of consumer's dispute. Should ******************** have documentation or information supporting he isn'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.

• Initial Complaint

  Date:06/30/2023

  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 am not liable for this debt with commonwealth financial systems, incorporated.I dont not have a contract with Commonwealth Financial Systems, Incorporated.They did not supply with the original contract as requested

  Business Response

  Date: 07/12/2023

  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 as part of a reasonable investigation and was 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 07/07/2023. We will continue to note the account as disputed and have informed the current creditor of consumer's 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.

• Initial Complaint

  Date:06/29/2023

  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 am not liable for this debt with Commonwealth Financial Systems. I do not have a contract with Commonwealth Financial Systems. They did not provide me a contract with my signature as I requested. Not only that, but they are reporting a $910 medical debt on my credit report under 3 different account numbers totaling in 3 collection reports on my credit report. All without providing me any verification proof other than a Drs name. Account numbers are as follows - ******XXXXXX, ******XXXXXX, ******XXXXXX Not only are they inaccurately reporting this debt on my credit report under 3 different accounts, their response when I asked for verification was a violation of HIPAA.

  Business Response

  Date: 07/12/2023

  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 accounts 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 it 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 ****** ********* ********** ********* **.  There are three accounts ********************** references in complaint. Each account on record is linked to it's own service date and are not duplicates.
  
  In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent consumer electronic notification of the debts.  We then waited fourteen (14) days, the reasonable period as defined by the CFPB, to allow for notice of a deliverability issue. No undeliverable notice was received, and after 14 days the accounts were sent to be credit reported. A billing statement was then provided by the current creditor and forwarded to consumer for all three separate accounts.
  
  •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.
  
  We have marked the accounts as disputed by consumer and, in accordance with the Fair Credit Reporting Act (FCRA), a request to update the tradelines for the accounts to disputed was submitted to the credit bureaus. We will continue to note the accounts as disputed and have informed the current creditor of consumer's 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.
  

• Initial Complaint

  Date:06/29/2023

  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 am not liable for this debt with *** ** ******** ********** i do have a contract with COMMONWEALTH FINANCE.they did not provide me with the original contract as i requested.

  Business Response

  Date: 07/10/2023

  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:06/27/2023

  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 information from you attempting to collect an alleged debt with account number *********** . YYour initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where’s my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. If you fail to comply with this complaint, I may turn the matter over to an attorney.

  Business Response

  Date: 07/05/2023

  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: 07/06/2023

  [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 have given the information on my credit report i want this account deleted immediately the last four number of ss# is ****
  
  Regards,
  
  ***********************
  

  Business Response

  Date: 07/17/2023

  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 accounts 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 it to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debt.
  
  •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.
  
  The account in question is the result of medical services provided by ************ ***** **** LLC on 11/13/2016. In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent consumer notification of the debt.  We then waited fourteen (14) days, the reasonable period as defined by the ***** to allow for notice of a deliverability issue. No undeliverable notice was received, and after 14 days the account was sent to be credit reported.
  
  •As per consumer's request, we will cease and desist collection activity in relation to the debt and return it to our client, informing them Commonwealth Financial Systems will no longer be servicing the account. 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

• Initial Complaint

  Date:06/25/2023

  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 am not liable for this debt with **************** **** Pllc, I do not have a contract with COMMONWEALTH FINANCE, they did not provide me with the original contract as I requested

  Business Response

  Date: 07/05/2023

  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:06/25/2023

  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 am not liable for this debt with ******* ************** **** LLC, I do not have a contract with Commonwealth Financial Systems Incorporated, They did not provide me with the original contract as i requested.

  Business Response

  Date: 07/10/2023

  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 as part of a reasonable investigation and was 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 06/14/2023. We will continue to note the account as disputed and have informed the current creditor of consumer's 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: 07/10/2023

  [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:
  
  Regards,
  
  *********************************
  

  Customer Answer

  Date: 07/26/2023

  [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:
  

  This balance does not belong to me. I have talked with them multiple times and they can't send me any proof that the person in said collection is indeed me. No such reference or copy of what exact services I received I have since reached out to the original creditor and found out that I have never even seen that doctor at all, also I was completely 100 percent covered by my medical insurance and did not have one unpaid medical service that year I was also resolving a stolen identity case with the IRS during this time I believe this case is mistaken identity or fraud by another person I ask again that this be removed from credit report as it does not belong to me.
  
  
  
  Regards,
  
  
  
  ********* ******* 

  Business Response

  Date: 08/01/2023

  RE CFSI ACCT# *********
  
  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 A copy of the documents verifying the debt was
  forwarded to consumer for their record 06/14/2023. As this information stated,
  the referenced account is the result of emergency physicians' services provided
  on 04/22/2017 by ******* **** ***** **** LLC, the original creditor of the
  account. ******* **** ***** **** LLC, later sold/charged off the original debt
  to our client after it had become seriously past
  due.                                                                                                                               
  
  Prior to credit reporting, our office sent written
  notification of the debt to consumer in an electronic communication on
  05/01/2023. 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. 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.
  
  Should complainant believe account to be fraudulent our
  client requires a copy of police/incident report or affidavit of ID theft with
  respect to this specific debt being collected. As well should *** ******* have
  proof of coverage or additional insurance information , we ask he submit in one
  of the following ways: a copy of FRONT-AND-BACK of insurance card-OR- an
  eligibility letter showing coverage on the date of service, 04/22/2017. 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.
  
  

• Initial Complaint

  Date:06/17/2023

  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 have received no information from the "Shell" companies ******* or Commonwealth Financial Systems. Upon further review, I found that these companies are somehow affiliated or owned by *******************************, LLC. When searched, Commonwealth and ********** have the same physical address out of PA. It should be noted when trying to contact ******* through the number listed to ******** as well as when contacting Commonwealth Financial Systems, both numbers serve no purpose and disconnect the call immediately. There are no prompts to move forward or speak to a representative. It was not until I found a different number for ************************************** that I was able to leave a voicemail.My story is this. Recently, in May and June of 2023, Commonwealth Financial Systems has placed an account in collection on my credit report. This false report was detrimental to my credit and resulted in over a 20-point decrease in my credit score I disputed the account with ********, the next day the results came back as verified. However, this cannot be the case for two reasons 1) I am a retired military commander with the highest level of coverage. Furthermore I am a 100% disabled veteran with full coverage for any care that is necessary for my health. In all cases I immediately notify the VA if I have any admissions to hospitals so that all care is covered However the only way a medical billing error could have occurred is if they inaccurately billed the federal government for proper payment creating a false balance. I have inspected both military and civilian hospitals my entire career and I can tell you billing errors are extremely problematic. Especially due to lack of follow through and knowledge from the facility 2) I have recently contacted every medical facility in Las Cruces NM including Three Crosses, Memorial and Mountain View and many Dr's offices that have ALL reported I have a zero balance I want this resolved and removed immediately ************************* ********** ****** Acct #

  Business Response

  Date: 07/03/2023

  RE: Complaint: ********
  
  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.
  
  Commonwealth Financial Systems, Inc. (CFSI) is a third-party collection agency that collects on behalf of our clients, most of whom are medical debt buyers. The account in question is the result of medical services provided by ******** LLC on 09/19/2018, 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.
  
  In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, Electronic notification of the debt, was sent on 4/20/23. 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. A copy of the document verifying the debt was forwarded to consumer for their record 6/29/2023.
  
  ******************** spoke with our agents twice on June 19th and again on June 23rd and stated he had 3 different insurances that he felt should have covered this service date. Our agents explained the account details and informed him we would place the account in a disputed status. Our agent also provided ******************** with an address where he can send copies of those insurances for us to provide to our client for further investigation.
  
  In an effort to resolve the complaint, we again ask ******************* submit relevant insurance information in one of the following ways: a copy of FRONT-AND-BACK of insurance card-OR- an eligibility letter showing coverage on the date of service, 09/19/2018. This information can be mailed to our office at: 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 relevant correspondence. We will forward the information to our client for review, and if eligible, they will seek to resolve the debt with the insurance company. 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:06/16/2023

  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, ********* *** ***** ** ** ** , I do not have a contract with Commonwealth finance, they did not provide me with the original contract as i requested. Also, Pursuant to 18 USC 8,l owe no debt. This company, Commonwealth finance, is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Commonwealth finance has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

  Business Response

  Date: 07/03/2023

  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 accounts 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 it to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debt.
  
  In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent consumer electronic notification of the debts.  We then waited fourteen (14) days, the reasonable period of time as defined by the ***** to allow for notice of a deliverability issue. No undeliverable notice was received, and after 14 days the accounts were sent to be credit reported.
  
  We also requested additional documentation for all accounts from the current creditor and will forward this information to consumer upon receipt. We will continue to note the accounts as disputed and have informed the current creditor of consumer's dispute. Should **. **** have documentation or information supporting he isn't responsible for the debts, 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 **** Acct #s ***************************** 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.

  Customer Answer

  Date: 07/05/2023

  [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 stated the original creditor has legal right to sell an account to collections.  Also as stated the collection company has the right to buy such account at their own risk. As stated the collection agency has no contract with **. ***** therefore ** ********** is under any obligation to pay a collection. Furthermore afore said collection agency has never sent proof that such contract between ** **** and the collection agency exists. Neither has any proof been shown to prove ** **** owns, or owes any such debt.  Therefore, any and all further attempts to collect this debt from **.**** will be considered harassment and this case will be sent to the Attorney General for further action against the collection agency 
  
  Regards,
  
  **. ****
  

  Business Response

  Date: 07/13/2023

  RE CFSI ACCT# *****************************
  
  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. As per consumer's request, we will cease and desist collection activity in relation to the debt and return it to our client, informing them Commonwealth Financial Systems will no longer be servicing the account. 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
  

• Initial Complaint

  Date:06/12/2023

  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.

  RE: Notice to Cease and Desist To whom it may concern, This is in reference to the collection letter sent by your company via mail with opening date 12/27/2022. While checking the above letter, it came to my notice that your company has contacted me prior in regard to the alleged debt via mail and telephone. According to 15 USC 1692a (2), the term “Communication” means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation “Any medium” includes any oral, written, electronic, or other medium. Therefore, contacting me by telephone or by mail will amount to communication as per Fair Debt Collections Practices Act (FDCPA). Pursuant to my rights as per 15 USC 1692c (c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, mails, emails, social media, or any Consumer Reporting Agency. Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act (FDCPA). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation. Sincerely, Name:  ***********************

  Business Response

  Date: 06/27/2023

  Re. CFSI Acct # *********

  Dear *******, 

  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of Complaint ******** submitted on behalf of ***********************. In the attached letter, **************** identified the subject account  as having originated with Creditor: ** ******, assigned an account number beginning with  ******** , and having a balance due of $ 400.00. Please be advised, the account in our office is a medical debt that resulted from services provided on 03/27/2015, by ******** **********************, who is the original creditor. The account was assigned to our office for collections on 05/11/2021. Though a different account, we will honor ****************'  request to Cease & Desist any further communications with regard to the above referenced account. 

  Sincerely, 

  *********************************,
  Legal/Compliance Dept.
  ** This is a communication from a debt collector