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:06/09/2023

  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, they did not provide me with the original contract as requested.

  Business Response

  Date: 06/27/2023

  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 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 upon receipt. 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:06/08/2023

  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'm not liable for this debt with commonwealth financial systems, I do not have a contract with ***** ***** ********** ***** , they did not provide me with the original contract as I requested.

  Business Response

  Date: 06/27/2023

  Re. CFSI Acct # *********

  Dear *******,

  This response is in relation to Complaint ID  ***** submitted on behalf of ***********************. Please be advised, following a previous dispute, Commonwealth Financial Systems, Inc. conducted a reasonable investigation of debt in question. Our investigation determined  we were attempting collection of the debt from the right individual, and that the information being furnished to the consumer reporting agencies was appropriate and accurate based on information required to be obtained under the applicable procedures.  Our office forwarded a  copy of the supporting documentation  to ****************** on May 31, 2023. 

   The record indicates. ******************  has  been provided with both a validation notice and the itemized billing statement of the original creditor. Commonwealth Financial Systems, Inc. has provided consumer all necessary information required by FDCPA and applicable State law and believes it has met its standard for verification under Federal law.

  We will continue to note the account as disputed. Should consumer have any questions with regard to the account, we can be  reached at the toll free number:  **************. 

  Respectfully,

  *********************************
  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:06/02/2023

  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 the debt with COMNWLTH FIN. I do not have a contract with ********* ********** ** ****.You guys need to handle this issue. This has been going on for a long time now that I have seen my information. That's messing my Character & name up as a person.They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attached as well, they are in major violation.

  Business Response

  Date: 06/14/2023

  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 debts.
  
  Our records found no direct contact with consumer, nor have we received any documentation pertaining to an ID theft affidavit or police report. Please be advised Commonwealth Financial Systems is no longer servicing the referenced accounts, as they were closed in our office on 06/07/2023 and scheduled to be returned to our client Although Commonwealth Financial Systems will no longer be servicing the accounts, we would like to assist complainant with resolving this matter. Should consumer provide us a copy of the police/incident report , we can forward it to our client for investigation. The report can be mailed to our office at ************************Dickson City, PA ********,or emailed to [email protected]. To prevent any delays, the appropriate CFSI Acct #'s should be documented on all correspondence. Sincerely, *****************************, Legal/Compliance Dept. **This is a communication from a debt collector.

• Initial Complaint

  Date:05/25/2023

  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'm not liable for this debit with ********************** Emergency Phys PLLC and do not have a contract with Commonwealth Financial Systems. They did not provide me with the original contact like I asked.

  Business Response

  Date: 06/01/2023

  RE CFSI ACCT# *********;*********
  
  Dear *******,
  
  Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint # ******** on behalf of ***************************. Please be advised, Commonwealth Financial Systems, Inc is a third-party collection agency and as such, we do not have contracts directly with consumers. We service accounts on behalf of our clients with whom we share a contract and who has purchased the 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 debts.
  
  We will continue to note the accounts as disputed. Should ************** have documentation or information supporting she 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 CFSI  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.
  

• Initial Complaint

  Date:05/24/2023

  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 would like to file a formal complaint against Commonwealth Financial System regarding its misconduct and violation of my rights. They affirm that I have a debt that they are trying to collect, I have requested the validation of this debt and they have not responded. I do not have any agreement or contract signed with the mentioned company. First, they sent communications to my address that appear to be bills from a medical facility, which I believe is a violation of HIPAA rules since I have never authorized them to obtain my medical information. Second, I sent a letter a month ago (April 16th, 2023 - (attached)) requesting validation of the alleged debt, demanding proof that the debt is mine, and they simply have not responded. However, they continue to report this debt to the credit bureaus. I demand the immediate removal of this inaccurate information from my credit report. The accounts number are: #*********** the amount is $1,977 and #************ amount is $1,857

  Business Response

  Date: 06/01/2023

  RE CFSI ACCT# *********;*********
  
  Dear *******,
  
  Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint # ******** on behalf of *************************. Please be advised, Commonwealth Financial Systems, Inc. is a third-party collection agency and as such, we do not have contracts directly with consumers. We service accounts on behalf of our clients with whom we share a contract and who has purchased the 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 debts.
  
  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 accounts in question are medical debts that have been placed with our office for collection. In compliance with Regulation F of the CFPB’s Debt Collection Rule, prior to credit reporting, our office sent consumer electronic notification of the debts on 11/03/2022.  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.
  
  Following notice by the credit bureaus the consumer was disputing the accounts on the basis: Not my Debt, our office conducted it's reasonable investigation and confirmed the accuracy of information in our records, and that being reported to the credit reporting agencies. A copy of the documents verifying the debts was forwarded to consumer for their record 03/23/2023. We will continue to note the accounts as disputed and have informed the current creditor of consumer's disputes.  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: 06/05/2023

  [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 established by law for the Fair Debt Collection Practices Act, (FDCPA) the company reporting the alleged debt must provide me with proof that said accounts are really mine. On 04/16/2023 I sent a communication requesting the proof and the validation of these accounts and more than a month later there has been no response, which has led me to question its accuracy and legitimacy. On May 30, 2023, I sent a new communication giving this agency an opportunity to provide the requested evidence, I await a response.
  
  Regards,
  
  *************************

  Business Response

  Date: 06/13/2023

  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, however as stated in our initial response A copy of the documents verifying the debts was forwarded to consumer for their record 03/23/2023. A review of the file found Commonwealth Financial Systems Inc, acted in compliance with the credit reporting requirements imposed by Fair Debt Collection Practices Act (FDCPA)and Fair Credit Reporting Act (FCRA).
  
  Please be aware the above referenced account# ********* is no longer being serviced by Commonwealth Financial Systems, **** (CFSI). The account was closed and scheduled to be returned to our client ******** ***************** and a request was submitted to the credit reporting agencies to remove all tradelines associated with the account from ********************** reporting. 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.

  Customer Answer

  Date: 06/22/2023

  [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:
  
  On May 24th, I sent a written communication to this company Commonwealth Finance requesting once again the validation of the mentioned account Number # ******** ** and it has not been answered accordingly. This account must be completely and permanently removed from my records.

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

  Business Response

  Date: 06/30/2023

  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 as well as subsequent response, A copy of the documents verifying the debts was forwarded to consumer for their record 03/23/2023 to the address listed by consumer in complaint. A review of the file found Commonwealth Financial Systems **** acted in compliance with the credit reporting requirements imposed by Fair Debt Collection Practices Act (FDCPA)and Fair Credit Reporting Act (FCRA).
  
  Please be advised, for the consumers convenience, we have decided to mail the verifying documents again to the address that was provided by consumer. 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:05/20/2023

  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’m not liable for this debt with emergency **** *** ** ** **. I do not have a contract with the collection agency commonwealth financial. They did not supply me with the original contract as requested.

  Business Response

  Date: 05/25/2023

  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 05/04/2023 as part of a reasonable investigation resulting from previous dispute on the account and the investigation determined we are attempting to collect the debt from the correct consumer. We will continue to note the account as disputed. 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 **** 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:05/18/2023

  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.

  Commonwealth Financial Systems, Incorporated ***************************************************** Account #: ************ Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. Commonwealth Financial Systems, Incorporated is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act (F.D.C.P.A.), 15 U.S.C. 1692 (G) Section 809 (B). This notice states that your claim is disputed and validation of the account is required: * Purchase Agreement * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING: REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $9-210. This authenticated record must include all tax filings (including all 1099's, 1096's, and 1098's) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report. 15 U.S. Code § 1692e - False or misleading representations (10)The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. In addition please provide the contract signed between Commonwealth Financial Systems, Incorporated & *** ***** ** ***., notarized and sworn under penalty and perjury for Commonwealth Financial Systems, Incorporated ability to collect this alleged debt. .

  Business Response

  Date: 05/31/2023

  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 is a medical debt for services provided on 07/12/2017 by *** ***** *** **** that has been placed with our office for collection. In compliance with Regulation F of the CFPB’s Debt Collection Rule, prior to credit reporting, our office sent consumer electronic notification of the debt on 12/01/2022.  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 account was sent to be credit reported.
  Please note licensing information is available to the public and can be found online within the consumer's state.
  A review of the file found Commonwealth Financial Systems Inc, acted in compliance with the credit reporting requirements imposed by Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). As per consumer's request, we will cease and desist collection activity in relation to the 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:05/05/2023

  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.

  received a notice that I have a collection from COMMONWEALTH FINANCIAL on my credit report. It says it was opened on 02/22/2022 for $743 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: 05/19/2023

  RE: Complaint: ********
  
  Dear *******,
  
  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of ***********************. Please be advised, Commonwealth Financial Systems, Inc. (CFSI) is a third-party collection agency that collects on behalf of our clients. The account in question is the result of medical services provided to a minor child by ******* Emergency Medicine of Broward, LLC on 10/07/2018, the original creditor of the account. ******* Emergency Medicine of Broward, 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 on 02/22/2022. This is what gives our agency the ability to collect for the outstanding debt.
  
  In compliance with Regulation F of the CFPB’s Debt Collection Rule, prior to credit reporting, Electronic notification of the debt, was sent on 8/15/22. 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.
  
  Please be aware the above referenced account is no longer being serviced by Commonwealth Financial Systems, Inc. (CFSI). The account was closed and scheduled to be returned to our client ** ******* LLC, and a request was submitted to the credit reporting agencies to remove all tradelines associated with the account from credit reporting. We hope this addresses all concerns on the part of the consumer. Sincerely ***** *********, Legal/Compliance Admin.  **This is a communication from a debt collector.  

• Initial Complaint

  Date:05/04/2023

  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.

  Date of transaction: Feb 8th 2023 Commonwealth financial Account#: ******xxxxxx ***************** Dickson City Pa ********** ************** Amount: $688.In have no recollection of this account. I didn't go to the Hospital in 2018. I think somebody used my name. Please help. Nobody will tell me what's going on. Sincerely *******************************.

  Business Response

  Date: 05/17/2023

  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 02/16/2018 by a member of the ***** ****** EMERG PHYS LLC, the original creditor of the account. ***** ****** EMERG PHYS LLC later closed/charged off the account to our client, ******** ***************** LLC, who has assigned the account to our office 02/08/2023. Following notice by the credit bureaus the consumer was disputing the account on the basis: Not my Debt, our office conducted it's reasonable investigation and confirmed the accuracy of information in our records, and that being reported to the credit reporting agencies. A copy of the document verifying the debt was forwarded to consumer for their record 5/11/2023.
  
  We encourage consumer to contact us at ************ where our professional and friendly agents can assist consumer with resolving this matter. 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:05/03/2023

  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 just realize my FICO score dropped significantly and decided to check my credit report, to find a charge of $1200 in collection and with this company's information. First of all, I have never received a bill for this debt. I called the number and a woman identified my phone number as somebody else's. I tried to get information about the supposed debt but she only wanted me to give her my SSN, address etc. I just gave her my name for her to look at the debt but she said she needed more information and was not willing to help me without it. I researched the original lender and it comes up to a hospital. Funny thing is that it is my employer! From which I have health insurance and I know I don't owe them money! I always take care of my debt and my credit score has been very good, always. I want this company to fix my report.

  Business Response

  Date: 05/17/2023

  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: 05/18/2023

  [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:

  These people are lying, if according to them, there is no link between me and the debt, how is it possible that shows on my credit report? The only thing I know is that the debt does not belong to me. And no, I am not providing this company with my personal information, if they reported me to the credit bureaus, they are supposed to have enough information to prove the debt when I dispute it, if they cannot prove it, they have to remove it from the report. My dispute to BBB is just to leave a public record (like many many other people) about this company's practices. 
  
  Regards,
  
  *************************

  Business Response

  Date: 05/26/2023

  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, we cannot move forward without information necessary to identify a record.  Should **************** decide to provide such information, we can be reached at ************.*********, . Sincerely, ***** *********, Legal/Compliance Dept. **This is a communication from a debt collector.