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Initial Complaint
09/20/2023
Complaint Type:
Customer Service Issues
Status:
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.
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
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 response
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
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 accountmanager@cfsi-arm.com. 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
09/05/2023
Complaint Type:
Service or Repair Issues
Status:
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.
COMMONWEALTH FINANCE Aug. 29, 2023 I do not have a contract with this company
Customer response
09/06/2023
COMMONWEALTH FINANCE is reporting to my credit report and causing me harm I do not have a contract with this company i don't understand how the have my information.
Business response
09/19/2023
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 response
09/21/2023
My birthday is ********** my last four is ****
Customer response
09/25/2023
[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:

My birthday is ********** my last four is ****

Regards,

*****************************
Business response
10/02/2023
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 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. 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
08/29/2023
Complaint Type:
Billing Issues
Status:
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.
This company never reached out to me they just furnished the alleged debt to my consumer report which I'm aware is a violation of the FDCPA I don't even know where this alleged debt comes from, but I refuse to pay the debt. I'm trying to resolve this matter before escalating to litigation.
Business response
09/06/2023
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
08/23/2023
Complaint Type:
Service or Repair Issues
Status:
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.
I noticed that Commonwealth Financial Systems is reporting to the three major credit bureaus. I have never conducted business with this company so I sent a letter requesting debt validation. It has been more than 30 days and the company has refused to send me any debt validating documents Please note that an itemized statement is NOT debt validation. This company has never notified me that 646.00 was due. This company did not have permission to access my medical records, medical billing statements, social security number, name, date of birth, address, phone number, or any other personal identifier. This is my final attempt to having this debt deleted from my credit report before I file a small claims suit in Harris County court. This company has 30 days remaining before this matter is litigated in the court of law.
Business response
08/30/2023
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
08/23/2023
Complaint Type:
Billing Issues
Status:
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.
I never did any business with this company nor do I owe any other company besides the companies I am in good standing with, This company is showing on my credit report as a collection and this not my debt.. I have records of everything and I also been scam which I have the police report of that situation.. Show me proof that debt belongs to me or take that debt off my credit report !!!
Business response
09/01/2023
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
08/22/2023
Complaint Type:
Order Issues
Status:
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.
I am not liable for this debt with ****** *********, I do not have a contract with Commonwealth Financial Services. they did not provide me with the original contract as I requested.
Customer response
08/23/2023
I contacted by phone. The address that they had on file did not match mine. And the phone number didnt either. They stated that it was my info, which i never lived in the city or state they had on file. I am currently in ******, when this account was opened they claimed that it was me who opened it.
Business response
09/05/2023
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
08/20/2023
Complaint Type:
Service or Repair Issues
Status:
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.
I'm not responsible for this debt from ********* *****. I have no knowledge of any agreements or contracts with Commonwealth Financial Systems.
Business response
08/28/2023
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
07/28/2023
Complaint Type:
Billing Issues
Status:
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.
I dispute any liability for the alleged debt with ********* ********** ** *******. I have not entered into any contractual agreement with COMMONWEALTH FINANCIAL SYSTEMS. As a matter of my rights under the Fair Debt Collection Practices Act (FDCPA) and other applicable laws, I had previously requested the original contract from them but they failed to provide it.
Business response
08/09/2023
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 the result of medical services provided by ********* ********** ** ******* ******* on 12/05/2018. 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 02/01/2023. 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 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 CF Medical 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.
Customer response
08/15/2023
[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 dispute any liability for the alleged debt with ********* ********** ** ***************. I have not entered into any contractual agreement with Commonwealth Financial Systems, Inc. (CFSI). As a matter of my rights under the Fair Debt Collection Practices Act (FDCPA) and other applicable laws, I had previously requested the original contract from them but they failed to provide it.

I kindly request that the necessary measures be taken to rectify my credit report. It has come to my attention that Commonwealth Financial Systems, Inc. (CFSI) has officially confirmed their disassociation from the management of the aforementioned account. In light of this information, I am formally requesting the removal of said account from my credit report. Your prompt attention to this matter would be greatly appreciated. Thank you.

Regards,

***********************
Initial Complaint
07/26/2023
Complaint Type:
Billing Issues
Status:
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.
This company is going against credit laws tremendously. 1.I have never had an account with this company COMMONWEALTH FINANCE, REMOVE from all credit agencies from reporting. 2.“consumer” means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code §1692a (3) 3.This letter is in pursuing 15 U.S. Code §1692c (c) Ceasing communication 4.I am the “consumer” mentioned in 15 U.S. code §1692a (3) You are COMMONWEALTH FINANCE the debt collector 15 U.S. Code1692a (5) I am invoking specified remedies under use 15 U.S. code §1692c (c) (2) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code §1692c (c) (1) 5.I am the executor under the 15 U.S. Code §1692c (d) pursing to 15 U.S. Code §1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) (2) and (4) 6.According to 15 U.S. Code §1962e (8) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code §1692e (12) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code §692f Unfair practices (8) 9.While pursuing to §1692g (b) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code §1692k Civil Liability (a) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of— (1) (2) (A) (B) (3)
Business response
08/02/2023
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
07/24/2023
Complaint Type:
Billing Issues
Status:
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.
Commonwealth Finance is reporting a debt that should not be reporting as a collection account on my credit file. I have filed for financial aid with the hospital directly, therefore they need to remove/fix these collections on my credit.
Business response
08/09/2023
RE CFSI ACCT# *********;*********;*********

Dear *******,

We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of ***************************. The above referenced accounts were 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 accounts in question are the result of medical services provided by ******** ********* ********, the original creditor of the account. ******** ********* ******** later sold/charged off the original debts to our client after they had become seriously past due. Our client, acquiring all ownership rights upon purchase, including the rights to collect on the accounts, has assigned the accounts to our office for collection.

In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent consumer electronic notification of the debts on 07/03/2023. 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. The supporting documents were forwarded to consumer. We will continue to note the accounts as disputed and have informed the current creditor of consumer's dispute.

Should ************** have documentation showing proof of coverage for relevant dates of service, we will gladly forward it on to our client for review. This information can be mailed to: Commonwealth Financial Systems Inc., 245 Main Street, Dickson City, PA 18519; -or emailed to: accountmanager@cfsi-arm.com. . 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.

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