Business Profile
Collections Agencies
Commonwealth Financial Systems, IncorporatedThis business is NOT BBB Accredited.
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Complaint Details
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Initial Complaint
07/14/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I’m not liable for this debt with commonwealth financial. I do not have a contract with commonwealth financial. They did not provide me with the original contract as I requested.Business response
07/28/2023
RE CFSI ACCT# *********
Dear *******,
Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint # ******** on behalf of ************************. Please be advised, Commonwealth Financial Systems, Inc. is a third-party collection agency and as such, we do not have contracts directly with consumers. We service accounts on behalf of our clients with whom we share a contract and who has purchased the account from the original creditor. The original creditor has a right to sell/charge-off accounts after they become seriously past due. While the consumer did not create the debt with the collection agency, the original creditor has sold/charged off the original debt to our client who then assigned it to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debt.
The account in question was validated on as part of a reasonable investigation and determined we are attempting to collect the debt from the correct consumer. We also requested additional documentation from the current creditor and have forwarded this information to consumer on 06/12/2023. 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 purposeInitial Complaint
07/13/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with COMMONWEALTH FINANCIAL SYSTEMS. I do not have a contract with the collection agency. They did not provide me with original contract as requested.Business response
07/28/2023
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 07/26/2023. 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
07/10/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with ********* ********** of ******. 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
07/26/2023
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 02/01/2023. 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 account was sent to be credit reported. We also requested additional documentation from the current creditor and will forward 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 she 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 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
07/10/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt from ***************** ******** ****. I do not have a contract with Commonwealth Financial Systems Inc., they did not provide me with the original contract as requested.Business response
07/27/2023
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 referenced in complaint is a medical debt that originated from emergency physicians' services rendered on 06/02/2019 to a minor child by a member of the ********* ******* **** ****, the original creditor of the account. ********* ******* **** **** later closed/charged off the account to our client, ******** ***************** ***, who has assigned the account to our office 02/06/2023. 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 7/20/2023.
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
07/09/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with ******************* ***** ****. I do not have a contract with Commonwealth Financial Systems, Incorporated. They did not provide me with the original contract as requested.Business response
07/24/2023
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 07/17/2023.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
07/08/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with ****** ********* *** *** pa. I do not have a contract with commonwealth finance. They did not provide me with the original contract as requested.Business response
07/24/2023
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 03/20/2018. 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 09/12/2022. 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 ** ******* 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
07/07/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable/responsible for this debt with ******** ********* *********, I do not have a contract with Commonwealth Financial Systems. They did not provide me with the original contract that I have requested.Business response
07/21/2023
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 07/17/2023. 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
07/06/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
JAN 9, 2023 COMMONWEALTH FINANCIAL CLAIMS TO HAVE THE RIGHT TO COLLECT ON A $2066 DEBT FOR ******* ***. ******* *** DOES NOT HAVE MY SIGNED CONSIST TO REPORT THIS UNVERIFIED DEBT ON MY REPORTS PER 12 CFR 1006.34 REGULATION F OF THE CFPB. AS I HAVE DONE MY RESEARCH I UNDERSTAND COMMONWEALTH CLAIMS TO ONLY BE A DEBT COLLECTOR AND NOT BUYER AND UNDERSTAND THEY ARE NOT IN VIOLATION OF HIPAA FOR DOING SO BUT THEY ARE IN VIOLATION OF HIPAA FOR NOT HAVING MY SIGNED CONSENT. ******* *** HAS NOT SENT ME THE APPROPRIATE DOCUMENTATION TO NOTIFY ME THAT COMMONWEALTH WOULD BE COLLECTING ON THE DEBT. COMMONWEALTH HAS NOT SENT ANY TYPE OF INITIAL COMMUNICATION OR NOTIFICATION THEY WOULD BE REPORTING DEROGATORY INFORMATION ON MY REPORTS PER THE FCRA. PLEASE DO NOT RESPOND WITH YOUR GENERIC RESPONSE AS I HAVE READ ALL OF THEM AND I KNOW I HAVE A RIGHT TO PRIVACY AND THE RIGHT TO HAVE THE DEBT VALIDATED. PLEASE REMOVE THIS UNLAWFUL ACCOUNT FROM MY REPORTS AS I ALREADY HAVE MY CORRESPONDENTS READY TO SEND TO MY STATES ATTORNEY GENERAL, THE DEPARTMENT OF JUSTICE, AND CIVIL RIGHTS GROUPS IN MY AREA TO HELP ME GET THIS UNLAW INFORMATION REMOVED MY REPORTS.Business response
07/21/2023
RE CFSI ACCT# *********
Dear *******,
Commonwealth Financial Systems, Inc.(CFSI) acknowledges receipt of Complaint # ******** on behalf of ****** *****. Please be advised, Commonwealth Financial Systems, Inc. is a third-party collection agency and as such, we do not have contracts directly with consumers. We service accounts on behalf of our clients with whom we share a contract and who has purchased the account from the original creditor. The original creditor has a right to sell/charge-off accounts after they become seriously past due. While the consumer did not create the debt with the collection agency, the original creditor has sold/charged off the original debt to our client who then assigned it to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debt.
•Please 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 ******* ********* ***** on 07/27/2018. 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.
•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 collectorInitial Complaint
07/05/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with ****. I do not have a contract with COMMONWEALTH FINANCIAL collection agency and they did not provide me with the original contract as requested.Business response
07/20/2023
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 07/14/2023. 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.Initial Complaint
07/05/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with ****** ***** **** ***. I do not have a contract with COMMONWEALTH FINANCIAL SYSTEMS, they did not provide me with the original contract as I requested.Business response
07/20/2023
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
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Customer Complaints Summary
159 total complaints in the last 3 years.
3 complaints closed in the last 12 months.
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