| 12/06/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I informed Commonwealth Financial Systems, Inc. about a complaint XXXX XXXX I made on this CFPB website to XXXX XXXX XXXX mentioning them in the complaint. I informed a CommonWealth Financial Systems supervisor by the name of XXXX ext XXXX XXXX about this complaint. Which the very first time I spoke with her. I told her that she was violating my rights because I have already took the proper legal actions about this situation. I informed her the CFPB complaint number and a brief explanation of why my rights where being violated. Which I guess she didnt take me very seriously. So, this being the beginning of this complaint. I am copying and pasting some of this complaint I made on XX/XX/XXXX. Reason being because I have spent enough time and energy on this whole situation, I am trying to keep my frustrations and stress down the best I can with knowing already how much damage and harm this already has done to me. This is a very good explanation of what happen and how this situation got here. Which I will pick up to add the small details what happened after this complaint was done.
Less than a year ago, I obtained my first secured credit card to establish my credit history. In doing so, I got my credit to start to rise. You will see me only doing positive actions to build my credit up. Until I noticed a sudden drop in my credit score and was startled to see that there were two alleged debts on my XXXX XXXX report. With the company named XXXX XXXX XXXX which it says it was reported on XX/XX/XXXX. These alleged debts were supposedly owed to XXXX XXXX XXXX XXXX XXXX for XXXX and XXXX XXXX XXXX XXXX XXXX for XXXX. Which it states that "XXXX XXXX XXXX" had these 2 alleged debts opened since XX/XX/XXXX(XXXX XXXX). I will provide the screenshot of that. Which I never have heard of any of those companies or any alleged debts. The very first time I ever even saw or found out about them where off my app. I never received phone calls or mail to my address (which is public info). As a responsible consumer, I did research and took immediate action by requesting a validation letter from "XXXX XXXX XXXX" on XX/XX/XXXX. This request was made to ensure the legitimacy of the alleged debts. Incredibly, within approximately 30 days of this request, the derogatory marks associated with these alleged debts were removed from my credit report, resulting in an improvement to my credit score. This situation led me to believe that the matter was resolved, as the alleged debts were removed following my request for validation. However, my credit score recently dropped XXXX XXXX XXXX once again in early XX/XX/XXXX. When I looked at what was going on. I discovered that the very same alleged debts, which I had previously successfully disputed and had removed from my credit report, had reappeared under the name "COMMONWEALTH FINANCIAL SYSTEMS". These entries were reported on XXXX XXXX XXXX, and the screenshot will show it has been opened since XXXX XXXX XXXX and corresponded to the exact amounts and creditors as mentioned earlier. I firmly believe that these actions by the debt collection entities constitute clear violations of consumer protection laws, including but not limited to: 1. Fair Debt Collection Practices Act (FDCPA): Failure to provide a debt validation letter upon request, violating my right to dispute and validate alleged debts. -Reporting unvalidated debts to major credit bureaus, resulting in damage to my credit history and score. -Failure to contact me within five days of acquiring the alleged debts, as required by the FDCPA. 2.Health Insurance Portability and Accountability Act (HIPAA): -Improper sharing of medical information, as the alleged debts were related to medical services provided by the creditors. 3.Consumer Financial Protection Bureau (CFPB) Regulations: -Unlawful reporting of unverified debts to credit bureaus. -Failure to comply with proper debt collection procedures as outlined by the CFPB. In light of these violations, I am making this formal complaint. I have screenshots off my XXXX XXXX which will show all dates my scores went up and went down. Also, it will show that this "XXXX XXXX XXXX" with the details and prices of the alleged debts. Then the screenshots of those debts being off my credit. Then the screenshots of now this new company "COMMONWEALTH FINANICAL SYSTEMS INC." with these same amounts of alleged debts and details. Which again, I had to find out by my credit app. I also will attach the request of validation letter I sent to XXXX XXXX XXXX. So, I will upload or attach all documents that shows any evidence. Which you will get a more clear picture of what a negative impact this situation is doing to my credit twice now, and to me when I was trying to resolve the issue properly. In all the attachments, they might seem like certain ones dont show evidence but look closely at dates and everything and you will be able to add up all the evidence. It will show XXXX XXXX XXXX had the same alleged debt posted. Then my validation letter I sent to XXXX XXXX XXXX which they failed to do so. Then the alleged debt getting off my credit. I gave XXXX XXXX XXXX a chance to validate it when they were representing the alleged debt. Which they did nothing but take it off my credit after they failed to validate it. Then, to hurt my credit for the second time. CommonWealth Financial Systems started representing the debt after I got that alleged debt off. With the same details of those alleged debts(companies and amounts, ect.)I couldnt believe that this was happening to me.
Now I will add the few things that was not mentioned above that matters. After that complaint to XXXX XXXX XXXX. Their response to the complaint was RE CFPB COMPLAINT ID XXXX XXXX XXXX. Thank you for your inquiry and the opportunity to respond to any issue a consumer may have with XXXX XXXX XXXX. From our investigation of the CFPB complaint log, the facts we currently understand are: We were assigned two accounts by our client, on XXXX XXXX XXXX XXXX, under the name of XXXX. Upon request from our client, the accounts that were closed and returned to our client on XXXX XXXX XXXX. Following the CFPB complaint, we have submitted the accounts for credit deletion, and the modification will show up in the subsequent reporting cycle. If we can be of further assistance, please feel free to contact us at XXXX. Sincerely, XXXX XXXX XXXX
After around a little more than a month went by I contacted CommonWealth Financial Systems which is when I spoke to that supervisor XXXX ext XXXX the first time. Like I said above, I told her that she was violating my rights because I have already took the proper legal actions about this situation. I informed her the CFPB complaint number and a brief explanation of why my rights where being violated. Before we got off the phone she told me she would be contacting me back after I guess she was going to check out the information I told her. She also gave me the name of the original creditor which before that I never heard of. She told me it was XXXX XXXX XXXX So, with me going back in fourth using up my time and energy on something I knew I already have taken care of by law. Which the evidence will show. Its unbelievable how little consideration this company and others have had for me. So, while waiting for this supervisor to get back to me. I made a complaint XXXX XXXX to XXXX XXXX XXXX on XXXX on the CFPB website as well. So, your company can see how serious this matter is and how much it truly damages people. Here is the complaint I sent to them. I have stuck by the law in every way dealing with this issue that I just found out that XXXX XXXX XXXX was the actual head of this snake with my issue that I already have handled by law. For that sake that I just found out that they where the original creditors I am giving them the opportunity for them to delete these debts that I already have proved in CFPB Complaint ID XXXX of how many different times they have broke in violated the Laws that Protect me and for a very good reason this being one of them. I am done wasting anymore of my time because with this being the last time before I take the legal actions that are necessary. I will attach a copy of the complaint that i just copied and pasted to a word document because your company can look up the Complaint ID with all the attachments and evidence I provided already. I apologize for being a little frustrated as I have Proved everything with solid evidence already. Here is the complaint so your company gets some details which you can look at all the evidence I provided on the CFPB website. Less than a year ago, I obtained my first secured credit card to establish my credit history. In doing so, I got my credit to start to rise. You will see me only doing positive actions to build my credit up. Until, I noticed a sudden drop in my credit score and was startled to see that there were two alleged debts on my XXXX XXXX report. With the company named "XXXX XXXX XXXX" which it says it was reported on XXXX XXXX XXXX. These alleged debts were supposedly owed to XXXX XXXX XXXX XXXX XXXX for XXXX and XXXX XXXX XXXX XXXX XXXX for XXXX Which it states that XXXX XXXX XXXX had these 2 alleged debts opened since XXXX XXXX XXXX(XXXX XXXX). I will provide the screenshot of that. Which I never have heard of any of those companies or any alleged debts. The very first time I ever even saw or found out about them where off my app. I never received phone calls or mail to my address(which is public info). As a responsible consumer, I did research and took immediate action by requesting a validation letter from XXXX XXXX XXXX on XXXX XXXX XXXX. This request was made to ensure the legitimacy of the alleged debts. Incredibly, within approximately 30 days of this request, the derogatory marks associated with these alleged debts were removed from my credit report, resulting in an improvement to my credit score.This situation led me to believe that the matter was resolved, as the alleged debts were removed following my request for validation.(Which they never Validated) However, my credit score recently dropped XXXX XXXX XXXX once again in early XXXX XXXX. When i looked what was going on. I discovered that the very same alleged debts, which I had previously successfully disputed and had removed from my credit report, had reappeared under the name "COMMONWEALTH FINANCIAL." These entries were reported on XXXXXXXX XXXX XXXX, and the screenshot will show it has been opened since XXXX XXXX XXXX, and corresponded to the exact amounts and creditors as mentioned earlier.I firmly believe that these actions by the debt collection entities constitute clear violations of consumer protection laws, including but not limited to: 1.Fair Debt Collection Practices Act (FDCPA): Failure to provide a debt validation letter upon request, violating my right to dispute and validate alleged debts. -Reporting unvalidated debts to major credit bureaus, resulting in damage to my credit history and score. -Failure to contact me within five days of acquiring the alleged debts, as required by the FDCPA. 2.Health Insurance Portability and Accountability Act (HIPAA): -Improper sharing of medical information, as the alleged debts were related to medical services provided by the creditors. 3.Consumer Financial Protection Bureau (CFPB) Regulations: -Unlawful reporting of unverified debts to credit bureaus. -Failure to comply with proper debt collection procedures as outlined by the CFPB. And now, the section 5 of the Federal Trade Act for my understanding. In light of these violations, I am making this formal complaint. I have screenshots off my XXXX XXXX which will show all dates my scores went up and went down. Also, it will show that this XXXX XXXX XXXX with the details and prices of the alleged debts. Then the screenshots of those debts being off my credit. Then the screenshots of now this new company "COMMONWEALTH FINANICAL" with these same amounts of alleged debts and details. Which again, I had to find out by my credit app. I also will attach the request of validation letter I sent to XXXX XXXX XXXX. So, I will upload or attach all documents that shows any evidence. Which you will get a more clear picture of what a negative impact this situation is doing to my credit twice now, and to me when I was trying to resolve the issue properly. Thank you, I hope now uploading what I need to wont be a issue. Well get it handled one way or other. In all the attachments, they might seem like certain ones dont show evidence but look closely at dates and everything and you will be able to add up all the evidence. It will show XXXX XXXX XXXX had the same alleged debt posted, then the letter I wrote them, them no validating it, then it getting off my credit, then this other CommonWealth Financial went after I got that alleged debt off and gave them a chance to validate it. Which they did nothing but did take it off my credit. Then it will show CommonWealth Financial with the same alleged debts and details(companies and amounts, ect.). Thanks That was the complaint. I hope your company takes this matter serious and looks at the complaint to see all attached evidence to prove all of it. I will attach a few things But that original complaint took me a very long time to get everything perfect which i will take the time to get it right if I do have to make the proper legal actions against your company. Hopefully it does not come to that. I thank you for your time.
This was their response to that complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX acknowledges receipt of your complaint and welcomes the opportunity to respond to your concerns. The accounts referenced in your complaint are the result of emergency room physicians services that were provided on XXXX by the original creditor XXXX XXXX XXXX XXXX XXXX, as well as on XXXX by the original creditor XXXX XXXX XXXX XXXX. We have reviewed your complaint in detail, and we have decided to close these accounts to prevent any future collection activity from occurring. Additionally, we have instructed Commonwealth Financial Systems, Inc (CFSI) to close the accounts from their system as well, and to submit a request to the credit bureaus to have any listings of these accounts removed. You will no longer be contacted regarding these accounts, and they will not be sent to the credit bureaus to be listed on your credit report in the future. We feel this should address your concerns regarding this matter.
As much damage, harm, energy, stress and time ect. this all has cost me. The last sentence in XXXX XXXX XXXX response was We feel this should address your concerns regarding this matter. Which to me is unbelievable, especially with what I wrote in the complaint where it ask what is a possible way to resolve this issue fairly or something similar to that (it only shows what Im talking about when you file the complaint on the CFPB website). The point is, Commonwealth Financial Systems and the other companies involved cant even get close to undoing the damage and everything it truly cost me. A very high possibility your company has not even truly thought about how much it affects peoples lives. This complaint is to your company CommonWealth Financial Systems though. So, meanwhile, while I was waiting for your companys supervisor to call back. Your company sent me debt validation letters when I never asked for them to be sent. In these letters it states exactly Attached is an itemized statement that you requested regarding the above identified debt that has been placed in our office for collection by the current creditor. To prove I never asked for this now, evidence that your company kindly sent me. I have a recorded call when your companys supervisor called me back which I will upload to this complaint. With me even asking her why she would have you company send them to me. As well as the evidence of these debt validations I never asked for because your company should have done what was necessary to know that this whole issue I already have handled by law. Which is why XXXX XXXX XXXX responded the way they did. I will attach all evidence that will show your company everything that is needed to understand the harm, damages, stress, energy, time, ect it has done to me. So, I dont have to put any more time, energy, etc. into this complaint. I am not going to state every last one of the Consumer Protection Laws & Acts your company has violated. Nor all the Uniform commercial codes or the U.S. codes that violated my rights as well. I hope your company understands that just by having and sending these debt validations when I didnt even ask for them. Is identity theft. I never gave anyone consent at any time to have the information you sent to me which is evidence now. Also, I never gave permission to have or report any information to any of the 3 major credit bureaus. To any company in that matter. Please see this complaint as me trying to handle this situation in a fair manner. I hope your company takes this matter very seriously knowing the damage that your company has caused. If we cant come to a fair agreement, I will have no other choice but to take legal action. I am requesting to be contacted by mail only so please respect my wishes. My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX. I will look for your response to the CFPB complaint knowing that I should be getting mail from your company any day after responding (just letting me know you responded, and your companys full correspondence is in the mail). Please put a manager or your registered agents contact info in the CFPB complaints response for me to be able to call so there can be no excuse if by some crazy reason I dont get your response in the mail. I hope we can handle this situation fairly quickly so there is no more harm done and so I can try to put this behind me. God knows how much it has affected me already. Thank you for your time. I know how much it means to me. If you see one screenshot that looks like the same. It is just one of them is from XXXX and one is from XXXX. It all uploaded fine even the recorded call with the supervisor. So, cant be no excuses not to see it all.
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| 07/19/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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NOTICE From : DATE:XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Hereinafter collectively referred to as Claimant To : COMMONWEALTH FINANCE Hereinafter collectively referred to as RESPONDENT, you, your company RE : Alleged account that is not mine XX/XX/XXXX NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern I RECENTLY PULLED MY CREDIT FILE AND SEEN THAT THIS ACCOUNT DOES NOT BELONG TO ME. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as DELETED ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally DELETED ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on XX/XX/XXXX by, __ XXXX XXXX XXXX XXXX
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| 11/19/2022 |
No |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear XXXX I am writing in response to a failure to validate on multiple accounts, copy is enclosed.
I sent Commonwealth finani and XXXXXXXX XXXX XXXX ( XXXX ) a letter through XXXX explaining that I do not believe I owe what they say I owe and, in accordance with the Fair Debt Collection Practices Act, XXXX5 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I will attract a copy of the letter to this letter.
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt.
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }.
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA.
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX XXXX
Signature here XXXX XXXX Request and response with nothing sent to me as a validation, XX/XX/XXXX YOUR COMPLAINT In accordance with the Fair Credit Reporting Act : Account Name : Commonwealth finani, Account Number : XXXX has violated my rights ; I, XXXX XXXX, as a consumer, living man, and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), the term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to FCRA/15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, I do not give permission for any credit reporting agency nor have given written instruction for XXXX & XXXX and any associated accounts to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, negative, adverse, and discriminatory, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person Commonwealth finani and all credit reporting agencies must adhere to my consumers right to privacy. Per 15 USC 1681a ( e ), The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All credit reporting agencies are mandated by federal law to verify consumer information by issuing an investigative consumer report that adheres to 15 USC 1681a ( e ). My wife has tried to resolve this but they said they will not send information to a third party which is strange because a " third party '' is trying to collect money from an account that is not mine. Please look in to this. Thank you Re. CFSI Acct # XXXX This response is in relation to CFPB Complaint ID XXXX submitted on behalf of XXXX XXXX XXXX We at Commonwealth Financial Systems Inc. ( CFSI ) take our consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions. I personally conducted a full file review and believe the following information will address the issues and concerns set forth in the complaint. The account in question is the result of XXXX XXXX XXXX XXXX provided on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX by the XXXX XXXX XXXX XXXX. Prior to credit reporting, our office sent XXXX XXXX a notification of the debt in an electronic communication. The notification was sent on XX/XX/XXXX. ( I never received it ) In accordance with Regulation F, the account was monitored for a minimum of 14 days to allow for notice of deliverability issues with that email. ( It has now been 29 days since the first notice to cfpb, requesting validation and they have failed to validate this account ) No undeliverability notice was received to indicate an issue. On XX/XX/XXXX, our office received a notice from the credit bureaus the consumer was disputing the debt. In response to the dispute, Commonwealth Financial Systems Inc conducted a reasonable investigation, obtaining verification of the debt in the process, and confirmed the accuracy of the information being credit reported. The supporting document was forwarded to the consumer on XX/XX/XXXX. The Fair Credit Reporting Act ( FCRA ) provides written instruction by which information can be credit reported. A review of the file found that Commonwealth Financial Systems Inc acted in compliance with the requirements imposed by Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I hope my response has addressed the issues and concerns as set forth in the complaint. We will continue to note the account as disputed and thank you for the opportunity to respond to Complaint XXXX. Sincerely, XXXX XXXX, XXXX XXXX. **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.
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter-certified signature requests. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
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| 12/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH. REAGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY. PLEASE DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re-age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof where accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed three years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows : CommonWealth Finance has an accounts that they have been re-aging. In the state that I reside, the law states that a debt can only be collected for
three years and said debt can not be re-aged and/or reported as open per FCRA rules and guidelines. Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 )
Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks, happy holidays XXXX XXXX XXXX
|
| 02/22/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. COMMONWEALTH FINANCE bal. {$950.00} 2. COMMONWEALTH FINANCE bal. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX CC : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 05/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. COMMONWEALTH FINANCI bal. {$620.00} 2. COMMONWEALTH FINANCI bal. {$620.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : TU- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 03/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. COMMONWEALTH FINANCI bal. {$250.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the d
ate receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX Iowa XXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 02/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. COMMONWEALTH FINANCI bal. {$560.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX .
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 03/09/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. XXXX XXXX XXXX {$750.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 05/29/2021 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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I received a notice on my consumer reports alert. A company named XXXX XXXX XXXX XXXX and another debt collection company by the name of COMMON WEALTH FINANCE reported to my consumer report on XX/XX/2020. I have never once opened an account with any of these companies, my information has been in XXXX and XXXX breach and my information has been compromised. I did my research to see that this was a medical debt. I also contacted both companies including the credit bureau to notify that this account is in litigation and I am awaiting to send out a notice on intent to sue letter in the coming days. I am not serving but this is in fact a letter of intent to sue. The reason being is that my rights have been violated. Yes indeed my consumer rights have been violated several times, and I can state each violation by law. According to the law, 15 usc 1692 There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. The company continuously sent me letters and post cards of bills I didn't owe. 15 usc 1692b statue states by law, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 usc 1692c congress states, ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; 15 usc 1692d Harassment or abuse LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER V 1692d 15 U.S. Code 1692d - Harassment or abuse U.S. Code Notes prev | next 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 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
Releasing Patient Information to an Unauthorized Individual An authorization form must be obtained from a patient before any of their PHI can be disclosed to a third party for a purpose other than one expressly permitted by the HIPAA Privacy Rule. Disclosing PHI for purposes other than treatment, payment for healthcare, or healthcare operations ( and limited other cases ) is a HIPAA violation if authorization has not been received from the patient in advance.
Healthcare employees must ensure that prior to disclosing PHI to a third party that authorization has been obtained from the patient and information is not disclosed to any individual or company that is not included on the authorization form. Authorization forms are only valid if they have been signed by the patient or their nominated representative.
Releasing Patient Information Without Authorization In a similar vein to the previous point, healthcare employees must also exercise caution about the types of information that are released to third parties, even if an authorization form has been received allowing a specific individual, company, or organization to receive PHI.
The authorization form should include what types of information have been authorized to be released. Any information that is not detailed on the authorization form must remain private and confidential and should not be shared. The disclosure of additional information would violate the HIPAA Privacy Rule. Impermissible Disclosures of Patient Health Records The HIPAA Privacy Rule permits patients to obtain a copy of their health records on request or have their records provided to a nominated third party such as a personal representative or other individual. If not collected in person by the patient, the third party must have been given authorization by the patient on a HIPAA authorization form to receive the records before they can be released.
Prior to providing copies of patient health records, healthcare employees must verify the identity of the patient or the person collecting the records and must ensure records are only released to an individual authorized to receive them. Care must also be taken to ensure that the correct patients records are released.
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| 11/19/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and XXXX XXXX XXXX XXXX, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXXb of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of XXXX ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the FACTA LAW : SEC.XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C . XXXXs-XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. COMMONWEALTH FINANCIAL & {$140.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXXc ( XXXX ) Block of information resulting from identity theft. XXXX.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 05/24/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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On XX/XX/2019, a representative of Commonwealth Financial Systems , Inc. called me from ( XXXX ) XXXX ( a XXXX XXXX, CA area-code ). The representative identified herself being simply from the Commonwealth. After further questioning from me and evasion from her, she advised that it is a law firm. During the call, she asked me if I know a person to which I replied that the person is my mother. The representative then went on to tell me to pass along a message to my Mother that all of her bank accounts, finances, and house are in legal jeopardy and that a summons was already in process and would be filed against her if she failed to contact them. The fact the person that called me represented that they were from the Commonwealth is clearly is meant to indicate that they are a government entity which they are not. She represented that the organization is a law firm which they are not. And then she threatened that there is litigation occurring on this matter. In addition, when I asked about them being a law firm in California not once was I corrected that about their true location.
After significant amount of research trying to figure out the legitimacy of the organization in whether or not to relay that message, I discovered that they are neither a law firm, nor a government entity. This organization is a debt collection entity, in fact, located in XXXX, Pennsylvania. The debt collection agency is called Commonwealth Financial Systems , Inc. ( formerly XXXX XXXX XXXX XXXX ) and they are located at XXXX XXXX XXXX in XXXX, PA XXXX. Their website is : https : //www.cfsi-arm.com/.
In my brief phone call interaction with them, I believe there were likely three significant legal violations of the Fair Debt Collection Practices Act 15 U.S.C. 1692-1692p. Plain reading of the Code, says it is illegal for debt collectors to represent themselves as 1 ) government representatives or 2 ) attorneys, and finally, 3 ) when the representative told me to pass along a message of legal jeopardy, that was likely illegal as well. First of all, if there was in fact a legitimate debt ( which I highly doubt ), I suspect that the statute of limitations for legal action would have already expired and, therefore, the threat constitutes an untrue claim of legal action. But secondly, it seemingly constitutes an untrue claim of legal action anyway since they are not a law firm and likely have no intention of the threat.
It would be one thing if this was one over-zealous employee, but my research clearly indicates that Commonwealth Financial Systems is apparently systematically unethical at best andperhaps training their employees to commit crimes at worst. They are debt collection service, and -- after looking at hundreds of negative reviews about their unscrupulous and shady practices it is seems obvious that they are at using illegal tactics and unethical methods in an effort to achieve their mission. But do not take my word for it in addition to the easily accessed thousands of complaints against Commonwealth filed with the Consumer Financial Protection Bureau, here are links to hundreds of reviews online which indicate all manner of unethical and illegal behavior of all kinds : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX & XXXX & XXXX # XXXX, ,, But their illegal and/or unethical behavior is also described by those that know them best the employees and former employees at Commonwealth Financial Systems. For instance, one reviewer says specifically that they use Unethical tactics to collect debt. Another employee says : The majority of people who work at this company have criminal records from misdemeanors to multiple felonies. I sat next to a man who served time for man slaughter. The same reviewer goes on to explain casual drug use at the company. ( XXXX XXXX XXXX ) Based on the work culture referenced here and their ultimate product, it makes clear sense that they systematically employ a number of former offenders to do their illegal and unethical work without question.
Finally, they are absolutely without transparency and intentionally and falsely misleading, likely in an attempt to bolster their credibility. For instance, on their website under the heading of awards they represent that they received an award from the XXXX XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX and XXXX is not, in fact, a member of the XXXX and they have certainly have never received an award. They are clearly trying to falsely claim some of the credibility capital of the XXXX XXXX XXXX. In addition, they display the logo of XXXX XXXX ( the American trade group representing the collection industry ). While they are listed as a member on the XXXX XXXX website, their listed phone number is disconnected, and the website address listed there does not work. In addition, multiple phone numbers for them are not linked to the company, including the number on their own website of ( XXXX ) XXXX. Furthermore, trying to confirm their address to formally make a complaint is nearly impossible. In fact, I would encourage anyone investigating to attempt to find an appropriate number for them and simply call them to confirm their address. They are extremely hesitant to even simply provide their mailing address and I had to make multiple calls before I was able to do so. They are clearly trying to avoid any type of transparency in business surely because they could potentially be held accountable for their illicit and unethical actions.
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| 11/02/2022 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Today, thanks to CFPB I have taken steps to get some credit issues resolved in order to improve my credit. I went ahead and got my free credit report from XXXX reporting agency. To my surprise there was a debt on there which absolutely could not have been mine -- a medical debt from a place I haven't been since around XXXX. After doing some other research, I found that the statutes of limitations on debt collection in PA is 4 years, which is where the debt originated. While I did have a medical issue back in XXXX, for which I went to the XXXX, that was resolved years ago and had it not been, the statutes of limitations on that particular debt would have run out anyhow.
I'm not sure how they are able to report a debt as from this year, when they clearly do not have the correct information. I am trying to understand better the process for which a reporting company will validate a claim made against someone. Had XXXX actually done any type of investigation, they would have learned that this debt is invalid at best, and fabricated from an older, expired debt being the more likely scenario.
Looking on the report, it shows XX/XX/XXXX as the date which this case was opened. The company is Commonwealth Financial Systems, Inc of XXXX XXXX, PA. The interesting part is that it is showing that it will be removed from my report around XXXX of XXXX. So it is only on there for a year? That seems suspicious and unlikely to be accurate had the debt been truly owed.
I have never been contacted about the debt, and had I not logged on randomly, I would have never known about the debt at all. Now, I went and found this company online as I had planned to call and figure out the details in order to get it resolved, and I saw a XXXX review rating of XXXX. Now, I take that with a grain of salt as I imagine debt collection companies are not too popular among the average consumer. However, when I began to read the comments I noticed that this company has actually done the exact same thing to many other people. They likely purchased medical debt from XXXX, did little to no investigation as to whether the bill had been paid or the case resolved, and began pushing out collections. Not only is this debt past the statute of limitations, but there are a number of other problems with this tactic. I can't speak to the validity of the reviews, but I can say from personal experience that this company has absolutely employed unethical, and likely unlawful predatory practices. While I hope my notification serves as a starting point to have this company put out of business, and their reporting somehow reversed/sanctioned/ignored, I plan to take additional steps to increase the pressure and bring this type of practice into the view of the public eye.
Reporting debt from XXXX in XXXX, which passed the stature of limitations -- at least for PA where the debt originated, is essentially committing fraud. Especially considering the dates can not be anywhere near close to correct. This is likely not the first time this company has done this, nor will it be the last, unless they are stopped.
Consider the impact this has already had, and the amount of people who have been hurt by this. There are those who have great to excellent credit and may not even realize they have been victimized by this. Having no reason to suspect something like this, they may not even notice it, since I know for sure this company fails to notify people properly. They will have had their credit scores adversely affected with little recourse by the time they do end up noticing. Then there are those who have substantial debt from XXXX, but paid it off years ago. Only to find out that the debt has reappeared -- if they notice or are alerted. There are also those, who regardless of the circumstances, simply paid the company to take it off of their report.
It would not be the least bit surprising to learn that this company has purchased or found an old debt sheet from XXXX, reporting a claim for collection from this year, simply to take advantage of those who will just pay it and move on. Especially considering the debts all seem to be relatively low from what I have gathered ( {$1000.00} and under ). For anyone who complains or asks questions other than, " who do I make the check out to? ", eventually they relent and get the item in question removed trom their report. They also seem to only report the debt for short periods of time, as I mentioned the debt showing on my report claims to originated in XXXX of XXXX and will be removed from my report by XXXX of XXXX. So, essentially they figure they have a year to collect the debt or it gets removed. What would cause such a short period of active collection on a credit report? Who makes that determination? It would seem XXXX should be investigating the legitimacy of something like this as debt collection typically lasts between 3-6 years. For a collections agency to only hold a legitimate claim for only a year seems suspicious and unlikely.
There needs to be a better verification process prior to a claim actually affecting someone's credit score. It would seem that a reporting agency would be required to actually verify the legitimacy of a claim. It also seems that a company employing these tactics should be held accountable and action be taken to stop this type of despicable practice
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| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Commonwealth Financial contacted me by phone and mail to collect on a debt I never agreed or contracted to pay.The calls were harassing, aggressive and very threatening. I explained to them when they called I never agreed or contracted to pay on this debt and I know this debt has to be a mistake because this debt is a medical bill and I've always had medical coverage. My medical coverage covers all my hospital/clinical visits. I've never been told at any visit that after my visit I would owe anyone a debt. I proceeded to ask the rep who the original creditor was and she stated she didn't know who the company was, where they were located just I needed to pay the bill. I then asked the rep if this is your client and your stating this is a valid debt owed to you or your client how come she couldn't give me simple information of the original creditor who name is XXXX XXXX. she said she didn't need to know any of that. I then asked her did she do her due diligence as a data furninshing company to make sure this debt was even mines before they proceeded to send inaccurate information to the 3 main credit Reporting agencies. I started to ask her questions from over to phone tp try and validate that this debt belonged to me and she stated because this was a medical bill she doesn't need to show me any potential signed agreements between me and the original creditor nor did she have any information to validate this debt. After she stated that I told the rep I wanted to speak to a supervisor. I asked the supervisor to cease collection on this account and remove it from my consumers report because there is no way this is a valid debt that belongs to me, specially since they couldn't give me any information about who I first owed this debt to and since they couldn't give me and answer as to why they are furnishing inaccurate accurate information to the 3 main credit reporting agencies. She stated she wouldn't and she could see the account was already in dispute status and she didn't care she would keep calling to collect on this deb. I disagreed with the rep and told her I would be sending them a debt validation letter to validate this debt actually belonged to me since I never contracted to pay on this debt. Common Wealth Financial continued to call, harass and threaten me over this debt. After non stop harassing calls I sent in a debt validation letter in didn't receive a response. I sent a debt validation letter to CommonWealthFinancial and they never responded to the letter. Common Wealth Financial started to report negative and defaming information on my credit report as XX/XX/2022. Since they have never supplied me with sufficient information in order to validate this debt, I know this debt is not mines and this debt account was not handled accurately. I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Due to the number of inaccuracies within this account which I have highlighted in the image below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity. As you can see in the highlighted image this account furnished by CommonWealth Financial has inaccurate date opened, last reported date and last active date. Please remove this account from my consumers report. Due to the inaccuracies of this account I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad XXXX. Going forward all accounts should be handled wit accuracy and integrity as 12 CFR 1022.41 ( a ) ( d ) states.I would like to see CommonWealth FInancial reasonable policies and procedures concerning the accuracy and integrity of the furnished information on my credit report. I would like to see if those policies and procedures are furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report.
|
| 09/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below XXXX XXXX XXXX COMNWLTH FIN ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2021. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2021 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XX/XX/2021. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days
|
| 05/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
XXXX XXXX, Legal/Compliance Admin please note that this investigation is not complete. Even though you stated Commonwealth Financial Systems , Inc. has provided consumer all necessary information required by the Fair Debt Collection Practices Act ( FDCPA ) and applicable State law, however, you received a certified letter # XXXX to provide more information about these accounts on XX/XX/2019 at XXXX A certified letter requesting more information sent on XX/XX/2019 I, XXXX XXXX , Commonwealth Financial Systems,XXXX XXXX XXXX XXXX XXXX XXXX Re : Account ( # XXXX ), ( # XXXX ) USPS : XXXX XXXX XXXX XXXX XXXX I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2019 and identified the debt as 2 alleged accounts placed with your office. ( See attachment of the letter from your agency ) Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation. Sincerely, XXXX XXXX
|
| 02/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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I was notified by my credit monitoring services that a 2 new collection has been added to my account by XXXX XXXX XXXX. I have in the past have disputed my reports with them thru all 3 credit bureaus and won the disputes multiple times for the last 3 years for the same accounts and they still keep placing it on my account. I have worked extremely hard to clear my credit and resolved any owed debts in order to purchase a home which I have purchased one in XX/XX/XXXX at that time all my debt has been cleared on my credit report prior of the home purchase. Almost a year later they have placed the account on my credit report and damaging my credit score of 53 points and it does not go back up to that number after it has been removed it has only gone up 30 plus points multiple time after removal which has cost damage to my score over a period of times.
I have contacted the company several times and resolved it with them and I was told that it will not be added to my accounts anymore in the future because it is a mistake on their end. I have not received any written notification from their behalf of these accounts that will be placed on my credit report and I have brought that to their attention several times reminding them that they are violating several articles of the FTC which cause them to remove the accounts again at later dates they reapply it to my account which has cause credit damage to my credit report.
Here are the dates of the accounts I have had removed from Commonwealth Financial Systems and affiliations. Company Names, Dates and Amounts.
Debt Recovery Solution XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX *settled and dispute won removed from credit report* XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXXreadded to my credit report and dispute won removed from credit report* Commonwealth Financial XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX *settle dispute won removed from credit report After the dispute was won and removed Commonwealth Financial sold the XXXX XXXX XXXX XXXX for the amount of XXXX to XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX *settled and dispute won removed from credit report* XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX *settled and dispute won removed from credit report* XXXX XXXX XXXX XX/XX/XXXX " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX Amount XXXX *settled and dispute won removed from credit report* Commonwealth financial XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX *settled and dispute won removed from credit report* Commonwealth Financial XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX Commonwealth Financial XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX This account has been removed from my credit report multiple times no written letter or statement for this account as it is sitting on my credit report it has damaged my credit score 31 points it is in the process of being disputed. * I have also contacted Debt Recovery Solution back on XX/XX/XXXX via email over both accounts above. In the email from XXXX XXXX of XXXX XXXX XXXX stated in a reply. " As advised, we have submitted a request to the credit reporting agency to have all open accounts in our office deleted from your credit profile. set forth below are the following XXXX # XXXX, XXXX. '' Again I contacted XXXX XXXX due to both reports of the same collection that was reported on my credit report for the 2 accounts I advised him it has been settled and not to reported again. his reply back was stated 'We have contacted the credit reporting agency and have instructed them to delete any updates placed on your credit profile all collection activity has been suspended '' Since XX/XX/XXXX I have been disputing and winning disputes with these companies. They have both done nothing but harass me and damage my credit score significantly. I personally want to file a lawsuit against these 2 companies for the damage that they have done to my credit score. The account has been settled and taken care of from the get-go and to this day I am still disputing their errors. What they are doing is illegal and should not be allowed I have personal email exchange stating that my account has been deleted and suspended and their words have not been kept.
I have never once received a written letter from any of these agencies over these debts that it will be placed on my credit reports. I have dealt with nothing but abuse of power to ruin someone credit from these companies.
|
| 02/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
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This complaint is a repeat of the CFPB complaint, ( # XXXX ), I submitted XX/XX/XXXX. Please review your records. Complaint was regarding an emergency room medical bill dated XX/XX/XXXX. This complaint also filed with XXXX in XX/XX/XXXX, ended in XXXX confirming the Collection Agency, Commonwealth Financial Systems, ( CFS ), acknowledged they received proof of payment directly from my XXXX XXXX XXXX XXXX XXXX/XXXX XXXX. XXXX Credit Bureau deleted the derogatory debt completely and sent me confirming documentation. DONE ... .Right??
Now I received a letter on XX/XX/XXXX dated XX/XX/XXXX from XXXX XXXX XXXX. They are attempting to collect on the same Hospital Emergency medical debt dated XX/XX/XXXX, XXXX XXXX/XXXX XXXX 's representative XXXX, ( employee # XXXX ), had already spoke with CFS and faxed them confirming documentation of all medical payments made on XX/XX/XXXX, Payments that exceeded over {$3200.00}. XXXX, ( XXXX XXXX XXXX XXXX ) confirmed I had paid my co-pay of {$150.00}. Thus no balance due. On XX/XX/XXXX the XXXX derogatory debt appeared on my XXXX XXXX Credit report. Less than 30 days from the date of the XX/XX/XXXX CFS letter. Is this legal? On XX/XX/XXXX I called CFS with no contact. On XX/XX/XXXX I called again and spoke with a manager, XXXX XXXX who later informed me his real name is XXXX XXXX, ( XXXX ). I shared my frustration, provided their prior account number and the result of CFS dropping the collection due to proof they received of the debt paid. XXXX stated they can not find any such records confirming payment made in XX/XX/XXXX, XX/XX/XXXX. I told XXXX to speak with then Mgr. XXXX XXXX and I will forward to him copies of XXXX 's documents confirming CFS agreement to drop collection activity and the fact XXXX had removed the bad debt from my credit report. I told XXXX I am disputing this duplicate attempt to collect a medical debt CFS already confirmed was paid. I emailed the XXXX docs to XXXX on XX/XX/XXXX asking him to review and call me back. I have not received any calls nor responding emails from XXXX XXXX or XXXX. On XX/XX/XXXX I filed a dispute with XXXX XXXX Credit Bureau, ( file # XXXX ). I I have yet to receive word from XXXX XXXX. On XX/XX/XXXX I noted CFS displays the same derogatory debt now again on XXXX Credit Report. on XX/XX/XXXX I filed another complaint with XXXX including my XXXX Complaint Report # from XX/XX/XXXX. This is FRUSTRATING!
I researched " Consumer Affairs '' and learned CFS has the lowest rating possible. I reviewed 38 CFS consumer complaints and was amazed most of them dealt with medical bills and the " XXXX ''. and number of duplicate collection attempts on bills paid was concerning. CFS is not accredited and appears to be on thin legal ice.
On XX/XX/XXXX I filed a complaint with the Florida Attorney General who is referring my complaint to 2 additional state agencies. Licensing agency to confirm CFS is licensed in Florida. They also suggested I contact you, CFPB.
The amount CFS is attempting to collect for the same date, ( XX/XX/XXXX ) is {$1400.00} but being a 3rd party collection agency they will accept {$1100.00}. They have been unprofessional in both experiences and simply keep asking what amount I would like to pay without providing any further details. They do not have any further information and when asked for them to review their same account from last fall I found it highly suspicious for XXXX to respond so matter of fact and quickly, " we do not have any of those records. The response was instantaneous without any attempt to search for the records. They simply want money with no further discussions. They are playing a # s game ... contact as many people as fast as possible and see who will pay them some XXXX They are using " FEAR '' as a tactic when they hit your credit reports with bad debts within less than 30 days of notifying me. I strongly believe they are breaking the law and with the fact I am over age XXXX they are taking advantage of me and others in my age bracket. What can be done? Read Consumer Affairs complaints on CFS. I am contacting the Pennsylvania Attorney General as recommended by the Florida A.G.Let me know if I can send some supporting detail, ( ie XXXX 's docs from the Fall, XX/XX/XXXX ).
PLEASE HELP. XXXX XXXX, XXXX.
|
| 08/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
|
| 08/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
|
| 01/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts .They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of thre FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for the Commonwealth Financial Accounts furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received dramatic decreases.
Where do I turn when I have tried all that I can and no resolve. My rights have been violated extremely with no updates, dispute responses ... account constantly keeps being re-aged and resold to several debt collectors and no updates have been placed on my account from XXXX or credit bureaus advising of my disputes or resolutions. No documentation what so ever has been furnished with signed contracts or dates from me. It also shows the amount of {$270.00} showing for Commonwealth and then the same amount for XXXX XXXX. Are they allowed to double book debt? As I already said when they do n't want to resolve or prove this is rightfully my account, they sell to another agency and re-aged account. Ridiculous!!! I am contacting the BBB and citing several FCRA violations on my behalf. 30 days have passed 30 times and the previous inquiry I sent through you all is still showing OPEN, how can this be so? How can these harmful impacts on omy credit not matter to anyone. Why is n't anyone forcing them to furnish information and or remove for good and never place back on my report ever again. I am hoping you can assist me in making this final goodwill gesture to allow correction of erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Attorney Generals office, should their non-compliance continue. I further remind them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In LAST HOPES, please have this handled!
Please also make note that two accounts are negatively hitting my credit reports for one debt in the amount of {$270.00} this is illegal for XXXX XXXX and Commonwealth Financial to be tagteaming and when they were made aware XXXX XXXX reopened collections on this account XX/XX/XXXXwith out showing proof that this belongs to me. Texas XXXX XXXX is allowing this as well, please ensure they recieve my complaint as well.
|
| 08/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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XX/XX/XXXX Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Creditor : Common Wealth Financial Service Credit Bureau : XXXX Re : Acct # XXXX To whom it may concern : Common Wealth Financial System placed an error on my credit report. CWFS falsely dated that I recently opened an account with the creditor 1 month ago and i do n't recall receiving a phone call from another creditor or a credit bureau to sign up for a new account. The credit bureau XXXX refused to attempt a thorough investigation with my credit profile to correct this error. I gave both XXXX and CWFS enough time to correct this error but both companies refuse to investigate. If you look at the date it shows in the attachments they falsely placed a date on my profile saying that I owe {$520.00} on account in XX/XX/XXXX, and in 1 month the account was placed on my credit profile as a derogatory Collections account. I have contacted them several months ago attempting to remove the account and advising them not to sell the account to no other creditors. If I see any accounts placed on my credit in the future I will file for a lawsuit against XXXX, Common Wealth Financial System, and any company attempting to collect a debt from me.
This letter is in response to your recent claim regarding Acct # XXXX, which you claim My account was charged off {$520.00}.
Yet again, you have failed to provide me with a copy of any accounting records on the debt. that you are accusing me of owing. Are you aware that 's it 's illegal Given that I believe you are acting in bad faith, and have not complied with federal and state laws, I have filed a Small Claims lawsuit against you. I am aware of my rights and the statue of limitations in my state as a borrower. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. As per FTC opinion letter from Attorney XXXX XXXX. XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. According to The Consumer Credit Act of XX/XX/XXXX it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. I have maintained careful records of your actions, and you are now required to appear at : XXXX County Courthouse, XXXX XXXX. XXXX XXXX XXXX, Florida XXXX on XX/XX/XXXX I am seeking {$3000.00} in damages for : 1. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 2. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) Prior to our court date on XX/XX/XXXX if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : Better Business Bureau
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| 08/03/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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on XXXX XXXX common wealth financial a collection was placed on my consumer credit report by the collection company as common wealth financial with thee amount of {$1700.00} .i have written the company to 2 forms to validate this debt, which i have the right under FDCPA to do so and this company has violated that by not complying with my orders. THIS IS A HIPPA VIOLATION, I HAVE NOT SIGNED NOR RECIEVED A HIPPA REALEASE FORM ... this debt collector has violated my rights to privacy under frca, which has causes defamation to my character..there 's multiple violations by this company : 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
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| 08/26/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit.
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| 07/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
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| 04/01/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I had multiple doctor bills and I was behind on paying them all. I was systematically paying them off as I began to understand my medical costs. I paid XXXX checks to my doctor 's office ; 1 cleared on XXXX/XXXX/XXXX for {$110.00} and the other on XXXX/XXXX/XXXX for {$270.00}. I mailed both checks to the doctor 's office directly as I was unaware that a collection agency was notified. The collection agency is requesting payment of app. {$120.00} now and will not breakdown in detail what makes up the {$120.00}. I did not pay the collection agency and they did nothing to collect the debt, but I can only assume they are requesting their fee. My doctor contract does not state a % for interest fee by a collection agency. I have asked the collection agency twice by sending back their payment stub to stop contacting me, I paid the doctor in full and to give me a breakdown of the cost. I have recently sent a letter to them stating I do not owe this debt and the balance with the doctor is XXXX. The collection agency has failed to provide me information on this debt, continues to possibly affect my credit for a debt that does n't exist other than a fee which I refuse to pay to them. I calculated the fee to be app. XXXX % of my total cost if that is truly what the debt is for. They did not provide account number on the latest collection notice. The second notice I got said they may possible sue me for the debt. I did not recognize the bill at first due to the number of medical bills my family had so I assumed it was valid at first and part of the money I already paid my doctor 's office. After reviewing my medical records with my insurance company I noticed the {$120.00} did n't match anything, so I am disputing it. Again the doctor 's office is confirmed paid in full. I am wondering the interest rate they can charge? How I can get a breakout of the cost and can they continue to put their fee as uncollected medical debt on my credit report even though they were n't paid anything? I feel the fee should come from the doctor 's office if they need to get paid if they are to keep some of the portion of the bill that was paid not me. I am having a hard time figuring out if their interest rate percentage is legal? Can they continue to request payment on a debt that is paid in full to the doctor 's office? Why they are refusing to breakout the {$120.00} so I can see what makes up the bill? And if they can put their " collection fee '' on my credit report as unpaid debt thus effecting my credit score? I have seen no proof that they provided any level of service to collect the doctor 's debt. The checks were directly payable to the doctor 's and if they feel they are owed money then they should go back to the doctor 's office and collect their fee. I 'm not really asking to file a complaint unless it is warranted. I would rather see the {$120.00} get removed from my credit report if it 's there and they stop sending me letters after I told them to stop or provide backup to the debt. I would like to state that I signed the doctor 's payment letter under duress as I was XXXX sick, lost XXXX pounds in a month and could n't eat. I wound up having an XXXX that was painful and signed the papers because i did n't have an alternative. I know that does n't really mean anything but I was n't worried about what the contract stated as I was only concerned with getting better and being able to eat again. After my insurance adjusted the many medical bills I had, I paid all the debts I could as fast as I could even getting gift money to do so. I have over paid numerous medical bills in the process only to receive checks back. All costs were created XX/XX/XXXX but I am not sure when my insurance company finally adjusted, approved and paid their portions as it does n't tell me that without looking on previous statements. Many times my insurance company sent revised billing statemnt
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| 12/03/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently discovered negative information furnished about me to one or more consumer reporting agencies ( CRAs ) by a company unknown to me regarding an unverified account and alleged debt. My inability to verify the truth and accuracy of the information furnished by the furnisher prompted me to search my books and records for more information. A meaningful review and investigation of my records indicate that I am devoid of a bonafide and meaningful relationship with the furnisher of the negative information as I was unable to locate a record of any previous transactions, outstanding contractual obligation/s, and/or agreement/s between myself and the furnisher and/or its alleged assignor ( if any ). A further review and investigation of my records indicate that I am WITHOUT record or receipt of any communications ( written or other ) from the furnisher, and/or its alleged assignor ( if any ) regarding the intent to furnish negative information about me to the CRAs prior to such action being taken against me. An investigative search via the internet has led me to believe that this is a common practice among collection agencies engaged in collection activity. In fact, it is so common that theres a name for this practice. Its called parking the debt. Although I was unable to find any written law directly prohibiting this type of conduct and behavior, I was pleased to discover that on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX wrote a report about it ( see attached ), and on XX/XX/XXXX, the United States District Court for the XXXX District of Florida granted the Federal Trade Commission an order for entry of a consent decree prohibiting a certain debt collector ( XXXX XXXX , XXXX ) from- " Parking '' or placing debt on a consumer 's credit report when it has failed to notify the consumer in writing about the negative report ( Case XXXX ). It is my contention that the collection practices employed by the furnisher listed in this complaint bear a striking resemblance to the practices prohibited by the FTC in the consent decree issued against XXXX XXXX , XXXX. In my opinion, these practices are not only unfair and deceptive, but constitute both a trespass and invasion of my legally protected interests. Notice of the alleged debt/negative information, and that the furnisher intended to communicate such to a third party is of particular importance to me, the deprivation of which has caused my character, credit, and reputation to be unjustly damaged. Had the furnisher opted to notify me of its intent to furnish the negative information, prior to the actual furnishing of said information, I could have utilized my protections under the Fair Debt Collection Practices Act ( FDCPA ) in a timely fashion, which may have aided me in mitigating, or preventing, the harm incurred or associated with negative reporting. For example, I would have requested that the furnisher provide me with properly authenticated original account and loan level documentation, verified under oath and penalty of perjury, and upon receipt of such, I would have had a material representation from the furnisher with which to base my decision to pay. I understand that the furnisher may claim to have sent me prior notice in the past in order to preserve its defense ( s ) and/or claim ( s ) to the failure to give notice. I am not a litigious person, and at this time I dont necessarily have an interest in pursuing legal action against the furnisher for what I believe is its failure to give notice, and possibly may be willing to forego that. However, as it stands now, the furnishers continued reporting is something that I can very well be offended by. Notwithstanding the production of substantively admissible facts in the form of properly authenticated original account and loan level documentation, I must deny the existence of this alleged debt.
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| 03/07/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
Servicemember |
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Commonwealth Financial Systems Inc has reported several fraudulent debt on all XXXX of my credit reports. I have disputed the fraudulent debts with all relevant credit bureaus, resulting in deletion because they cold not verify the debts through the automated dispute system. They never sent me notices for all but XXXX of them, and damaged my credit until disputed and deleted. This happened approximately XXXX times with CFSI. I know this is not really a violation ( unfortunately they will lie about notices ), but it should be. They knew they could n't verify from the time they reported. What they have done in violation of the FCRA, is sold, transferred a fraudulent debt after an identity theft block ( 605 ) was placed on a fraudulent debt they reported. I submitted block request to XXXX for the debt back in XXXX, and the debt was deleted within the specified time under FCRA. I can only assume it was blocked by XXXX, since it was deleted, and XXXX did not send me any notice regarding refusing to block, which the law would require if they did. Again, all of this means they placed a block on the CFSI debt, and should have notified CFSI that this debt was a result of identity theft. The fraudulent debt had an original creditor, current creditor, and collection agency that was to be collecting on the debt. EMP of XXXX XXXX, the original creditor, knows nothing about this debt and told me to contact the Attorney General. This was the only debt reported that I received notice from CFSI for, so I requested debt validation in the 30 day time allowed to dispute a debt. Their " debt validation '' is a JOKE, and has Fraud written all over it. The papers they sent me looked like someone obtained my personal info from sources, and plugged in to their pathetic excuse of a debt validation. The information did not match the timeline of my true life events at the " time of service ''. The dates, XXXX for insurance billed, and well, I 'll let you decide the ridiculous attempt at fraud for yourself. Also, these fraudsters obviously do n't have spell check, which makes them even more pathetic. The " debt validation '' has spelling errors, refering physician, and amount refered? This accurate spelling is " referred '' or " referring '' you idiots, look it up. So after XXXX blocked this debt, approximately 3 weeks later, I receive a collection notice from XXXX for the SAME debt. The debt is same amount, same original creditor, same current creditor, just different collection agency this time. Really? I was a victim of identity theft, resulting in XXXX page police report, and they should not even have my personal information, they have no legal reason to, and they continue to share it, add to another database which adds more risk of it getting stolen again. They violated the law by selling, transferring, placing for collection a debt that they were told, or should 've been told was a result of identity theft. It is their responsibility to have reasonable measures in place to make sure this DOES NOT happen, and CFSI should have made sure the debt was dissolved once notified, but they knew it was fraudulent before that. If they do n't have reasonable measures to prevent this, they should be shut down. They think they are above the law, and they are in the business of collecting fraudulent debt, this just confirms that is exactly their end game. I mean, they ca n't even spell correctly on their " debt validation '', which is beyond pathetic. The original creditor tells me to call Attorney General, so what does that say about this on top of the obvious? CFSI has also called my cell phone, which I never authorized, and never gave them my mobile phone number. I will attach FTC Identity theft complaint, but not actual police report due to amount of info it contains. XXXX XXXX XXXX Police Dept., report # XXXX, Officer XXXX
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| 05/14/2021 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2021 COMMONWEALTH FINANCE illegally reported on my consumer report. This debt is not mine and I did not give them permission to report on my consumer report. If COMMONWEALTH FINANCE claims I owe them, I would like for them to validate the debt. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g that states their claim is disputed and validation is requested. I am not requesting for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request COMMONWEALTH FINANCE to provide me with competent evidence that I have any legal obligation to pay them. At this time, I will also inform COMMONWEALTH FINANCE that if their office reported invalided information to any of the 3 major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by them, I will not hesitate in bringing legal action against COMMONWEALTH FINANCE for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices, and Defamation of Character. If COMMONWEALTH FINANCE are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If COMMONWEALTH FINANCE fails to respond to this validation request within 30 days from the date of receiving this message, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. I also want COMMONWEALTH FINANCE to 1. Name and address of alleged creditor. 2. Name on file of alleged debtor. 3. Alleged account number. 4. Address on file for alleged debtor. 5. Alleged account number. 6. Amount of alleged debt. 7. Date that this alleged debt became payable. 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. I would also like copies of the following : a ) Agreement with your client that grants COMMONWEALTH FINANCE the authority to collect this alleged debt. b ) Signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. c XXXX Any agreement that bears the signature of debtor, wherein agreed to pay creditor. d ) All statements while this account was open. XXXX XXXX Have any insurance claims been made by any creditor regarding this account? Yes or No f ) Have any judgements been obtained by any creditor regarding this account? Yes or No. I would also like for COMMONWEALTH FINANCE to provide the name, date, address of the bonding agent for COMMONWEALTH FINANCE, and an authorized signature of the creditor. This is in case legal action becomes necessary. COMMONWEALTH FINANCE must return these completed forms along with copies of all requested information, assignments or other transfer agreements, which would establish their right to collect this alleged debt within 30 days from the date this message is received. COMMONWEALTH FINANCE claim can not and will not be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
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| 12/05/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have been working for almost 2 years to repair and fix my credit, by paying off all of my old debt, and by paying all of my current bills on-time. I have made a lot of progress and I have paid all of the old collection items that were on my credit reports, except for 1 collection agency. The name of the collection agency is Commonwealth Financial Systems ( XXXX ). I am having difficulty getting them to remove a debt that I do not owe. They have continued to report this debt on my XXXX and my XXXX credit reports.
Previously, back inXX/XX/XXXX, XXXX put an amount of {$74.00} that they said I owed to Worth XXXX XXXX XXXX ( XXXX ). I knew that I did not owe this amount because I paid for all the services I received from XXXX back in XXXX. But, because the amount was somewhat small, I went ahead and paid the {$74.00} anyway to avoid the hassle, and in an effort to put this matter behind me quickly. I have attached a copy of my XXXX credit report dated XX/XX/XXXX XXXX did remove this {$74.00} collection item from my credit report after I paid them {$74.00} in early XXXX. However, I a couple months later, in XX/XX/XXXX, XXXX put another collection item on my XXXX & XXXX credit reports in the amount of {$110.00}, that they alleged was owed to XXXX. They said that this item and my account was assigned to them again inXX/XX/XXXX. I knew then that XXXX was going to keep putting these fraudulent collection debts on my credit report as long as I kept paying them. As soon as I paid an old amount, they will put a new amount on my credit report.
However, I knew that I did not owe these debts, and what XXXX had reported was not true, because XXXX was bought out in XXXX and it no longer existed. I called the company that bought them out, XXXX XXXX XXXX XXXX ( XXXX ), and I asked XXXX two questions : ( 1 ) did their records show that I owed them anything for past services rendered by XXXX, and ( 2 ) did they assigned my account to a collection agency? The answer to both questions were NO.
I sent a letter to XXXX onXX/XX/XXXX, to let them know that I did not owe this debt, and I requested that they remove this item from my credit reports. I have attached a copy of my letter to XXXX. I then filed a dispute with XXXX & XXXX. The date of the first XXXX dispute was XX/XX/XXXX. I have attached a copy of the XXXX dispute to my complaint.
Unfortunately, XXXX did not remove this collection debt from my credit reports, and they denied my dispute with XXXX. In XX/XX/XXXX, I asked XXXX to send me some proof or evidence for the services rendered by XXXX, and something showing the amount I owe to XXXX. On XX/XX/XXXX, XXXX sent me a statement that showed that all of my payments had been made to XXXX and my balance with XXXX was {$0.00}. I have attached this letter and XXXX statement I received from XXXX to this complaint.
In XX/XX/XXXX, I filed another dispute with XXXX and I uploaded to XXXX, a copy of the XXXX statement that showed my account balance was {$0.00} and I did not owe XXXX anything. Unfortunately, on XX/XX/XXXXXXXX and XXXX denied my dispute again. I have attached a copy of the 2nd XXXX dispute to this complaint.
Lastly, on XX/XX/XXXX, I sent a final request to XXXX for them to validate the claim of debt that they allege I owe, or remove this item from all of my credit reports. I have attached a copy of that letter to this complaint.
Please help me resolve this matter as soon as possible. I am working hard to improve my credit, and qualify for a mortgage for a new home. Unfortunately, I feel like XXXX is blackmailing me, and trying to extort money from me, with the help of XXXX and XXXX. I have attached a copy of my current credit report which shows that all collection items have been paid-in-full, and are now closed, except for the XXXX item.
Thank you
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| 01/28/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMMONWEALTH FINANCIAL XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX : Collection account : XXXX ( {$1000.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX XXXX
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| 11/27/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In reference to my previous filed complaint, Commonwealth Financial continues to be very deceptive.
This company has blatantly and purposely disregarded my consumer rights and concerns.
As records show that in both my previous complaints this company placed this debt on my credit file before sending me a dunning letter and giving me the option to dispute and request validation. I never received any notice from Commonwealth Financial.
XXXX XXXX continues to respond but not addressing the fact that Commonwealth Financial violated my consumer rights. She is blatantly overlooking what the actual complaint was about.
XXXX XXXX why weren't I sent a Dunning Letter before your company placed this account on my credit file? Isn't that the law or are you disregarding that as well whenever you choose to?
According to the Fair Debt Collection Practices Act, Debt Collectors shall send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
XXXX XXXX why didn't your company follow the Law according to the Fair Debt Collection Practices Act. Why are you refusing to address my actual complaint?
As a consumer with rights, why didn't your company send me a written notice of this debt and allowing me 30 days to respond before placing this on my credit file?
If it is your claim that the address you have on file didn't match well it would have been forwarded as all my incoming mail is and I've never had an issue with any other company. So that's ruled out!!!!
As your refusal to address my actual complaints I will continue to forward all responses to my Lawyer, my State 's Attorney General, The Federal Trade Commission, and the Credit Bureaus.
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| 10/20/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In accordance with the Fair Credit Reporting Act : Account Name : Commonwealth finani, Account Number : XXXX has violated my rights ; I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), the term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to FCRA/15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, I do not give permission for any credit reporting agency nor have given written instruction for XXXX & XXXX and any associated accounts to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, negative, adverse, and discriminatory, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person Commonwealth finani and all credit reporting agencies must adhere to my consumers right to privacy. Per 15 USC 1681a ( e ), The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All credit reporting agencies are mandated by federal law to verify consumer information by issuing an investigative consumer report that adheres to 15 USC 1681a ( e ).
My wife has tried to resolve this but they said they will not send information to a third party which is strange because a " third party '' is trying to collect money from an account that is not mine. Please look in to this. Thank you
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| 09/02/2019 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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As stated in Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments ; OID is a form of interest. It is the excess of a debt instruments stated redemption price at maturity over its issue price ( acquisition price for a stripped bond or coupon ). XXXX coupon bonds and debt instruments that pay no stated interest until maturity are examples of debt instruments that have OID. As stated in Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments ; The term debt instrument means any instrument or contractual arrangement that constitutes indebtedness under general principles of federal income tax law ( including, for example, a bond, debenture, note, certificate, or other evidence of indebtedness ). It generally does not include an annuity contract.
No contractual arrangement exists with said debt collector and it appears that said debt ( evidence of indebtedness ) was purchased pennies on the dollar from the previous Holder in Due Course/ Payor ; hence, said debt collector was not authorized to furnish private information or assume to be the Power of Attorney regarding myself ( Identity Theft ) ; Consequently, the debt is considered void. Nevertheless, it appears that said debt collector is persistent by way of said consumer credit report stating that a debt is owed. However, said evidence of debt constitutes indebtedness under general principles of federal income tax law. The debt collector is considered the Holder in Due Course/ Payor and are liable for the federally withheld amount of {$1600.00}, {$1400.00}, and {$1200.00}. Consequently, said debt collector has committed the following violations regarding said debt instrument ( s ) : failed to provide a 1099 OID regarding said debt instrument ( s ), failed to report income, failed to withheld tax, failed to file return, and failed to pay tax.
it is impossible to furnish information to the Credit Reporting Agencies without first assessing the tax accordingly regarding said debt instrument ( s ) ; Otherwise it is evident that said debt collector knowingly participated in a transaction to effectuate criminal or fraudulent avoidance of tax liability. As the recipient of said debt instrument ( s ), I am being hindered from assessing said tax accordingly by way of form 1099 OID and 1040. Consequently, said debt collector has intentionally impacted ones credit worthiness negatively regarding said debt instrument ( s ) which is considered irrefutable proof that the debt collector does not respect the general principles of the federal income tax law.
Attach you will find Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments, Pages 1 and 2 ; Emphasis on the following Definitions ( Circled ) : Original Issue Discount ( OID ) and Debt Instrument, Credit Report ( Emphasis on the highlighted area ) regarding proof said debt collector participated in a transaction to effectuate criminal or fraudulent avoidance of tax liability ; hence, does not respect the general principles of the federal income tax law. The following forms have been prepared accordingly and are on standby should any issue arise regarding said complaint in association with said debt collector : Department of the Treasury - Internal Revenue Service Form 3949-A - Information Referral and Department of the Treasury - Internal Revenue Service Form 211 - Application for Award for Original Information. All statements/ responses regarding said complaint will be forwarded to the Internal Revenue Service along with said forms in order to substantiate my complaint.
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| 03/09/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am XXXX XXXX and I am submitting this myself with no third party involved. I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THESE ARE DUPLICATE ACCOUNTS. 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 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. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 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. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
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| 08/18/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Good Afternoon, This medical collections on my credit really shocked me because I don't even know what really happened here. I never had a medical collection or any relationship with the commonwealth company. I tried to call them and they said that its a bill from XX/XX/XXXX but never sent me any noticed and i don't think i owed these debts described of {$490.00} and {$170.00} Original Creditor Name XXXX XXXX XXXX.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with meMUST be done in writing and sent to the address noted in this letter by USPS.
In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the XXXX XXXX XXXX 3. File a complaint with the Consumer Financial Protection Bureau 4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money.
6. File a Law Suit against you for harassment, fraud, extortion, and invasion of privacy.
You have30 daysupon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies.In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to.In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
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| 06/20/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, ( XXXX ) XXXX XXXX : Account # XXXX ; XXXX ; XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 06/19/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX COMMONWEALTH FINANCIAL XXXX XXXX XXXX, XXXX, GA XXXX RE : Account # XXXX ; XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 10/23/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMMONWEALTH FINANCIAL XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 07/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern : This complaint is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. REMOVE THIS ACCOUNT IMMEDIATELY.
Thank you, XXXX XXXX
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| 06/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have disputed these account entries with the credit bureaus and XXXX ( Coomonwealth and XXXX XXXX companies too ) alike. The entries are deleted and then added back without my being notified of the re-insertion from the bureaus as well as this company providing any substantiated documentation to support what they are erroneously reporting on my credit reports. This account should not even be reporting on my entry reflecting that the type of medical facility the alleged debt is associated with. This in and of itself is a violation of my consumer rights.
This company has changed the account numbers as well for this same account ( ILLEGAL ). In my XX/XX/2017, credit report, this same account with the exact same amount reflected an account number of XXXX ( see attached ). Which is it? This proves further that this company is not being honest and abiding by the law.
Per my credit report, these entries were opened with XXXX XXXX XXXX ( as reporting but they were truly with Commonwealth and XXXX but blatantly violating my rights with this reporting ) in XX/XX/2017 ; however, I never received any communication from this company that they were attempting to collect this alleged debt. I have never heard of this company nor have I ever did any business with them whereby a contract was signed. By not receiving a dunning letter, this is a direct violation of my rights. How am I to dispute the validity of an account if I am never notified. Had I not retrieved a copy of my credit report and noticed these inaccurate, unverifiable account entries, I would not have known they existed.
Upon retrieving my report, I sent a certified letter with return receipt to XXXX ( as reflected and Commonwealth and XXXX ) requesting that they validate this debt. I received correspondence from yet another collection agency XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX whereby they attempted to respond to my dispute with them. XXXX XXXX XXXX provided a copy of documents that were created on their letterhead whereby they are arbitrarily stating the amount due for the XXXX account is {$780.00} and {$210.00} ; however, the entry on my credit report reflects {$710.00} ; yet another violation of HIPAA. How then are they saying they are verifying the account entries. THIS IS A LIE AND DECEITFUL!!
Further, these collection companies have access to private information regarding the nature of the visit and exams and the facility ; where is the financial responsibility page that they should have whereby I granted permission/consent for XXXX XXXX to disclose this information?
I requested a copy of all paperwork that was sent to me regarding this alleged account as well as a copy of any documents that bore my original signature. To date, to no avail. These companies have furnished NOTHING!! How then is this company reporting that these account entries are valid? I am aware that HIPAA allows for certain information to be shared with 3rd party collection agencies for the purpose of collecting a debt but NEVER does it allow them to disclose confidential information without written consent. These agencies do not have consent nor the paperwork to reflect the consent of this information and they are all negligent in their reporting this entry as well as in the information they sent. This company continues to blatantly violate my rights.
I am requesting that this erroneous, inaccurate, unverifiable entry be DELETED from my credit reports IMMEDIATELY!
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| 10/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This past XXXX, 2021, around the middle of the month, I recieved a collection notice in the mail. I assume it's a medical bill based on the name of the original creditor, but I have never heard of any such organization before. I don't know where they're based out of. I don't know what the bill is actually for, or when the services were supposedly rendered. I found this all very strange, especially due to the fact that I recently had two state income tax returns siezed, and my wages had been garnished for approximately 3-4 months, to settle an unpaid hospital bill. I did a little research online to see what my options were, and how I should handle the situation, and decided on sending them a dispute letter to validate the debt, and clarify when and how it was even accrued to begin with. I sent the letter by certified mail on XX/XX/2021. On XX/XX/2021, someone by the name of XXXX XXXX signed that they recieved the letter. Shortly after that, I noticed that they had made a note on my account with all three bureaus that I had disputed the information, but the account status has remained either " active '' or " closed '', depending on which bureau. All three have the number of " disputed '' accounts on my report listed as XXXX. I have been waiting patiently ever since for any kind of information. I have recieved absolutely no response whatsoever from anyone at Commonwealth Financial. I checked my credit score yesterday, and noticed that nothing on my report had changed at all regarding that account, besides the fact that it listed the last " reporting date '' by the debt collector as XX/XX/2021. I do not believe this is a valid debt, at all. I have been given zero information on when this debt was accrued, how Commonwealth Financial became involved, when these services were rendered, or where they were rendered. I have been working hard to improve my credit score, something that I had never given much thought to until recently. On this upcoming Wednesday, XXXX the XXXX, it will have been 90 days since Commonwealth recieved my letter, which they even made note of on my account themselves, was compliant with the FCRA requirements. This negative mark is not only holding me back financially, it is also personally off-putting to be accused of owing a debt that you refuse to pay. I feel that this information is completely and totally inaccurate, and I have been provided absolutely zero evidence that this debt is in any way shape or form a valid debt. I would like to have this mistake removed completely from my credit report as soon as possible. Any help or advice on solving this matter, or what steps I should take next would be greatly appreciated. I thank you in advance for your time and consideration. I am providing copies of the following documentation pertaining to the matter : the orginal collection letter, my dispute letter, the signed return ticket proving they recieved my letter, a summary of the disputed account as listed by each of the three bureaus provided by experian.com last night ( XX/XX/2021 ) showing they have recently reported activity on my account, and lastly, the account summary from my XXXX report, also obtained last night, which makes a note that I have disputed the information, and my dispute did meet FCRA requirements, yet in the column that specifically asks if the account has been disputed, it is clearly marked " no. '' I thank you again for your time and assistance.
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| 04/06/2019 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Commonwealth Financial Systems Inc has been repeatedly harassing me with multiple reports to the credit bureaus for medical bills starting XXXX, two on XX/XX/2019, three on XX/XX/2019, one on XX/XX/2019, one on XX/XX/2019, and one on XX/XX/2019. Each time I file a dispute with the credit bureaus and they get updated as valid. I then receive the bill for the first time in the mail that has incorrect " original account number ( s ). I respond in a timely manner that I am disputing the bill and want verification of amount owed, dates of service, amounts charged with itemized billing and payment history, and copy of original financial agreement ( s ) that outlines any and all fees/fines/penalties/interest rates that I would be liable for. Each time I received a form letter attached to a generic account print out with absolutely no account details pertaining to the nature of supposed debt. I have taken the time to go directly to the original creditor and call them, they do not have the account numbers provided by Commonwealth Financial Systems. When a date of service is provided the original creditor is able to locate them and the account billing differs drastically from what Commonwealth Financial Systems is claiming I owe. Furthermore, of the nine accounts reported on my credit report by Commonwealth Financial Systems I have only received information on five of them, despite the fact that I have formally disputed all nine. The first three were removed, in the amounts of {$630.00}, {$630.00}, and {$1200.00}, after I responded in writing citing the many laws they have violated via certified mail. Another two will be sent via certified mail this coming week, for the amounts of {$1700.00} and {$1700.00}. The other four derogatory reports do not offer amounts, dates, or account numbers, but I have lost more than 60 points on my credit score as a result. I am unable to dispute in writing as Commonwealth Financial Systems has not sent me any information. I also took the time to report the first three accounts to the XXXX, after the company sent a response stating that the debts were valid I proved they were not. This has become a harassment tactic as every time I get accounts removed new ones are reported. The most recent mailing does not even offer a service date to use in an effort to verify the supposed date, that mailing was dated XX/XX/2019 received XX/XX/2019. I have formally informed Commonwealth Financial Systems that their illegal business tactics will be reported, and if they continue I will seek legal representation. This did not matter to them as their practices are continuing. This has caused severe economic hardship to myself and my family. I have informed Commonwealth Financial Systems that all communication is to be done in writing and in large print to accommodate for my XXXX in accordance with the ADA, and they have been unable to comply with my request, which also causes delay in my ability to run the verification process prior to my written reply via certified mail. In addition, Commonwealth Financial Systems lists all accounts on the credit report as " unknown '' instead of medical. Medical bills are treated differently with the calculation of the FICO XXXX score. They know in advance that these are medical bills and are deliberately doing this to cause financial harm. I have pictures of the handwritten responses that I may furnish upon request.
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| 06/25/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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From XX/XX/XXXX to XX/XX/XXXX, my son and myself had several emergency medical treatments at XXXX XXXX XXXX XXXX. During that time, I worked as a XXXX of XXXX XXXX and was assigned to XXXX. It was only after going to the emergency room and receiving a bill that I learned my son and I did not have coverage. At the time, I was not prepared to pay the bills and did ignore their repeated attempts to contact me. In XX/XX/XXXX, I moved to another department at XXXX and was working for a new company with adequate health insurance coverage. My new position required that I obtain a XXXX security clearance and as such had my annual credit report pulled. Through reviewing the credit report, I contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX about paying the bills. I paid some of the bills and promised to follow-up in a couple of weeks to pay the remaining charges. Additionally, a collection agency contacted me about other charges - and I also paid some of those bills. A XXXX of weeks later I re-contacted XXXX XXXX XXXX XXXX and paid off all the charges. Since that time, the original collection agency closed down. Since XX/XX/XXXX, I 've been contacted by several other collection agencies about an outstanding amount owed to XXXX XXXX XXXX XXXX in the amount of {$240.00}. I immediately contacted XXXX XXXX XXXX XXXX and confirmed no funds are owed. Additionally, they shared that they did not hire any collection agency to collect funds from me. All of those companies removed the erroneous information from my credit report. In XXXX of XXXX, I was contacted by XXXX stating that I owed XXXX XXXX XXXX XXXX and that they had been hired by XXXX XXXX XXXX to collect the funds. I told them I did not owe any funds and forwarded the invoices available via email to their attention. I also contacted the Oklahoma State Attorney 's Office and Consumer Financial Protection in writing. The XXXX XXXX XXXX agency told me via email that the account would be closed and that I would no longer be contacted. XX/XX/XXXX, I was contacted by the Commonwealth Financial Systems via mail as they had been hired by XXXX XXXX. I immediately contacted them and told them no funds were owed. They asked that I send an email with the back-up - of which I did. Today ( XXXX/XXXX/XXXX ) I received another letter from the company and immediately contacted them. I stated I had forwarded via email the only information available from XXXX XXXX XXXX XXXX and that per their records - I owe no funds and they did not hire this company to collect any funds. Note - Commonwealth Financial Systems never responded to my email and/or informed me that additional information was needed until the letter dated XXXX/XXXX/XXXX arrived in the mail today. I responsibly took care of any funds owed and spoke with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that no funds were owed. What I ca n't understand is why are these companies allowed to ruin my credit - without them contacting the creditors to confirm if funds are or are not owed. I simply want to close-out this issue and am asking for your assistance. For the last couple of days I 've been dealing with a sick related at XXXX XXXX XXXX XXXX - and XXXX XXXX provides excellent services - and ca n't thank them enough for how they have treated me, my son, and other family members -- but I need this issue closed as I do n't owe them any funds. Please help.
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| 02/12/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In the fall of XXXX, I went to XXXX XXXX in XXXX, FL. I provided my license and personal information and my insurance information even though I did not have my insurance card on me.
On XX/XX/XXXX I ordered my credit reports from XXXX, XXXX, and XXXX. XXXX found a collection on my account with a balance of {$1100.00}. The collector was located in Florida and the original creditor said " collection 201 '' with an open date of XX/XX/XXXX.
I immediately disputed the collection and first called the collector to figure out what it was. It was a balance from XXXX XXXXXXXX. I then called XXXX XXXX, to find out to my surprise that they had absolutely none of my information in my patient record ... not my phone number, not my address ... nothing. So the first problem is that they placed a collection on me without having any way to notify me of the debt at all, let alone making any attempt to.
The very first thing I did was make sure that they now had all this information of mine on file ( this will be important later ). Even with the collection in dispute, I provided both XXXX XXXX 's billing department and the debt collection agency with my insurance information and my contact information. I did this with the understanding that insurance would hopefully still cover it three years later, and I would pay the remaining balance.
I heard nothing from either company, XXXX XXXX that issued the debt or the collection agency, after this.
I later received a letter from XXXX that the collection was taken off my account and that I was found not responsible for it. I was also told, in speaking with one of the agents over the phone, that they Florida 's collection laws and that this was part of why I was found NOT RESPONSIBLE for the debt ... because they legally should never have been allowed to collect in the first place, in addition to placing a collection on someone without any information on them ( quite negligent of a hospital ) and without making any attempt to make the person aware of the debt.
Then I received notification of a {$200.00} collection from XXXX XXXX from XX/XX/XXXX as a remaining balance that originated from XXXX XXXX. This means that, even after beign in contact with both the hospital and the collection agencies, and providing my insurance information and awaiting to hear back on any balance, it was not until I was found not responsible for the debt at all that they placed another collection on me, WITHOUT contacting me at all. I am assuming the {$200.00} is the remaining balance of the original debt after my insurance came through. The remaining {$200.00} that I was found not responsible for, and that they never once contacted me to make me aware of this new collection.
I disputed this when I found it in XXXX, and a month later it was removed from my report. In XX/XX/XXXX my credit score went up by 88 points because the wrongful collections were finally off my account. Then immediately I received notification by my credit report company of yet another collection by a debt collector in Pennsylvania of {$200.00}, even though I have already been determined not responsible for this debt. And again nobody has ever contacted me. I'm assuming they sold it to a new collector also because they knew legally they couldn't place the same original one back on me. I highly doubt any of this is legal.
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| 06/05/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX am a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Commonwealth Financial Systems to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Commonwealth Financial Systems must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Commonwealth Financial Systems to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Commonwealth Financial Systems. Providing that Commonwealth Financial Systems is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
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| 10/26/2022 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I have now received XXXX collection accounts added to my credit report for a medical debt that does not belong to me and is fraudulent. The first one appeared on my XXXX credit report on XX/XX/XXXX. XXXX XXXX XXXX was assigned " my account '' on XX/XX/XXXX and reported a medical debt of {$480.00} with the date of first delinquency being XX/XX/XXXX and the original creditor named as XXXX XXXX XXXX XXXX. I do not reside nor have I ever obtained care in XXXX XXXX. I reside in XXXX XXXX and have only sought care in XXXX XXXX. When I contacted XXXX XXXX they would not provide me with sufficient information to prove the debt was mine. They only disclosed that they had my social security number, but would not verify it without me saying it first and told me they were collecting on behalf of XXXX XXXX XXXX for services PROVIDED by XXXX XXXX XXXX XXXX. I was provided an " account number '' associated with XXXX XXXX XXXX and tried looking up " my account '' and to no surprise I could not locate on their website a designated place for consumers to look up their account information. I disputed this through XXXX on XX/XX/XXXX, on XX/XX/XXXX my dispute was completed and resulted in the deletion of the account from my credit report. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX confirming the account closure and return. I received ANOTHER collections account on my XXXX credit report AND XXXX report that appeared on XX/XX/XXXX. The report lists XXXX XXXX XXXX XXXX as the original creditor but now Commonwealth Finance as the current collection agency. I once again " owe '' {$480.00} for a service provided by XXXX XXXX XXXX XXXX and first date of delinquency being, once again, XX/XX/XXXX. The account was assigned to them on XX/XX/XXXX. I was provided an " account number '' this time from my credit report and tried using it on their website to login. Coincidentally, they called me shortly after I was on their website. The representative I spoke to admitted she saw I tried to login using that account number and said the reason it did not appear is because they were hired by and collecting on behalf of XXXX XXXX XXXX and that account number is for that original creditor. The account numbers given to me by XXXX XXXX XXXX and XXXX XXXX, with the claim they belong to my account with XXXX XXXX XXXX, are DIFFERENT. If I did have an account with XXXX, I would assume my account number would be the same. No where on their website is there a place to input that account number to look up. XXXX XXXX said they had my SSN so it appeared as if the debt owed is legitimate, but then said how easy it is for anyone to obtain personal information. They also stated the debt was the result of services provided by XXXX XXXX XXXX XXXX. I have disputed this on XX/XX/XXXX for a second time with XXXX and have also filed a dispute with XXXX. Again, this is NOT debt that I owe. I have NOT received any care in XXXX XXXX. Let alone, emergency services in XXXX XXXX. I reside in XXXX XXXX and seek care in XXXX XXXX. My XXXX XXXX with XXXX has been NEGATIVELY affected TWICE by this fraudulent account and now my XXXX XXXX XXXX has been NEGATIVELY affected. This is unacceptable! XXXX XXXX XXXX and XXXX XXXX XXXX XXXX need to be investigated for fraudulent activity and false reporting on credit reports!
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| 04/20/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have disputed it with all 3 credit bureaus but XXXX notified me it was replaced on my credit then gave me the phone number to call. I should not have any medical bills for anything after XXXX should be paid. It turns out this is a fraudulent bill, and their claim is that they can report to the credit without sending the consumer any notification. They even recognized where mail was returned, and that the address for the account is older than the one entered in for an older debt in which I received the notice for just fine, just no notice for the one in XXXX. The company won't recognize red flags here that bills older than that came to me, it wasn't billed to insurance and more. Their initial response was to claim identity theft. I advised that I don't think that's what has happened, there was no hospital bill for this date of service, only emergency physicians bill with an old address on it. The service date was that of my son 's date of birth, proving all the more that I was not the patient nor was I in the hospital they deal with. I can prove many things to do with my son 's birth, but the lady from this collection agency asked me to try to get something from the hospital in which the emergency physician bill could have stemmed from saying that I was not there - I just don't see they'll write me such note dated 4 years ago, just because I don't have a bill for that day/year doesn't mean they can prove I wasn't there, just like I can't prove that my insurance was not billed. You can't prove a negative.
... ... ... .. Anyway, even though I think the original creditor mixed up information of mine, maybe with someone who lives in the house I once lived, therefore the fact they were mailing bills to that address but no bills to me. Intentional or not, my information was being used and is affecting my credit. Plus in XXXX of XXXX my mom once called the ambulance but I did not go to the hospital, she was just worried about me, but I did have the XXXX people in my house and when they asked my SSN, they gave me a XXXX name. It's never affected my credit, and I've never seen record of this name before, but since a police report for identity theft was asked for by the collection agency, and the original creditor or the previous collection agency to have the debt mixed up info, it is identity theft, intentional or not and therefore filed a report.
I am submitting here because I still don't believe it's right to have placed the account against my credit and I was advised that they are allowed to do that without having to notify a consumer of a debt. They didn't care that was they only account that had an old address on it and care to make sense that older accounts had the newer address.
Plus both times I called, they couldn't locate the account, they told me I didn't have an open account there, and needed a supervisor to re-open it, so if it's not open, why did they report it as delinquent on my credit? They've made no effort to collect the debt, fact is, they are guilty of " parking '' and placed it on my credit just a few months before the statute of limitations would be up to force the consumer to call in regardless if the debt is legitimate or not. I am placing here on the CFPB in hopes this pattern is recognized and it doesn't happen to others.
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| 06/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Please be advised that under Federal Statutes, The Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and Georgias Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. You may be held liable for the actions of XXXX XXXX XXXX XXXX
Please note that the these liabilities are under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition.
( A ) Reporting information with actual knowledge of errors.
HIPAA and Georgias Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act as issued 11/30/2009 and the Omnibus Final Rule effective 09/23/2013 and the FACT Act final rules effective July 1, 2010 are in effect in this situation.
The Privacy Rules prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
In general, PHI encompasses substantially all individually identifiable health information that is transmitted or maintained in any medium. Individually identifiable health information includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individuals physical or mental health or condition, including information related to an individuals care or the PAYMENT for such care.
Your furnishing of my account information to COMMONWEALTH FINANCIAL is not in compliance with HIPAA, or Georgias Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( HIPAA ).
I am requesting you promptly rescind all such account information furnished, by XXXX XXXX XXXX XXXX and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports.
You are also advised that you may be in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act.
I am reserving the right, to take appropriate legal and civil action including reporting to any applicable regulatory authorities any lack of cooperation or compliance with this request.
I hereby waive my rights under HIPAA and any State Privacy Act for the single purpose of your transmission of this request and accompanying documentation in any required report you must make to your E & O insurance carrier.
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| 08/11/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. This letter is regarding the account shown above, which you claimed to the credit bureaus XXXX XXXXXXXX XXXXXXXX and XXXX ) that I owed you money and it was charged-off in collection status. This is a formal notice that your claim is disputed.
Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request torVALIDATIONmade pursuant to the above-named Title and Section. I aggressively request that your companyprovide me with physical evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's, XXXX XXXX or XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any derogatory mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with meMUST be done in writing and sent to the address noted in this letter by XXXX.
|
| 02/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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There are 3 credit collection companies reporting duplicate credit accounts on my credit report. I have challenged several of the accounts and they are initially removed, and then placed back on my report sometimes several more times. The three companies involved are XXXX XXXX XXXX XXXX, Commonwealth Financial Solutions, and XXXX XXXX XXXX XXXX XXXX.
The first account is owned by XXXX XXXX for a balance of {$700.00}. This account appears on my XXXX report four separate times. The dates the accounts were opened are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt.
The next account is owned by XXXX XXXX for a total of {$480.00}. This account appears on my XXXX account twice with opening dates XX/XX/XXXX, and XX/XX/XXXX. This same account also appears on my XXXX report 3 separate times with opening dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of TWO and THREE delinquent accounts for one debt.
The next account is owned by Commonwealth Financial for a total of {$660.00}. This account is reported on my XXXX report FOUR times with opening dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account also appears on my XXXX report FOUR times, with the same dates. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt.
The next account is owned by Commonwealth Financial for a total of {$440.00}. This account appears TWO separate times on my XXXX report. The opening dates on this account are XX/XX/XXXX and XX/XX/XXXX. This same account is reported on my XXXX report TWO MORE TIMES by XXXX XXXX XXXX XXXX XXXX with opening dates of XX/XX/XXXX and XX/XX/XXXX. This account appears to have been initially owned by XXXX XXXX XXXX and was sold to Commonwealth Financial however both companies are continuing to report the account and both companies are reporting the same account twice for a total of FOUR delinquent accounts reported for one debt.
The next account is owned by XXXX XXXX for {$400.00}. This account appears on my XXXX report THREE separate times. The opening dates on this account are listed as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt.
And the final account is for a total of {$240.00}. This account appears on my XXXX account under Commonwealth Financial TWICE with the dates of XX/XX/XXXX and XX/XX/XXXX. This same account appears a third time on my XXXX report listed as XXXX XXXX for the same total with an opening date of XX/XX/XXXX. These are all three clearly the same account. These companies are fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt.
I've attempted to challenge these accounts, but as I stated, when I challenge the account they just add it on to my credit report for a third, fourth, or fifth time.
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| 08/12/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Commonwealth Financial Services balance {$100.00}? - I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service
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| 11/19/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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On XX/XX/XXXX I went to the hospital at XXXX XXXX XXXX Hospital at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I paid for the amount that was leftover after my insurance, XXXX XXXX/XXXX XXXX, at the conclusion of the visit. Overall, the visit was for a quick XXXX as I had fallen on my skateboard on the way to class and hurt my XXXX. Attached, is a medical bill showing that amount paid in full for my ER visit at XXXX XXXX.
On XX/XX/XXXX I was notified from XXXX that I had a pending unpaid medical bill from COMMONWEALTH FINANCIAL, XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX On XX/XX/XXXX I called COMMONWEALTH FINANCIAL and was told I had a pending unpaid bill from XXXX XXXX XXXX XXXX XXXX, a company I have never heard of or knew about at the time. They stated it was for an ER visit on XX/XX/XXXX. I stated I had forgotten about the visit as it had been over 4 years and have never been notified about any non-payments, including no notifications from my insurance. I was then told that since the bill was so old if I paid now directly to COMMONWEALTH FINANCIAL they would be willing to discount the amount to a lesser amount ( no number was given over the phone, email, or mail ). I asked for further details, but the only information they had was the original collector ( XXXX XXXX XXXX XXXX XXXX ) and the amount I owed them, {$510.00}.
On XX/XX/XXXX I called XXXX XXXX XXXX XXXX hospital and was told that the amount had been paid in full for the ER visit and that any remaining debt would have been sent to my insurance at the time. They emailed me the verified document stating my charges. They also gave me the phone number for the Emergency room physicians at the time to confirm if they had any payment issues.
On XX/XX/XXXX I called XXXX 's XXXX XXXX XXXX ( A different name was stated by the person over the phone when they answered ) and asked if they had any record of me not paying for any services. They asked for my social and stated that they had no record of me at all. I told them it was for a older record, and they stated that they likely no longer kept that record because they had switched hospitals multiple times and didn't keep records that old.
On XX/XX/XXXX I opened a dispute with XXXX that the charge was fraudulent. I could not confirm the charge by any original receipt from the original company that performed the service and had a receipt and voice confirmation from XXXX XXXX XXXX that my visit on XX/XX/XXXX had been paid in full. Additionally, once I called the original company that performed the service they stated they had no record of me and could not confirm or deny that I did or did not owe them money at some time in the past.
On XX/XX/XXXX XXXX notified me that they had updated the claim/dispute. The update consisted of them confirming the charge as legitimate, but providing no documentation or original receipt. Once I called the customer service of XXXX they said they were unable to understand what I wanted and hung up.
Present, I am sending a complaint to the consumer Financial Protection Bureau
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| 10/25/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have recently received a copy of my credit report and noticed Commonwealth Financialplaced private information about an account I have with them on my consumer credit reports. Per 15 US code 1684 and 15 US code 1681b from the FCRA, the law clearly states : In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Meaning, if you havent received written instructions from me, THE CONSUMER, to put an account on my report, it should not be there. This is a violation. I never gave written instructions to furnish any of the following accounts on my report : COMNWLTH FIN - XXXXXXXX ( COLLECTION ACCOUNT ) Secondly, according to 15 USC 1681, the law states : Accuracy and fairness of credit reporting. The congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
The following accounts are inaccurate and are in clear violation of my privacy which is a violation of the law. This is damaging to my reputation. As the consumer, I demand the following accounts be deleted from my credit report immediately.
COMNWLTH FIN - XXXX ( COLLECTION ACCOUNT ) As the consumer, I did not give any written instructions to have this account reported on my consumer reports. I have not given this creditor permission to put this account on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft pursuant to 18 USC 1028A. They have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
15USC 1681 ( a ) ( 4 ) A consumer has the right to privacy there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.
They are in federal violation of my rights, as a federally protected consumer who has the right to privacy. In addition, I demand to have a copy of my updated consumer report once the deletions have been made.
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| 09/08/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service
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| 04/17/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter.
2 ) What is your authorization of law for your collection of information?
3 ) What is your authorization of law for your collection of this alleged debt?
4 ) Please evidence your authorization to do business or operate in the state.
5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature.
You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed.
Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file.
Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
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| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX Unit # XXXX XXXX XXXX Neveda XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX XXXX : Request for Deletion and Removal of Collection Account Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 ), Adverse ActioXXXX ( 15 USC 1681a ( k ) ( 1 ) ), Equal Credit Opportunity Act ( 12 CFR Part 1002 ), and Falsely Relying on Information ( 15 USC 1611 ) Dear Sir/Madam, I am writing to formally dispute the collection account opened on XX/XX/2023, in the amount of {$910.00}, which is being reported by your agency without my consent. I hereby request that you immediately delete and remove this collection account from my credit report, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes.
Firstly, I would like to bring to your attention that your agency, XXXX XXXX XXXX, Incorporated, has violated the provisions outlined in the FCRA, specifically 15 USC 1611, by falsely relying on information in this case. I have reason to believe that the information you are reporting is inaccurate, incomplete, and misleading.
Furthermore, the adverse action taken against me by reporting this collection account without my consent is in direct violation of 15 USC 1681a ( k ) ( 1 ). According to this provision, adverse actions must be taken based on accurate and verified information, which I contest in this matter.
Additionally, the Equal Credit Opportunity Act ( 12 CFR Part 1002 ), particularly section 1002.7 ( a ), mandates that credit agencies must provide accurate and reliable information when evaluating an individual 's creditworthiness. By reporting this collection account, which I dispute, your agency is not adhering to this requirement.
As a diligent and responsible consumer, I believe it is essential to provide factual and valid proof of the existence of the debt in question. Therefore, I request that you furnish me with a notarized original account ledger, verifying the debt with the original creditor. This documentation will help ensure the accuracy and legitimacy of the alleged debt.
I would also like to emphasize that I have maintained a commendable credit history and have consistently demonstrated my creditworthiness. I am Credit Worthy therefore I expect this matter to be resolved promptly and for the collection account to be deleted from my credit report accordingly.
Under the Fair Credit Reporting Act, I am entitled to a response within 30 days of receipt of this letter. Failure to respond or address this matter adequately will leave me with no choice but to seek legal remedies to protect my rights and rectify the inaccuracies on my credit report.
Please acknowledge receipt of this letter and provide me with a written confirmation of the actions taken to resolve this dispute. I can be reached at the contact information provided below. Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX
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| 05/25/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Re : Violation of FCRA, Violation of FDCPA To Whom It May Concem : This notice is to inform you that COMMONWEALTH FINANCIAL SYSTEMS have unlawfully reported alleged debts to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021.
You have violated the FDCPA 1006.30a and its new rule by parking these alleged debts on my consumer reports. Cease and Desist the reporting of the alleged debts, or I will escalate this matter to taking legal action.
I XXXX XXXX have not given COMMONWEALTH FINANCIAL SYSTEMS written permission to report anything on my consumer report as required pursuant to XXXX XXXX XXXX.
You have No permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
I XXXX XXXX, NEVER have ANY written contract of ANY accounts with CommonWealth Financial Sys as alleged on my consumer reports.
YOU have ILLEGALLY Re-Aged these accounts which is Prohibited by law.
YOU, NOR BLUFF XXXX XXXX XXXX XXXX IS NOT THE ORIGINAL CREDITORS OF THESE BOGUS ACCOUNTS.
Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX Code XXXX - False or misleading representations A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt YOU HAVE VIOLATED THE FCRA. and FDCPA.
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST CommonWealth Financial Sys.
15 USC 1681 s-2 Says YOU, COMMONWEALTH FINANCIAL SYSTEMS are a furnisher of information to a consumer reporting agency.
Pursuant to 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION : ( A ) Reporting information with actual knowledge of errors- A person shall not furnish any information relating to a consumer to any consumer reporting agency. if the person knows or has reasonable cause to believe that the information is inaccurate.
In conclusion, YOU, CommonWealth Financial Systems have been put on notice that you are reporting INACCURATE and UNLAWFUL information, The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681S-2 of your responsibilities as a furnisher of information.
This is a final opportunity, PROMPTLY delete the erroneous, inaccurate re-age accounts and misleading information from ALL consumer reporting agencies that you have reported them to at once.
You have caused me and my family severe harm due to your negligence and inaccurate reporting.
YOU have 10 Calendar days to DELETE THESE ACCOUNTS FROM MY CONSUMER REPORTS!
OR, I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.
cc : Florida State Attorney
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| 03/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Hello, I have reached out to XXXX XXXX and XXXX XXXX, 1 ) to ask for a copy of my credit reports that they have with my information. I have contacted and called them without receiving a report. They have things on my credit that are not correct and need to be corrected. 2 ) HIPPA violators : I have doctor bills from XXXX ( XXXX XXXX, XXXX, Commonwealth Financial & XXXX XXXX ) and the other hospital is XXXX XXXX XXXX that were also paid either through medicaid from the past, charity, and employee insurance. I also have copies of the letters from the hospitals themselves, that I was approved for hardship and they paid the bills. For some reason, not through the not hospitals, they are still being reported negatively to my credit. They are not supposed keep passing to the next creditor after being paid. Against the law. They were to be paid in full and never late. 3 ) Lastly, I have inquiries on my credit that I have not sign up for. Why is it that companies can pull my credit, they do not leave my account for two years, but they bring my score down when they want? I thought my credit was for me to mess up and not others who are trying to get business? How is this fair to me? I want to be compensated if someone pulls my credit without my say so, but their pull can bring my score down. This is not fair to me and my money, due to lower scores I pay more in the end. It really is an insult when I pay companies to correct credit and my score goes up, but then right back down cause inquiries from others are pulling when they want. I want a copy of my reports to sent from ALL companies like XXXX XXXX, XXXX XXXX, and etc. It is my information and that is my right. I would like for the inquiries to stop without me freezing my accounts. Why should they be able to pull my credit to see if I qualify for anything before I am in need of it. How can paid doctor bills report negatively, with XXXX balance, and states it is paid in full? Then they just add an extra number to the account number and make it look as if I have two accounts for something paid? These are unfair practices and I have paperwork. But once I state the obvious, I am marked for life. Please help to correct these issues by numbers. I have tried to send the paperwork into the bureaus, even though it is on the companies letterhead, they would not accept it. Totally confused. So if the company never corrects or reports to the bureaus, I just suffer? Still spending money with companies to assist with credit repairs and steady wasting money due to these issues. since 2006 to present. 4 ) I also have a letter from one of the companies stating that they were going to correct the owed amount in 30 days due to them using unfair credit practices and that was part of their law suit. Still waiting on that and have not gotten one answer after contacting. Its easier to fax my documents instead of uploading. Be on the look out.
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| 02/17/2017 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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I called this company on XXXX XXXX, 2017 at approximately XXXX ( EST ). The first representative I spoke with was XXXX XXXX. The phone call lasted for XXXX minutes and 3 seconds. He furnished some of the information regarding the medical debts his company had come to own but did not provide enough information for me to be able to understand exactly where and when the debt was coming from. There were multiple accounts and the dates seemed different than what my records indicated. I was trying to ask questions about the debt and questions about how to pay the debt. I insisted that I was willing to pay the debt. I was XXXX. I was not yelling or using any profane or derogatory or defamatory type language toward XXXX. He indicated that he was ending the call and hung up. I called back and XXXX happened to answer the phone this time as well ; I asked to be transferred to a manager. I spoke with XXXX XXXX. XXXX XXXX was able to more clearly tell me where the debt originated from. During our conversation, I agreed to pay a lump sum over {$600.00} to resolve the debt and have it deleted from the XXXX reporting bureaus, XXXX, XXXX and XXXX. Having XXXX " ghost debts '' that were bought from a third party being reported by this fourth party, Commonwealth Financial Systems is about the worst and most damaging thing that could happen to me at the moment. I am on social security XXXX due to XXXX. My husband is XXXX from the XXXX XXXX as of XXXX XXXX, 2017. With his XXXX approaching, we may need to sell our house and either rent an apartment or buy a home. I have worked hard to have good credit. Other than the future of being able to secure housing, I am concerned XXXX different accounts listed for collection, will be quite damaging to my financial situation. I have credit cards fro the purpose of building my credit history and I am very concerned that such a drastic change may impact the rest of my credit health which I have been very careful with. I use XXXX XXXX, XXXX XXXX and XXXX XXXX to stay on track with my credit. If the companies that furnish my cards lower my limits as a result of these collections, it will take me a minimum of 6 months, and probably longer to recover my good credit standing. I have been promised that the derogatory marks will be removed by this company and I was assured this morning, XXXX XXXX, 2017, by XXXX that the company had already started the process of having these remarks removed. XXXX XXXX should have been more professional and helpful and should not have hung up the phone. I should have been furnished with the proper information and he should have been willing to work with me regarding the payment of the debt.
XXXX XXXX assured me deleting the collections from the XXXX buraeus, XXXX , XXXX and XXXX and mailing letters of deletion to me to give me confirmation that the information was deleted from the XXXX respective bureas.
XXXX XXXX
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| 07/30/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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The following is a letter I sent to Commonwealth Financial Systems disputing the debt that I do not owe and have already paid:
Commonwealth Financial Systems
XXXX XXXX XXXX XXXX XXXX, PA XXXX
Account Number: XXXX.
Dear whoever it May Concern:
This is the second time that I have disputed this account with your bureau. The first time, they stated that I owed the debt, yet could NOT provide me with documentation proving that I owed the debt. This is unlawful and completely unreasonable. The Fair Debt Collection Processes Act allows me to request you to send proof of the debt through debt validation which you have not done. I have requested that your business not contact me, and yet I still get phone calls from this agency demanding that I set up a payment plan for a debt they cannot verify. This is illegal and against everything that debt creditors should stand for.
The fact that you as a business have purchased an inaccurate and somewhat questionable collection account from me with no paper trace is unethical. I have been harassed to comply with payments that have no bearing and no trace to me as a person due to no verification. I filed a dispute with XXXX, which was submitted on XX/XX/2019. It is now XX/XX/XXXX, and the status is not yet under investigation. I demand this account be taken off of my credit report or I will take legal action against you as a fraudulent bureau.
I made a XXXX payment to the account thinking it was another medical bill, however I was mistaken and had already paid that bill. This bill from “XXXX XXXX XXXX” is inaccurate given that I had already paid the hospital for the visit that I sustained. This is a poor practice that has negatively affected my credit and has led to many harassing and demanding phone calls from people inside your business claiming that I owe the debt, yet CANNOT supply me with ACCURATE, DATED information.
The most recent paper trail I have in my documents is a piece of mail from XX/XX/2019. I have been asking for documentation for 6 MONTHS. Medical bill collections are a violation of HIPPA, and I have had people from your business refer to my medical bill as an “ailment” when they should NOT have released my medical history without authorization. I have contacted XXXX XXXX XXXX and they have no recollection of this debt and cannot verify it either, and to reiterate, did NOT have my permission to release such pertinent, personal information about my health records to a third party creditor.
As previously stated, this is unethical and illegal. The harassing phone calls and demands of payment for an account neither business can verify is ridiculous. If this proceeds, legal action will be taken against your bureau as a means of a fraudulent business who is not complying with the regulations set forth by the FDCPA. You would not pay a creditor that cannot verify a debt, so why should your customers?
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| 03/09/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
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Web |
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On Fed XXXX, XXXX I received a call from XXXX. My boyfriend answered the phone and the man on the line wanted to speak with me. I was unavailable so I called back the next day on XXXX XXXX, XXXX and a lady named XXXX answered. I could n't understand what company she was working for and asked her what this is about. She did n't ask me for any information & I figured she pulled up my info based off of my caller ID. She said it was about XXXX XXXX XXXX XXXX XXXX debit. I told her I did n't know what she was talking about since I paid off XXXX garnishments last year & my credit score has only been increasing since then. I asked her when the last payment was and XXXX said XXXX XXXX. When I checked my credit report, my last payment to XXXX XXXX Bank was actually XXXX XXXX. Not sure why she told me the incorrect information but it started to feel fishy ... .something did n't seem right, a bit like a scam. She never asked me to verify who I was other than I told her my name at the start of the call but she never verified my birthday, Social Security #, address, etc. She never told me " this was an attempt to collect a debt. Any info obtained will be used for that purpose '', nor did she advise if the calls are monitored or recorded. She told me I owe {$1600.00} plus {$5000.00} fine & court cost or I could go to jail for 5-7 years. She caught me off guard & I got upset, XXXX XXXX XXXX. I asked about a settlement & she put me on hold to speak with an attorney about my case. I was on my lunch break and could n't remain on hold any longer and just hung up. She called back 2 other times that day & left me a message saying to call them back otherwise they will have to move forward. I never called back because I could n't trace back their callback numbers to any law firm. This seems like a scam. It has been 2 weeks and I have not received any validation of the debt. XXXX left me a last voicemail on XXXX XXXX, XXXX saying the attorney is moving forward & I will be summoned for court & she even said my current address on my voicemail. Kind of creepy since I 've never verified any of my information with this lady/company and I 'm not sure how she knew my personal information. I 've lost sleep over this issue lately and have had some stress issues too. I do n't want to go to jail and have never been threatened like this before. I thought according to the F.D.C.P.A. that they ( bill collectors ) had to go by customer service now and not bullying someone.
Here are the phone numbers for this " attorney 's office '' -- yet I can not find any exact listing on the internet. Why would n't a law firm 's phone number trace back to them when I try to find out who they are specifically?
XXXX XXXX XXXX ext XXXX ( this # comes up as a fax machine # for XXXX XXXX in XXXX XXXX , FL XXXX XXXX XXXX Thank you for your review and help with this matter.
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| 09/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
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XX/XX/XXXX Discovered via brief review of my credit, that a " derogatory account '' appeared on my XXXX Credit Report. The collection firm, " Commonwealth Financial Systems '' displayed {$630.00} medical debt. CFS 's ph. # XXXX and address, XXXX XXXX XXXX XXXX XXXX, PA. XXXX. Immediately I called CFS, spoke with XXXX XXXX and he confirmed debt was from XX/XX/XXXX. A medical debt with an Emergency Room in XXXX. XXXX said he had no further details and quickly added CFS is willing to accept 35 % of for {$410.00} to close the debt. I expressed my concern for not know of this debt nor who they were. I do not recall any calls or letter ( s ) referring to this old debt. I suggested XXXX do more research and I will do so as well.
XX/XX/XXXX : I contacted XXXX XXXX Hospital, XXXX, Fl. They directed me to XXXX billing. XXXX confirmed I was admitted to the Emergency Room on XX/XX/XXXX, treated and released on XX/XX/XXXX. XXXX confirmed I paid my XXXX {$150.00} co-pay and XXXX paid the remaining balance, {$3200.00}. XXXX suggested I call XXXX for more billing details.
I called XXXX, spoke with XXXX, ( Employee # XXXX ). XXXX hoped to have a response within one week.
XX/XX/XXXX : XXXX, XXXX, left voice message confirming I paid the {$150.00} Co-pay and has requested archive documents. She also attempted to contact CFS to inform I had Health Insurance in XXXX but she was unable to reach them.
XX/XX/XXXX I received voice message from XXXX she needed my approval to Fax selected health records to CFS to display I had Health Coverage.
XX/XX/XXXX XXXX, XXXX, left V message she faxed my E.O.B., ( Explanation of Benefits Payments ), to XXXX XXXX, ( CFS Mgr. ). EOB was itemized with 21 payments totaling {$3200.00} dated XX/XX/XXXX & XX/XX/XXXX. XXXX spoke with XXXX who stated debt will be removed upon receipt of the EOB..
XX/XX/XXXX I spoke with CFS 's Mgr. XXXX XXXX. He confirmed receipt of the EOB but it now had to be reviewed by another team. He said it should a few days.
XX/XX/XXXX I called CFS asking for XXXX. Spoke with XXXX who stated the review will take a few more days. I expressed my frustration as CFS had the EOB document, full payment confirmation, for more than 10 days. " Please have XXXX call me ASAP.
XX/XX/XXXX : At this juncture I question if CFS is now operating outside the parameters of the law. 1 ) State of Florida could not confirm CFS 's appropriate licensing. 2 ) It may be considered " Fear tactics '' adding a debt to a consumer 's credit report without confirming contact with the consumer first. 3. ) Now having documented proof of the EOB, direct from the Health Insurance Co, in their hands for over 10 days why has there been further delay to declare this debt paid? This may be considered " harassment ''.
CFPB, Please assist me to resolve this 5 year old issue. I do not know what more I can do..
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| 06/19/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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XX/XX/2021 COMMONWEALTH FINACE XXXX XXXX XXXX XXXX, PA XXXX ***SENT VIA CERIFIED MAIL*** Certified Mail No. XXXX XXXX XXXX XXXX XXXX Commonwealth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX COPY SENT TO XXXX RE : Collection Account # XXXX To Whom It May Concern : This letter is being sent to you in response to an entry made on my XXXX, XXXX, XXXX Credit Report, XX/XX/2021. I neither affirm, nor deny this purported debt. You claim I owe {$2200.00}. Please tell me how this was calculated. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec809 ( b ) that your claim is disputed, and validation is requested. I am herby requesting a copy of the last bill that says I owe somebody and a signed cop of the agreement. In addition, I need to know how much you paid for this debt, what was the original delinquency date according to the amount you say I owe.
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the
above-named Title and Section of the Fair Debt Collection Practices Act.
You should also be aware that reporting inaccurate and unsubstantiated information to a credit reporting agency might constitute fraud under federal law. Your legal staff will agree that compliance with this request is required under the laws of State and Federal Statutes.
In addition to the debt validation form, please attach copies of : 1. Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
2. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State and Federal Authorities. I also hereby reserve my right to take private civil action against you to recover damages.
In addition, The Fair Credit Reporting Act states that while this item is being investigated by you ( under dispute ) you must remove/cease from reporting this information to the Credit Reporting agency until full validation has been completed. I have taken the liberty in also copying this request to the Credit Reporting Agencies.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Cc : CRAs ( XXXX, XXXX, and XXXX )
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| 09/20/2020 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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On XX/XX/2020 I received a letter from Commonwealth Financial Systems , Inc., XXXX XXXX XXXX, XXXX XXXX, PA XXXX listing 13 " account numbers '' and dollar amounts of alleged debt from XXXX XXXX XXXX. They had already taken action to ruin my credit by filing numerous derogatory comments at the credit bureaus on XX/XX/2020. They didn't just THREATEN to ruin my credit ... they took action to ruin my credit before they ever notified me of anything or provided me a chance to dispute this. I called on XX/XX/2020 and sent a letter advising them that I have valid, current health care insurance ; that I disputed the debt since they didn't bother to list dates of service, name of patient, or description of services. I also advised that they had made NO NOTIFICATION to me prior to making derogatory remarks at the credit bureaus. I asked what steps they had taken to validate the debt before making the derogatory remarks. The woman said they simply " assume '' the debt is valid. I requested validation and advised that I dispute the debt. I was told validation would be sent. However, a few days later, they made additional derogatory remarks at the credit bureaus, even after I advised them it was in dispute. I filed a complaint with the XXXX explaining that I have no idea what this is about, and that the collection agency did not validate the debt. They LIED in their response to the XXXX claiming they sent validation on XX/XX/2020. Their letter to me wasn't dated until XX/XX/2020 advising they had these accounts and offering a 25 % discount on the debt. In addition, their employee verbally admitted they did not validate anything since they " assume '' records from a health care facility are valid on their face. I disputed the debt with the credit bureaus in XXXX and it was removed. After being notified by the XXXX of my complaint to which they filed the false statement about sending validation on XX/XX/2020 that I mentioned above ... they also told the XXXX they were requesting additional information. Why would they need additional information if they had already validated and sent me validation on XX/XX/2020 ... .they didn't do any of that. NOTHING has been provided since their original letter dated XX/XX/2020. To make matters worse, in XXXX they filed all new additional derogatory comments. I have no way to determine whether this debt is valid, whether it is old, and/or who even received XXXX XXXX. I have a family plan. I have seen many complaints about this company on the internet regarding the fact that they try to collect debt that is not valid, and engage in the same type of unethical conduct with the credit reporting agencies. It is my belief they continue filing these bogus derogatory remarks to harass and try to intimidate me into paying bills that I do not owe.
|
| 01/19/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I initially filed a complaint XXXX and stated the below.
" Looking at my credit report on XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One account was for {$200.00} and one for {$170.00} which is listed on my credit report as account XXXX. I sent a letter to the agency today on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ). '' company responded " Ref # XXXX {$200.00}, # XXXX {$170.00} To Whom It May Concern : This letter is confirmation that a complaint was received from your office on behalf of XXXX XXXX XXXX. Please let it be known that this complaint was taken very seriously. XXXX XXXX 's complaint was examined by our Compliance Department, and a request was made to retrieve call recordings. There were no calls found. Our company did not file litigation on either account and have no intention to do so. Commonwealth Financial Systems was assigned both accounts for collections on XX/XX/XXXX. We are a third-party collection agency and as such we no not have contracts directly with consumers. We service accounts on behalf of our clients. Letters of validation were mailed to XXXX XXXX on or around XX/XX/XXXX. Commonwealth will send a deletion request to the three major credit reporting agencies to remove the accounts from XXXX XXXX 's credit history as the accounts are being investigated. In addition itemized billing statements will be mailed to him to the address listed in this complaint. I hope this response is satisfactory to XXXX XXXX and addressed his concerns. XXXX XXXX can contact our agency should he wish to discuss this matter by calling our toll free number, XXXX ext XXXX, XXXX XXXX XXXX , Collection Manager. If he has any correspondence that would verify that he is not responsible for this debt he should send it to our office so that we can forward to our client to be researched. He can mail it to our address XXXX XXXX XXXX XXXX XXXX, PA XXXX, fax to the Client Services Department { XXXX } XXXX, or email XXXX. Please do not hesitate to contact my office should you need further assistance. Thank You. XXXX XXXX Client Services This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' Company has not deleted this collection account from my XXXX report as they said they would as per the above statement.
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This complaint is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies.
This is not a refusal to pay, but a notice that your claim is disputed.
The following agency COMMONWEALTH FINANCIAL SYSTEMS and the following Original Creditor Name XXXX XXXX XXXX XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports.
I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Florida medical privacy rules .
I also hereby reserve my right to take private civil action against you to recover damages.
|
| 12/08/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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Re : Acct # XXXX, XXXX To Whom It May Concern : This letter is being sent to you in response to your attached letter. This is not a refusal to pay, but a notice that my claim is disputed.Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt.
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. -- The term ''breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization.
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 15 days. or a complete withdrawal, in writing, of any claim.
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules.
I also hereby reserve my right to take private civil action against you to recover damages.
|
| 05/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have requested in writing via certified letter the following : XXXX CERTIFIED MAIL WITH RETUR RECEIPT To whom it might concern, Commonwealth Financial Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Alleged account / balance : {$1200.00} Alleged original creditor : XXXX XXXX XXXX XXXX XXXX Alleged Account # XXXX Dear collection agent, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from {$1200.00}, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I'm allowed under the Health Insurance Probability and Accountability Act ( HIPAA ) to protect my privacy and medical record from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX, for them to release my medical information to a third-party I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization XXXX Please provide breakdown of fees including any collection cost in medical charges. Please provide a copy of my signature with the provider of service to release my medical information to you.. I am also requesting that you cease and desist all collection activities including reporting to all consumer reporting agencies/ credit bureaus. I also promptly request deletion of any and all prior reporting that was made to all consumer reporting agencies/ credit bureaus. If you comply with my deletion request within 14 days, verification is excused. I Also promptly send me a verification letter confirming the request to all consumer reporting agencies / credit bureaus deletion of your reporting of this alleged debt.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA-compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with the alleged debt.
Please be aware, if you choose NOT to comply with my demand letter, I XXXX turn this over to my local States Attorney General XXXX and a local attorney. I have also Directly Faxed this letter to the XXXX XXXX XXXX XXXX @ XXXX.
I received a letter with the allegedly {$1200.00} but not the breakdown of the allegedly amount. I also asked for the deletion of this debt from all the reporting agencies and until today it still appears in my credit report.
|
| 12/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I was initially contacted by Experian credit alert on XX/XX/XXXX, and was also contacted, via XXXX XXXX credit alert, of a medical debt of {$420.00}, on XX/XX/XXXX. The date of service was XX/XX/XXXX. This bill was from a vehicle accident involving my ex-spouse and my son. My ex-spouse was not at fault and collected a settlement from the " at-fault '' insurance company ( see case # XXXX, XXXX County, Ohio ) .The divorce between my ex spouse and I was finalized XX/XX/XXXX. I stated to Commonwealth Financial Services , Inc., that this is NOT my debt. They stated to me, " Well, it has your name on it now, so you will have to pay for it. '' I asked XXXX on XX/XX/XXXX, to send me the information and proof that this alleged debt is mine. It has been 6 days, and I have not received any correspondence from Commonwealth Financial Systems Inc.
So, my main complaints are : 1. This is NOT my debt, nor have I EVER received any kind of bill from them in SIX years since the date of service.
2. They have NEVER contacted me prior ( EVER ) with ANY kind of communication prior to putting this alleged debt on my credit report not allowing my right of 30 days to be able to dispute it, by law.
3. After I called them on XX/XX/XXXX, I did NOT receive any correspondence validating the alleged debt and/or proving it was indeed mine. By law, they should have sent something within 5 days!
4. On XX/XX/XXXX and XX/XX/XXXX, illegally and knowingly accessed my credit report fraudulently, without ANY permissions from me ( written or verbal ).
5. Lastly, according to State of Ohio Law, there is a statute of limitations of 6 years. Just one ( XXXX ) and two days ( XXXX XXXX ), after the statute of limitations expired. So, ANOTHER law that was violated by Commonwealth Financial Systems Inc.
So, in summary, this is either a debt owed by my ex-spouse, XXXX XXXX XXXX ( date of birth- XX/XX/XXXX ), or this is a scam.
This " alleged debt, '' which is definitely NOT mine, has taken a serious negative toll on my credit! My credit score has decreased dramatically due to the illegal practices of Commonwealth Financial Systems Inc! I have also seen dozens, if not hundreds, of similar complaints on the XXXX, and other consumer websites, along with the State of Colorado ( where I live now ) and the State of Ohio ( where the alleged debt occurred ) Attorney 's General Office websites. How in the world is this company, even remotely, allowed to stay in business??? Continuing to use illegal tactics to attempt to scam thousands of people out of there hard earned money? Just as a side note, I currently am disputing this alleged debt with all 3 credit bureaus.
I just hope the CFPB can and will be able to do something about this company.
Thank you for your time.
|
| 01/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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On XX/XX/XXXX I went to the emergency at XXXX XXXX XXXX Hospital from a XXXX XXXX. The following month I received a bill of {$270.00}. I forwarded the bill to to owner of the dog because they said they will take care of the bill and they give me a check of the said amount and I took is personally to the hospital and it was settled on XX/XX/XXXX. Since this payment was made I never ever received any other bill or calls letting me know of any unpaid billof {$280.00} at all. I have been working on building my credit by making all my payments on time for the past six years. Last year around XX/XX/XXXX I received an alert that my credit history had drastically gone down. I launched a dispute through XXXX to determine what was wrong with my credit and they investigated and informed me that I had a bill that was not paid for XXXX XXXX XXXX Hospital. I called the collectors Common Wealth Financial Systems to find out about this said amount and advised me to find out from the hospital. Therefore I personally went to the hospital and they checked their records and said that I didn't have any unpaid bill unless if it was for the emergency physician Dr . They gave me a No. to call for physicians billing department. I called them and they also said that they could not find any unpaid bill with my name with them. I called the collectors and they explained to me that they were directed by a company called XXXX XXXX XXXX whom they claim were the purchasers of the physicians company. I asked if anybody called or wrote a letter to inform me of this unpaid bill of {$280.00} and they could not give me any answer. I was very absent and disappointed and asked them why nobody including the Common Wealth Financial Systems ( collectors ) nor XXXX XXXX XXXX ever informed me of this unpaid bill before they forwarded it to my credit report. The letter that was issued was after my phone conversation with Commonwealth Financial System for collection which was to cover up that they wrote a letter earlier trying to recover the unpaid bill received after my phone call on the XX/XX/XXXX claiming the legal time had expired. In the first place how can they say they made attempts when I NEVER received any letter to inform me of the bill. This letter they just issued is the first I ever received. Why would they claim they made attempts and why could they issue a letter like they did after my phone call and after damaging my credit history. I have always paid my bills on time and this could not have been an exceptional. I need an explanation why nobody informed me of the said bill? Legally there should have been attempts either through writing or phone calls made informing me about the unpaid bill and to my dismay no efforts were made.
|
| 08/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi Manager ; This is a violation of my medical rights and definitely a violation of both FDCPA and HIPPA violations. Listen, I was shocked when I reviewed my credit report today and I still found a medical collection from CFSI or Commonwealth Financial services for {$2100.00}. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have never had any relationships with this company listed and i really don't want to waste my time going back and forth. I honestly do not believe to ever have any relationship with this collection agency or original creditor. I called them and they mentioned it's an old medical account from XXXX from XXXX XXXX XXXX which i have NO RECOLLECTION and when i asked the representative, she said that she's going to place it under dispute for now.
Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 10/23/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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This is my third complaint against Commonwealth. Their response to the most recent complaint about this alleged debt is not satisfactory for me. They have not proven solid validation of this alleged debt. I told you guys this alleged debt was reporting with XXXX XXXXXXXX XXXX XXXX back in XX/XX/XXXX along with reporting as a debt for Commonwealth on my credit report. You claimed that your client XXXX XXXX verified that you were the only company with this alleged debt. However, I reached out to XXXX XXXX in XXXX, and they responded with written notification to remove the debt from the bureau because it was actually reassigned to XXXX XXXX which is their " sister company ''. XXXX XXXX is a " XXXX XXXX XXXX XXXX '. XXXX XXXX is not a " CREDITOR ''! And has not ever been in any type of business with me. According to title 15 USC 1692a ( 4 ) The term " CREDITOR '' means any person who offers or extends credit creating a debt or to whom the debt is owed, but such terms DOES NOT INCLUDE ANY PERSON TO THE EXTENT THAT HE RECEIVES AN ASSIGNMENT OR " TRANSFER '' OF A DEBT IN DEFAULT SOLELY FOR THE PURPOSE OF FACILITATING COLLECTION OF A DEBT! XXXX XXXX bought this alleged debt from XXXXXXXX XXXX XXXXXXXX XXXX who was the XXXX XXXX Agency who bought this alleged debt from THE TRUE ORIGINAL CREDITOR " XXXX XXXX XXXX XXXX ''. The original account number for XXXX was XXXX. Then when XXXX XXXX XXXX obtained it the account number for them was XXXX. And now the account number with Commonwealth and XXXX XXXX through XXXX XXXX is XXXX. This alleged debt has been floating around from one collections agency or debt buying agency to the next since XXXX! I asked for the ORIGINAL contract and bill for services rendered from the Original Creditor. And what I received from Commonwealth was fraudulent documentation from XXXX XXXX as the current creditor when it should say current " debt buyer '' or " collection agency ''. Commonwealth stated and I quote " We obtained Verification of this Debt ''. They claimed to have met the standard of verification of the debt and that they are in full compliance with the FDCPA and the FCRA. Commonwealth claimed they sent me an itemized billing statement but what I received was XXXX printed up by XXXX XXXX. This bill is not from the original creditor. This alleged debt has not been Validated. In the attempt to collect this alleged debt Commonwealth has violated my consumer rights and is in violation of the FDCPA. You will find an invoice of every violation committed by Commonwealth per FDCPA. pay for I want this alleged debt to be removed immediately off all my reports and it should not be sold or transferred to another collection agency. And please make check payable to XXXX XXXX!
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| 07/31/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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STATEMENT OF FACTS REGARDING COMMONWEALTH FINANCIAL XX/XX/2020 I received notification about a new collection on my credit report, so I checked the report and immediately sent a dispute about the collection because I had no idea what this collection was about.
XX/XX/2020 I received notification that my dispute had been updated, so I checked the website and they stated the debt had been verified and updated the debt collectors information.
XX/XX/2020 I called Commonwealth Financial at XXXX to inquire.
XXXX answered the phone and I explained that I disputed the charges and XXXX XXXX ( original bill producer now XXXX ( and many other names used by XXXX XXXX ) ) has no right to try to collect the debt due to timely filing rules being violated, therefore forfeiting their rights to collect. I told XXXX that I will be sending them a letter, asking them to stop collecting on the invalid debt ( timely filing for NYS is 90-days ).
I told XXXX that I had never received a letter from her company notifying me of the debt before it was attached to my credit report on XX/XX/2020. XXXX told me that they sent me a letter XX/XX/2020.
The date of service for this collection is XXXX ( over 5 years after service I am now learning of this debt owed ).
I called back and spoke to XXXX, I requested that they send me another letter, since I did not get the first one.
I called back again and asked XXXX to verify my entire address to make sure they have my address correct, which he did verify, and he also verified that they will send me out a copy of the letter.
XX/XX/2020 Called Commonwealth Financial again spoke to XXXX, asked if they resent me the letter that I requested, and she told me that they requested an itemized statement, which takes a little longer. I XXXX that I did not request an itemized statement, I requested that they resend the letter from Commonwealth Financial, the one that they supposedly sent me on XX/XX/2020. I informed XXXX that the reason I want the letter from Commonwealth Financial is to confirm they are licensed to collect in Tennessee, and normally the letter would tell me that I had 30 days to dispute the claim for debt. By XXXX 's testimony, they did not send the letter until XX/XX/2020, and they attached it to my credit on XX/XX/2020 ; they did not give me 30 days to dispute regardless of whether or not I received the letter ( which I did not ). XXXX then informed me that she told their legal department about my request for the letter. Nothing else was said other than XXXX informed legal about my request, so I informed XXXX that is exactly what I wanted. I inquired about Commonwealth Financial license to collect in Tennessee and the legality of their actions in whole.
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| 09/29/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Known Alias : XXXX XXXX XXXX Received notification on XX/XX/XXXX by XXXX ID monitoring that new Collection has appeared on XXXX Report. Collection shows Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX, PA XXXX for amount of {$1200.00}. Original Creditor was XXXX XXXX XXXX.
Contacted on XX/XX/XXXX XXXX Ext XXXX at Commonwealth Financial Systems. CSR was unable to locate the debt with my Name, Adress, or telephone number. Reluctantly provided my SS # to find out what this was about. XXXX asked for my date of birth to confirm Identity. Stated that Date of Birth they have on record does not match. CSR asked my legal name and if I knew a XXXX. I stated that it is my middle name. CSR stated that debt was not mine, the only match they had was a SS #, and it was for a person with a different name and birthdate. CSR stated would be removed from credit profile in 2-3 weeks.
Contacted XXXX to make sure was properly disputed as well as to place a fraud alert on my account. Was told by XXXX that Commonwealth Financial Systems, is reporting the Debt for : XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX MO XXXX. Disputed the debt with XXXX as I have lived at my current address for XXXX years and have never had the alias XXXX XXXX XXXX.
XXXX dispute was completed as the debt is accurate on XX/XX/XXXX. Contacted XXXX to redispute. XXXX states that Commonwealth Financial Systems has updated the debt to my current address at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. Reopened dispute for debt with XXXX on XX/XX/XXXX and Dispute name XXXX XXXX XXXX as not a known alias and the address for XXXX XXXX XXXX that will still showing on my profile.
On XX/XX/XXXX open the mail and have a letter addressed to XXXX XXXX XXXX Marked personal and confidential from XXXX XXXX XXXX XXXX, NC XXXX. As this is not me I have put back in Mail as return to sender.
Am beyond exhausted and frustrated. I have never recieved care from XXXX XXXX XXXX nor do I owe any known entity. Frustrated that the collection agency is slowing changing the debt to where it has more and more of my information and am concerned that they may have updated my birth date to the debt when I contacted them for verification. Was part of XXXX breach and am concerned that Commonwealth is using information contained within to attach a debt with a person that has a similar name to mine.
Do not know when original service was provided, but can provide further details of my schedule to prove that I was not provided the services by XXXX that Commonwealth is trying to collect. Also upon request can show Utility bills starting with when I moved into my current address to current.
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| 03/05/2019 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I previously disputed both referenced accounts above on XX/XX/2018 with a dispute letter included in this dispute to XXXX XXXX, XXXX. The XXXX credit report dated XX/XX/2018, report # pg. 21,22 shows the debt collector at the time was XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, for account # {$1000.00}.
A XXXX credit report dated XX/XX/18 enclosed with this dispute on pg. 4 of 6 results shows the account # {$1000.00} was deleted!
Account # for {$690.00} was also disputed along with the previously disputed letter to XXXX XXXX indicated in the letter.
Now I notice these items have been reinserted on my credit report under COMMONWEALTH FINANCIAL SYSTEMS, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX.
Also, the account under collector, COMMONWEALTH FINANCIAL SYSTEMS for {$690.00} is the same account under account # for {$690.00} was also disputed at the same time as account # for {$1000.00} In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.
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| 01/17/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Commonwealth Financial Systems is trying to force me to pay a debt that is not real. They are attempting to collect this fictitious debt on behalf of XXXX XXXX XXXX XXXX, which is a business that I have NEVER been to. There are dozens of XXXX reviews for XXXX XXXX XXXX that are all from people who also have never ever been to XXXX XXXX XXXX, yet have received bills and calls from debt collectors regarding this made up services. Some of these unfortunate targets say that they have actually paid the requested amount, but they still continue to receive new bills.
The first communication that I received from Commonwealth Financial Systems was extremely suspicious and I believe it may have violated the FDCPA. The caller refused to identify themselves and would not tell me why they were calling or who they represented. The asked me to provide personal information before they would share any information with me regarding the call, which I refused as it clearly seemed like a scam. They asked for my social security number and date of birth. When I asked again what the call was about, the called said that it was " in regards to a business proposal '', which I now know was a complete lie and is in direct violation of the FDCPA. When I refused to give my personal information, the caller made it clear that they knew my current address, in a manner that I perceived as threatening and distressing. They then said that they would be sending me a letter, which later arrived.
This letter included the amount of the fictitious debt and named XXXX XXXX XXXX XXXX as the debt holder. The letter indicated that if I did not dispute this claim within 30 days, that they would assume it was legit, which can not honestly be the appropriate way to approach debt collection.
I called the number at the bottom of the letter with the correct extension and asked for the person named at the bottom of the letter. I was told that this person worked in a different department even though I dialed his extension. The person who answered the phone then said my name and that they knew it was me calling, despite me not identifying myself to them. They then immediately asked me for my date of birth and social security number again. I told them I was not comfortable giving out this information. They transferred me to someone who I was told was a manager, and the same process repeated. I asked why I should give out personal information to such a suspicious party and the manager only insisted that they were legit, " of course we're legit, we sent you a letter. '' was his only explanation. I refused to give my personal information to this shady company regarding a fake debt. This is a clear and obvious scam.
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| 03/06/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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BACKGROUND : Commonwealth Financial Systems Incorporated is attempting to collect a debt they purchased from XXXX XXXX XXXX. XXXX XXXX XXXX is the original creditor. XXXX XXXX XXXX. Commonwealth Financial Systems. I am not responsible for either one of these debts nor am I liable for this debt.
STATEMENT OF FACTS : On XX/XX/XXXX, I filed a complaint against Commonwealth Financial Systems Incorporated stating I am not responsible for this debt. Commonwealth financial responded ( see attached Document ). They stated this debt will be removed from my credit reports until it was verified. They also claimed to be sending me a debt validation letter. I never received a debt validation letter as they claim. I received a bill and an attempt to collect a debt that I do not owe. ( See attached documents ) On XX/XX/XXXX, I contacted the original creditor XXXX XXXX XXXX, who's phone number is ( XXXX ) XXXX and informed them that I was covered by insurance at this time and they did not have the right to bill me. My insurance then contacted a representative named XXXX at XXXX XXXX XXXX to resolve this issue. My insurance informed me that this matter is now resolved. And I am not liable for this debt.
On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with a representative named XXXX. She informed me that ANY debt I owed to them has been resolved NO amount is owed to their company by myself. XXXX at XXXX XXXX XXXX informed me that she had contacted Commonwealth Financial Systems Incorporated and advised them to remove the account from collections and to contact all 3 credit bureaus for removal of this account. XXXX stated that Commonwealth Finacial Systems Incorporated is refusing and/or not responding to the demands of the original creditor for removal of this account.
I spoke with Commonwealth Financial Systems Incorporated on XX/XX/XXXX and the representative stated no one from XXXX XXXX XXXX has contacted them at all. I then called XXXX XXXX XXXX again and they assured me that they have contacted Commonwealth Financial Systems Incorporated in an attempt to advise them that this account is not collectible as no money is owed by myself. Commonwealth Financial is refusing to or not complying with the demands of the original creditor.
Conclusion : Commonwealth Financial Systems Incorporated needs to remove this account from all 3 of my credit reports effective immediately. I am not responsible for this debt. He holds no obligation in paying this debt. Commonwealth Financial Systems Incorporated is required by law to conduct collection practice in a fair and ethical manor yet they are failing to do so and willingly violating state law, federal law and consumer rights.
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| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my XXXXredit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt.
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error.
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus.
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name.
I look forward to your immediate co-operation.
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| 10/05/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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COMMONWEALTH FINANCIAL XXXX I am sending this letter to you in response to your reporting of an account to my credit report. To my knowledge, I have never been notified that I owe you a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I request proof that I am the party which has a binding obligation to pay this debt and only by providing the following documents will legal validation be satisfied under the law.
Complete balance and payment history, if any, to show amount sought is accurate ; the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX.
Agreement bearing my signature where I promised to pay you or another creditor the alleged debt.
The agreement granting you the authority to collect on this alleged debt and if purchased, proof of the amount you paid for the debt. ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) - ( Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. ) Provide proof of XXXX delinquency and last payment date to original creditor, if any.I know my rights. I know that upon this notice you are required to cease all collection activity until complete validation is provided in writing. I know you must cease all phone calls to me whatsoever and may only communicate in writing to provide me complete validation or to notify me that you are closing the account and cancelling your collection efforts. I remind you that many courts have ruled ( XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT, XXXX, to name only XXXX ) that the reporting of a collection account to a credit reporting agency is also collection activity and therefore, since you have reported it you must have it deleted from my credit report. Simply placing an " in dispute '' statement to the credit report violates my rights under law. I would suggest you check with your legal department regarding this as I intend to hold you accountable should my rights be violated any further.
It is my intention to enter into good faith negotiations to settle the debt in question only when and if proper validation is provided. I look forward to a speedy resolution of this matter.
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| 06/27/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX Commonwealth Financial placed 4 medical collection accounts on my credit bureaus- I only found out these were placed by alerts from monitoring services. No attempt to validate was made by Commonwealth Financial. These same 4 accounts were posted on my credit for the 1st time in XXXX after the XXXX breach. It took a month or two for them to be removed so imagine my shock when my almost 3 years later these collection account reappear under another name and with new dates that Ive read here is called illegal re aging of accounts in order to extort pay for deletion or payment of fraudulent debt by Commonwealth Financial holding the threat of ruining your life again unless you pay regardless of debt validation. So far my insurance renewal rate increased, loans and credit line increases were denied and just in these few short days have incurred great financial terror via Fico scores tanking nearly 100 points and have only been able to get 2-3 of the 4 Commonwealth collection accounts from the same hospital system removed from XXXX and XXXX, XXXX refused to investigate- Ive opened a separate complaint for them. Suddenly the accounts now show flagged for collection by Commonwealth Financial and no further validation is required from them so it stays without any chance of disputing the dispute results. When I contacted XXXX at Commonwealth Financial he had no personal information about me and was asking me to give my social security number and other personal information- I said I would verify what he had with no problem but wouldnt just provide. He said I could pay for deletion and a lot of his clients do that regardless of being their debt or not just to clean up their credit and quickly restore their scores with letters that he would email me from them to provide all creditors etc stating it was a mistake and been removed from my credit and risk files. I didnt entertain the offer because I had faith in the system that it would be caught as an illegally re aged, illegal validation to the credit bureaus stating debt was valid, because they were found to be fraudulent in XXXX from these same credit bureaus- sadly its not the case, just a bunch of offers from all 3 bureaus to get credit repair help, speedy disputes, access to legal dispute processes and form letters if I subscribed to their monthly monitoring services ranging from {$19.00} to {$39.00} per month per bureau. As you can see by the attachment even the credit bureaus show date opened unknown and just 4 days ago were reporting XX/XX/XXXX as date placed for collection even though the credit bureaus didnt receive the data until XX/XX/XXXX
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| 08/30/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Identity Theft Letter to a Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX TX XXXX COMMONWEALTH FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Account # : - XXXX XXXX Account Type : - COLLECTION COLLECTION Account Type - Detail : - Collection Collection Account Bureau Code : - Individual Individual Account Account Status : - NotsatisfyingXXXX - Monthly Payment : - - - Date Opened : - XX/XX/2023 XX/XX/2023 Balance : - {$1000.00} {$1000.00} No. of Months ( terms ) : - 1 Month - High Credit : - {$1000.00} {$1000.00} Credit Limit : - - - Past Due : - - - Payment Status : - Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Unpaid Last Reported : - XX/XX/2023 - Comments : - MEDICAL Date Last Active : - XX/XX/2023 XX/XX/2023 Date of Last Payment : - I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with [ name of business where account was opened ]. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report.
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft.
I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX XXXX Enclosures : Identity Theft Report CFPB 's Notice to Furnishers of Information [ PDF ]
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| 10/19/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Hello Consumer Financial Protection Bureau, and thank you for you services in providing consumers against the deceptive practices of against companies, including the one I am filing this complaint against, in the financial protection commerce industry. With that being said, I would like to inform you of the Fair Debt Collection Practice Act ( FDCPA ) violations that this company has committed in an attempt to collect an alleged debt. To begin this company has violated statute 15 USC 1692c ( a ), this company has contacted me about an alleged debt when I did not give them consent to do so, it is to a universal awareness that a debt collector must not use such tactics without a consumer 's consent. I would also like to mention their violation of 15 USC 1692c ( b ) by communicating with a third party company regarding my personal information without my consent being granted to them to do so. Let me remind you, under this subchapter, that this company must not communicate anything about this alleged debt with no other person besides my attorney, a consumer reporting agency if permitted by law or myself, and this company violated this. This company has also violated statute 15 USC 1692d by continuing to harass me, a consumer, with their deceptive tactics. I do not feel comfortable knowing that a company can continue to commit violations of laws that protect consumers and not face consequences for it. This company is also harassing me by attempting to collect any money that can from me in relation to this alleged debt by trying to get me to pay a discounted amount that was never agreed on, which leads me to their next violation. This company has violated 15 USC 1692F ( 1 ) by attempting to collect on an amount that was never agreed upon by me. This company is attempting to get me to settle for an alleged debt by offering me some sort of discount. If that is not unfair practices from a debt collector than I am very confused. Let me also remind this company that they are also in violation of 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) by sharing medical information or any related information to such manner including personal information to credit reporting agencies.
As you can see this company has violated quite a few prominent laws that help protect us consumers. I refuse to let this company continue to commit these violations, not just for me but for other consumers facing difficulty during these tough times.
To help with this complaint I have attached a letter sent to me from this company including the violations I am referencing.
Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/16/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cfsi Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX FL XXXX Cfsi Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX IN Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these
disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A
) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious Cfsi Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Cfsi Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 12/14/2022 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Commonwealth Financial Systems, Incorporated, for committing identity theft. I have never given Commonwealth Financial Systems, Incorporated, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with Commonwealth Financial Systems, Incorporated and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of ( todays date ), I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems, Incorporated any right to collect on this alleged debt.
I have never received any documentation requesting validation from Commonwealth Financial Systems, Incorporated, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Commonwealth Financial Systems, Incorporated, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, Incorporated, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Commonwealth Financial Systems, Incorporated, continues its collection efforts, I will file for litigation for actual damages caused and Commonwealth Financial Systems, Incorporated, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 10/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I have no idea what happened besides being these collection companies and not just one or for the same amounts serveral are being reported as late and its referenced on my credit report. I have called a few asking for all the details information never received documentation. I have tried to dispute these collections inquiries on my credit reports with XXXX and now as of today XXXX then was able to file with you guys. These collections are not valid. Please help me get this resolved.
Collection Agency COMMONWEALTH FINANCIAL SYSTEMS Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX Contact COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1200.00} Amount {$1200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX.
XXXX OH XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$580.00} Amount {$580.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1400.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX
|
| 10/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Im submitting a complaint against Commonwealth Financial Systems, INC. in regards to a collection debt placed on my credit report at all three credit bureaus. I have been disputing this debt all year and they wont remove it and I believe this debt doesnt belong to me and it should be removed from my credit reports ASAP.
The information they submitted to me doesnt support that the debt belongs to me. The invoice they submitted doesnt have the full explanation of benefits and on the invoice it states XXXX XXXX XXXX.
The reason Im stating this is not my medical bill is because I have worked for the same company for XXXX years since XXXX and I have the same medical insurance since XXXX. All the claims ( XXXX ) ( XXXX. Acct XXXX ) that were submitted by XXXX XXXX XXXX at XXXX for the date of service on XXXX/XXXX/XXXX had the correct medical insurance information and was paid by my health insurance company. There are no records with my health insurance company that this medical bill was submitted to them in XXXX.
When I contacted XXXX XXXX XXXX XXXX in regards to the original medical bill they wasnt able to provide me with any information. They only information they were able to provide was my name and that the invoice had the wrong insurance company information on it. They werent able to provide the doctors name or invoice amount.
The representative ( XXXX XXXX with XXXX XXXX XXXX XXXX informed me that this debt was sold to XXXX XXXX XXXX and he didnt have a record of Commonwealth being the collection agency and he wasnt sure why they referred me to contact them because there was nothing they can do.
I feel this is not fair to me because I never received a copy of the bill. Im not sure who is at fault with providing incorrect information, if its the hospital but Im suffering from it. When I spoke with Commonwealth they informed me they would not remove this from my credit report unless I pay the full {$960.00}.
I truly believe this is not my bill because all the bills submitted for service on that day was submitted to my health insurance company and they were paid. I also asked Commonwealth why did they wait so long to report this to the credit bureaus and they stated because they just received the medical bill in XXXX XXXX.
If data is being passed from XXXX to collection agency to collection agency their might be an error with incorrect data being reported. Please look into this issue and remove this incorrect data from my credit report because the original creditors are not able to assist me.
|
| 05/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
|
The debt is a medical bill for {$650.00} for services for my grandson back in XXXX. I have no idea why my name appears on this bill. I likely accompanied my daughter while she took her son to this visit, I usually did whenever he was sick. But why my name is on the bill I do not know. The only thing I can think is that while waiting my daughter used the restroom or stepped out for a smoke when they called my grandson to register. Its been five years and I honestly dont remember the incident. However, I did not ever have financial responsibility for -or custody of- my grandson and am in no way responsible for this debt now- just as my father was not responsible for my childrens bills or anyone else is responsible for their childrens bills. My daughter, at the time, had chip, the PA health insurance for qualified applicants and their children. As far as I know, chip -through XXXX XXXX, should have paid this bill. For whatever reason, apparently, the bill was not covered, in which case it became my daughters responsibility. Unfortunately, my daughter passes away in XXXX. Her son was adopted by another family. She died penniless, there was no estate and even if there was it would have been settled long ago.
As another note, the holder of this debt, commonwealth financial, is appallingly predatory. I didnt even know about this bill-its been years- yet upon purchasing the debt commonwealth immediately put it on my credit report before ever even contacting me about it. I learned about this from a credit service notification I recieved. One week after they put it on my report I got a letter from them stating I had 45 days to dispute the bill, but it had already been reported and remains in my credit report. Their behavior is inexcusable and repulsive.
So, to recap, Whoever checked in my grandson on this day made a mistake a put my name on the registration not my daughters. Until this showed up in XXXX of this year I had no knowledge this even existed. Because they made a mistake, however, does not make me responsible for my daughters expenses. It should have been paid by chip and any denial should of went to my daughter. I did not have custody. The patient is my grandson, if he was under my custody this bill would be my responsibility, but I did not. Nor can I be held responsible for an error made by the person checking him in. While I do not remember this, I can guarantee I would have provided all this information at check in and Im certain my daughter must have also presented herself to do the same.
|
| 09/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Two collection companies ( XXXX XXXX XXXX ; Commonwealth Financial Systems , Inc . ), have filed inaccurate and erroneous information with all three of the major credit bureaus ( XXXX XXXX, and XXXX ) on my credit files. XXXX XXXX XXXX ( XXXX ) is no longer affiliated with my account, even though they claimed to have been a creditor and owned this debt for over two years. I believe that XXXX sold this account at some time between XXXX and XXXX of XXXX to Commonwealth Financial Services, Inc.
In XXXX ( XXXX ), I wrote certified letters to the three major credit bureaus ( XXXX XXXX and XXXX ) to dispute the accuracy of two delinquent items that had been on my credit reports. One item was a credit card bill, and the other item was a medical bill. The credit card bill was quickly removed. The medical bill did not reappear back on my credit reports until XXXX ( XXXX ). The credit bureaus sent me a report stating that the debt appeared to be valid based upon their investigation. I then sent a certified letter to the collection agency Commonwealth Financial Systems , Inc. ( CFSI ) to validate this proposed debt, along with them sending me copies of the assignment contract, licensing information and any original documentation from the original creditor ( XXXX XXXX XXXX ). CFSI only provided its internal reference number, the original creditors name and address, an account number ( altered to disguise the actual number ), the service date, amount due ( inaccurate ), and the current creditor ( XXXX XXXX XXXX XXXX, XXXX ). CFSI also attached a billing statement of charges on the current creditors letterhead. I sent a second certified letter requesting that they sending me the other information that I had originally requested in my first letter, along with a billing statement from the original creditor. In CFSIs response letter, I received the same billing statement, absent the other information that I had originally requested.
In XXXX ( XXXX ), I sent to CFSI a certified letter which also contained a billing document from the original creditor ( XXXX XXXX XXXX ). I highlighted the actual charges that was in dispute, along with the area of the statement which indicated the date and amount of payment that was made. The statement clearly shows that all services were paid on XX/XX/XXXX.
In response, CFSI has reduced the amount owed on my credit reports from XXXX, to XXXX. The account continues to show a past due and seriously delinquent status on my credit files with the credit bureaus.
|
| 11/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order COMMONWEALTH FINANCIAL SYSTEMS to make recompense and pay redress and compensation for their trespass against me. COMMONWEALTH FINANCIAL SYSTEMS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
|
| 10/29/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company ( CommonWealth Financial ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
|
| 06/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE!
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
|
| 06/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE!
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
|
| 01/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX I ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies.
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted.
Copies of all documents and financial instruments used to pay the disputed late payments.
Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness.
This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below.
If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto.
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, COMMONWEALTH FINANCIAL {$890.00}
|
| 01/05/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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, o
r 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 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
|
| 09/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear Commonwealth Rep ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 10/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Previously I disputed Commonwealth Financial with the credit bureau in which they said the credit reporting was validated as accurate. So I filed a complaint recently with CFPB XXXX complaint number about the reporting from Commonwealth Financial reporting XXXX the bureaus and how I thought my Hippa rights were violated. In which Commonwealth Financial responded by stating they were in compliance with the Hippa laws in which I was complaining about. However, I also asked for full validation of this alleged debt. I asked that Commonwealth Financial send me documentation of the original contract with the original creditor or provider of services which is XXXX OF XXXX with my signature, and a breakdown of all fees and services rendered but they have NOT provided it. They have failed to meet the requirements to validate this alleged debt. Commonwealth Financial also sent me a letter showing that the account holder aka CURRENT CREDITOR of this alleged debt is XXXX XXXX XXXX.
XXXX XXXX XXXX is a debt buying agency aka debt collections agency itself. How is Commonwealth showing XXXX XXXX XXXX as a current creditor in the documents they sent me? This is a lie and a violation within all violations! How is Commonwealth Financial collection agency attempting to collect a debt for another collection agency? And why is Commonwealth Financial still reporting this alleged debt to the credit bureaus if XXXX XXXX XXXX owns this alleged account? Why isn't XXXX XXXX XXXX this to the credit bureau? What I do know is that I do not have a written agreement or contract with Commonwealth Financial and they have failed to validate this alleged debt with me. They have no right to be reporting this alleged debt on my credit report especially since they do not own this account. I would like for commonwealth to provide answers and documentation to all my questions and for them to stop reporting this alleged debt to all cra 's. At this point Commonwealth is in Violation of 15 USC 1692e A debt collector can not use false or misleading representation or means in connection with the collection of a debt, 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debts, 15 USC 1692f Unfair Practices attempting to collect an alleged debt, 15 USC 1692f ( 1 ) Attemtpting to collect a debt unauthorized by an agreement between parties and 15 USC 1692b ( 5 ). There is a {$1000.00} fine per violation but I will settle out for {$3500.00}.
|
| 12/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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On Monday XXXX XXXX I checked my credit reports and saw a new collections account was placed on my reports. XXXX XXXX fraudulently placed this account on my reports and they admitted they did when I called them on this same day at XXXX XXXX XXXX XXXX.
I first talked to a customer service rep about the issue and asked him why they never sent me a bill/notice to give me a 30 day chance to either pay or dispute the bill. He said he did n't know and that they just barely got the account and that it takes them 30 days to reach out to the customer. I went on to ask him what address they had on file for me and he gave me the right address so I told him there would have been no problem with me receiving such notice. He went on to tell me that sometimes there are rare glitches and they put accounts on the customers credit reports before telling them that they owe a debt. He also went on to be a smart XXXX and say that I could n't prove that they never sent me a notice. Which tells you they are guilty! UNACCEPTABLE!
I asked the guy to get me a XXXX and thats when a XXXX got on the phone with me. I again went over the issue with XXXX and asked him why they never sent me a bill/notice about this account so that I could take care of it before they put it on my reports. He did not have an answer for me. However he did say that he would remove them off of my reports and then we made an agreement that once it was gone from my reports I would pay this bill off so it would n't be on my reports and affect my credit.
They are violating the FDCPA and also HIPPA. They never gave me a chance to pay/dispute. I never signed any authorization release forms for my medical information to be shared with a 3rd party. This is a medical bill from 2012 that I do n't recall but I am not trying to dispute it I am more than willing to pay it as I told the Commonwealth employees I have been cleaning my credit and trying to buy a house so I would have definitely taken care of this account before resulting in them reporting to the credit bureaus.
I am very upset over there actions and I gave them a second call on Thursday XXXX XXXX at XXXX XXXX XXXX XXXX. I again spoke with the XXXX XXXX and he reassured me that he would be removing this account from my credit reports. All of this should be on tapes as they say that all calls are recorded. That would be proof of them being in violation and agreeing to remove the account from my credit reports.
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| 08/11/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Commonwealth Financial Systems, for committing identity theft. I have never given Commonwealth Financial Systems, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with Commonwealth Financial Systems and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of 8/11/22, I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems any right to collect on this alleged debt.
I have never received any documentation requesting validation from Commonwealth Financial Systems, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Commonwealth Financial Systems, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Commonwealth Financial Systems, continues its collection efforts, I will file for litigation for actual damages caused and Commonwealth Financial Systems, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 08/30/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Commonwealth Financial Systems, for committing identity theft. I have never given Commonwealth Financial Systems, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Commonwealth Financial Systems and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/22, I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems any right to collect on this alleged debt. I have never received any documentation requesting validation from Commonwealth Financial Systems, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Commonwealth Financial Systems, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Commonwealth Financial Systems, continues its collection efforts, I will file for litigation for actual damages caused and Commonwealth Financial Systems, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 04/21/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I requested this XX/XX/XXXX and they are refusing Request to Validate Medical Debt XXXX XXXX Common Wealth Financial XXXX XXXX XXXX # XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX Amount of debt : {$1200.00}. Account Number # XXXX Date of Service : XX/XX/XXXX Email : XXXX Provider of Service : XXXX XXXX XXXX XXXX Dear collection agent, I received a bill from you and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due and your bill does not include a breakdown of any fees.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Plus the information release without mu authorization is from a minor. I hope to hear from you as soon as possible.
Sincerely, XXXX XXXX
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| 01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 08/20/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 02/10/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 01/11/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Complaint filed on XX/XX/XXXX with original company - they continue to send me collection letters from different credit companies. The original debt was {$280.00}. You do not pay more for debt when you purchase it. Being in the default industry you buy debt for pennies on the dollar. This company is stating I owe them 5x times the amount of the original amount. The original creditor was XXXX XXXX XXXX. The collection agency assigned to this debt was XXXX XXXX XXXX ( XXXX ) account # XXXX. XXXX sold this collection account on XX/XX/XXXX ( approximately ) to XXXX XXXX XXXX XXXX, XXXX ( account number XXXX XXXX ) and the amount of {$1500.00}. I am confused. Former complaint number : XXXX. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing regarding this debt and has placed it on my credit reports for all 3 bureaus.
Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
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| 05/12/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Commonwealth Financial whose address is XXXX XXXX XXXX, XXXX, Pa ... ... ... phone number XXXX picked up a disputed account from XXXX XXXX XXXX in the amount of XXXX and submitted it on my credit report as them being them being the creditor. They submitted the same account again listed under another creditor named NE CRDTCOL for the same amount of XXXX. They have the same account listed on my credit report under XXXX different names but they are XXXX and the same. Their real name is Commonwealth Financial. as I googled the phone number they continuously call me from and it is registered to Commonwealth Financial. The number they call from is XXXX. When I call that number back, I get a person who states his name but no financial greeting. They now have listed another account for XXXX XXXX XXXX which is the same as XXXX XXXX XXXX. NE CRDTCOL does not exist and is bogus for Commonwealth Financial. They are trying to collect a debt that was not owed. I paid my co-pay and my insurance policy states if the medical servicer charges more than what my insurance pays after I pay my co-pay, that amount has to be forfeited by the servicer. I consider these vultures who seek out debs that are 5 years old or older and try to collect on them as bottom of the pond scum suckers and I have no intention of paying them XXXX cent. I have been harassed by these people for years and have had enough especially now that as of XXXX XXXX, they submitted the same account against my credit. Guess the vultures forgot they had already submitted it in XXXX. I have printed my credit report and submitted it to an attorney proving what I am saying is true and I have the phone number stored in my cell phone showing that the real culprit in this scam is Commonwealth Financial and bogus name NE CRDTCOL. I am informing CFPB just to make you aware of this fraud on their part. I have also written to all credit reporting agencies to check the original debtors on the reports and submit them to me to t urn over to the attorney involved. I have had enough and was informed of steps to take against these debt collection agency agencies. This debt happened back in XXXX and is just now being placed on my credit report. The real issue is it was paid and my insurance company will have records as well as the original debtor. I intend to sue Commonwealth financial and this bogus name NECRDTCOL to the fullest extent of the law.
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| 10/09/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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| 01/23/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX {$1600.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX {$1600.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 10/30/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( commonwealth financial ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : XXXX XXXX XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
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| 10/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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i had medical bills sent directly to collections and reported on all three reporting agencies. Not only did i dispute with the collections agency, they refused to acknowledge the illegality of sending a XXXX insured a bill, let alone report derogatory remarks to credit reporting agencies. They refused to identify the provider so XXXX can file a formal complaint. The hospital had no information.
My dispute with XXXX and XXXX resulted in the deletion of the derogatory marks, and classified it as fraudulent charges unsubstantiated by the collection agency.
My dispute with XXXX was denied. The collection was determined valid, and updated immediately.
Inconceivable. And they want documents if i can demonstrate the accuracy of my dispute! I do n't have documents. I never received a bill, i do n't know the practice or physician. There are 2 separate derogatory marks, submitted to collection on the same day i went to urgent care.
The balance billing of a XXXX insured is illegal, and i have no evidence besides the hospital invoice showing it is satisfied.
State and Federal want to investigate the provider for prohibited practices. I was refused this information or a bill from the agency.
Its incomprehensible that XXXX refused to remove fraudulent remarks affecting my credit, especially with my formal dispute notate in the remarks by the collection agency. It was seamless to rectify with the other two agencies.
i am a victim, who ca n't file a complaint against the provider who fraudulently billed me, and further victimized by XXXX bad faith conduct and violation of my consumer rights.
it 's appalling that this was validated and reported on my permanent record. I had to dispute the fraudulent remarks. Now, i 'm further victimized by XXXX to validate the inauthenticity.. why?
What can i do? The other two credit reporting agencies responded quickly and acknowledged fraud. What information did XXXX obtain to validate an illegal collection.
And I still need an actual bill. Are n't there collection regulations prohibiting a person from reporting to credit agencies directly, without sending bills?
i need XXXX to explain their investigation and determination of validity.
i need a bill for these alleged charges, which XXXX required me to obtain because they want to formally investigate and fine the practitioner for prohibited billing practices and fraud
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| 03/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Notice for Proof of Claim Account : COMMONWEALTH FINANCIAL SYSTEMS INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have XXXX days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
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| 11/24/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Re : Notice for Proof of Claim Account : COMMONWEATH FINANCIAL SYSTEM D45736 XXXTo Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
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| 08/18/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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IN RESONSES TO CFPB : XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/21/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 08/11/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Good morning and my name is XXXX XXXX and i just got off the phone with 3 different representatives at XXXX XXXX which then connected me with ( Commonwealth Financial Systems XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ). The representatives stated that they can not find me because they don't have my SSN on file and that they have limited information about me - They only have a prior phone number, which doesn't belong to me, and they gave me an address of XXXX XXXX XXXX, that doesn't even belong to me. They said that it's a medical collection from XXXX from XXXX XXXX XXXX which I don't even recollect for a procedure - Hippa violation!!!. How is it possible they placed this on my credit profile without my knowledge without my personal information. I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 05/21/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) afte
r the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX UNIT XXXX, XXXX, FL XXXX
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| 12/15/2022 |
No |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
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| 03/08/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I just found out that there is a collection on my credit report that was reported in XXXX for an old ambulance bill from XXXX with according to my credit report is XXXX XXXX XXXX. That bill was disputed way back in XXXX as to the amount owed and who should have paid it at which time was my medical insurance. To my knowledge this was settled between the two companies and I was not contacted again.
This was suppose to have been settled and over with way back then. at the time of them opening this account, I had not received any communication from Commonwealth financial system as to dispute anything and should have because I don't owe them and now I find out when I had my credit pull that this is a recent collection and has severely damaged my credit score. I did receive a letter the last of XXXX from this company noting that I owed a XXXX XXXX XXXX XXXX someone who had purchased the account from the original creditor but the couldn't have because the acct was again to my knowledge taken care of after a dispute back in XXXX and I was no longer contacted my XXXX XXXX XXXX. a the bottom of this letter it says that because of the age of the debt I could no longer be sued for the debt. I know that under the Hippa Law my information should not have been shared, and under the fair credit reporting act this debt from Common Wealth should not have been reported by them as I don't owe them. Georgia statue of limitations is 4 years and In 2016, Congress passed the Medical Debt Relief Act, introduced by Senator XXXX XXXX ( D-OR ), which is an amendment to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collections Practices Act ( FDCPA ). If an unpaid medical bill goes into collections, the collection agency must notify the consumer that the account was placed in collections. The consumer then has 180 days from the notification to pay the account before the agency is allowed to report it to the credit bureaus. Additionally, once a medical collection has been paid, the medical debt must be removed from the consumers credit report within 45 days. this company also entered the debt under another account number but has the old account number listed. ( is that legal? ) I need help with this please and I want them to validate the debt, as well as take it off my credit report asap until a resolution is accomplished.
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| 03/24/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Found out I had an account on my credit report from Commonwealth Financial Systems for a medical bill. It was placed on my credit report in XX/XX/XXXX. I contacted the debt collections via telephone and told them this was not my debt, that I have never received a letter from them at all and that statue of limitations in XXXX had ran out. The agent told me they had purchased this from someone else and that statute of limitations did n't start until the debt ran off of my account and she said that did n't happen until XX/XX/XXXX. She told me the debt was from XXXX XXXX and it has been over 6 years since then. Again, I told her the debt was n't mine and I wanted validation of debt. It 's been a month and I still have n't received that. I contacted the credit report agency, XXXX, and asked for a dispute with them. They only updated the address on my credit report and did not provide any new information regarding my dispute.
I also contacted the hospitals that I visited in XX/XX/XXXX ( formerly XXXX XXXX XXXX, now XXXX ) and was told my accounts were XXXX balance and that I was paid in full. They gave me a number to contact the emergency room doctors billing company and they gave me a phone number for them ( XXXX XXXX XXXX XXXX ). I contacted them and was told I am not in their system at all and that I should not be in collections with them since I am not showing up in their system.
Yesterday, my parents received a letter at their home for me from this collection agency. The letter was basically like a " new '' collections letter, as if they had never spoken to me before. It stated if I did n't send in writing that I was disputing this claim or wanted validation that they would take it as evidence I owe this debt. But I had already disputed this a month ago and was told they would send validation of debt, to which they still have n't.
I contacted the XXXX Attorney Generals Office about this and was told to send them a written letter stating I am not verifying this debt and a validation of debt ( if I choose too ). I am going to send the letters. I was also advised by the XXXX Attorneys General Office to file this complaint online. Which is what I am doing now.
So the hospital and emergency room doctors billing verified I have XXXX balance and no debt and should have no collections out for me.
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| 12/27/2020 |
No |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX COMNWLTH FIN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious COMNWLTH FIN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 04/23/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE:XX/XX/2019 ATTENTION DISPUTE DEPARTMENT COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 11/04/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In response to my complaint filed on XX/XX/20 Commonwealth Financial Systems continues to be very deceptive and is now using stall tactics.
According to XXXX XXXX, Legal/Compliance Dept a search of their records failed to identify a record linked to my name and address provided. She also stated that she would need my birth date and the last 4 digits of my social security number.
Now what I find very strange is that I have never spoken to anyone from this company, never received a dunning letter from this company so, therefore, I never provided my birth date nor the last 4 digits of my social security to this company before they placed this account on my credit reports.
So if I have never spoken to a representative from this company to confirm my birthdate and last 4 digits of my social security number then how is it that your company placed it on my credit reports? How is it that now you claim to not being able to locate a record with just my name and address?
Also in my complaint, I also provided the account number from Commonwealth Financial Systems that was used when the debt was placed on my credit file. So how is it you can't locate my file?
Please see the attachment of my current generated credit file from XXXX and XXXX as of XX/XX/20 that shows Commonwealth Financial Systems placed a collection on my reports which also show the account number!
So evidently this company does not need my birth date nor my social security number to locate my file because they have already placed it on my credit reports.
Furthermore, all of a sudden I received a call from Commonwealth Financial Systems today XX/XX/20 right before they provided their response so obviously, they can locate my file with my name and they continue to blatantly lie! Please see the attachment which shows the missed call from Commonwealth Financial Systems.
As this company has already violated my consumer rights by placing this frivolous debt on my credit file without sending me a dunning letter and giving me the option to dispute and question the validity of this debt, violating the Fair Debt Collection Practices Act and also not being in compliance with the Metro 2 reporting System. I will not hesitate to file a lawsuit against Commonwealth Financial Systems.
I have all the evidence to back my claim!
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| 08/11/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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There are XXXX ficticious medical bill charges on my credit reports that were illegally placed there by a company called Commonwealth Financial in an attempt to extort money from me by damaging my credit. This is in violation of FCRA laws XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$53.00} By placing XXXX separate charges on my account, they are deliberately attempting to damage my credit further than if they 'd placed a single charge. I have contacted Commonwealth and they were unable to provide any proof that these charges are real and valid.
I asked the representative that I spoke to at Commonwealth if these were the hospital emergency room visits that my wife and I made after being hit by a drunk driver ( all medical bills were paid by XXXX XXXX XXXX XXXX XXXX ). Strangely enough, she told me that these were not emergency room visits, but rather 'physician bills '.
In actuality, XXXX ' ( sometimes listed as XXXX XXXX XXXX XXXX XXXX ) is a fake agency and Commonwealth is known for illegally reporting these fake charges on random credit reports. They always list the charges at least twice, in an attempt to create 'panic ' in the victim and get them to pay faster.
If the charges are successfully disputed off, Commonwealth will start placing random amounts as many as eight times on a credit report to exact 'revenge '.
Case number : XXXX is an incident that happened to my wife, where Commonwealth had placed eight fake charges on her report.
XXXX XXXX of Commonwealth Financial acknowledged that the charges were indeed fake and has promised a deletion update to my credit report, however this has not been done. She claimed to offer a deletion only to close the last case. I have not received a valid bill, I have not received an explanation and the charges are still on my account.
I attempted to call Commonwealth Financial Systems again and I discovered that they blocked my telephone number : XXXX. How in the world are they attempting to collect debts or resolve erroneous information if they block the telephone numbers of people trying to call them? That seems a little suspicious.
What Commonwealth Financial is doing is illegal and I would like to follow up to ensure that they are prosecuted. Meanwhile, I am pursuing a civil case against Commonwealth Financial as well.
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| 06/29/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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There are XXXX ficticious medical bill charges on my credit reports that were illegally placed there by a company called Commonwealth Financial in an attempt to extort money from me by damaging my credit. This is in violation of FCRA laws XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$53.00} By placing XXXX separate charges on my account, they are deliberately attempting to damage my credit further than if they 'd placed a single charge. I have contacted Commonwealth and they were unable to provide any proof that these charges are real and valid.
I asked the representative that I spoke to at Commonwealth if these were the hospital emergency room visits that my wife and I made after being hit by a drunk driver ( all medical bills were paid by XXXX XXXX XXXX XXXX XXXX ). Strangely enough, she told me that these were not emergency room visits, but rather 'physician bills '.
In actuality, XXXX ' ( sometimes listed as XXXX XXXX XXXX XXXX XXXX ) is a fake agency and Commonwealth is known for illegally reporting these fake charges on random credit reports. They always list the charges at least twice, in an attempt to create 'panic ' in the victim and get them to pay faster.
If the charges are successfully disputed off, Commonwealth will start placing random amounts as many as eight times on a credit report to exact 'revenge '.
Case number : XXXX is an incident that happened to my wife, where Commonwealth had placed XXXX fake charges on her report.
XXXX XXXX of Commonwealth Financial acknowledged that the charges were indeed fake and has promised a deletion update to my credit report, however this has not been done. She claimed to offer a deletion only to close the last case. I have not received a valid bill, I have not received an explanation and the charges are still on my account.
I attempted to call Commonwealth Financial Systems again and I discovered that they blocked my telephone number : XXXX. How in the world are they attempting to collect debts or resolve erroneous information if they block the telephone numbers of people trying to call them? That seems a little suspicious.
What Commonwealth Financial is doing is illegal and I would like to follow up to ensure that they are prosecuted. Meanwhile, I am pursuing a civil case against Commonwealth Financial as well.
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| 10/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Placed for Collection: XXXX
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION AGENCY/ATTORNEY
BalanceXXXX XXXX
Date Updated: XXXX
Original Amount: $XXXX
Original Creditor: XXXX XXXX XXXX (Medical/Health Care)
Past Due: >$XXXX<
Pay Status: >In Collection<
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX Placed for CollectionXXXX XXXX Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: XXXX Date UpdatedXXXX XXXX Original AmountXXXX XXXX Original Creditor: XXXX XXXX XXXX XXXX (Medical/Health Care)
Past Due: XXXX<
Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Placed for Collection: XXXX Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: XXXX
Date Updated: XXXX
Original Amount: XXXX
Original Creditor: MEDICAL-EMCARE GLT EMERGENCY PHYSICIAN (Medical/Health Care)
Past Due: >XXXX<
Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Placed for Collection: XXXX
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: XXXX
Date Updated: XX/XX/2017
Original Amount: XXXX Original Creditor: XXXX XXXX XXXX XXXX (Medical/Health Care)
Past Due: >XXXX
Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Placed for Collection: XXXX
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: XXXX
Date Updated: XXXX
Original Amount: XXXX
Original Creditor: XXXX XXXX XXXX XXXX (Medical/Health Care)
Past Due: >XXXX<
Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX
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| 09/16/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I discovered that I had several very old medical bills sent to collection on my credit report earlier in the year ( XX/XX/XXXX ). I reached out to the collection agency to settle the debts. I made arrangements to pay for all 4 outstanding invoices and promptly paid the amounts. I was told that my debts were paid IN FULL and my credit report would be appropriatly updated. The following month ( XX/XX/XXXX ), another bill appeared on my credit report for the same amount previously paid ( this is the 3rd time a charge for {$760.00} was reported, I had already paid two bills both for {$760.00} ). I called the collection agency again ( XX/XX/XXXX ). And they said that the additional bill was added because they were only allowed to post 4 bills at a time. This did not sound right to me, I couldn't understand why another bill would suddenly appear when I was told the month before that all bills were paid in full. I paid 5th bill, reluctantly, becuase I wanted to have my credit repaired. Now, several months have passed, and after 6 months and after paying the 5th invoice totaling over {$2000.00}, another bill for {$620.00} which was also the same amount previously paid in the first 4 invoices, suddenly appeared AGAIN on all 3 credit bureaus. One credit report, XXXX shows 2 bills both for {$620.00}. When I called the collection agency again on XX/XX/XXXX, they said that these bills just arrived, yet they are dated XX/XX/XXXX & XX/XX/XXXX. I said how can bills suddenly appear from 6-7 years ago when I was told all were paid in full a few months ago? Also, the original debt holder, XXXX XXXX XXXX XXXX XXXX, is now I believe a closed operation. So how can they have sent over 2 bills over 6-7 years old when they're not even in operation? I saw hundreds of complaints online about this very same thing for both Commonwealth Financial and XXXX XXXX XXXX. Commonwealth gave me account numbers for these 2 bills that do not relate at all to the previous account numbers and I received letters of deletion for the 5 invoices I have already paid, but most letters do not make sense and just show zero due.
I am convinced there is fraud occuring here as I do not recall having so many outsanding medical bills especially since I did have insurance during the dates of these invoices.
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| 04/01/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/12/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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TODAYS DATE : XX/XX/2019ATTENTION DISPUTE DEPARTMENT COMMONWEALTH FINANCE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCE I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 08/30/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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THIS COMPANY IS FRAUDULENT!!!! THEY CLAIM THIS IS PAST DUE DEBT. I CONTACTED THE COMPANY THEY CLAIM TO BE REPRESENTING " XXXX XXXX XXXX XXXX XXXX '' I SPOKE WITH A NICE PERSON NAMED XXXX, WHO LOOKED INTO THIS. SHE STATED, " THERE ARE ABSOLUTELY NO OPEN OR CLOSED ACCOUNTS, OR ACCOUNTS THAT SHOW PAYMENT IS DUE ANYWHERE IN THEIR SYSTEM FOR ME, PAST OR PRESENT!!!!! SHE ALSO STATED THAT IT DOES NOT SOUND RIGHT THAT THIS COMPANY WOULD STATE THAT THEY GAVE THEM THE DEBT WHEN THERE IS NO DEBT OWED TO THE HOSPITAL BECAUSE EVERYTHING WAS PAID OFF. THIS COMPANY PURCHASED ACCOUNTS THAT WERE ALREADY CLOSED, WHICH IS ILLEGAL. AND THEN PROCEEDED TO PUT THEM ON MY CREDIT REPORT. XXXX XXXX NEVER ONCE SENT ANYTHING TO ME IN THE MAIL, VIA EMAIL ; THEY ALSO NEVER ONCE CALLED ME TO ASK ABOUT THIS DEBT. I AM BEYOND XXXX OFF THAT THEY ARE ALLOWED TO XXXX UP SOMEONE'S CREDIT LIKE THIS. THIS COMPANY AFTER DOING RESEARCH IS INVOLVED IN NUMEROUS LAWSUITS FOR THE SAME PRACTICE THAT I AM GOING THROUGH. THERE ARE NUMEROUS COMPLAINTS FROM PEOPLE WHO ARE GOING THROUGH THE SAME SITUATION THAT I AM GOING THROUGH. I DO NOT KNOW HOW THEY ARE STILL IN BUSINESS. I AM IN THE PROCESS OF CONTACTING AN ATTORNEY TO BEGIN A LAWSUIT. I WAS IN THE PROCESS OF PURCHASING MY FIRST HOME, AND THIS COMPANY 'S FRAUDULENT ACTIVITY CAUSED ME TO BE DECLINED FOR THE HOME LOAN. THIS IS NOT THE FIRST TIME THIS COMPANY HAS DONE THIS. THEY HAVE BEEN ON MY REPORT BEFORE AND WHEN I REPORTED THEM AS FRAUD. THEY IMMEDIATELY REMOVED THE AMOUNTS. THEN A MONTH LATER THEY CHANGE THEIR NAME AROUND AND DROP MY SCORE. THEN I COMPLAIN AND THEY REMOVE IT. I AM SICK OF PLAYING WITH THIS FRAUDULENT COMPANY. SOMETHING SERIOUSLY NEEDS TO BE DONE. I WILL ALSO BE CONTACTING THE MEDIA ABOUT THIS COMPANY, BECAUSE THIS SCAM HAS TO STOP. WHEN YOU CONTACT THIS COMPANY THEY ATTEMPT TO USE BULLY TACTICS TO GET YOU TO PAY FOR SOMETHING YOU DO NOT OWE, BY SAYING THEY WILL PUT YOU IN PRISON, AND TAKE YOU TO COURT AND SUE YOU. WHEN I STATED THAT I CALLED THE COMPANY THEY CLAIMED TO BE " REPRESENTING '' THEY IMMEDIATELY GOT AN ATTITUDE AND SAID THE COMPANY WAS LYING, AND THAT I BETTER GIVE THEM MY CREDIT INFO OR I AM GOING TO JAIL. I SHUTTER TO IMAGINE HOW MANY ELDERLY OR YOUNG PEOPLE THEY HAVE SCAMMED. THIS NEEDS TO STOP NOW.
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| 06/18/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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A debt collection letter dated XX/XX/2022 was delivered on XX/XX/2022 to my parents ' address addressed to me from Commonwealth Financial Systems. The letter stated that Commonwealth Financial Systems is a debt collector, " we are trying to collect a debt the you owe to XXXX XXXX XXXX XXXX, the purchaser of the bellow referenced account. The creditor was XX/XX/XXXX XXXX XX/XX/XXXX. We will use any information you give us to help collect the debt. '' The letter further states " How can you dispute the debt? '' With the options of " Call or write to us by XX/XX/2022, to dispute all or part of the debt. If you do not, we assume that our information is correct. '' Below that option stated : " If you write to us by XX/XX/2022, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' I wrote the company in writing, explaining my financial hardship and expressing that I would not claim the debt but was willing to compromise and pay the debt in its entirety at a reduced amount I could afford due to my financial hardship. I mailed the letter using the United States Postal Service by certified mail. The letter further requested Commonwealth Financial Systems responded within 10 business days of my initial offer and terms to settle the account as paid in full not a collections account on my credit report. As per Commonwealth Financial Systems letter, under the section, " What else can you do? '' option " contact us about your payment options, '' I made my attempt to civilly contact the company has refused to contact me back in writing to compromise with my initial request to pay the reduced amount and settle the entire account. On XX/XX/2022, I mailed a certified letter to the dispute requesting all original documentation. As per Commonwealth Financial Systems letter Reference : XXXX, Commonwealth Financial Systems states " contact us about payment options '' and " write to us by XX/XX/2022 to dispute all or part of the debt. '' Commonwealth Financial Systems did not honor their statement and immediately added the debt to my credit report without any action to communicate in writing a response to my letter. This is an unfair and deceptive practice and method of collecting this alleged debt.
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| 09/10/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 03/22/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This notice was mailed via US Certified Mail directly to Commonwealth Financial Systems ( USPS Tracking # XXXX ) and disputes have been sent to both XXXX and XXXX XXXX. My consumer protection attorney has also been notified of this collectors continued attempts to call me during working hours though I've advised them to not contact me at work. In addition, I've requested validation over the phone and this company advised me that they in fact due not have a HIPPA release to possess my original records for this alleged debt.
I received information that you are attempting to collect the above-listed alleged debt Please be advised, regardless of your records, I dispute the validity of the alleged debt In its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my *original signature* binding me to the alleged debt, in addition to an itemized statement of the alleged debt within 30 days of receipt of this letter. Please provide me with the following : 1 What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe, with my original signature agreeing to pay this amount : 4. Identify the original creditor and their contact information : 5. Prove the Statute of Limitations has not expired on this account : 6. Show me the you are licensed to collect in my state : 7. Provide me with your license numbers and Registered Agent or Agent of Service : Commonwealth Financial Systems is attempting to collect a debt and money that I do NOT owe. As per the law, cease and desist all collection activity including any and all credit reporting ( to all major reporting agencies ) including XXXX/XXXX/XXXX. The Consumer Financial Protection Bureau is authorized to investigate this matter and receive related information as required by US law. If Commonwealth Financial Systems fails to comply with this notification, it may be turned over to an attorney. Please be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claims are disputed and validation is requested.
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| 12/23/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX To Whom it may Concern. This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
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| 01/08/2023 |
No |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Approximately XXXX years ago I had checked my credit report and noticed an open account by a debt collection agency which sounds very official, by the name of Commonwealth Financial Systems. They are attempting to collect an alleged debt by an original creditor by the name of XXXX XXXX XXXX XXXX. Upon initially speaking with them by phone first, the made statements to me such that if I don't pay this debt they will take anything I have of value to get their money. They claimed to be a legal authority and could even have the sheriff visit my work, and that I need to just grow up and pay my bills. She then hung up on me. I called them again and again inquired about this they are reporting, and stated that I need for them to send me ANY and ALL information they have regarding this alleged debt, because I have never received anything from XXXX the original creditor nor have I ever received anything from you guys Commonwealth, thie debt collection agency verifying the validity of this alleged debt. So I would greatly appreciate it if someone could send me verification of the validity of the debt, especially since my father has the same name and lived in the state where this creditor is and our credit report has gotten mixed up before. To date I still have not received anything from either party. On top of neither party sending me anything to prove the validity of this alleged debt, I also disputed it through XXXX stating I have no recollection of having an account with Commonwealth Financial Systems or otherwise ever acquired a debt with XXXX XXXX XXXX XXXX, let alone XXXX of which that would incur over {$1000.00}. This is really impacting my credit negatively and not once has my consumer rights been taken seriously at any point. For example never providing me with proof of validity of this alleged debt, nor ever providing me AT ANY POINT with any documents from day one, even from XXXX so that I may have had a chance before this alleged debt even ever hit my credit to pay it or make payments. At this point I need assistance with this matter, from someone with knowledge, experience, and authority. Thank you so much for taking the time to review my complaint and assisting me with this matter. Have a good day.
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| 10/10/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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4
medical collections from Commonwealth financial systems? Who are they? why i wasn't notified or informed prior of embedded them into my credit profile? {$120.00}, {$110.00}, {$230.00}, and {$150.00}????? Th ese are violations of my consumer and HIPPA/medical rights!!! - Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
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| 07/07/2021 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to Commonwealth Finance by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period, Commonwealth Finance is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). Commonwealth Finance communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ).
Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE
REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ).
Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty
30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Commonwealth Finance has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. Commonwealth Finance must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.
|
| 04/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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COMMON WEALTH FINANCIAL needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that COMMON WEALTH FINANCIAL Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
|
| 08/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
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I received an alert on XX/XX/XXXX from my credit monitoring service that a new collection was added to my permanent file from CommonWealth Financial. This is a medical debt in the amount of {$1800.00}, original creditor is XXXX XXXX XXXX. This makes the third collection agency this account has been sold to and each time I have had to prove my identity to the collection agency by verifying via phone and mailing in documents that the information they used to attach this bill to my name is not mine.
Due to my husband being in the military XXXX XXXX XXXX verified the debt was not mine in XXXX when I literally drove down to Louisiana and handed them my driver 's license, my social security card and proof of my medical coverage and I was told at that moment that none of my information matched the information they have on file so they will remove my name from this account.
This debt was later sold to agency # 1 and i disputed within 30 days, the collection agency verified via phone that they indeed had the wrong person when I was asked to verify my ss # and date of birth. The agency even had a different spelling of my name and a different middle initial, a different date of birth and a different social attached to this account. I was asked to provide them a copy of my personal information via mail to prove I am not the person they are looking for. Debt was deleted ( not temporarily removed but deleted ) from my file.
Within a few months collection agency # 2 sends me information stating I owe this debt, of course I dispute within 30 days and this agency sends verification of my ss #, my date of birth and the correct spelling of my name that now match the information I sent to agency # 1.
The most recent agency, CommonWealth checked my credit on XX/XX/XXXX per XXXX monitoring services so they were provided with a valid mailing address to properly notify me yet instead, they were allowed to add this debt back to my file without notifying me and allowing me the chance to dispute this yet again. My contact information is updated with all three bureaus so by them stating they " attempted to contact by phone or by mail '' is not a valid excuse.
|
| 11/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have tried writing Commonwealth Financial several times to Validate this medical bill but no response at all. I know for a fact once a collection agency paid off debt to original creditors their is no debt owed. Please send me a contract where I signed to Commonwealth Financial I have asked for your company to validate this contract nothing hasn't happened.Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to have my health records to be release to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you.
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe Commonwealth. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to Commonwealth.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to be reported on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following.
*Violation of the Fair Debt Collection Practices Act *Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. My last letter was sent XX/XX/XXXX.
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| 11/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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XX/XX/2018 A collection was populated on my credit report.
I saw that this collection was removed last year this is actually the 3rd time this company has reinsterted a collection that was removed.
They reinsert is by changing balance, original creditor and account numbers.
I called Commonwealth XX/XX/XXXX regarding this matter.
The agent claimed that they do not reinsert debts.
I can clearly prove to you that they have indeed reinserted this not only once but this is the third time. attached you will see former credit reports. that show this account.
Which they already know that this was my dads, and he had passed away.
Commonwealth and their other Company XXXX is very well aware of this situation.
I have submitted everything in the past I have also other certified letters from the original creditor the hospital that say that they have no record of XXXX XXXX that is writing this.
Please tell me is this intentional? Why do you all keep changing the account numbers balances and original creditor? If it was not intentiontional please remove. I understand you all are a business but I am a real person that actually has a dad that past away with the same name.
Also this company you claim is original creditor has a website XXXX XXXX XXXX which is very strange because in my last complaint they had another website XXXX XXXX XXXX you will see the hospitals in attached.
I believe this company is fraudulently pretending to be hospitals in order to allow consumers and credit reporting agencies to believe that they are authentic and valid original creditors. THis is Fraud.
I'm pretty sure Commonwealth does not know this but I am now totifying you.
Wherever you are buying up this data is selling fraudulent information, Please see the attached.
Last complaint with CFPB old credit report showing where this debt was reporting on credit report.
My claim of it being re-inserted Showing what the original creditor said The collection agency saying they will remove it.
Now collection company 's other name putting it back on Also The original creditor somehow has 2 different websites with different names.
|
| 05/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Account # XXXX XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX XXXX XXXX XXXX in the amount of {$53.00} that was reported on all XXXX credit bureau reports. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
|
| 01/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
1. COMMONWEALTH FINANCIAL {$580.00} 2. XXXX {$560.00} I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Credit reporting laws ensure that creditors and credit bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of the alleged items specifically the contract, note or other instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible.
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting.
Please delete this misleading information and supply a corrected credit profile to all credit bureaus who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. This letter is an affidavit and dispute of the incorrect information that you are reporting on my credit file. If you continue us to place incorrect information on my credit report without my consent I will be forced to take legal actions towards your company and you will be faced with charges for the damages you have caused on my life and my credit file. I have all recorded calls, emails, certified documents, and the threatening phone calls your company made.
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
|
| 07/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XX/XX/XXXX my fiance ( now wife ) went to the emergency room at XXXX XXXX XXXX. She provided her insurance card to the hospital at the date of service, however the hospital failed to bill the insurance properly leading to no insurance payout.
My wife did not hear a thing about this unpaid claim until 6 to 7 months after the procedure when a representative of the hospitals billing department mailed us notice of the unpaid claim. My wife spoke to the hospital billing department on several occassions during XXXX and provided them the insurance information for her provider at the time of the procedure but they refused to reprocess the claim with our valid insurance information at the time.
My wife did not hear from the hospital again. It wasn't until XXXX of XXXX, when it was discovered that on a credit check for a refinance that this claim had been sent to collections and would affect our refinance. We found the name/number of XXXX XXXX XXXX and reached out to them to explain the problem and that we were not liable for the collection and asked them to remove it. My wife conducted a conference call between herself, the collection agency, and the entity that purchased her old insurance provider. The insurance provider discovered that no claim was resubmitted after the first claim had failed to go through. For this reason, the hospital didn't meet the 12 month deadline to resubmit the claim and the claim was barred. After the old collection agency spoke to her old insurance provider the collection agency agreed to let go of the claim and remove the claim from my wife 's credit report.
It now appears that the old collection agency has sold this collection to a new collection agency and we are now again seeing an Illegitmate collection against my wife 's credit. Reattempts to continue to collect this claim after it was extinguished constitutes harrassment and predatory collection behavior that greatly affects our ability to obtain credit.
Original creditor : XXXX XXXX XXXX Current creditor : XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Amount due : {$850.00} Discounted amount due : {$630.00}
|
| 08/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I recently received an alert on my credit and it appeared to be an account I was unaware of. I am sending this message in regards to the account showing that I opened up a new account on XXXX XXXX, XXXX. It is impossible to place an account on my credit file, it is a fraudulent action by your company. I was never contacted by anyone nor did I allow anyone to use my credit without my consent. Now I am seeking a civil case towards your company including XXXX. I did not apply for new credit. It is impossible to own an account after a month so you can remove this account for good. I do n't have any clue where this account came from. You are committing a fraudulent crime. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 08/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Common Wealth Financial XXXX XXXX Re : Acct # To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered on XX/XX/XXXX that the item has been reinserted on my credit report. Look at the dates of the photos how my credit was perfect. Common Wealth Financial posted a bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
|
| 05/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed below collection amount in my XXXX Credit report and this amounts is not owned by me. I called the original creditor " XXXX XXXX XXXX XXXX, XXXX '' and they confirmed they don't have record of me being in their clinic during XX/XX/XXXX. Initially this collection came up in my XXXX report and I disputed and it got resolved and now it is appearing in my XXXX. I tired disputing but now the new collection agency " Commonwealth Financial, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX '' didn't remove this from my report and they said I owe. But I never been to clinic " XXXX XXXX XXXX XXXX, XXXX '' which can be confirmed with the clinic. Below amount is appearing in my Credit Report.
1 ) .Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care Client Name XXXX XXXX XXXX XXXX Original Amount {$670.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$670.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account 2 ). Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health XXXX Client Name XXXX XXXX XXXX XXXX Original Amount {$1600.00} Status Date XX/XX/XXXX Status Unpaid Date of XXXX Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$1600.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account 3 ). Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care Client Name XXXX XXXX XXXX XXXX Original Amount {$260.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$260.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account
|
| 04/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have no idea who Commonwealth Financial is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Commonwealth Financial is indicating that the account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized
Commonwealth Financial as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ Commonwealth Financial } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to Commonwealth Financial, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
|
| 01/04/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 06/19/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 06/19/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 06/25/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This debt is not mine and has previously been removed from my XXXX Credit report. This company " Commonwealth Financial Systems " continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report # XXXX, but XXXX stated it was verified by Commonwealth Financial Systems to be mine, but both companies Commonwealth Financial Systems and XXXX have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. Commonwealth Financial Systems need to be held accountable for their false reporting of collection accounts. I am requesting Commonwealth Financial Systems provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When Commonwealth Financial Systems fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with Equifax on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If Commonwealth Financial Systems denies this I can download proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and Commonwealth Financial Systems needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all three of my credit files where it is listed XXXX, XXXX and XXXX.
|
| 01/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I contacted Commonwealth Financial and spoke with XXXX and explained to him that I am not liable for the debt on accounts XXXX & XXXX. XXXX stated that these accounts resulted from a hospital visit on XX/XX/XXXX and that my insurance company denied payment. I then contacted XXXX and spoke with XXXX, I gave him the information regarding the hospital bill. After looking up my account, XXXX found that the hospital did not file a claim for an emergency room visit during my coverage period of XX/XX/XXXX to XX/XX/XXXX. XXXX then conference called XXXX at Commonwealth Financial and informed that the original client needs to show proof that they actually attempted to file a claim with the insurance within the timeframe ( 90 days in network/180 days out of network ). XXXX then replied that we would need to submit a proof of insurance - eligibility letter. XXXX faxed the required document to fax # XXXX with attention to account # XXXX.
I called Commonwealth Financial back a few weeks later to check the status of the receipt of the proof of insurance document as well as a status of the investigation to get this issue resolved. The representative I spoke with confirmed that the document was received on XX/XX/XXXX and that they forwarded this document to the original client XXXX XXXX XXXX. After receiving this information the last 3 times I called Commonwealth Financial without any update on the status of the investigation I decided to call the original client XXXX XXXX XXXX to check on the status of this investigation. I spoke with XXXX at XXXX XXXX XXXX on XX/XX/XXXX and she stated that there were no notes stating receipt of a proof of insurance - eligibility letter and that they do not process investigations for any accounts and that all account work is done by the collections company. XXXX then ended the call with me by transferring me while I was in the midst of asking her a question. I have been given a complete run around with this situation and I do not feel that either company is trying to help me resolve the issue at hand.
|
| 12/06/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted in XXXX by XXXX XXXX via phone regarding a past due medical debt to XXXX XXXX XXXX in XXXX, KS they claimed I owed from XX/XX/XXXX. The only information regarding this company I have is their phone number, XXXX, although XXXX lists their address as XXXX XXXX XXXX XXXX, XXXX, DE XXXX, XXXX ( see below ) could not provide that information so it is not verified, just their phone number. I was not seen by that facility in XXXX, although I did call them to verify this as I knew I could have been mistaken. I called XXXX XXXX back and explained this was not my debt. The agent refused to believe me and rudely told me something along the lines of 'Then how did they get your information '. For clarification I've been a patient at that hospital several times, the first being in XXXX. I have never received anything in the mail or in writing from XXXX XXXX, could not get them to give me their address, and had not heard anything since then from them.
Today ( XX/XX/XXXX ) I received an alert there was a collection on my credit report from a company named Commonwealth Financial. I have not received any previous communication from this company. I called the number listed at XXXX ( XXXX ) and was told their creditor was XXXX XXXX. When I asked why they had not previously contacted me before placing a collections report on my credit reports I was told they tried to email 'The address they had on file ', which was an email address that is not mine. I explained this was not my debt and their customer had been told this was not my debt, and told them I wished to dispute the claim.
Commonwealth Financials ' information is XXXX XXXX XXXX, XXXX XXXX, PA XXXX I would like to report both agencies, XXXX for XXXX hiring a second company to mask an attempt to collect a debt they were aware was fraudulent, and Commonwealth for filing a collection on my credit report without contacting me prior or providing any invoice or statement. Claims they don't have my contact information are obviously false as their customer has contacted me previously.
|
| 09/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This letter is regarding account You claim I owe {$990.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
|
| 08/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts from Commonwealth Financial Systems. I have made several calls to the original collector XXXX XXXX XXXX and no one is able to help me or tell me what this is about. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for this agency furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received. LASTLY, the account number showing is XXXX all this should be visible on my report. Please rectify this.
|
| 09/06/2016 |
No |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
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Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with XXXX requirements to CommonWealth Financial Systems , Inc . I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt is under investigation to be validated by CommonWealth Financial Systems XXXX Inc. After doing my research I found out that CommonWealth Financial Systems , Inc does n't have the right to collect debt in Texas XXXX Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. CommonWealth Financial Systems, Inc should cease all collection efforts and remove the debt from my credit report promptly. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Central Financial Control.
Section XXXX of the Texas XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office XXXX.
On this site, you can search for individuals and entities that have filed debt collector bonds with the Office XXXX. The search results will indicate, based on the information filed with the Office XXXX, whether the bond is active, pending cancellation, or has been cancelled. All fields displayed are searchable. You can see from the documents that CommonWealth Financial Systems, Inc cancellation was in XXXX/XXXX/2016 prohibiting them from doing business in Texas.
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| 11/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, I noticed that a collection had been added to my credit report. It's for an emergency room visit on XX/XX/XXXX. I never received a bill from the hospital or noticed that I had a delinquent bill at all. After contacting the collection agency, Commonwealth financial ( XXXX XXXX XXXX XXXX, PA XXXX ) XXXX, requesting information on the account 's validity, I was told that multiple letters were mailed to me already. I never received a letter, phone call, or email from this company, so I filed a dispute through XXXX on XX/XX/XXXX. XXXX came to the conclusion the account was indeed valid. I contacted the collection agency once more to see what I could do to take care of it. I was told to either pay the full amount of {$760.00} or settle the debt for {$500.00}. I let it be known that it would be impossible to pay either amount for the simple fact that I lost my XXXX XXXX due to the Covid 19 pandemic and that I had already been waiting for weeks to receive unemployment. Then the customer representative hung up on me. Months go by ; now it's XX/XX/XXXX, 4 years and eleven months exactly since the emergency room visit. I find an app for XXXX XXXX Hospital, where the er visit took place in XXXX, TN. I was able to find my medical records from XX/XX/XXXX. Yes, I apparently was there, but that's all the provided informationno reason for the visit, not treatment, no medication, nothing. I was able to find the Doctor, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX, I believe, are companies involved. They may even be the same. I mean, they have the same address. I looked him up, and I see that his office is permanently closed. I also see alarming reviews about him scamming patients by charging their bills within 90 days and not giving them the chance to dispute or even try to pay it. He sends them straight to collections, which seem to be scam companies. I didn't know what else to do so I decided to file a complaint. Please help in any way you can. Thank you so much for your time.
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| 07/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Servicing Department : Please be advised this notice is in regards to recent Commonwealth Financial Systems claims on account # XXXX and regarding my potential claims pursuant to the Fair Debt Collection Practice Act, 15 U.S.C. 1692 et seq. ( the FDCPA ). I deny any and all liability and financial responsibility for the indebtedness claimed by you. Accordingly, this letter serves as a formal dispute of any balance associated with the abovementioned account and as a demand to discontinue any current and further collection attempts. Furthermore, pursuant of the Fair Collection reporting Act ( FCRA ), 15 U.S.C. 1681 and 15 U.S.C. 1681i, I demand an immediate expulsion of past or future credit reporting by of any current or future collection efforts, including any derogatory remarks furnished thereto.
I further request that you discontinue all collection efforts, unless and until you timely ( 30 days ) provide me with : ( 1 ) evidence that I am the proper party in interest concerning the suspected debt ; ( 2 ) verification of the debt in question, ( 3 ) any and all legally signed bonafide contractual agreement, and ( 4 ) the successive documentation evidencing any assignment or transfer of a debt account to Commonwealth Financial Systems, from the original creditor. Furthermore, I request that Commonwealth Financial Systems to discontinue reporting of any derogatory information regarding the abovementioned account to Credit Reporting Agencies. Regardless as to whether these demands are fulfilled or the outcome of this dispute, I hereby exercise my rights to enter the entirety of this letter as a Consumer Statement in XXXX XXXX credit file pursuant to FCRA provisions.
Failure to adequately respond to the demands included in this letter, within 30 ( thirty ) days, will render a legally binding presumption that XXXX XXXX acknowledge I am not the proper Party in interest to the claimed past due amount and any further collection efforts are unlawful.
Respectfully yours, XXXX XXXX XXXX ldw
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| 01/29/2016 |
Yes |
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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I have several accounts that were to be billed to XXXX as a result of an attempt on my life in 2007 and I have funds to pay for related medical, appts, diagnostic etc.
I have NO DOCUMENTATION FROM ER IN XXXX AND SEE THIS AS WELL! LIVED XXXX MON AWAY FROM THE.AREA 5 YRS THIS WK!
I HAVE INCLUDED THE MEDICAL INFO AND BOLLINH YHAT OS THEVSE COORDINATION OF BENEFITS. YET STILL NOT A SYSYEMENT WASVSENT TO ME. HAVING HAD CRAMIAL XXXX, XXXX XXXX ALL COVERED IN PAST AND NOT RECEIVING ANY BILLS ... NO EXPLANATIONS? ...
PLEASE HELP THE XXXX ACCOUNTS THAT I HAVE NO DOCUMENTS SUPPORTING ANY OF THIS.
ALONG SAME EXACT ERRONEOUS .OR LACK OF INS BILLING ACUMEN ... COMMUNICATION BY LAW YET THEY HAVE REPORTS ONDTEAD OF BILLING INS ETC.
XXXX XXXX XXXX XXXX had been privided the billing information and I have XXXX secondary.
Not only didI not receive ANY NOTICE of an issue regarding slow pay, balance in addition, XXXX amount would have been adjusted amd I also advised XXXX XXXX. XXXX receive a charitable write off for the local hospital and since my services all being covered under XXXX, I see the XXXX on my credit report that is to be XXXX No fee, no copay yearly and I have seen multiple amounts that that reflect I did not pay or pay timely.
Additionaly, I have a XXXX XXXX and we have no.msil carriers in private community yet this information goes unheard.
There is NO CROSS-REFERENCE and ALL MAIL PKGS are not just undeliverable, I was advised by multiple businesses that they never received it back from the XXXX MAIN Post Office resulting in no notice of payment. .slow payment. .which I still can not imagine how all these covered by XXXX XXXX XXXX and I see a XXXX who read the films and his office was to bill XXXX as well..then coordinate to XXXX.
Please help me with multiple derogatory. ..and being on fixed income as result, I chose to build my credit ... and to see this service to streamline the assistance that several points of not being followed through is such a help through XXXX XXXX.
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| 01/29/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Today XX/XX/XXXX, after going back and forth with XXXX XXXX XXXX Hospital and XXXX XXXX, and getting a response from XXXX/Commomwelath, I have gotten many different answer to my issue. I spoke to the finance director of XXXX XXXX XXXX Hospital, he states that my insurance was provided to all providers at the time of service and I should of been taken care of just with a copay, XXXX XXXX states that if the claim was processed on time, my copay for Doctor XXXX XXXX XXXX office ( now in collections by XXXX XXXX/Commonwealth ) and other expenses would of been taken care of by my FSA account from XXXX, instead XXXX XXXX XXXX office filed the claim on XXXX, 2 years later. I shouldn't be held accountable because and office forgot to do a claim, I don't mind paying my part or my copay. XXXX XXXX states that it is not patients responsibility and states that they can be contacted by collection office at XXXX, member number XXXX, and also provided me their XXXX XXXX XXXX, XXXX, FL XXXX.
Complaint filed on XX/XX/XXXX : On XX/XX/XXXX, I had an emergency and ended up in the hospital for a very short period of time. Insurance information was provided at the time of service, health insurance at the time was XXXX XXXX, policy number XXXX. Insurance was billed and multiple times for the services provided, I will list them below- Claim ID number XXXX {$1200.00} paid to XXXX XXXX XXXX XXXX XXXX ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$820.00} paid to XXXX XXXX XXXX Hospital In XX/XX/XXXX, I get a letter from Commonwealth Financial Systems , INC collecting on behalf of XXXX XXXX XXXX stating that they are owed {$1200.00}. This was already paid and settled with my insurance as I listed above. I been receiving calls non stop from them demanding payment. It is also been added to my credit report and my score has already dropped significantly. This is illegal, this debt has already been paid.
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| 10/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/XXXX, I wrote all three ( 3 ) credit bureaus to dispute the amount owed to XXXX XXXX XXXX XXXX, stated I had insurance at the time so the insurance company should have been charged. I also stated I had filed chapter XXXX and the debt may have been written off as a result of that particular filing.
In XXXX XXXX I received communications from another collection agency upon which I followed up via letter advising I had insurance and provided the insurance information for them to contact my insurance company to address the issue.
In XX/XX/XXXX I received communication from another collection agency, I contacted them and advised I had insurance and the matter should be addressed accordingly with my insurance company. I contacted XXXX XXXX and provided the information to Commonwealth Financial Systems on XX/XX/XXXX. I followed up numerous times to continuously be delayed. I then followed up the first week in XXXX again to be advised that they researched the matter and I was liable for the debt. On XX/XX/XXXX, I contacted XXXX XXXX whom advised although I had been constantly communicating and disputing this debt with XXXX XXXX and the various collection agencies they hired the actual claim was not submitted until XX/XX/XXXX and based on their lack of submitting the claim within a timely manner I the consumer/insured is not liable for the debt.
This is completely opposite of what Commonwealth Financial Systems stated, they advised they researched it with my insurance company who advised since it was so old I was responsible for the debt. I have a copy of all the letters and communications sent to all the collection agencies hired on behalf of XXXX XXXX to collect this debt.
This has been very stressful and in instances caused increase in rates for financing or complete denial based on the debt being on my credit report since XXXX and not being removed. I have been dealing with this issue for almost three ( 3 ) years and there is no end in sight to reprieve.
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| 02/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am writing to you to complain about Common Wealth Financial Systems XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I have found adverse account information listed on my credit reports, XXXX, XXXX and XXXX. I have no known or verified accounts with this business and after repeated verification request Common Wealth Financial Systems has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XXXX, XXXX, and XXXX as recent as XX/XX/2019. Common Wealth Financial Systems has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$1100.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Common Wealth Financial Systems multiple times via registered USPS certified mail with return receipts which prove Common Wealth Financial Systems has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Common Wealth Financial Systems has misrepresented this account by changing various account information, such as account number and account type. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is the reason they are changing various account information. I know Common Wealth Financial Systems is well aware of my identity theft status and they are in receipt of my most recent documentation they received with signature conformation on XX/XX/2019. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
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| 02/16/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Hello CFPB, I am sending you this dispute as attempt to resolve an alleged debt matter with a collection agency by the name of Commonwealth Financial Systems also known as Northeast Credit & Collect. I review my credit reports on a monthly basis 's to ensure accuracy. In XXXX I reviewed my credit report and discovered XXXX accounts reporting from Commonwealth Financial System, The accounts are reporting as follows.
1. Commonwealth Financial, Account Number XXXX, Balance {$450.00} 2. Commonwealth Financial, Account Number XXXX, Balance {$74.00} 3. Commonwealth Financial, Account Number XXXX, Balance {$990.00} On XXXX XXXX, 2015 I sent a request for validation to Commonwealth Financial Systems requesting for validation. XXXX has passed and I have not received any communication from the collection agency regarding my claim since I discovered the collection items on my credit report and did not receive any initial notices from them regarding any debt being owed. On XXXX XXXX, 2015 I sent a XXXX request for validation via registered mail to Commonwealth Financial Systems which was delivered on XXXX/XXXX/2015 at XXXX XXXX tracking number provided by USPS is XXXX. According to the Fair Debt Collection Practice Act 809 ( b ) the collection agency must provide validation of the debt that they are claiming to be owed. Not only has Commonwealth Financial Systems Failed to notify me of the debt owed. My request for validation has been ignored and they continue to collect on the debt before providing validation by continuing to report this debt to the credit bureaus [ 15 USC 1692g ] 809 ( a ).
Commonwealth Financial Systems had sufficient amount of time to provide me the validation request. I am requesting that all three of the above accounts be removed from my credit reports with XXXX, XXXX and XXXX XXXX, Failure to remove the accounts I will consult with my attorney for who specializes in suing debt collectors for FDCPA violations.
Sincerely XXXX XXXX
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| 03/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This company has flagged my credit report with three separate collection accounts in the amounts of {$430.00}, {$280.00} and {$430.00}. After disputing these accounts on three occassions, the company has continuously updated the information for each account, changed dates, changes amounts, and has flagged them as unpaid revolving accounts.
I have never received any notice from Commonwealth financial regarding any of these debts. I have no unpiad medical bills. And medical collections under {$500.00} are not to be reported regardlesss.
I have not validated any alleged debt with Commonwealth Financial Systems, Incorporated and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability.
I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems, Incorporated any right to collect on this alleged debt in violation of 15 USC 1692g.
I have never received any documentation making me aware of this debt or requesting validation from Commonwealth Financial Systems, Incorporated, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d which the FTC defines as debt parking.
If Commonwealth Financial Systems, Incorporated, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, Incorporated, can provide me with sufficient documentary evidence that I have any legal obligation to pay them.
|
| 06/18/2015 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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On XX/XX/XXXX I received a debt collection letter stating I owed Commonwealth Financial Systems {$300.00} for a debt at XXXX XXXX which I have never heard of. I was asked to notify their office in writing if I disputed the validity of the debt within 30 days of me receiving the debt collection letter. I disputed the validity of the debt and asked for verification that this debt truly belonged to me. I asked for a break down of services provided. I also asked them to please not place anything on my credit report until the dispute was resolved. I did all of this in writing and sent the letter certified mail. Commonwealth Financial Systems received my letter on XX/XX/XXXX, well within my 30 day allotment.
On XX/XX/XXXX I checked my credit report to find that they reported it to all XXXX bureaus which of course caused a XXXX point drop in my score. Once I noticed that they did indeed place the collection account on my credit and I still had n't received any mail validating the account I called their office. Once I reached a representative they confirmed that they did in fact receive my debt validation letter but did n't have any information to provide me about the debt owed. The only thing the representative could tell me was that he assumed it was a medical bill from XX/XX/XXXX but could n't provide anything else. I asked who to contact for an itemized bill stating services provided on that day and was told to contact XXXX XXXX XXXX. I asked for contact information for XXXX but the representative told me he could n't provide that information.
I also explained that the certified letter I mailed them stated not to place any information on my credit report until the dispute was resolved. However, since this request was not obliged by Commonwealth Financial Systems in addition to the fact that I still have no information in regards to the debt I let the representative know that I would be filling a complaint and ended my conversation.
|
| 07/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Dear Commonwealth Financial System After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2018 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
|
| 07/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I recently pulled my credit report and discovered Commonwealth Financial Systems has furnished some items that were unverified information.I believe under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from my medical doctor c but I am unaware of the amount due and your bill does not include a breakdown of any fees.
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it.
|
| 05/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XXXX XXXX I reviewed my credit report and found there was a collection account placed on my credit report from Commonwealth Financial Systems. I filed a dispute with the XXXX credit bureaus in writing on the same day. They updated the account with the XXXX credit bureaus but never provided me with documentation on the debt being mine. The credit reporting agency XXXX gave me a telephone number to reach them because there was nothing else for them to do. I called in XXXX and spoke with XXXX XXXX. He told me that the bill was for someone else who was a minor at the time. I stated that this was not my child nor was I in any shape or form responsible for this person. He stated he would request the medical records/discharge papers to see who signed for this child and to call back in a week. I called back and spoke with XXXX XXXX on XXXX and he stated that the information had n't been received by the client as of yet. I also explained to him that the child the bill belong to was a foster child and a ward of the state he told me to get something in writing and that they would rectify the matter because they see this often with social workers. Then on XXXX XXXX I called back to see if these medical records were received and was told they are waiting on the client to get back to them. On XXXX XXXX I submitted a letter to Commonwealth Financial Systems from the agency stating that this child was under their care. On XXXX XXXX I was told that my account was placed on hold and they would reach out to client relations to find out why. Today XXXX XXXX I spoke with XXXX who was condescending and stated she would hang up on me. She also stated that she has to reach out to the client to obtain the information. They are in violation FCRA laws by reporting a debt that in not mine and harassing me with consistent stall tactics. They also violated the 30 day rule in which they are to provide proof that the debt is valid through investigation.
|
| 05/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Regarding a debt that Commonwealth Financial alleges that I owe for {$660.00} from what they indicate on their invoice is from XX/XX/2015. They have not provided any evidence that I owe this from the original creditor and have also re-aged this debt so that it seems like it is a more current debt.
FCRA Section 605 ( c ) makes it illegal for creditors, collection agencies, or credit bureaus to " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. In my last complaint the company responded saying that they do not " Re-age '' debt, however the dates of reporting input by the Commonwealth Financial still show the debt as newer than the original date.
FCRA Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This means that if a debt collector reports a date of first delinquency to the credit bureaus and the original creditor previously reported it, the dates must be the same date of first delinquency. Any different date constitutes illegal re-aging. information on your account longer.
Furthermore the age of this alleged debt is past the State of California statute of limitations regarding credit debt which is 4 years. Also the creditor is obligated to provide proof that they own the debt or has been assigned the debt and provide a copy of a statement from the original creditor along with a payment history from the original creditor. I want this false and illegal reporting removed from my credit report.
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| 02/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I received a collection notice from Common Wealth Finance on XX/XX/XXXX the notice stated they were collecting on debt in the amount of {$1200.00} for XXXX XXXX. The notice stated I had 30 days to file a dispute if I believe the debt is not my debt. I filed a dispute and sent it certified mail the collection agency received the disputed on XX/XX/XXXX. The collection agency did not allow me the 30 days to respond to the notice they sent the collection to be added to my credit report to all 3 credit bureaus. XXXX updated my credit report on XX/XX/XXXX, XXXX added this collection to my credit profile on XX/XX/XXXX and XXXX added this collection to my profile on XX/XX/XXXX. This did not allow me the 30 days to respond to the notice. I sent a notice requesting debt validation which was received by the collection company on XX/XX/XXXX as of today XX/XX/XXXX I have not received a debt validation response. I contacted Common Wealth Finance on XX/XX/XXXX inquiring about he response. I spoke with a representative named XXXX who verified they had received my request on XX/XX/XXXX and they were unable to provide me with he validation information I had requested. XXXX stated Common Wealth Finance had sent 2 request to their back office to send have the validation information mailed to me however she had not seen notification in her system that the response had been mailed to me. I also informed XXXX the company violated the FCRA when they did not allow the 30 days for me to respond before reporting this debt to the credit bureaus. XXXX stated the debt was not reported until XX/XX/XXXX which is incorrect according to my credit report notifications. XXXX stated this was an error created by the credit bureaus. XX/XX/XXXX I contacted XXXX, XXXX and XXXX inquiring about this collections account being added to my credit profile. All 3 credit bureaus stated the collections company reported the account to be added to the account in XXXX.
|
| 04/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a mark on my credit report in XX/XX/XXXX for XXXX $ saying they tried to collect from me from some hospital or something ( Which Ive never received any phone calls, letters, emails, etc for ). Ive been in XXXX XXXX military and havent had any procedures dont outside since like XXXX or XXXX. The collection they are referring to must be from XXXX XXXX, where I had to go from a XXXX XXXX that occurred from a friends dog. I did most of the stuff myself before going into the hospital. I put ointment and wrapped my hand up and cleaned the wound to my best ability, when going into the hospital they said they couldnt stitch it up as it may lock the bacteria in and that I should continue to put ointment and wrap the hand up and keep clean. They gave me antibiotics and sent me on my way. They then tried to charge me roughly what seems to be collected it was about {$1100.00} for literally doing nothing. I called the hospital directly and disputed these charges, the hospital apologized and we agreed and settled for XXXX , they gave me a web portal and my friend whos dog bit me paid the amount right there in front of me which settled what was owed. Now 4 years later they want to collect the FULL AMOUNT? I tried to dispute but to no avail as I dont have enough room to type what all happened in the credit report dispute. THIS IS UNLAWFUL, I paid for what services are were done to me ( which was literally nothing, the doctor actually made my would worse by trying to open it, just to tell me he didnt want to stitch it and had me go on my way ) and what I agreed to pay as it was more fair. Even more ridiculous is Ive never received any notice, phone calls, mail or email about this to try and settle with the collector or the hospital itself. This is outrageous and has impacted my almost perfect credit score terribly. Being XXXX XXXX military with a XXXX XXXX clearance impacts on my credit score effect me tremendously.
|
| 10/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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The debt posted below and attempt to obtain pass due balance is false. I was never notified by the company that the debt does not belong to me. I was never given the chance to ask to please send proof of any debt or validation with my signature. I have yet to received any information. I am asking for the company to remove the debt and have no further communication with me going forward. The debt does not belong to me. I no valid contract with the creditor " No Contract '' I am not legally responsible for the seeing as it does nit belong to me. Never given any information to be able to speak with the CSR. I do however member this false reporting once before from the agency listed below. I was told they may not be able to obtain any original record for my viewing to prove and validation that the debt belongs to me. I have yet to have any mailing response. Please remove all false attempts to collect debt. I have reached out to XXXX to remove the fraudulent information. XXXX XXXX XXXX , XXXX Last reported : XX/XX/XXXX - {$980.00} Needs Attention Overview You've paid off 0 % of your collection amount. Balance {$980.00} Highest Balance {$980.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Medical Collection account Original Creditor Name XXXX XXXX XXXX XXXX See an error? You could dispute an error with XXXX. Creditor Information XXXX XXXX XXXX , XXXX : COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/XXXX {$980.00} Needs Attention Overview You've paid off 0 % of your collection amount.
Balance {$980.00} Highest Balance {$980.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX This has been proven once before this is not my debt. This company is trying to collect on false pretenses.
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| 04/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Good Day, we revisit this same Bill that does not belong to me, or my husband, here is the timeline of events and all the backup information as I disputed it with CFPB last year on this website and it was prove not to be my bill, so it was deleted.
-XX/XX/XXXX A bill from XXXX XXXX XXXX ( XXXX XXXX Hospital ) for {$600.00}, was placed on my wifes credit report and my husbands credit report we live at the same address -We both called XXXX XXXX XXXX and told them it was not our bill, and can they please show us proof that it is ... The Lady that answered the phone was nasty and mean to us, they said they would, but we never received it ( enclosed is the screenshot of the letter we sent by priority mall, plus we called them ) -I disputed it for me, and my husband, and it came off ( mine, the wife 's but not my husband 's. see screenshots of my old XX/XX/XXXX credit report and my husbands Credit Report ) _ Thats when we contacted your company in XX/XX/XXXX CASE NUMBER XXXX ... .. and you did a great job and had it removed off my husband 's credit reports. Now life was the same back to normal, we rung in
the New Year ... LOL ... UNTIL!!!
_XX/XX/XXXX I, THE WIFE ..., received a letter from a NEW DEBT COLLECTOR ( COMMONWEALTH FINANCIAL, XX/XX/XXXX, XX/XX/XXXX , PA ) SO I Called them and explained the
whole situation, that this is an error bill, they tried to ask me for my info, like birthdate etc.. The Lady was very Rude to me, I told her to please send me proof, and she assured me she had it, ( I know she did not because ITS NOT MY BILL OR MY HUSBANDS : ) ) so we checked the mail everyday FOR a response, 3 days later this bill is blasted across all my credit reports, just mine again THE WIFE 'S ... screenshots provided. but they changed the dates looks like one report shows XX/XX/XXXX, but they updated it on another to XX/XX/XXXX, i dont know what that means, but all of this is fraud. PLEASE HELP US!!
|
| 09/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 02/10/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 02/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 12/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 11/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 11/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 10/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 09/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 09/17/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 09/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 09/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 09/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Hello, Im shocked, surprised, XXXX out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 01/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
In XX/XX/XXXX Commonwealth Financial reported several accounts to all three credit bureaus totaling about {$2000.00}. I have never received a bill or any correspondence in relations to this debt prior to it being placed on my credit report. I called to see what this alleged debt was and was informed it was in relation to medical bills. The representative was very rude and ill mannered so the conversation did n't go very far. I called back again on XX/XX/XXXX only to be transferred back to the same rude representative. i then requested verification of the debt, asking specifically for a contract of some sort between myself and Commonwealth or Commonwealth and the said medical provider and also a breakdown of alleged charges. I received a bill in the mail on XX/XX/XXXX only portraying an account balance with no specifics. I called back on XX/XX/XXXX to advise them that this is not what was requested. Again the conversation did n't go too well. I requested verification documentation and waited for a couple weeks but did not receive anything. i called back again in XX/XX/XXXX and was told by the representative they 'd sent me a bill back in XXXX and if I required further information to contact the original service provider. On XX/XX/XXXX I drafted a letter detailing very specifically the verification documentation I had requested several times and still requesting. I mailed this letter certified on XX/XX/XXXX. I called on XX/XX/XXXX and spoke to a supervisor, XXXX XXXX XXXX. he stated they 'd sent a bill and that 's all they could provide and to contact the service provider. As of this date, XX/XX/XXXX I have yet to receive any further written correspondence. Representatives from this company call at least 5 times monthly yet no one has provided anything I have requested thus far and these items remain on my credit. I have also disputed these items with XXXX, XXXX and XXXX, all still remain.
|
| 02/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I received a letter from a collection agency called Commonwealth Financial Systems on XX/XX/XXXX. The letter was dated XX/XX/XXXX. I sent them a letter asking for validation on XX/XX/XXXX. which I will enclose a copy of all correspondence with all parties within the request. The letter was received by them on XX/XX/XXXX via USPS. Commonwealth Financial systems illegally added this onto my credit report on XX/XX/XXXX. They have not sent me anything in regard to validation. Under the FDCPA, it states that the collection agency has to wait a full 30 day period before furnishing information to the credit bureau. They did not. They illegally added it onto my file to damage my credit to get me to pay an unverified debt. I called them and spoke with XXXX XXXX ( A customer service representative ) and XXXX XXXX A manager that did not disclose his last name ) and explained that this was illegal for them to do. I asked them to remove it today and they stated that they do not add or remove accounts. Then XXXX switched up her statement and stated that they never added it to my credit report, however, I have proof that they did. They said they may send a request to delete it from my file, but they did not want to provide me any paperwork disclosing that or confirming their promise. This is hurting my credit rating because I am buying a home which is now causing me to have XXXX and emotional distress. They knew that they illegally sent this over to the credit agencies to scare me into paying for the debt that is not mine. I spoke with XXXX and they stated that they did not receive anything from them and advised me to dispute it. I disputed it under Identify theft since I have not been at a medical center in 2019. I spoke with XXXX from XXXX at XXXX XXXX and he did not help at all after I explained that commonwealth Financial systems broke the law. I plan on suing both XXXX and the collection agency.
|
| 03/25/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Commonwealth Financial System - A Debt Collector has put negative information on my credit report for a bill that should have been paid by VA. Almost ten years ago I went to a VA Clinic because of XXXX XXXX XXXX ( XXXX ). When I arrive at the clinic they were concerned that my XXXX and called an ambulance to take me to the nearest hospital. I told them that I would drive to the hospital myself but they insisted that it was n't safe and I must go via ambulance so I relented and was transported by the ambulance the called to a nearby hospital. Several months later I started receiving bills from the ambulance carrier because VA had not paid the ambulance. My wife contacted VA who agreed that the trip was initiated by them and would therefore be covered. Months went by and the bills started again. Again we contacted VA to request that they pay the bill. After nearly a year of going back and forth with them they explained that this coverage had not been paid because VA had restructured and this benefit was moved to a different department. We had to start the process over with them. After many months and tremendous frustration VA agreed again that they would cover the ambulance ride. We believed that after 2-3 years of working through the bureaucracy that this was finally taken care of. In XXXX of 2016 according to my credit report Commonwealth Financial System a Debt collector is trying to collect on the ambulance ride provided by VA again. I explained all of this to them but they are unwilling to remove it from my credit report. I asked them if they had anything signed by me saying I was responsible for the debt. They said " no '' but they are not going to remove this fraudulent collection unless I pay the bill. I am a vet who 's credit is being hurt because VA has not paid has somehow not paid a bill that they created and Commonwealth Financial System is holding me hostage for the money.
|
| 11/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Hello, Im shocked, surprised, XXXX out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 01/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts all from Commonwealth Financial, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of thre FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for the Commonwealth Financial Accounts furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening.
I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received dramatic decreases.
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| 02/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Hi. I filed a complaint against this company with Consumer Financial Protection Bureau back on XX/XX/XXXX and the case ID is XXXX and I said this : Commonwealth Financial Systems is violating FCRA by changing delinquency dates on collections posted on my credit report. Not only that, but they are NOT licensed to collect in the states of Florida. According to the XXXX XXXX XXXX XXXX XXXX their license has been revoked/voided, on XX/XX/XXXX. All 3 credit bureaus report delinquency dates that are all different on most of the multiple collections on my report. XXXX says XX/XX/XXXX, XXXX XXXX says XX/XX/XXXX/XX/XX/XXXX, and XXXX XX/XX/XXXX. There are also multiple duplicate collections for the same amount on them as well. recently they tried to add a another collection for {$830.00} with the delinquency date for XX/XX/XXXX, this is a re age of a account already posted for a delinquency year of XX/XX/XXXX. They added this to all 3 credit bureaus also, and I don't owe it, period. I contacted XXXX on XX/XX/XXXX and they removed 6 out of 7 collections over the phone from these fraudsters. They seen that these accounts were suspicious, and claimed that they had several complaints about this company. The only collection they could not remove was the {$830.00} they re aged, this is slated for removal on XX/XX/XXXX.
Today, XX/XX/XXXX I received a notice from XXXX that I have 2 collections back on my report from this fraud of a collection agency, which was suppose to be taken care of already, and removed last year. If this is not removed from my report, I will file a lawsuit as soon as possible over the matter. I am not playing this game with these people. I will also turn them into the state of Florida for collecting on a revoked license in this state, and also them into the state attorney generals office as well. This better NOT show up on the other 2 credit reporting agencies also.
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| 08/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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IN REGARDS TO : COMMON WEATLH FINANCIAL XXXX XXXX XXXX XXXX XXXX, PA XXXX. I HAVE NEVER RECEIVED A 30 DAY NOTICE VAILDATE OR VERIFY IF THE DEBT WAS MINES. I AM A VICTIM OF I IDENITITY THEFT AND THIS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME AND YOU ARE REPORTING IT TO ALL 3 CREDIT BUREAUS WHICH YOU MUST REMOVE IMMEDIATLEY.
I would like to let your company know that I am disputing your claim. The account was opened fraudulently and forgery was committed and the account does not belong to me, and if you can not provide me with a contract or documentation of agreement that has my signature then remove the negative item immediately.
Under the FDCPA, I am allowed to request validation for a collection. As you know, not complying with FDCPA will put your company in a bad position with the FTC and CFPB.
I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.
2. Proof that you have the right to collect this debt in my state.
3. Proof that your company carries a bond.
4. Proof of how your company assessed the outstanding debt.
5. Payment history from the original creditor.
6. Name and address from the original creditor.
7. Copy of the original contract bearing my signature.
8. Chain of title on this debt.
9. Proof that you can collect this debt from me.
10.Do you own or is this debt assigned?
11.Copies of all letters sent to me from you the original creditor regarding this debt.
12.How much did you buy the debt for?
13.When was the last date a payment was made on this debt?
14.What fees/interest was tacked onto the debt?
15.How were the fees determined?
ONCE THE ACCOUNT HAS BEEN PROPERLY INVESTIGATED AND VALIDATED AND VERIFICATION THAT I'M RESPONSIBLE FOR THE ACCOUNT I EXPECT A RESPONSE ON THE CFPB SO CAN BE SEEN THAT THIS IS FRAUD AND VERIFCATION CAN NOT BE PROVEN ON YOUR END.
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| 09/23/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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COMMONWEALTH FINANCIAL SYSTEMSXXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX | Fax : ( XXXX ) XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify COMMONWEALTH FINANCIALSYSTEMS ACC # XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : COMMONWEALTH FINANCIALSYSTEMS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
|
| 11/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom this may concern : I sent COMMONWEALTH FINANCIAL SERVICES numerous dispute letters and as of XX/XX/2020, COMMONWEALTH FINANCIAL SERVICES continue to report negative information to my credit report and I proof that my last dispute letter was received on XX/XX/2020.
This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit report ( including XXXX, XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report.
Failure to respond within 30 days of receipt of this certified letter may result in small claims action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
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| 12/05/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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COMMONWEALTH FINANCIAL XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that COMMONWEALTH FINANCIAL or any company associate with this account # and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMMONWEALTH FINANCIALor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 04/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I received a notice via snail mail on XX/XX/XXXX stating I had an outstanding debt and had 30 days to dispute in writing the validity of the debt or it would be considered valid. Also the original amount owed and a discounted amount of 25 % off if I paid in full with in 45 days from date of the notice which was XX/XX/XXXX dated on the letter head. The agency is Commonwealth Financial Systems they listed 2 accounts on the statement XXXX in the amount of XXXX with a discount of XXXX account XXXX with a date of service from XXXX for an emergency room visit. The other XXXX with a discounted amount of XXXX if paid in full within 45 days from the same visit. I paid the accounts in full the day I received the notice. With my credit card one a XXXX XXXX card the other XXXX XXXX XXXX XXXX XXXX // which I have provided transaction information below..XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX COMMONWEALTH - XXXX XXXX - XXXX , PA {$880.00} // XXXX XXXX TRANSACTION XXXX COMMONWEALTH - XXXX XXXX - XXXX, PA..
XXXX {$38.00} I had an alert on my credit score which showed these were reported on my credit on XX/XX/XXXX which is against all credit collection polices as medical bills can not be reported until 180 after debt is received. How should I go about handling this I have excellent credit always pay my bills as I did these and without the 30 day lawful time period that is aloud to dispute debt or respond to a notice of debt from a creditor. This is highly unprofessional I have been paying on a bill from that same visit which the original amount consisted of approximately1900.00 since the day I was notified in XXXX. All of my information remains the same if I received notice of that bill why I am just now receiving a debt notice for others from the same incident, same hospital, and same billing providers is another question I have?
|
| 02/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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These debts have been reported to Commonwelth Financial in Pa. The Original creditor is XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 1.. XXXX XXXX. 2. XXXX. XXXX. 3. XXXX. XX/XX/XXXX. I have contacted XXXX XXXXXXXX XXXX XXXX XXXXXXXX they said they have nothing in my name. XXXX XXXXXXXX XXXX XXXX XXXX is XXXX. Commonwelth Financial in PA XXXX said that these accounts were sent to them from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. These three accounts have been removed from all 3 credit beauas and added back on with the same Name Commenwelth Financial out of PA. I had idenity theft of my Ss Card and DL on XX/XX/XXXX until XX/XX/XXXX. I reported this to our Police Department in Texas, in the county that I live in. On the report it Syayes that this is a Case Summary Report case number XXXX but Commonwy Financial said this is nota Police Report. So I Called the XXXX Police Department And have them the case number and advised them I needed A Police Report not a Summary case report. XXXX XXXX at XXXX Police dept ph number XXXX XXXX XXXX advised me that a case summary report and a police report where the same. Commonwelth Financial advised me that if I Dont provide a police report that these 3 Accounts are mine and I have to paid these account Per XXXX.. Also XXXX advised me that now these 3 Accounts have been turned over to a company called XXXX XXXX XXXX Phone Number is XXXX Called then and got Answering Machine. Left my Name and Number and have not heard back from them. I checked with the XXXX reviews and there is a statement that said that Commenwelth Financial and XXXX XXXX XXXX are scams. Please let me l ow how to get these People to stop putting these account on my. Refit Reports ... I have tryied everything and still asked to Pay these accounts that are not mine ... if you need additional information you can contact me at XXXX XXXX XXXX ...
|
| 04/12/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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i was notified by my credit monitoring service that there was a new collection on my credit report. I reviewed my credit report and found that it contained a collection from Commonwealth Financial. At this point, i had not received any phone calls or letters by US mail. I looked up the company on the internet to obtain there phone number. I contacted the company and spoke with a representative and was informed that I owed a hospital bill from XX/XX/XXXX from XXXX hospital. I asked them why I had not received anything in writing about this and they said they would send me a validation letter. I then filed a letter with Commonwealth Financial stating that they needed to send me validation of the debt from the original creditor showing the itemized bill. this was on XX/XX/XXXX. I have since been harassed by them by phone and have requested that all collections be stopped against me due to the dispute. They have failed to report to XXXX, XXXX and XXXX that this debt is being disputed by me. I have also emailed them a letter from the original creditor, XXXX hospital, stating that i have a XXXX balance with them. I have on numerous occasions tried to contact them on the status of this dispute and have got the run a round about it. I have requested that they remove all information from the credit bureaus while this is being investigated and they refuse to do so. they told me they have 30 days to validate the debt but have failed to do so as of yet. This company is clearly violating FCRA laws by not informing the XXXX credit bureaus that this account is in dispute. XXXX XXXX with Commonwealth Financial will not respond to my phone calls. He is the person that is supposedly handling my account with them. i would like this removed from my credit report immediately or legal action against this company will be taken on my behalf.
|
| 02/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
***PLEASE REVIEW, URGENT INFORMATION REGARDING THE PRACTICES AND TACTICS OF COMMONWEALTH FINANCIAL***** I have never before in my life had an agency that is so incompetent and downright sleazy than this debt collecting company. Upon first review of looking up this company - immediately red flags. No one says ANYTHING positive about them, and for good reason. Let me tell you my story - I owe XXXX $ on a medical bill that I could not afford at the time. This bill went to collections, where Common Wealth Financial inherited by account. Upon first contact with them, they were aggressive, unprofessional, and exceedingly degrading. They were telling me, the customer, upon first contact, that not paying medical debt is illegal and that the account will incur interest with them, and that I needed to pay 1/2 of if off immediately to avoid more fees/other charges. They would not allow me to set up a payment plan - they told me that since my balance was " low '' for medical, that my treatment wasn't that extensive and that I should be able to pay it off since I'm " better now. '' This is so absolutely degrading and unprofessional and how they are still allowed to operate is beyond my comprehension - I am sure that this account, my story, is one of thousands since many people that I personally know can attest to the treatment that this " company '' is known for.
I am not asking for my debt to be cleared. I am not writing this because I am upset about the debt. I am upset at the blatant disregard that this company has for the individuals that it is supposed to serve. Please look into this very closely. I am currently thinking about getting attorney representation for this. No one should have to go through this, and maybe with all of these accounts of negligence, they can finally be held responsible for their malpractice.
|
| 05/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 03/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 03/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 03/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 11/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Commonwealth continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted commonwealth is failing to provide me with any proof that this account belongs to me. I have written this company 4 different times and made them very aware that this account in the amount of {$1700.00} does not belong to me and is a result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I did not open or authorize this account for the 100th time, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. Commonwealth has not provided me with any contract bearing my signature nor do they have any such contract. Not only that I have not authorized anyone to share my medical information with no third parties or anyone else. I'm baffled as to how this company continues to report inaccurate information and is steadily getting away with it. What are you using to verify this information who have you talk to what proof has been given? It can't possibly be anything that is accurate because I have never dealt with commonwealth or the company it represents. I will be forced to sue commonwealth and all CRA that's reporting this information.
|
| 09/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, Commonwealth Financial Systems reported a negative medical debt that was sent to collections before the original Debt owner XXXX XXXX XXXX XXXX secured payment from my medical Insurance provider who paid the medical bill in XX/XX/XXXX. The amount posted on my XXXX and XXXX credit report states that I am delinquent to the debt of {$700.00}. This was clearly paid and annotated on my medical Explanation of Benefits statement dated XX/XX/XXXX. After repeatedly disputing this with the two mentioned CRA, The Debt collection Agengy ( Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX PA XXXX ) replied without investigating that the amount reported on credit report is correct. I then contacted the original Debt reporter ( XXXX XXXX XXXX XXXX ) who sold the account to Commonwealth Financial System and was given another amount owed that is not correct. Requesting a bill, I then received billing statement with another amount different from the {$700.00} previous reported on my credit report. This information came from Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX PA XXXX in a letter shortly after I contacted XXXX XXXX XXXX XXXX. The information being reported is not correct and I have acquired enough documentation to show that XXXX XXXX XXXX XXXX is trying to collect money not owed that was paid by my insurance and the third party Collection agency is reporting this debt erroneously and using my credit report as a ransom to get me to pay what is not legally owed due to bad billing from the original debtor XXXX XXXX XXXX XXXX. I feel this tactic is to coerce me to pay something or I would otherwise have a negative comment on my Credit report until XX/XX/XXXX. I can send all documentations after I hear back and know I can trust a secure means to send it to your office.
|
| 07/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have attempted to have this debit removed from my account since XXXX, which was originally belonged to XXXX XXXXXXXX XXXX XXXX, FL. I contacted XXXX hospital and had found out that My ex-wife had went to the hospital Emergency room and those were her bills.. My ex-wife and I haven't spoken since XXXX.. The hospital agreed that those debits didn't belong to me and removed what I thought all of the bills of my name. However, few years later I was connoted by Common Wealth Financial Systems requesting me to pay the debit. I sent them my information and informed them that issue XXXX XXXX learned that those bills didn't belong to me. Common Wealth Financial, were very unprofessional and were always threatening toward me. I have attempted to have it removed by the hospital but the stated the debit was sold to Common Wealth. I provided Common Wealth with my information so the can match it with whatever forms they have in their records such as original documents or and signatures by the person who went to the ER. But at no help. I have contacted and spoke to several managers at Common Wealth like XXXX XXXX extension XXXX at XXXX and others no help but very nasty attitude and threatening demeanors.
I have disputed matter with all Credit Bureaus, and Common Wealth claims it was validated. Very confusing how it can be validated if it wasn't mine nor my name or identification on any documents. I even requested them to provide me the HIPAA signed form to show it was me, Common Wealth Financial failed to do so.
several calls since XXXX to XX/XX/XXXX email XX/XX/XXXX also recently I emailed this person with Common Wealth XXXX regarding this and nothing was done as this person promised.
Finally, Common Wealth Financial Refused to remove this debit after so many attempts knowing its not mine!
|
| 10/20/2015 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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It did not allow me to check everything they did wrong. However I will start by saying Commonwealth Financial Systems is a pathetic excuse for a company. The employees that represent this company are the most ignorant and hateful beings I have ever had the displeasure of speaking with! I was appalled by the lack of professionalism they presented. I was not told of the so called " Mini Miranda '' notice at the beginning of my call when I spoke to a Specific representative this rep was XXXX of the worst and I have her name and reported her which did no good I am sure. Aside from all that when speaking with this specific rep I was so hurt and disgusted by her attitude I asked to be transferred to a manager high than her she REFUSED! stating that she will take care of me I asked multiple times to be transferred she refused every time finally I hung up and just asked to be transferred to someone besides her. On another note I do not owe this debt I have received absolutely nothing in the mail prior to it being sent to collections and the debt is from 2009 in my state of KY the statute of limitations has expired yet they continue to bother me. I also asked for an itemized bill because I wanted validation of the debt before I even think to pay a penny. They " requested '' it over a month ago and still nothing has been sent to me. I have never in my life been so mistreated by any company! It is my understanding that if you represent a company one would think there would be at least a small amount of respect exchanged by the employees to the consumer. I received nothing but unanswered questions hateful and insulting behavior from the representatives and a clear understanding of who not to be as a human being. I would never speak to any individual or treat any XXXX as they have treated me!
|
| 03/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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This was a debt to XXXX XXXX XXXX XXXX. This was paid on XX/XX/XXXX to XXXX XXXX. XXXX XXXX with XXXX advised they would notify XXXX that this was paid. I was sent receipts and it was removed from my creit report. In XXXX of XXXX I received notice from XXXX XXXX that this was being reported again on my credit report as unpaid. I contacted XXXX XXXX with XXXX and advised her what happened. She advised she would reach out to XXXX and make them aware this was paid once again. I contacted XXXX XXXX and the new debt collection company. The company asked for my receipts and immediately removed the item from my credit reports. Then in XX/XX/XXXX I received notification again from XXXX XXXX that a collections account was added to my credit reports. Once again the collector was XXXX XXXX XXXX XXXX. This time with another collection company XXXX XXXX XXXX. I contacted the new company on XX/XX/XXXX and sent them the receipts showing it had been paid. I was advised that the back office needed to handle this. it would take 7 days. On XX/XX/XXXX I had not heard anything and contacted them again. I spoke to XXXX at ext XXXX she asked me to send the receipts again which I did. I waited to see if it would be removed or hear something from them. Nothing. On XX/XX/XXXX I contacted them again and they said it would take 30-45 days and that I needed to contact the creditor that they got it from XXXX. I contacted XXXX on XX/XX/XXXX they said contact XXXX. I also sent the receipt to XXXX on XX/XX/XXXX. Because I was tired of getting the run a round I contacted XXXX XXXX with XXXX. She advised that she would contact XXXX once again. As of today XX/XX/XXXX this item has not been removed from my credit report. I am in the process of trying to purchase a home and each time they add this my score drops.
|
| 10/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Commonwealth Financial ( a collection agency ) reached out about a debt during the week of XX/XX/2023. This was a debt that was from many years ago based on an ambulance bill for our XXXX XXXX XXXX. The original creditor, XXXX submitted the claim to primary insurance which did not cover this fee, as secondary insurance ( Medicaid ) pays for this fee as a part of their transportation program. The hospital got pre-approvals and set up the ride directly through their vendor XXXX. ( XXXX XXXXXXXX XXXX ) before taking this ambulance ride. After XXXX sent us a bill years ago, we sent them our secondary insurance information. XXXX, according to our medicaid provider XXXX XXXX never tried to balance bill them and continued to try and collect directly from us. As I understand in Pennsylvania you can not balance bill a medicaid subscriber.
According to Commonwealth, this debt was sold to XXXX XXXX XXXX. Earlier this year I again provided information regarding my son 's medicaid number and told them that XXXX never submitted claim to the insurer. I also offer to assist in researching this aged claim and wrote them a letter with any details I could find. My son takes ambulance rides all of the time to doctors appointments as he is XXXX XXXX XXXX XXXX and no other ambulance company has had issues billing and we never receive balance bills over 15 years. XXXX has multiple claims for collection through their collection partners but refuse to bill our secondary insurer and instead come after us directly, even though the secondary insurer is the one they have the contract with for transportation.
This morning we found that Commonwealth Financial had put a derogatory remark on our perfect credit report. If this was a valid debt I would pay it, however it is a charge that insurance covers.
|
| 04/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am writing to you to complain about Common Wealth Financial Systems .. I have found adverse account information listed on my credit reports. Under account # XXXX. I have no known or verified accounts with this business and after repeated verification request Common Wealth Financial Systems has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to. XXXX, XXXX & XXXX as recent as XX/XX/2019. Common Wealth Financial Systems has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of { {$880.00} }. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Common Wealth Financial Systems multiple times. Common Wealth Financial Systems has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Common Wealth Financial Systems has misrepresented this account by changing various account information, such as account number and account type. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is the reason they are changing various account information. I know Common Wealth Financial Systems is well aware of my identity theft status and they are in receipt of my most recent documentation they received with signature conformation on XX/XX/2019. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue.
|
| 11/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
- UNITED STATES MINOR OUTLYING ISLANDS
- 94123
|
Web |
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|
On or around XX/XX/XXXX, I contacted Commonwealth Financial ServicesXXXX XXXX XXXX in dispute of a debt from XX/XX/XXXX in the amount of {$370.00}. In their letter dated XX/XX/XXXX, CFS states " Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. '' During my phone conversation with Mr. XXXX XXXX I firmly disputed this alleged debt as I had previously disputed this debt in XXXX.
Unfortunately a XXXX XXXX XXXX XXXX of XXXX TX under the license of Dr. XXXX XXXX upcoded a visit for a simple UTI ( normally coded as XXXX that was upcoded to XXXX please see the following for an explanation of coding https : XXXX XXXX XXXX XXXX XXXX XXXX. ) Mr. XXXX indicated he would send me a copy of the original bill and suggested I contact XXXX XXXX to resolve the situation. In the meantime, I was not to worry and I would be able to resolve the issue without fear of damage to my credit file. Despite my original dispute and reflecting to CFS and XXXX XXXX XXXX that I firmly dispute the charges as I did not receive the services claimed, the disputed debt was reported to credit agencies ( XXXX ) as of XX/XX/XXXX. I immediately contacted this collection agency to ask this information be removed from my credit file. The " Manager '' indicated that CFS had the right to update my credit file at any time and queried how could I " prove '' I was upcoded. He refused to remove the inaccurate information from my credit file at which time I told him I would be exercising state and federal remedies available to me. My credit is now damaged as a result of fraudulent upcoding and a collections agency using predatory collections practices to strong arm individuals into payment.
|
| 02/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Common Wealth Financial on XX/XX/18. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
|
| 10/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
|
| 05/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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This is now the THIRD TIME this supposed debt has yet to reappeared on my credit report. This supposed debt was discharged not of my responsibility due to the un ability to prove financial responsibility. On XX/XX/2017 I received a document by mail from XXXX XXXX XXXX XXXX stating that after due diligence and international investigation of all information shared by all partys this supposed debt was false non existent and was ordered to be removed immediately never to be used again against me because there were no findings of financial responsibility. Yet despite a certified legal document in response to this supposed debt being false by XXXX XXXX, the companys COMMONWEALTH FINANCIAL SYSTEMS and the original creditor XXXX XXXX XXXX XXXX disregarded this filing and finding. COMMONWEALTH FINANCIAL SERVICES LLC then proceeded to contact me yet again against these findings and claimed that XXXX XXXX XXXX XXXX withdrew this matter from XXXX XXXX XXXX XXXX despite their findings well after the date of these findings. In this legal document presented to me by XXXX XXXX XXXX XXXX that stated this supposed debt be removed immediately from all credit reports indefinitely. COMMONWEALTH FINANCIAL SERVICES LLC claim they sent a document proving these liabilitys, but the documents I requested as well as XXXX XXXX XXXX XXXX were not certified legal documents or copys of certified legal documents and or a certified legal contract or certified copy there of. Also XXXX neglected this discharge of debt order due to un ability to prove financial responsibility and allowed this supposed debt once again be put on my report. My previous CFPB Complaints in this matter are # XXXX and # XXXX / ID XXXX there is sufficient documentation on this matter in the CFPB archives.
|
| 11/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/2021 I sent a debt validation letter to COMNWLTH FIN XXXX XXXX XXXX XXXX XXXX, Its been more than 30 days and they have not responded my request. ( letter attached ) I am distressed that COMNWLTH FIN have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. ( FCRA ) Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Account # XXXX Please remove it from my credit report.
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Pursuant to XXXX XXXX XXXX ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.
Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports.
Best Regards XXXX XXXX XXXX
|
| 03/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681.
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The information that COMMONWEALTH FINANCIAL claimed to have forwarded this account to be deleted from my credit report on XX/XX/17 CFPB complaint # : XXXX has never been removed from my credit report. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately.
A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
|
| 12/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I was Informed by XXXX XXXX that I had a collection listed on my credit from an account opened XX/XX/XXXX. This was a shock to me because my credit is fairly new and I pay all bills on time. Upon doing some research i found that this was a medical bill from XX/XX/XXXX with the vague description of XXXX XXXX XXXX XXXX. Well I had not accumulated this debt so i filed a dispute with the the 3 major credit bureaus. I was informed that this account had been " verified '' as mine as a response through XXXX. This was alarming to me because I had never received any formal documentation of this alleged debt from the original debtor nor the collection agency. In fact, I had no knowledge of this alleged debt until it appeared as a derogatory mark on my growing credit. This is in clear violation of Fair Debt Collection practices as the deceptive nature and maneuvering of this company has denied me the RIGHT to this so called " verified " information and denied my RIGHT to settle or pay in the first place for that matter. They made no attempt to contact me to verify if this debt belongs to me. Its evident that the actions of this company are malicious and I find it predatory that such a thing can happen and I am left hopeless and at the mercy of the very people who have committed this offense. I have made attempts to contact them but to no avail. I have been asked several times to provide " documentation '' to verify my innocence but how? what documentation? I have none because this is not my debt! No one has provided me any verifying documents, including the 3 major Credit Bureaus! No attempts were ever made to contact me directly, I received no bills, notifications or mail. I feel helpless as a consumer. Please Advise as to what I should/could do.
|
| 06/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
After being denied a mortgage, I checked my credit report and discovered that Commonwealth Financial Systems inaccurately reported a Medical bill to the credit bureaus.
Against my wishes my medical provider called for an ambulance to transport me to the hospital XX/XX/XXXX, although I was capable of driving myself, I was unemployed and therefore, unable to afford health insurance, I incurred an ambulance bill in the amount of {$990.00}, which I was not able to pay.
Commonwealth Financial Systems purchased the debt from XXXX XXXX XXXX and in XX/XX/XXXX reported it to the credit bureaus, using an account was opened date of XX/XX/XXXX, instead of XX/XX/XXXX, to have a greater negative impact to my creditworthiness. After I discovered what was done, I disputed the information as being inaccurate, Commonwealth Financial verified the information to the credit bureaus as being correct. I again disputed the information and XXXX credit bureau responded two days later that the information provided by Commonwealth was proven to be correct. Commonwealth Financial System continually violates FCRA rules by falsely reporting debt information to the credit bureaus to intentionally cause harm to consumers. On XX/XX/XXXX, I called Commonwealth Financial System, identified myself and asked to speak with a supervisor, I gave her the correct account date and requested that they correct their errors, I was told by the same supervisor that it was legal for them to report the account opened date the way they did, I then asked her to provide me with written details of the account, showing that the was opened XX/XX/XXXX, including, letters of attempts to collect this debt and they refused, she also stated that my only remedy is to pay the full amount due.
|
| 05/10/2015 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Servicemember |
|
Under a recent direct of all XXXX credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage.
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception.
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state.
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception.
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria.
|
| 01/28/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was contacted by a company referring to themselves as commonwealth associates. The person I talked first to said he was lawyer and didnt give me his name. He had all of my personal information SNN, addresses, and email. They informed that I was being sued due to a debt that went unpaid for a private student loan. I asked for information but was greeted with rudeness and threats for arrest and court summons then he hung up on me after refusal to pay on the phone. I called back to try and working things out. I asked them for verification of debt, but was met with refusal. I told them I wasnt paying anything until I got verficiation. They sent me a so called stipulation via email without telling me what it was. The original debtor was XXXX XXXX which is an online college I attended. The last person I talked went by the name XXXX XXXX, and he informed that they were looking into garnishing my wages or taking my tax or they would send a court summons. I cut him off before he started asking me questions. I told him he wasnt getting any personal information from me. He said Ill take that as you want me to send out the court summons then and hung up. I reached out to XXXX to confirm the debt, and was told by one of their representatives that there was no private loan debt of {$3700.00}. I also asked if I had anything sent to collection and she said no other the {$2700.00} that I already paid in full. I then reached out to XXXX XXXX XXXX which was the original company that XXXX has sent the debt to. The representative there stated that I paid in full. I told her about the situation. She said that its a scam and she will file a report with her company. Commonwealth Associates also contact my parents and gave it my SSN to them.
|
| 06/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
CFSI is attempting to collect a debt with an amount that can not be confirmed with the originator of the debt with a service date of XX/XX/XXXX. I reached out to my insurance at the time for this service and they were billed for a hospital bill in XXXX. The total of the bill was {$510.00} dollars. My portion was {$18.00} which I paid. Regardless this debt is time barred according to WA state law RCW XXXX stating that debts are only collectable for 6 years. It reached the 6 years in XX/XX/XXXX. It is illegal to attempt to collect this debt in WA state according to law and case precedence. When I reached out to XXXX XXXX the folks CFSI said they were collecting on behalf of they even stated the debt was time barred even if it were accurate and true.
I would ask they remove it from my credit immediately. In addition this company lied to me on a recorded call stating that they spoke to me XX/XX/XXXX from a previous complaint I filed with CFBP ID XXXX in their response.They never spoke to me as they stated on the recorded call they didn't have my account in XXXX as a manager stated on the recorded call. When I asked for their debt liscese number they also refused to give it to me on the call and referred me to their website instead.
They are using misleading practices to attempt to renew the statute of limitations of this debt which is illegal. I purchased a home in XXXX and XXXX and have monitored my credit very closely. It is very strange that a debt over 6 years old has now come up in collections. In addition I have never received any other information from this company. I reached out to them when I received notification form My Fico. The information they providing is false. The recorded conversation is attached.
|
| 12/18/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I called the company for a balance on a current debt that I was paying off because they did not update the computer and my online account said that I still owed the full amount. Upon calling, the representative said I had another account. I told her I did not know about that account and she said it was probably because the bill was sent to an old address. Although, the company has my current address, I updated my address with them. After hanging up, I realized that the address they sent the bill has someone who will hurt me if she finds me living there. I called back and asked why they sent the bill to an old address when they have the current address on file. She told me that they did not send the bill and that is not what the first representative said and that all calls are recorded. I told her my lawyer will be subpoenaing that record. She said she was going to get a supervisor. The first girl got back on the phone and tried to tell me that is not what she said. I tried to tell her that she did say that. The so called supervisor got on the line and told me that they can not control when they get bill. I told him that was not the issue. The issue is that they sent to the wrong address when they have the correct one on file. Also, that they put my life in danger. He tried to argue. I told him that my lawyer will be subpoenaing the records. He said get your lawyer and hung up. I called CFPB and the representative told me a few things to protect me against scams. I called back later without giving the representative any information and asked for their license number. At first, she told me she did not know what I was talking about. She put on hold a couple times. Finally, she told the company did not have one.
|
| 03/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, PA XXXX Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Amount : {$1700.00} XXXX Placed For Collection : XX/XX/2021 Date Updated : XX/XX/2021 I demanded Commonwealth Financial Systems to provide me with validation of the debt to include the signed contract between me, XXXX XXXX XXXX and Commonwealth Financial Systems which claim to be collecting and a complete accounting of all charges and credits concerning the account from the time it was opened.
I also asked them to provide me with the signed contract between Commonwealth Financial Systems and the " original creditor '', XXXX XXXX XXXX XXXX which Commonwealth Financial Systems are collecting on behalf of, if they, Commonwealth Financial Systems have been hired to collect it for someone else.
I informed them that if they did not provide proof or the existence of the debt and their authority to collect it within the next 30 days or have it removed entirely from my credit file with all three credit bureaus, that I may file a claim against them in state court under the laws of Arizona, or the FDCPA, for damages against me related to their fraudulent reporting of the debt to one or more credit bureaus.
Commonwealth Financial Systems failed to provide proof of the existence of the debt and failed to remove it from my credit file with all three credit bureaus within the 30-day time frame, therefore I wish to file a claim with FDCPA.
Commonwealth Financial Systems bought this debt from a previous debt collection agency which had removed the debt from my credit file after receiving a letter from me with the same requests.
Signed XXXX XXXX XXXX Without prejudice UCC 1-308
|
| 06/17/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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disputed a debt on XXXX report, called Hospital to get information about debt. asked if they used a XXXX. in XXXX from XXXX XXXX XXXX, Hospital staff connected me directly with a company that handled collections for XXXX. ( XXXX XXXX ) ... they said they had no information on me. XXXX report showed Commonwealth Financial as collector. Got # called them told me by phone debt was {$170.00} & service date was XXXX/XXXX/XXXX @ XXXX XXXX XXXX Hospital in XXXX XXXX ( never been in that Hospital ) I was seen in ER @ XXXX XXXX XXXX. in XXXX on XXXX/XXXX/XXXX & admitted. @ time I had XXXX insurances XXXX & XXXX ( was in process of filing for XXXX ) & Insurances paid bills in full ( {$0.00} balance ) Collection Co. just seemed to make up a balance? Lied to me about amount ... Person I spoke w/ a collections is XXXX XXXX Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ext XXXX ) I asked for letter for validation w/ date of service/amount/date of last activity/etc ... ( He pretty much told me He 'd send their standard statement ) would not tell me what info would be on it ... The {$170.00} is bogus & 2 years different on date of service. Seems like a case of FRAUD to me??? Tomorrow I 'll mail a cease & desist letter w/ a request for Validation letter ... Filed a complaint w/ XXXX as well. will gather supporting evidence from hospital & Insurance companies. We 'll see if I 'm sent anything from them? Want this removed from Credit Report. Seems like my credit report is full of mistakes ... lodged other disputes. I do n't have perfect credit & do n't claim to be a saint ... BUT WRONG IS WRONG. I 'm trying to repair credit ( I do n't need errors/fraud, to make it any harder than it already is. )
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| 08/14/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Commonwealth Financial Systems has once again placed an unsubstantiated collection on my credit reports in the amount of {$57.00}. This is the 6th time that this fraudulent account has appeared on my credit reports and the 4th time that Commonwealth Financial Systems has reported this false information. Each time they change the account number reported to the credit bureaus. I have proof of sending certified letters to Commonwealth Financial Systems denying their allegations and requesting evidence of their claim. In all cases, Commonwealth Financial Systems ignored my letters and has refused to provide evidence of their claim. This fraudulent collection was reported in the past by other collection agencies as well. XXXX XXXX XXXX, XXXX & Northeast Credit have also reported this false collection in the past. It took assistance from the Attorney General 's office to get them removed from my reports. The credit bureaus have also removed this false collection placed by Commonwealth from my report multiple times. I have kept all correspondence and evidence of my complaints with the Attorney General as well as credit reports showing that this fraudulent account was previously deleted multiple times. I have had to place a fraud alert on my credit reports because this continues to occur. It is horrifying to see that Commonwealth has well over XXXX complaints with the CFPB. I have filed new complaints with the Attorney General of XXXX as well as the XXXX Attorney General & the XXXX. I am also filing a complaint with XXXX XXXX for code of conduct violations.
It is my prayer that the CFPB will take action against Commonwealth Financial Systems to stop their continued abusive, deceptive and illegal behavior.
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| 08/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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2 MEDICAL COLLECTIONS FROM COMMONWEALTH FINANCIAL SERVICES - WHO IS THIS COMPANY AND WHY ARE THEY ON MY CREDIT REPORT??? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 08/16/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I have been on Medicaid for years and I have been receiving a collection for a er ems transport service I havent been to the hospital since XX/XX/2017 and I have a collection agency trying to collect from me at the Same time I have been informed that my personal sensitive information including my medical records and information has been compromised and I have been reported as a true victim of identity theft and name fraud. XXXX XXXX XXXX XXXX and XXXX credit report agency have my information as being compromised to which it has caused me to be directly impacted by the Data breach from both Credit agencies and I have never been charged for a ems transport service from my medical insurance company. I have to say that I hope that being my information is compromised and I have been a victim of identity theft and name fraud due to the fact that the Data Breaches have me finding a new origin of Some type of collection agency trying to charge me for the debt that I have not obtained myself. I am sure that with the details from this information with the process to get my identity restored should be a source to be easily verified and we can make a decision in regards to the situation regarding my circumstances with my personal sensitive information and my medical records and information being compromised by the Data Breaches from two separate credit report agencies, should be a source to reach the proper resolution to this matter and I look forward to seeing the new collection of debt being removed from my credit report and I hope it will be rather sooner than later so we can get this matter of unfortunate events resolved in a timely manner and I appreciate your time and consideration in this matter.
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| 01/09/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.
I recently discovered an erroneous collection account on my credit file from a collection agency named Commonwealth Financial Services. I have no knowledge of this debt. I have no idea what this is, nor what they claim I owe the money for. I have sent the 3 Credit Bureaus validation letters, two times. Both letters requested verifiable PROOF of this alleged debt. Both letters merely claimed the debt was verified but I received no verifiable PROOF from any of the 3 bureaus that this was my debt. A clear violation of the FCRA. Approximately 30 days ago I sent a letter asking for valid proof to the reporting collection company, Commonwealth Financial Services. To date my letter has been ignored and their fraudulent collection practices continue, also a clear violation of the FCRA.
The failure to comply and positively verify this account has violated my consumer and civil rights and has damaged my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, the account must be removed immediately. My demand is the immediate and permanent removal of these erroneous accounts from all three credit bureaus. If this is not accomplished immediately, I am prepared to protect my legal rights under the Fair Credit Reporting Act by retaining a consumer protection Attorney.
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| 06/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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I higher XXXXXXXX XXXX to help with my credi and I also hired XXXX to clean my credit so that I could build a home and go back to school also to get my student loans back in good standings. I have tried to contact this common financial at this number that they finally provided on the web an its not an active number. Not to mention the fact that they had several different social security numbers that were not mine listed on this false account to begin with that they are claiming is mine to start out with. I do not recall ever being at this place and what they provided for XXXX credit repair either I did not recognize at all. I have tried to get as much information as I could and I still do not know anymore about them nor was I able to get in touch with them at all the information they provided. I am kind of upset with XXXX credit Union bureau as well because I dont think they should have the right to delete the social security numbers either until I was able to get to the bottom of all of this. Also I dropped dramatically in my credit score and didnt see any good reason why I should have or was not giving me any reason why and I would like an explanation for thst also. If you could get to the bottom of this I would greatly appreciate it I have been working so hard for the past year or more on my credit and I dont feel like I have gotten very far at all because they keep dropping me dramatically and I feel like its all about keeping me for the money at this point and just nothing more. I feel just like they have no care about me and put me on the back burner kinda and my stomach is just got this worrying pit day after day because of this. I feel like I will never get right with my credit.
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| 09/25/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American, Servicemember |
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This MEDICAL billings referenced in either XXXX XXXX XXXX original account numbers XXXX or XXXX have been fully paid by The Department of Veterans Affairs, ( XXXX, WI ). Documentation from the VA agency ( dated XXXX XXXX, 2015 ) is proof of payment. However, Commonwealth Financial Systems has improperly reported XXXX or both of the {$810.00} billings as a Charge Off-Collections action to the XXXX credit bureau. The payor is not the patient, but is The Department of Veterans Affairs, VA, ( XXXX ). The XXXX VA office has provided a detailed XXXX-page payment document that clearly identifies the all-inclusive payment to the initial provider, XXXX XXXX XXXX, XXXX, WI. The full payment, dated XXXX XXXX, 2015, is recognized by Federal Law to the INITIAL medical provider, and it is also recognized as FULL PAYMENT to associated medical providers who had provided medical procedures relevant to the care at the XXXX XXXX XXXX. Important : An associated medical procedure is also recognized as a " Packaged '', " Inclusive '', or " Unbundled '' line item on any billing, and page XXXX of the Veterans Administration ( VA ) sheet clearly identifies those line items " are not the patient responsibility. '' In this matter, the VA payment is to the Hospital and separate Medical Providers are to gain their payment ( s ) from the Hospital. This is a MEDICAL issue, and any report of a delinquency ( which is not the case, here, because it is paid ), must include a " Dispute '' annotation if reported to a Credit Bureau. However, Commonwealth Financial Systems identifies XXXX ( or both ) of the Infinity billings a a " Charge Off-Collections '' action without accurately identifying the matter as a Medical Dispute.
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| 08/09/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
|
Commonwealth Financial System, Incorporated XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian, Equifax, Transunion.
Account : Dispute/Refuse I am stunning that reviewing my credit report I found this absurd collection, damaging my credit.
This collection agency is complete inaccurate and I do not owe any money for those services, for that reason I requesting to be removed from my credit.
This claim is complete absurd and unacceptable. The incident happen several years ago when my son has an accident and ambulance services was utilize to transport him from XXXX XXXX GA to the Hospital at XXXX GA.
At the time the XXXX XXXX XXXX shield insurance was provide and paid off.
Several Months later we received a letter stating that the insurance information was necessary one more time. Witch we provide one more time.
Over a year after that second incident a law firm stated that they will send the letter requesting the paid off or will be send to collections, which they did.
After several attempt letters, phone call and on line chatting, they agree that it was an error on their part, and promise to remove from the Credit report.
Now after about 6 years have being pass of the incident. The same company send a bill to collections one more time and that of course is affecting my credit.
This is totally unacceptable. I am XXXX with more than XXXX years serving my country.
My credit is review every time I have to obtain clearance for my employment. Actions like this due to negligence from they 're part my life and my family life is affecting.
I am requesting your assistance to resolve this matter in a positive manner, and I demand from that account be removed from my credit report.
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY!
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
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| 09/19/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Because of a security breach, I have a credit report monitoring program. I was notified recently of a new item on my report. It was a collection notice lodged by Commonwealth Financial Systems , Inc. located in XXXX XXXX, Pennsylvania. I contacted Commonwealth and was advised that a woman using my name, my date of birth and my social security number had incurred charges in the amount of {$530.00} at the emergency room ( XXXX XXXX XXXX ) at XXXX XXXX in XXXX on XX/XX/XXXX, for her minor child XXXX XXXX. Based upon that information, and believing I was a victim of identity fraud, I filed an incident report with XXXX XXXX Police on XX/XX/XXXX. It is incident report number : XXXX. I also filed an identity theft report with the FTC- # XXXX.
I was able to contact a XXXX. XXXX XXXX, in the financial office at XXXX XXXX. ( Her contact is : XXXX. ) She was able to locate the account in question. She advised that the person who had incurred the charges was an XXXX XXXX XXXX and that no date of birth, nor social security number had been provided. XXXX XXXX also had an address on XXXX XXXX in XXXX XXXX. Finally, XXXX XXXX indicated that she has seen this happen many times. A collection agency will find someone in the geographic vicinity with the same or similar name and implement collections against them. Needless to say, I was not the victim of identity fraud committed by this woman, but was the subject of unscrupulous practices by this collection agency. Commonwealth did not take any effort at all to confirm the identity of the debtor, they just placed the derogatory information on my credit report. While this may be no big deal, if they are doing this regularly, they should be stopped.
|
| 02/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This is not a duplicate complaint. This company stated the following for case number XXXX-XXXX dated XX/XX/2019.
**The account has been marked as disputed and a deletion request will be sent to the credit reporting agencies to temporarily remove the tradeline from reporting during the Validation Period dispute. ** These amount are still on my credit reports and it has been 30 days. Below is my original complaint : This company continues to viciously attack me with no proof of any debt that supposedly stem back from XX/XX/XXXX- almost 7 years now for the amount of {$1300.00}. I have filed a police report and have retained an attorney against this Collection Agency- Commonwealth Financial , which have been sued over 77 times already AND LOST. This company needs to be shut down. According to the FCRPA, they are to prove such alleged debt with Validation NOT verification witch include an itemized break down of services that were supposedly rendered and not just a statement of random of amounts. I have never lived in XXXX XXXX, Nevada or have been there. The so-called dates of service are from XX/XX/XXXX-XX/XX/XXXX This company continues to ruin my credit standing and arbitrarily post and file reports on my credit reports. This company should not have access to my Social Security number in the first place. This company keeps accusing me of unpaid debt! I viewed a statement that was sent to me by Commonwealth Financial from a provider in XXXX XXXX Nevada, and this so-called original creditor is based out of XXXX XXXX Nevada! All previous allegations by this company have been removed ; nevertheless, they continue to erroneously post alleged debts! I need this resolved immediately!
|
| 09/13/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and I have yet to receive a response. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated respond within the statutory time limit.
Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission.
According to the Fair Credit Reporting Act, you have the right to report any mistakes to the agency that supplied the report that contains the false information, and that agency is required to look into the mistake. Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws. Should you continue to attempt to collect this debt without validation, I have the right to sue you in small claims court and subject you to a fine of {$1000.00} per violation, as well as my attorney fees and court costs as damages.
In addition, I would like to remind you that you are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus.
I have requested a dispute with all XXXX bureaus and their response was Account information was disputed by the consumer, and meets FCRA requirements. On another note this is not my account it belongs to someone else so now this goes into a HIPPA situation correct? Incorrect personal identifying information this is when the name and address given to a creditor belongs to someone else.
|
| 04/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/XXXX CommonWealth Financial Systems presented me with a letter via mail, about a debt in the amount of {$270.00} for a medical debt with the original creditor being XXXX XXXX XXXX, original acc # **********-****XXXX. They advised me that my account had been placed with them for collection and to remit payment. I remitted a payment in the amount of {$190.00}, a discounted amount offered in the letter to resolve this account. A account that had been held by XXXX XXXX XXXX ( XXXX ), a debt collection agency. However, Account Resolution Services was contacted after this was paid through XXXXommonWealth Financial Systems ( paid on XX/XX/XXXX ), and they disclosed that this particular account, On XX/XX/XXXX, the business XXXX, provided the following information : " We have reviewed our records in this matter, and find the following. XXXX XXXX XXXX XXXX has had three accounts placed with us by our client, XXXX XXXX XXXX, XXXX. XXXX number XXXX for a balance of {$240.00} and reference number XXXX for a balance of {$270.00} were recalled from our office by our client, those accounts were deleted from the consumer 's credit report at the time of closure. Our office does still have one active account for the consumer. Reference number XXXX for a balance of {$260.00} for services rendered on XX/XX/XXXX remains with us. '' Thus, I was contacted by CommonWealth Financial Systems fraudulently, in a successful attempt ( as I paid what they asked ) to collect on debt that no longer existed. I reached out to CommonWealth Financial Systems and was sent a letter by them, showing they had been paid, and this debt was no longer due. I would like to report this company for their fraud.
|
| 05/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX I contacted XXXX because they had contacted an out of state family member saying they were going to put a lien on me ( this person was XXXX unknown last name ) I called XXXX XXXX pm ) and spoke to an individual named XXXX who said he was from commonwealth law firm and very aggressively told me that this was for a XXXX XXXX XXXX from XXXX and as I asked for a validation of debt letter or any communication at all because I advised him I had not received anything in the mail, he said if I send you something in the mail its going to be a summons to court. So I advised that I would look into this and contact him tomorrow ( XX/XX/XXXX ) between XXXX and XXXX pm. I used the time after the phone call to check my credit reports and did not see this anywhere. This creditors name was previously on my credit report but I disputed it in XX/XX/XXXX because again I do not know of this debt. It as removed from my credit report as I assume it could not be validated with them either. So on XX/XX/XXXX I called this number back ( XXXX am ) and spoke to XXXX and again explained that someone called and I wanted a validation of debt letter sent to me according to the fair debt colllection practices act, he then said he would transfer me to who I spoke to yesterday and I said to confirm youre not going to send me a letter with this information. He said we will just take you to court and show you documents then, then transferred me in the middle of talking to a voicemail. ( Since TN is a one party consent state I did record this call ). I believe this to be a scam and even if its not if I did owe a debt from XXXX it would be past the XXXX of limitations, which is 6 years in TN.
|
| 06/29/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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In the last two months, I have tried to dispute a debt that popped up out of nowhere on my credit report. The first notification was from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX representing XXXX XXXX for the amount of XXXX. Which I dont dispute owing XXXX XXXX. The second account that popped up was from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX for XXXX and it says the original company is Tire Agent. I have tried to dispute this multiple times because Im being charged the same debt twice. Each time it comes back that the amount is accurate, when Im fact it is but I only owe the debt once. So today XX/XX/29 I tried to reach out to leafy financial and got a cellphone voicemail. So I then reached out to commonwealth financial and spoke to a supervisor by the name of XXXX XXXX who informed me that XXXX XXXX was the client they were representing. I asked him if that was the case then why is this debt being reported twice on my credit report, and when I disputed it you didnt clear it up with the credit bureau XXXX I requested something in writing stating that they Commonwealth were in fact representing XXXX XXXX and he told me he couldnt send me anything in writing. He could only send me what I owned commonwealth. I then stated that that is indeed fraud if youre reporting the same debt twice under false pretenses and will not clear it up. I asked to speak to his boss and he would not let me because he was busy. I stated that I would hold and he told me I couldnt hold and he would disconnect the call. I expressed I had no problem working out a solution to pay the debt after it isnt being reported on my credit twice. He refused and hung up on me.
|
| 12/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I contacted XXXX XXXX hospital to find a reference number to a claim that they have submitted and a collections that has been sitting on my credit report. They referred me to a number to call the collections agency. The collections agency found the account however it had a difference reference ID as well as a date that didn't make sense. I was XXXX XXXX from the XXXX XXXX as a XXXX veteran JXX/XX/XXXX. The date for the visit was listed as XX/XX/XXXX however,the hospital stated that I didn't visit until XX/XX/XXXX.
Also, it stated that I saw a doctor XXXX (withholding name due to privacy) however, I just saw the same doctor 2 weeks ago (XX/XX/XXXX) and we have NEVER met prior.
No matter the situation, combat veterans are gifted with 5 years of healthcare through the VA, so I am not sure why I was charged for a visit I never had. Even if I had it, it was covered under the VA health care system. I guess I am just 1 of 17,000 veterans who were skipped over as determined by the VA Inspector General in a report published XX/XX/XXXX.
To summarize:
-If I wanted to pay the debt and have it removed, I couldn't because nobody has the account. No collections agency, no hospital, nobody.
-I was under the 5 years of health care (still am) from the VA system with the key terms being as follows:
--"Eligible combat Veterans will have free medical care and medications for any condition that may be related to their service in theater."
--"Low or no out-of-pocket costs."
In one sentence; I have a medical bill in collections that I didn't receive services for, that I can't pay and shouldn't pay under federal guidelines and I can't get it removed off my credit report.
|
| 04/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
: I have recently been informed again that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$240.00}, {$240.00}, {$240.00}, {$350.00}. I challenge the accuracy, compliance and reportability of these listings.
There are no contracts, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twice or reported wrongthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per XXXX opinion letter from XXXX XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
|
| 07/08/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
On XXXX/XXXX/XXXX I was treated at the XXXX. in XXXX XXXX. I was treated and released. I am a XXXX Veteran insured by the XXXX. Due to a glitch in the system, I did not have my ID card. Medicare paid part of the bill. I submitted the bill to the XXXX for payment. Thought it had been paid. When we went to inquire about refinancing we we told that our credit score had dropped due a collection agency named Commonwealth Financial CFSI. I was never contacted by this agency or asked to defend the charge of {$960.00}. I have been trying to get this resolved since XXXX XXXX. They have been sent numberous pieces of documentation stating that I was insured by the XXXX. My Doctor gave me a statement on a XXXX form which stated that I have been a XXXX patient since XXXX/XXXX/XXXX to present day. I sent this along with a letter and my ID card to the agency. I was told that if I gave proof of my elegibility as a Veteran that the debt would be cleared. My wife spoke with many reps there and General Manager XXXX XXXX, XXXX, XXXX XXXX, XXXX. She calls on a weekly basis, each time they say it is with client relations and call back later. In early XXXX they said it was sent back to XXXX XXXX XXXX. Call again for status. They had not heard back. Today XXXX/XXXX/XXXX over XXXX later, she is informed that the account is on hold for 60 days and that XXXX XXXX XXXX is rebilling the XXXX XXXX. This is a clear violation of my right as a Veteran who has served his country and always enjoyed excellent credit. This bill is not my responsibility. Please help get this issue resolved so that we can get our credit score where it should be. This is not way to treat a Veteran Thank you
|
| 01/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( COMMONWEALTH FINANCIAL SYSTEMS ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( COMMONWEALTH FINANCIAL SYSTEMS ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethic 's violations.
|
| 10/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Hi and How are you? I was looking through my credit report this evening and noticed that there were new collection reported on my profile. I randomly called the company and talked to XXXX at Commonwealth Financial system. And he said that it's a medical bill that came from XXXX XXXX XXXX which came from XXXX XXXXXXXX XXXX. I'm completely confused because I never received any notices from any one of these companies and therefore, I need this removed due to FCRA and FDCPA violations.
I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 06/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX two items showed up on my credit report that were the same alleged debt, with the same amounts and from the same company. The items were from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, with the account number XXXX. I Disputed this item as soon as it arrived on my credit on XX/XX/XXXX with both the debt collection agency and XXXX XXXX XXXX ( the original creditor ), however the company put in the entry that the start date was XX/XX/XXXX. This item did not show up until XX/XX/XXXX on my credit report ( XXXX ). XXXX then removed one of the duplicate entries but did not remove the second one. I disputed the second one through XXXX directly, and also disputed it through XXXX as it shows up on that bureau as well. They stated this alleged debt was shown to be valid, although the original creditor had a false address attached to it and I disputed it based on not obtaining services through the original creditor, which I did not receive services from. Furthermore, this alleged debt originated in XX/XX/XXXX and is time barred. Despite all of this, XXXX and XXXX upheld the entry and allowed it to remain on my credit report. I have already disputed this debt through the proper channels, and one of the entries was already removed. I am requesting this other entry be removed from my credit report and to not be contacted in any way about this alleged debt from anyone. To be clear, I dispute this alleged debt and I do not owe this debt. I have not obtained services from XXXX XXXX XXXX, and attempted to prove that by the fact they had an address on file I never resided in. Furthermore, this is time barred. Please correct this. Thank you.
|
| 04/16/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
On XX/XX/2022, I received a letter from Commonwealth Financial Systems. This letter shows it was dated XX/XX/2022. This letter informed me they were attempting to collect a medical debt on behalf of XXXX XXXX XXXX, whom I had already disputed this debt with but never received any valid proof of in accordance to the New Regulation F.
Upon receipt of this letter from this new agency, I sent a dispute via certified mail on XX/XX/2022 which shows a confirmed delivery of XX/XX/2022. When I woke up today - XX/XX/XXXX - I received a notification from my credit bureaus stating a new collection account was added to my report yesterday, and my score dropped XXXX POINTS!
I NEVER received any sort of valid proof- as requested - about this debt nor did this company wait any " reasonable '' amount of time before adding this account to my major credit reports, causing detriment to my name. They waited ONE WEEK before reporting this, on the day my response shows delivered. I responded 3 days after I received this in my mailbox. This is not reasonable whatsoever. In my attempt to call them with a request to remove this from my report, they refused. They advised they mailed me a letter XX/XX/XXXX and had waited a " sufficient '' amount of time. They're in PA and I'm in TX. It is obvious time needs to be accounted for when waiting for a consumer to receive notice and respond regarding an alleged debt.
What is the purpose of passing federal regulations if they are not going to be followed? I respectfully request you look into this matter and hold Commonwealth Financial Systems accountable for violation of 12 CFR Part 1006 ( a ) ( 1 ) ( ii ) ( Regulation F ).
|
| 04/07/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Upon checking my yearly credit report, I noticed XXXX collection accounts that were being reported by Commonwealth Financial Systems. I sent a letter to Commonwealth Financial advising them I have no knowledge of these alleged debts and I would like to be able to validate them. I received a letter back stating they were n't able to locate an account based on the information I provided in my letter. I was able to locate account numbers for these debts on my credit report so I sent them another letter listing those account numbers, in response. 10 days after I sent my second letter ( including account numbers ) I received a letter from this collection agency attempting to collect payment on these alleged debts. The letter I received states that these accounts have been placed with this agency and I would need to notify their office within 30 days if I would like to dispute the validity of these debts otherwise they will assume these debts are valid. Before I saw these collections listed on my credit report I had never heard of Commonwealth Financial Systems and I had never had any communications with them. At this point, it has been well over 30 days since I sent my first letter requesting validation on these alleged debts and to this day I have not received anything to validate them ; however, they have started sending me letters attempting to collect on these debts and that only started after I asked for validation. I have no information on these debts other than what is reporting on my credit report and even though I have n't been allowed to verify these debts are valid they are still reporting and damaging my reputation and credit worthiness.
|
| 09/22/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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requested back up for debt commonwealth stating that I owe. ( my original letter attached ) this is the 2nd complaint I have filed and no results from company they sent a 1 page letter ( attached ) there is NO Back up Here is the response they sent thru your website and now it was closed out.
I WILLNOT CALL TO DISCUSS INFORMATION WITH COMPANY I WANT DETAILED BACK UP TO SHOW DETAILED INFORMATION ON THIS DEBT all you get is the run around responded Status Company responded on X/X/2017Response TypeClosed with explanation Company 's Response RE # XXXX {$180.00} To Whom It May Concern : This letter is confirmation that a complaint was received from your office on behalf of XXXX XXXX, Please be advised there is no documentation on the above account that the attached letter was received. Commonwealth Financial Systems will send XXXX validation of debt. Collection activity will cease while the account undergoes investigation and in addition our agency will send a deletion request to the three major credit reporting agencies. XXXX can contact our office should she have any questions by calling our toll free number XXXX ext XXXX. This extension will put her directly with our collection manager, XXXX XXXX XXXX. She can send any correspondence that may prove that she is not responsible for this debt to our office by mail XXXX XXXX XXXX XXXX XXXX, PA XXXX, fax { XXXX } XXXX, or email XXXXXXXXXXXX. Please do not hesitate to contact my office for further assistance. Thank You. Sincerely, XXXX XXXX Client Services This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
|
| 02/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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This company Liscense was REVOKED/VOIDED in XXXX, ( SEE ATTACHMENT ) which meant they had no right to attempt to collect a debt, call, harass or send a letter to me or anyone else. I have done more investigation and this ALLEGED debt suppose to have come from XXXX WHICH IS NOT MINE AND I HAVE NEVER HEARD ABOUT owing A Medical place/ hospital or doctor for this. They been harassing me EVEN WHILE THEIR LICENSE WAS REVOKED, Yet reporting this to my report in XXXX ONCE THEIR LICENSE WAS REISSUED. The last person to respon made it seem as if XXXX is the first time they reached out to me to try to cover their XXXX, THAT IS A LIE! This company has also been know to lie about willing to remove things then add them back months later. I will continue to investigate, and report this company anyway I can. AS i stated in my first complain I HAVE NEVER RECEIVD ANYTHING FROM A DOCTOR OFFICE, HOSPITAL OR ANYTHING SAYING I OWED THEM {$67.00} they are fraudulently reporting accounts that does not belong to people to collect money. The account does not belong to me. I called commonwealth and they advised me of the alleged company that reported this, I called that company and they informed me that they do not have any accounts past due or current, also even if an account was sent to collections it would still show in their system. WHICH PROVES THAT COMPANY NEVER SENT ME ANYTHING SAYING I OWE THEM! This should not be on my report, and should be removed! Commonwealth Financial DID not HAVE A LICENSE in the state of Florida IN XXXX TO COLLECT. Please look into this company their reviews by thousands of people they are committing fraud against. SEE ATTACHMENT!
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| 07/26/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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On XXXX/XXXX/XXXX I returned a call to a number that I did n't know and the lady identified herself as an agent for " Commonwealth '' ( XXXX ). The lady had some of my information and some old information. She stated that I owed on a debt and that I had 72 hours in order to either make some kind of settlement or pay a large amount or they would start the procedures to garnish my wages. I asked her for something in writing verifying this loan was mine. She told me that she could not and would not do this because I only had 72 hours to resolve this or they would garnish my wages and issue liens. I told her that I knew my rights and that they must provide me with some sort of verification and I had 30 days to either verify or dispute. I gave her my current address so that she could sent me verification. She started arguing with me and said that she would n't send me anything and that the case would be sent to litigation. I called back several times, was told that the case was flagged for litigation, trying to see what the name of the company was that they said I owed. On the XXXX call I was transferred to someone I think they said was a manager and he told me it was a debt from XXXX and gave me the name of the credit card. First he offered me a payment plan to hold the account for a little over {$1000.00} by Wednesday XXXX XXXX/XXXX/XXXX XXXX and then when I told him I could n't he said he would give me to Friday ( XXXX/XXXX/XXXX ) and we hung up. Thinking this was some kind of phishing scam I looked them up on the internet and have found several people who have gotten the exact same speech and that if you call back you get a scare tactic.
|
| 05/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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This is the 3rd time I have filed a complaint over this account that was with another company. Please delete this fraudulent account from my credit report from COMMONWEALTH FINANCIAL {$810.00}. I will file a LAW SUIT if they do not remove my name and personal information from their ( COMMONWEALTH FINANCIAL ) database. COMMONWEALTH FINANCIAL was required to notify me no later than 30 days after furnishing the negative ZOMIE account information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, COMMONWEALTH FINANCIAL failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) COMMONWEALTH FINANCIAL failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation COMMONWEALTH FINANCIAL is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where COMMONWEALTH FINANCIAL is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.COMMONWEALTH FINANCIAL has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
|
| 01/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I have recently disputed several accounts ( see attached documentation ) that Commonwealth Financial Systems , Inc. is continuing to reflect on my credit reports. On XX/XX/XXXX, I submitted a complaint to your bureau ( see attached documentation ) regarding the reportings of this company. My case was closed due to their response. After this complaint was filed, I received documentation from them dated XX/XX/XXXX ( see attached ). This documentation DOES NOT SUBSTANTIATE ANY ACCURATE REPORTINGS.
In my previous requests, I specifically asked Commonwealth to provide me with copies of any papers that show I agreed to pay what they say I allegedly owe them that bore my signature. The paperwork they sent does not reflect my signature on anything. I also asked for copies of all documents sent to me regarding this account. Again, to no avail. The statements sent are dated for XX/XX/XXXX ; however, their letter is dated XX/XX/XXXX. How then are they providing accurate information that is verifiable. Lastly, I requested that they as a 3rd party collection company, prove that the statute of limitations has not expired on the accounts ; again, they sent nothing to prove this. I am requesting as well a copy of any documentation this company has with my signature whereby I granted XXXX XXXX XXXX to share any of my personal information or records with this company if I am indeed the owner of these alleged accounts.
It is apparent that this company is not able to produce any supporting documentation that meets the criteria for reporting entries per Fair Debt Collections Practices Act.
DELETE these erroneous accounts from my reports.
|
| 03/18/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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Commonwealth Financial Systems has yet again placed an unsubstantiated collection on my credit reports in the amount of {$57.00}. This is the fifth time that this fraudulent account has appeared on my credit reports and the third time that Commonwealth Financial Systems has reported this false information. Each time they change the account number reported to the credit bureaus. I have proof of sending certified letters to Commonwealth Financial Systems denying their allegations and requesting evidence of their claim. In all cases, Commonwealth Financial Systems ignored my letters and has refused to provide evidence of their claim. This fraudulent collection was reported in the past by other collection agencies as well. XXXX XXXX XXXX, XXXX & Northeast Credit have also reported this false collection in the past. It took assistance from the Attorney General 's office to get them removed from my reports. The credit bureaus have also removed this false collection placed by Commonwealth from my report multiple times. I have kept all correspondence from my complaints and evidence of my complaints with the Attorney General as well as credit reports showing that this fraudulent account was previously deleted multiple times. I have had to place a fraud alert on my credit reports because this continues to occur. It is horrifying to see that Commonwealth has over XXXX complaints with the CFPB. I have filed new complaints with the Attorney General of Texas as well as the PA Attorney General. It is my prayer that the CFPB will take action against Commonwealth Financial Systems to stop their continued abusive and illegal behavior.
|
| 03/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hello CFPB, I am sure you guys understand the tough situation we are all going though right now, last week we were doing totally fine, 2020 was looking good to me but this week everything changed for the worse. This week I lost my job due to the corona virus issue.
My employer told me to go apply for unemployment, but unfortunately the benefit wont be enough to cover my monthly expenses.I am stressed, overwhelmed, don't know how I am going to feed my family for the next weeks/months. I don't know what to do.
I decided to check my credit this week to see my credit lines and see if I can depend on the money if we get to an extreme situation.
I was heartbroken to see that there was a collection account from a Commonwealth Finance for {$920.00}, I do not understand where is that account coming from, I have been working so hard for the past 5 years to build my credit, always make payments on time, always pay my bill, I have never missed one single payment ever before, seeing that collection made feel hopeless, so much work to build my credit just to be destroyed by a collection account like that, XXXX!! my self esteem is to the ground, everyday things continue to get worse.
I am reaching out to you guys to help me remove that account off my credit and help me take some weight off my shoulders, I am praying for things to be better, but for some reason they continue to get worse, the past few days have being the worse days of my entire life.
I am looking for some time of positive news on my life right now, something that will show me that things are getting better, I do not want to continue to feel hopeless.
Thanks
|
| 01/17/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This agency is attempting to collect a debt from me for a debt I do not owe, but more troubling is the fact that this agency in not licensed by the Arkansas State Board of Collections to conduct the business of a collection agency within the state of Arkansas.
This agency is communicating with me, while not being licensed, via my credit reports.
XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) ( " Reporting to credit bureaus is a communication within the FDCPA ) ) ; XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) ( " rejecting the argument that reporting to the credit bureau was not a communication to the consumer and was not debt collection activity '' ) ) ; and, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) ( " The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is one of the most commonly-used arrows in the debt collector 's quiver '' ) ).
This agency is violating the FDCPA which are per se violations of the Arkansas Fair Debt Collection Practices Act, The Arkansas Collection Agency Act, and the Arkansas Deceptive Trade Practices Act.
This agency also did not send me my right to dispute this debt, prior to entering this debt on my credit reports, which I do not owe.
I can only assume that because they are not licensed to collect in my state, they incorrectly thought they could violate my rights by only reporting to my credit.
This agency has violated numerous provisions of the FDCPA and Arkansas State Law, and should be brought to justice by your agency.
Thank You
|
| 09/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
This agency started contacting me on XX/XX/2022 and haven't seem to stop calling me. I do not owe a debt! Commonwealth financial is a violation of the law. In code 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same.
Telling a third party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody elses business.
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Sincerely, XXXX XXXX
|
| 04/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
As of XX/XX/2019, I, XXXX XXXX, received false information from XXXX XXXX XXXX/Compliance Admin CWF through the CFPB portal response from previous complaint XXXX. She stated that she sent a Validation letter in response admitting that she received it on XX/XX/19. I have yet to receive any documentation from her office. Also, the date noted above show that it is past the 30 day time period which may be another violation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given her way more than 30 days to remedy the situation, which is a very reasonable period. I have received no reply from her, though I did send confirmation via certified mail # XXXX XXXX XXXX XXXX XXXX that her office did receive my letter on XX/XX/2019 at XXXX XXXX. As of XX/XX/19 the agency, has failed to respond in a timely and a 30-day non-response letter will be sent.
Secondly, even if she may have sent a request to deletion of the tradelines from all credit reporting agencies pending investigation, by law she would have to respond to the consumer which is me, XXXX XXXX, and have yet to received any of this documentation as well.
Because I have not received any validation letter as she misstated, the agency may be in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from her agency by filing a claim in small claims court. I intend to follow up if I do not hear back from you within 15 days.
If possible can she please explain the reason as to why she stated she sent a validation letter when in fact she did not.
|
| 12/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I went to XXXX Hospital XXXX. At the time of this visit, I was an employee of the Hospital System. I carried the employer sponsored insurance plan as my primary insurance as well as Florida State XXXX. When asked, I presented both insurance cards to the hospital 's registration representative for billing purposes. I also presented, by State ID & signed authorization 's to treat & bill my insurance. My primary insurance, the employer sponsored, paid {$0.00} & applied {$810.00} to my in network deductible, which left {$810.00} left payable by my secondary insurance, Florida XXXX. The hospital never billed my secondary insurance, instead they billed me the patient, but never actually sent out a bill. I was able to verify this information because I worked in the patient accounting department, doing the insurance billing & collections. My account was outsourced to a third party agency, by the name of Common Wealth Financial, under account # XXXX. I made contact with Common Wealth Financial in XX/XX/XXXX, I advised email to proof that I was covered under Florida XXXX on the date of service mentioned above. In XX/XX/XXXX this item was removed from my credit report, along with account # XXXX, collection account for Date of Service XX/XX/XXXX for {$210.00}. Sometime between today and XX/XX/XXXX, both balances were reported back to XXXX, XXXX & XXXX. I made contact with Common Wealth today, XX/XX/XXXX & was advised this information was not be reported to the credit reporting agencies mentioned previously. In additional, Common Wealth Financial was unwillingly to investigate and/or resolve the issue.
|
| 03/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
CommonWealth Finance added ( 1 ) collection to my credit reports without my knowledge! I checked & can't verify their registration in Florida! BOTH are FDCPA violations! CommonWealth Finance put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the FL Secretary of State that they are registered in Florida which is also against the FDCPA! I had requested that CommonWealth Finance verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. CommonWealth Finance also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law i contacted them and they told me they do not by law have to give me the information I requested which they stated when asked about who's name it's in its not even my bill but because that person is on my insurance they could put it on MY credit report which is illegal and that they are allowed to put it on my credit before contacting me
|
| 07/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Commonwealth Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Original Creditor : XXXX XXXX XXXX Amount : {$530.00} RE : Dispute Result # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX To whom it may concern : We have disputed the inaccurate reporting of the referenced account on four ( 4 ) separate occasions, however, have had no correction to my credit reporting.
We contacted the Commonwealth Financial Services , XXXX ( " CFS '' ) on XX/XX/XXXX to discuss the account, which was paid in full on XXXX. They indicated that they could not prove that my payment was for the bill in question.
We then contacted the original creditor, XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX. The account was located and noted that it had been paid and should have been closed. XXXX sent an email to the XXXX in house collection agency, XXXX XXXX XXXX to indicate that the account was paid and closed. XXXX sent us a screen shot of our account which indicated the account was paid on XXXX.
We were transferred to another department at XXXX XXXX XXXX on XX/XX/XXXX and discussed the matter again in detail with another representative. The representative confirmed the account had been paid and said she would contact CFS to have the inaccurate information removed from my credit report.
After several months of contacting both XXXX and CFS we have had no change in my credit report. We discussed the matter in detail with CFS ( " XXXX '' ) who indicated the report would be corrected. To date the inaccurate reporting remains on my credit report.
|
| 08/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
We recently applied for credit and discovered, to our surprise, that Commonwealth Financial Systems, Inc listed the following debt on XXXX : MEDICAL XXXX Collector : MEDICAL Account Number : XXXX Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$50.00} Date of Status : XX/XX/XXXX Status : Closed There are several concerns regarding this debt : - First and foremost, I have full medical insurance coverage and this debt could not have possibly have been incurred in XX/XX/XXXX.
- I recall having seen a collection of {$50.00} previously on my XXXX Credit Report but under a XX/XX/XXXX date and XXXX deleted the debt. However, it appears to resuscitate and is reposted again and again on my credit report ; each time under different Collection Agencies.
- I 've been receiving numerous phone calls on my home phone and recently received one on my cell phone whereby the woman did not identify herself nor her organization and just said, " Hold on please, I 'm going to transfer your call to the person who called you ''.
The Fair Debt Collection Practices Act specifies that debt collectors can not : conceal his or her identity on the phone.
- The Statute of Limitations for a contracted debt in the state of Florida is five years.
- I have received a letter attempting to validate the debt and have responded accordingly. See attachment.
- I reviewed experiences that others have had with this company on the internet and they appear to be a nightmare. I fear that my letter of denial and request for verification of debt will be ignored and I will continue to receive calls and correspondence.
|
| 07/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
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I currently have illegitimate collections debt on my credit report and would like to fix it.
The first is from XX/XX/XXXX for {$1100.00}. My ex-wife hurt herself in the gym, and the insurance company requested a statement that she was not a victim of domestic abuse. She provided the statement, but the hospital did not return it to the insurance company. When they tried ( years later ) the insurance denied the payment because of the age of it, and it was sent to collections.
The second is from XX/XX/XXXX for {$780.00} for my son. However, because of my sons XXXX he has been covered by both my insurance, and state insurance his entire life. There is no legitimate reason he should have an outstanding medical bill.
When I called XXXX XXXX ( the originator of both debts ) a few weeks ago, they had no information about them and told me to call the physicians group. When I called them, they had no record and said they do not even use the debt collectors listed on my credit report. When I called XXXX XXXX back, they still had no record and promised to figure it out and call me back the following Monday. The following Friday I called them since I had not heard anything, and was hung up on multiple times.
In addition, each debt is showing on my report twice each for a total of four accounts in collections. A few weeks ago I disputed all four debts, and all four just came back as valid. The accounts did not appear on my report until XXXX XXXX, after the statue of limitations was already past, and now it is being double reported with absolutely no help from either debt collector, or XXXX XXXX.
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| 04/05/2019 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On or around XX/XX/2019, I received an alert from the credit bureaus that two collection accounts hit my reports. Upon investigation, I found that the debt was medical bills accrued over four years ago. However, during that time I was insured and had no knowledge of this debt up until now. I contacted the state of Maryland but due to the time lapse, they could not cover this debt and instead provided me with a document showing that I was covered during the time of service. I forwarded this information to the debt collection agency, Commonwealth Financial Systems, immediately after. I was told by a representative that it would be notated and to give it a few days for this to report to the bureaus for removal of these negative items. Weeks later, nothing has happened in my case and Im given no status updates from the collection agency. I was told today ( XX/XX/2019 ) that it could take up to another month before these items would be removed. I was made aware that this same agency had no control over this, as they are representing another collection agency making them the third party collector. When asked to provide information for the agency in which they represent for further investigation, I was declined by representative stating that they could not provide that information. I am a bit leary that this company has information on me, yet, I cant have any knowledge of who they are. Im continuously getting alerts that this third party collection agency is flagging these debts as collections, further damaging my credit, Im looking to have this reported immediately to the bureaus for removal.
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| 03/09/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I saw this doctor in XX/XX/2011.My bill was paid in full. Now, six years later wtih no subsequent communication from the doctor this collection agency claims I OWE this bill. I asked for an itemized bill and clearly protested this bill saying I did not owe this money. They sent me a letter and " itemized '' bill. The bill is not on any letterhead that says where it is from. It says the amount is {$190.00} but at the bottom it says NO CURRENT PATIENT LIABILITY.
The attached letter from the collection agency says the bill does not reflect my current charges and says the amount owed is XXXX. The letter also contains the following statement- '' the amount owed on the enclosed bill shows XXXX because your account has been charged off as a delinquent account. This does not mean that the amounts charged are not due, or that you have a XXXX balance. The amout due is reflected above in the current balance. This statement may not refect payments made either by you or any insurance comany after the service date. '' I do not owe the {$83.00} that Commonwealth Financial Systems says I owe. My credit report reflectss my 100 % ON TIME bill payment. They did not include anything from the physicians office with identifiers saying I owe this money. The bill they provided says clearly PATIENT HAS NO CURRENT LIABILITY.
I am in the process of purchasing a home and this showed up on one of the credit reporiting agencies.
They refuse to discuss this with me and will not listen when I tried to explain what the letter says. They say I owe this when I have nothing other than a letter from them saying I do.
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| 03/27/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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1. Hospital visit XXXX XXXX. My employer provides health care at 100 %. My Health Insurance company is XXXX3. XXXX paid the medical billsXXXX. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor.
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency.
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company.
8. The item is removed from my credit report.
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report.
Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor.
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago.
My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report.
I need your help to stop this once and for all.
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| 05/19/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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1. Hospital visit XXXX XX/XX/XXXX2. My employer provides health care at 100 %. My XXXX XXXX company is XXXX3. XXXX paid the medical bills5. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor.
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency.
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company.
8. The item is removed from my credit report.
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report.
Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor.
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago.
My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report.
I need your help to stop this once and for all.
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| 03/16/2023 |
No |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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SINCE WE made contact, I spoke with XXXX at common wealth aka debt collector in Texas. I told them exactly how and why I'm being charged for a {$45.00} x-ray and not XXXX XXXX. Anyway where the XXXX did common wealth or whoever before them made a {$45.00} x-ray could cost so much?! I explained to XXXX that I'll pay the owed debt of {$45.00} dollars for the x-ray and offered to go ahead and pay XXXXXXXX XXXX and call it even. We refused many times for showing me to make a payment. He continued refusing my requests replying with I can only pay the full amount that's it, no questions asked, no answered questions. There way or the highway. I offered to pay the original owed debt that doesn't even belong to be. And pay extra on top of the owed debt that doesn't even belong to me from the beginning.
Thank you for the help of these corruption medical/credit industries, theft, fraud, identity scams PREVIOUSLY SENT TO YOU I was under the authority of XXXX XXXX sheriff 's department I was XXXXXXXX and under their supervision I denied Medical Services numerous times and against my will they forced me XXXX me took me to the hospital ran a bunch of x-rays on me claiming my bones were broke in which they were not and now they're trying to make me pay for it I don't think so they need to go after XXXX XXXX like I've stayed in multiple times under multiple disputes that I am not responsible for any of that after time and time again I refused everything and I'm tired of the harassing voicemails calls during work Church all hours of the day and night I'm just fed up and you guys are my final hope!
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| 02/18/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I filed a complaint ( Number : XXXX ) with thd cfpb on XX/XX/18 regarding two collections accounts being placed on my credit report on in the amount of {$500.00} each by Commonwealth Financial Systems.
Commonwealth Financial responded to this complaint on XX/XX/18 stating that they would remove the collections account from all the reports of all three major credit bureaus. However, the company has failed to honor their statements made to the cfpb. As of today, the two collections accounts for {$500.00} each STILL remain on my credit report.
Furthermore, the company sent the initial debt collection letters to me on a letter dated XX/XX/18. One day later, XX/XX/18 this company added these collection accounts to my credit reports. I had not even received their initial debt collection letter before they put these collection accounts on my report. They did not allow me the opportunity to even dispute the debts in writing prior to adding these negative remarks to my account. These debts do not belong to me. I have since disputed these accounts that do not belong to me in writing.
The company has in return sent me an itemized statement created by them showing these debts that I do not owe. The itemized statement did not come from the alleged original debtor ( XXXX XXXX XXXX ). I request a full investigation into this company as well as their predatory debt collection tactics. I have contacted XXXX XXXX XXXX directly in person and they do NOT have record record of these debts that Commonewealth states that I owe. I am very concerned about this company and would a full investigation.
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| 08/23/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I learned recently ( by an credit score alert service ) that COMMONWEALTH FINANCIAL SYSTEMS has entered a collections account with two of the three credit bureaus, bringing my credit score down by more than 200 points ( on the one I can monitor ) I have been working very hard to get my score where it was, for this to happen all of a sudden and out of the blue.
They claim to be collecting {$1200.00} for XXXX XXXX XXXX XXXX, XXXX but I called them and after checking they assured me they have never had any account under my name. This has to be a mistake.
I have disputed this with the credit bureaus, but they haven't ruled in my favor, so I am entering this complaint. I don't recognize this debt, they claim it was originated in XXXX but I haven't gone to the doctor 's and not paid in a long time! Years.
I got sick in XXXX with XXXX XXXX syndrome and my health insurance company back then claimed it was a pre-existent condition and didn't pay any of my bills, so I had to default on my credit cards and left all my medical bills unpaid. I'm thinking this could have been originated back then, maybe, but ... I don't recognize the amount, nor the provider, and if somebody sent me to collections about this I was never notified or given the chance to work something out before they did it.
I researched this debt collector and they have a long history of buying old debt and re-dating it to try to collect, I don't trust them one bit.
I think this is a mistake, I don't owe this amount to these people, I am asking this to be erased from all my credit reports.
Thank you.
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| 06/29/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I received a notification via a credit monitoring service that an account was placed into collections in my name on XXXX credit reporting system. The original creditor was listed as XXXX XXXX XXXX Hospital XXXX XXXX XXXX, and the collection agency was listed as Commonwealth Financial Systems , Inc .
I called XXXX because the alleged debt would have been incurred six and a half years ago in XXXX 2009. I had already been advised by XXXX that my account was paid in full several years ago. When I spoke with XXXX they advised I did not owe anything and that they had not sent anything to a collections agency whether it be in the form of referral or by way of selling the debt.
I called Commonwealth to discuss why they 're attempting to collect a debt which I had never received any communication, written or verbal, about the alleged debt. Commonwealth said they purchased the debt from XXXX XXXX, and that they " were not required '' to disclose to me the original creditor ( which is an inaccurate statement ). These phone calls were recorded, so this information can be validated. They also stated they had no information on the debt and refused to speak with the billing manager at XXXX, despite my authorizing her to speak as a third party concerning my account.
I now have an account in collections on my credit report for which I was never invoiced, from nearly seven years ago. I am in the process of background and credit checks for a new job and I could lose this job opportunity as a result of this inaccurate information being reported to the credit bureaus.
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| 03/29/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was notified by XXXX this morning that I had a new collection on my account. I did not recognize this debt or the biller. It was listed as a debt I originally owed to XXXX XXXX XXXX, and the collectoin agency is COMMONWEALTH FINANCIAL SYSTEMS. I called commonwealth and tried to gather information about my debt however they would not tell me anything or any information at all without me telling them my social security number. They never not once asked me for my date of birth. I reluctantly did so and proceeded to hear things that made me very angry. They stated that the debt was for my son when i rushed him to the emergency room in XX/XX/XXXX. I DONT HAVE A SON. They never gave me the exact date of the debt but they stated it was in the amount of XXXX . They also said my birthdate was XX/XX/XXXX. For the record I am XXXX years old. I then told them that this was a false debt and I am not paying it. It does not belong to me and I need them to take it off of my report. I also asked them to show me proof of this debt. They told me the only thing I can do is call the original collector and have them remove it. I reluctantly did so. When I called XXXX XXXX XXXX billing department, they did not have any debt for XXXX $ on record. Again, Commonwealth stated that this debt was for my son whom I was financially responsible for. I am furious at this company and have read many reviews online with people who suffered similar issues with this company. I would like them to be held accountable for these fraudulent debts and this to be removed from my credit history.
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| 10/12/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been informed that negative information was reporting on my credit report by a collection agency with the name of XXXX XXXX. I contacted this company by certified mail twice to get validation of debt amount owed. this company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the XXXX that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since, this company states I owe XXXX $ but I will not pay this collection agency any type of my money without sufficient validation. I have asked this company twice to validate this debt bearing my signature or to show some type of contract I have between this company & I. It is by law by the FCRA THAT I CAN REQUEST VALIDATION AND IT MUST BE SENT TO ME. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. This company only marked my account disputed on my credit report but have failed to send me any documents of what I am asking for.
I have the right to demand to see a signed contract between, e and XXXX XXXX. If this company is hired by a 3rd party company then I request validation and NOT verification of the debt meaning a signed contract from the original company and not a itemized or generic bill. a bill is considered proof of debt, not validation.
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| 10/13/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been informed that negative information was reporting on my credit report by a collection agency with the name of XXXX XXXX. I contacted this company by certified mail twice to get validation of debt amount owed. this company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the USPSP that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since, this company states I owe XXXX $ but I will not pay this collection agency any type of my money without sufficient validation. I have asked this company twice to validate this debt bearing my signature or to show some type of contract I have between this company & I. It is by law by the FCRA THAT I CAN REQUEST VALIDATION AND IT MUST BE SENT TO ME. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. This company only marked my account disputed on my credit report but have failed to send me any documents of what I am asking for. I have the right to demand to see a signed contract between, e and XXXX XXXX. If this company is hired by a 3rd party company then I request validation and NOT verification of the debt meaning a signed contract from the original company and not a itemized or generic bill. a bill is considered proof of debt, not validation.
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| 01/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.
2. What services I am being charged for.
3. What the cost of each service I am being charged for.
Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
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| 10/10/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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Hi, I originally disputed the debt on XX/XX/2022, via mail handwritten letter. I was never notified about a debt I owed with Commonwealth Finance Account # XXXX. I asked Commonwealth fin to verify the debt and I never received a response. I included my updated mailing address in the letter to make sure Commonwealth Finance would know where to respond to my dispute. I also noticed on my credit report a few details didn't match across the credit bureaus which raised some concerns. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the letter I also asked, I am allowed under the Health Insurance Portability and Accountability ACT ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( XXXX XXXX XXXX XXXX ) for them to release my medical information to a third party. I am aware that the Hipaa does allow limited information about me but anything more is to only be revealed with patients authorization, therefore my request is twofold- validation of debt and Hipaa authorization. Please provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. This has caused my life much financial damage so if the debt isnt validated within 30 days please have it removed ASAP.
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| 11/27/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a collection letter from this company named " Commonwealth Financial '' I disputed this debt under section the " Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } ''. The company then responded providing my medical records ( showing the service that I received from the original medical facility named ( XXXX XXXX XXXX ). I've included their initial letter sent to me, my response, and their response. This company is in violation of my Hippa rights and I intend to sue for under a " Hippa Violation ''.
The original hospital will also receive a lawsuit from me because they've disclosed my personal medial record illegally. NO HIPPA SIGNATURE WAS PROVIDED BY THE collection agency.
This is also a alleged debt which happens to update the statement date illegally as well! The patient statement date showing ( XXXX ) is inaccurate. This company is illegally updating the statement date so they can illegally collect on a debt which is outside the statue of limitation 's, a Hippa violation, and inaccurately and illegally reporting FALSE statement dates. I live in XXXX, TX and my Employer can also verify I've NEVER received service on XXXX.
Reporting inaccurate service date makes this collection company in violation under " FCRA section 605 ( c ) ... ..Meaning they've re-aged a debt so the debt is inside of the statue of limitations, which is a down right LIE.
I WILL MOST DEFINITELY FILE MULTILPE LAWSUITS AGAINST THIS COMPANY SHOULD THEY NOT STOP ALL COLLECTION ACTIVITIES. AND REMOVE THIS TRADELINE FROM MY CREDIT REPORTS.
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| 07/02/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
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| 08/18/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Please see below response from Commonwealth Financial to Consumer Financial Protection Bureau. AS OF TODAY XXXX/XXXX/2016 THE DEBT IS STILL SHOWING ON MY CREDIT REPORT ALTHOUGH THE BELOW STATES THAT IT WAS REMOVED. This debt is not mine as stated in previous communication. The statements below are untrue as I had received communication prior to me filing a complaint at the same address. There was no reason anything would have been sent back to them. There whole establishment is shady at best. And the fact remains that they said they reported this debt to be removed, but it is still showing on my credit.
Response Re # XXXX To Whom It May Concern : This letter is acknowledgment that a complaint was received from your office on behalf of XXXX XXXX XXXX. Commonwealth Financial Systems received certified mail from XXXX XXXX on XX/XX/2016. XXXX XXXX disputed the claim and requested validation of debt. On XX/XX/2016 an itemized billing statement was mailed to her, however, it was returned for bad address. In addition XXXX sent notice to the XXXX major CRA 's to remove the tradeline from XXXX XXXX 's credit history in XX/XX/XXXX. Please provide an updated address so that we can resend the itemized billing statement. XXXX XXXX can reach our office at XXXX. Our fax number is XXXX.
Please feel free to contact my office should you need further assistance.
Thank You.
Sincerely, XXXX XXXX Client Relations This is 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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| 11/03/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2020 I received a notification from my credit monitoring that I had a collection added to my credit report.
I contacted the company, because I didn't receive any notices prior to this being on my credit report. I originally spoke to a manager and stated that I didn't receive any validation period to dispute the validity of the debt.
He stated that he didn't have to give any period at all. I asked my advocate XXXX XXXX, who is very familiar with FDCPA, and gave him authorization to call on my behalf.
His phone automatically records conversations since Texas is a 1 party state as per phone recording.
The manager came on at approximately XXXX seconds of the recording, she stated that they never sent any documentation to me, and their procedure is that they have to send out communication within 5 days of contact. The issue is they put a collection that is not mine on my credit report in the middle of my mortgage loan, as well as when Im being prepared for my annual review for my job. Having derogatory credit could be a potential reason my employment could be jeopardized.
This tactic can have collection agencies just put items on credit report and extort consumers like myself without any period to dispute the accuracy of the accusation and harm me financially in my case of a XXXX point drop. I have always thought after the collection agency receives the debt, a consumer has a 30 day period so in cases of mine I can send my notarized identification fraud affidavit? I believe this company is abusing collection practice.
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| 04/15/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My husband had gotten an alert on his credit score saying that it dropped by XXXX points. We looked on it and it says that 2 accounts went to collections by Commonwealth finance. The original creditor is XXXX XXXX XXXX XXXX. The amounts is for {$1300.00} and {$93.00} and were opened XX/XX/XXXX. I called the battery point services to see what this is about. The number is based in Texas but the phone number is disconnected. The address is at a local hospital here so I contacted them. The hospital said that my husband hasn't been seen since XXXX and he has now debt and nothing in collections. I called Commonwealth finance. The lady there told me that it was from a physician in XX/XX/XXXX. It supposedly went into collections in XXXX but is just now reported on his credit. The XXXX XXXX XXXX XXXX say on a website that they were established in XXXX but is listed as the original creditor on the account dating back to XXXX! He has never had a medical bill because of his insurance. We have never gotten any notification of him owing a medical bill and was never contacted. We found out because Commonwealth finance reported it to his credit. I have also read reviews of XXXX XXXX XXXX XXXX doing this to others with bogus bills. And Commonwealth finance also has bad reviews of screwing people over. Commonwealth finance did say that they will dispute it. But it won't be taken off of his credit until it is disputed with the credit companies, which I can't do because of the coronavirus. Here is the link to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/01/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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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. Wheres 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. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
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| 02/14/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To whom it may concern : I received a response in regards to a close complaint to which it has no resolved or satisfied me in any way since Commonwealth was at fault and not licensed.
To who it may concern in regards to accounts : I have opened a file to issue a complaint with the Florida office of Financial Regulations on XX/XX/XXXX at XXXX XXXX and sent in proof in regards to same day verification of license for Commonwealth Financial Systems and it was indeed inactive. I was told by them to send a complaint over to CFPB to which was done on XX/XX/XXXX at XXXX XXXX and Commonwealth was not active until XX/XX/XXXX. This false information was posted to all three of my Credit Reports since XX/XX/XXXX and from the date it was placed on collection from Commonwealth back on XX/XX/XXXX to XX/XX/XXXX Commonwealth was not ACTIVE with a valid license and per law it states for a collection agency to place a collection or retrieve payment they need to be license in the stated of Florida that has failed. The satisfaction of having the accounts temporarily deleted from my credit reports does not give me a satisfaction if COMMONWEALTH was not licensed in the state of Florida till XX/XX/XXXX. I will submit a complaint to the Federal trade commission as well as XXXX XXXX XXXX. I hope this address Commonwealth wrong doing in taking advantage of people with no license in the state of Florida. I have been submitting a paper trail file to all three complaints submitted with all dates and times of submission and responses. Thank you
|
| 02/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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For the record XXXX XXXX!! I am not Mr . XXXX!! The statement you sent me with a balance and a hospital name IS NOT VALIDATING A DEBT! HOW YOU ARE A LEGAL COMPLIANCE ADMIN AND DONT KNOW THIS??? You did not send me an itemized bill and an itemized bill is NOT A VALIDATION! This debt does not belong to me and needs to be removed! Commonwealth HAS NO VALIDATION that it does! I have a RIGHT to force this debt collector to prove sufficient validation that I owe this debt. Debt validation is MY federal right granted under the Fair Debt Collection Practices Act. If a debt collector can not verify a debt with sufficient proof they can not collect from me and can not list the debt on my credit report. I have attached what commonwealth has sent to me THIS IS PROOF COMMONWEALTH CAN NOT VALIDATE THIS DEBT, AND IT NEEDS TO BE REMOVED! Or I will take the next step to seek payment for damages and them violating the Fair Debt Collection Practices Act. I am not and will not pay this debt! AND ITEMIZED BILL IS NOT VALIDATION. WHERE IS MY SIGNATURE? ANYONE CAN TYPE UP A DEBT AND ADD A NAME AND BALANCE. Remove this from my credit as it should, or send REAL VALIDATION! I HAVE RECORD THAT YOU REPORTED THIS ON MY REPORT XX/XX/2019 I FILLED A COMPLAINT HERE XX/XX/2019 LISTING AN ADDRESS IT WAS NOT UNTIL THEN YOU SENT A LETTER, YOU SHOULD HAVE SENT THE LETTER PRIOR TO ADDING TO MY REPROT, HARASSING ME AND XXXX UP MY CREDIT FOR UNDER {$100.00} FOR SOME XXXX XXXX THAT'S NOT MINE! I WILL SEE YOU IN COURT! WHATS ATTACHED IS NOT VALIDATION!
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| 05/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I woke up this morning on XX/XX/2020 to a notification from XXXX, a company I use to monitor my credit score, that my score had changed and that a new debt had been added to my credit report. I have no knowledge of what this debt is. The number on my report doesn't match any money that I owe any company right now. I also have not received a letter or phone call by any company requesting this amount of money, nor have I received any letters or phone calls from this company ( Commonwealth Financial Systems ). I tried to call them numerous times today, and despite them being open, I was met with the same response every time saying that no one was available to take my phone call, and I was automatically hung up on each time. I had no opportunity to leave a voice mail or any other way of leaving them a message to reach back out to me to clear this up. It's completely unacceptable that I haven't received any written notice of this debt nor do I have any details as to what it could possibly be, which leads me to think that this is a fraudulent attempt to collect money I do not owe. I am especially concerned because when I googled the company, the XXXX reviews and XXXX XXXX XXXX reviews all report of the same thing happening to them finding a debt that they don't recognize on their account or that they know to not be theirs from this same company. I just want to clear this from my credit report or at the very least have clear details as to what this debt is from and why I was not reached out to about this. Thank you.
|
| 08/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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Re:Commonwealth Financial SystemsXXXX XXXX XXXX.XXXX XXXX, PA. XXXXXXXXThey have violated the Fair Debt Collection Practices Act and the Fair Debt Reporting Act and from what they told me, this is their standard business practice. I received my first notice from Commonwealth Financial Systems on or around XX/XX/2019. The letter is dated XX/XX/2019. The letter states that I have 30 days to dispute the debt and if they do not hear from me within that time, then the debt is considered valid. Well, they reported it to my credit report on XX/XX/2019 without ever giving me 30 days to dispute the debt. They have reported debt to my credit report that they have not validated. I called their office and spoke to the supervisor XXXX XXXX, and she said they report it to the credit bureau within 30 days from the time they receive the debt. This is their standard practice. She said they received the debt XX/XX/2019. I would have no way of knowing this without them mailing me a notice, which they did not bother to send until XX/XX/2019. They are reporting debt that they have stated they do not even know if it's valid. I do not even know what this debt is. She said she would remove it from my credit report for the next 30-45 days as they are working on validating the debt. They are only supposed to be reporting the debt after the consumer has been given written notice and a chance to dispute the debt. The fact that this is their standard business practice is appalling. Please look into this company. Thank you,XXXX XXXX
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| 04/14/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
|
|
Thank you for accepting my complaint. I am trying to purchase a home. In process of doing that my credit was pulled. I found out from the report that my identity was stolen as several items listed I had nothing to do with. One of the items on my credit was a medical collection from Commonwealth Financial account number XXXX for {$910.00}. It is also listed twice, same account number and same amount with XXXX. I understand that is a violation as well. Anyway, I went and filed a fraud report and mailed it to the bureaus and to Commonwealth. Commonwealth declined it. I contact them by phone and they said that quote " because you waiting 1 year to notify us, you owe the money and we will not delete the account '' then they went on to tell me that I could settle the account and they would remove it. I am very upset as I feel like this is just a tactic to con me into settling the account. I feel very strongly that since I did not do this why should I have to pay it. Also, nothing I have read says there is a time limit on ID Theft. Only reason I even knew this was on my account was because I was applying for a mortgage. Commonwealth Financial in my opinion is employing dirty unlawful tactics in order to get me to pay for something I did not do. They have received my ID theft Affidavit. I copied my police report in this complaint but not the ID Theft Report. Commonwealth has a copy though. They have also received a phone call from me. Both times I was denied, I am asking for your help to resolve this now.
|
| 03/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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This company placed a debt from XXXX on my Credit Report on or around XXXX. The only way I knew it was placed there was through monitoring of my credit report. No mailings or phone calls were sent or received at all! I immediately phoned them to tell them that this was a XXXX claim involving an Attorney. I provided the name and number of the Attorney and requested the accounts be removed from all XXXX ( 3 ) credit reporting agencies immediately! It is now XXXX/XXXX/XXXX and they still have not removed XXXX of the accounts - XXXX. In calling this morning, XXXX/XXXX/XXXX, I was given to a Supervisor, XXXX. He was rude, and told me that they did n't have to remove anything. I asked XXXX who they report to, and he advised " No one! '' I asked to be transferred to someone else, so he transferred me to an empty line which hung up on me. In calling back, I asked to speak with a Supervisor, other than XXXX, so XXXX XXXX answered the phone. He advised that he was the General Manager and would process a XXXX form to the credit bureaus and send a copy to my email. I advised him that I 've been told before by his company that this would be taken care of and it still has not! I advised XXXX XXXX that this company is hindering me from moving forward, as my credit report is marked with something that is NOT my responsibility and legally can not and should not have been placed on my report. This needs to stop immediately! There are consumers out there that should be protected from companies such as this XXXX.
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| 08/10/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American, Servicemember |
|
I am a XXXX veteran, covered by XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX and XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, the Code of Federal Regulations, Title XXXX, Part XXXX, paragraph XXXX ( d ) and XXXX XXXX and XXXX, and XXXX ( c ).
Original creditor - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX - was paid by the XXXX {$170.00} XXXX US Government Check # XXXX dated XXXX XXXX, XXXX for emergency medical services rendered to me on XXXX XXXX, XXXX. The original creditor billed the XXXX {$1300.00}. The original creditor was apparently unhappy with the amount paid as mandated by federal law using the XXXX XXXX XXXX XXXX pricer, and then perpetrated on ongoing fraudulent scheme, that continues to this day, of either selling, assigning, or otherwise engaging prohibited services of several 3rd party debt collectors/debt buyers.
Under current law established by XXXX of the United States, as published in the Code of Federal Regulations, Title XXXX, Part XXXX, paragraph XXXX ( d ) : " Payments made in accordance with this section shall constitute PAYMENT IN FULL. Accordingly, the provider or agent for the provider may not impose ANY ADDITIONAL CHARGE for any services for which payment is made by the XXXX '' You may not bill the veteran or any third party for any balance not paid by the XXXX BALANCE BILLING IS PROHIBITED.
Additionally, XXXX XXXX XXXX states " Payment by the VA on behalf of a veteran ... extinguish all liability on the part of the veteran for that emergency treatment
|
| 04/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I submitted a previous case XXXX for reference. CommonWealth Financial Systems report XXXX derogatory comments on my consumer credit profile with XXXX and XXXX. I initiated a complaint as I have never received any written or prior notification from them. CFS then responded to my complaint stating they needed an account number. As I never received a notice from them, I did not know what account number to reference. I finally received a notice dated XX/XX/XXXX, received XX/XX/XXXX stating that I owed for a medical debt in the amount of {$270.00} to the original creditor of XXXX. Since CFS refused to verify the debt, I contacted XXXX by phone and spoke to representative XXXX today, XX/XX/2017. She could not verify the account numbers provided from CFS 's notice, nor look up any outstanding debt based on my name or Social Security number.
Commonwealth Financial Systems has failed to abide by law with mandatory notices and placing the derogatory remarks on my credit profile. This complaint is to be served to them as my official request in writing to provide written verification of the debt, which includes the original creditor 's name, address, and phone number and services provided so that I might verify their claim. As I was unable to verify it over the phone provided by the actual original creditor, I am interested to see what documentation will be provided.
If supporting documentation is not sent rectifying the discrepancy above, I will add fraud to my claim when I file my lawsuit.
|
| 11/04/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
CommonWealth Financial is falsely reporting on my credit reports in the amount of {$270.00} account # XXXX and its stopping me from obtaining credit.
* Were you named on the original contract with the original creditor?
* If not, do you have a contract between your company and me, signed by both parties?
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?
Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
The Maxim of Law - Silence Equates to Acquiescence ( Agreement ) states that if you don't address even one item as requested, you agree that my statement of fact is true. It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing.
|
| 06/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am in receipt of Common Wealth Financial 's letter informing me that they are handling the collection of the account # XXXX for {$2000.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Common Wealth Financial & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Common Wealth Financial claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Common Wealth Financial continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in Common Wealth Financial letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA. Common Wealth Financial has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
|
| 05/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
To whom it may concern, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX act is to ensure & protect the privacy of patients medical healthcare data. Also. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
I have never given XXXX XXXX any written consent to report anything on my consumer report, no consent is identity theft. I have attached a copy of the law with this dispute message. Concerning the account listed below as a consumer I'm demanding a deletion of this account. I am also demanding compensation for violations of committing fraud, XXXX XXXX, FCRA, FDCPA, and for damages. I am demanding that this account is removed in less than XXXX hours please mail checks to the address listed. I am allowing XXXX calendar days for the check to be mailed out from the date this is received. The amount that I am requisition is a total and sum of {$3000.00} TWICE WHICH IS A TOTAL OF {$6000.00}. 15 USC 1640. 15 USC 1611. that is from XXXX XXXX XXXX. I am willing to settle this out of court for the exact amount of debtor collection agency. I will only allow XXXX calendar days for the check to mailed to my residence. I am not serving you but making it clear that this is an intent to sue. This is my final warning.
XXXX XXXX XXXX
|
| 08/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018 I sent certified mail letters with return receipt to the collection agency Commonwealth Financial to validate the alleged debts that were on my file. This company is attempting to collect debt on several collection accounts on my file. The accounts are as followed : Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX The company sent back the return receipt with a signature. The company failed to validate the alleged debts. It has been over 30 days and I have received no response from the company to this day. The collection agency failed to complete the Validation process. Please be advised that I am disputing these collections due to the fact that Commonwealth Financial currently does not have a valid license in the state of Missouri to collect on debts. I checked the Missouri state secretary website and the information for the company states that their license is currently Admin Dissolved - Profit according to the Missouri secretary of state.
I am requesting that you investigate this matter and delete these accounts from my file immediately. I specifically asked for a signed agreement and other supporting documentation and I have not received a response from Commonwealth Financial validating these alleged debts. They are reporting delinquent information to the credit bureaus that I am asking be deleted.They failed to validate these alleged debts. If these collections are not deleted I might sue for violation of the FDCPA.
|
| 11/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
XXXX XXXX Common Wealth Financial XXXX XXXX XXXX Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court.
To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed.
XXXX XXXX XXXX
|
| 11/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I disputed 2 accounts on my credit report with XXXX XXXX and they were deleted, however it was reinserted on my credit file The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified. the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information.
the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). The accounts in question is as followed **** Account number XXXX Common wealth fin. Account # XXXX XXXX XXXX XXXX.Also XXXX there is an account that was previously deleted and re added XXXX XXXX that I would like a certificate of accurancy.
|
| 06/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am in receipt of Common Wealth letter informing me that they are handling the collection of the account # XXXX for {$2000.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Common Wealth Financial & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Common Wealth Financial claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Common Wealth Financial continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in Common Wealth Financial letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA. Common Wealth Financial has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
|
| 05/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Recently have tried to contact collection agency regarding debt.
XX/XX/XXXX andXX/XX/XXXX certified letters asking to show me how they own debt.
Can they prove i owe it. how can this be I live in California. They were unable to validate debt except give me a bill. I've tried to dispute with credit reporting agencies. they said it was verified. that cant be because i verified by certified mail and they could not. verify debt. I sent multiple certified letters because on the 3 different reporting agencies they are showing different names and addresses it has caused a lot of confusion.
I sent a second letter asking a second time to remove if unable to verify. they refused by sending me another bill.
XX/XX/XXXX after their response I sent another letter stating if they can not validate or furnish anything then to remove debt. they refuse. I tried calling the hospital,. they will not share any information with me due to hiipa they said.
Ive tried calling them even the statute of limitations have lapsed. but still refuse they sai it starts once they post on credit report. however they have removed it then have reposted to my credit report. its a game and very aggressive tactic.. Ive called them about this. Their response was telling me that they can renew it by giving it to another company.
THEY REFUSE TO DISCLOSE ANYTHING THEY HAVE CHANGED THEIR ADDRESS THEY CHANGE THEIR NAME AND DO THIS SO PEOPLE MAY NOT DISPUTE CORRECTLY. ARE THE LAWS NOT IN PLACE PROTECT CONSUMERS?
|
| 02/22/2017 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
Hi, I have noticed on my credit score report that I have a debt under collections from a COMMONWealth Financial Systems. I have tried to contact the organization in regards to my bill that was first charged for {$170.00}. However, after seeing my credit score report it says I own {$510.00} and I have not received any letter saying why am I being charge for, who is the provider, and why I have not received any letter notification. After speaking with several representatives at Commonweath Financial System, I have been treated very rudely, unprofessional, discriminatory ( due to my english being 2nd language/the debt collector was correcting my grammar in offensive way etc. ). I have tried to understand why am I being charge the amount, and why the amount has changed. The reply from the debt collector named Mr. XXXX said : " it is a XXXX bill, you can pay me {$350.00} and we will settle with that ''. Constantly, ignoring my questions and ignoring to further explain what is going on. I asked Mr. XXXX : " This means you are requesting my credit card number right now, with all my personal information without giving me any explanation or written form? ", Mr. XXXX, replied " Yes ''. I am afraid and confused on what is going on, yet I can not get any explanation.
If this bill proves to be mine and accurate, I will do the best of my ability to take care of it. Please, provide me with an advice, suggestion, anything that can help remove this confusion.
Thank you very much!
|
| 10/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
This debt i no longer owe and was from 2015. This was settled in a vehicle accident lawsuit that my ATTORNEY was responsible for paying. I have contacted my ATTORNEY multiple times regarding this bill and he says " he will take care of it ''. I have no knowledge of any debt owed to this company and as stated all debts regarding this accident have been paid.
This attorneys office has been telling me for 5 years now the " debt has been taken care of when apparently it has not. This has been filed on my credit report before and i was able to fight to get it off with the assumption the attorney had taken care of this like he was paid and settled to do. He made way more money than i and i was rear ended and side swipped and still suffer from back pain..
This attorney recieved his money, knew about all my bills and chose not to pay this pay on his own apparently. He paid the bills and gave me my share after all expenses were paid. I had no knowledge of what or what wasn't paid he was in full control over this. I also had XXXX bills, ect which were all paid to my knowledge.
All medical expenses, bills, ect were to be paid by attorneys prior to settlement which went to mediation and was settled. Any and all medical bills not paid are the RESPONSIBILITY of XXXX XXXXXXXX XXXX XXXX and or the attorney who represented me which was XXXX XXXX.
I am not responsible for this bill.
Attorney information has been attached in attachments- please see.
XXXX XXXXXXXX XXXX XXXX
|
| 07/31/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I had to visit the emergency room at XXXX XXXX XXXX in XXXX, CA. I am a veteran and submitted my payment information to the hospital. To my knowledge, the nearest VA hospital was in XXXX, CA at the time ( a drive of 3 hours or more ). The VA subsequently paid for the hospital bill but neglected to pay the Physicians bill to XXXX XXXX XXXX XXXX. It was brought to my attention in XXXX that I still had an outstanding bill with the hospital and that it was being sent to collections. I contacted the VA concerning this issue. XXXX VA at first said the bill was already paid, but I then told them about the physicians bill. The VA then requested that the physicians group contact them. The group agreed to do so and later reported that the VA was not responding to them. I call the VA and asked them to kindly attend to the unpaid bill since it would soon affect my credit. The bill eventually went to collections due to noncooperation from the VA. Apparently that debt was bought by another collections agency because I have recently become aware that my credit was downgraded by a debt collection agency called Commonwealth Financial Systems , Inc . Unfortunately, Commonwealth Financial Systems , Inc. is using predatory practices on me to collect on a bill that belongs to the Veterans Health Administration. I am requesting that this issue be addressed. I have tried to work with the VA and have only received the run around. Assistance would be much appreciated.
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 06/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Around the beginning of XX/XX/XXXX I received a letter from Commonwealth regarding 3 medical bills dated XX/XX/XXXX in the amount of {$58.00}, XX/XX/XXXX in the amount of {$360.00}, and XX/XX/XXXX in the amount of {$110.00}. As I was unaware I had any existing medical debt and I had no knowledge of what these bills were for ( and still do not as to this day ) I requested Commonwealth send me the original bills and paperwork proving I am financially responsible for these medical bills and that they are even mine, these were from XX/XX/XXXX. Eventually Commonwealth mailed me paperwork, but the paperwork were documents they created. None of the paperwork they provided was original, anyone could have gone on a computer and created these documents. Even at the top it is there letter head. I contacted them and requested additional information as what they provided was what they created and not original bills, in fact their created documents listed insurance but there are no details providing specifically what was paid it was just some random number they created on their documents at the end what I supposedly owe. The credit collection company is refusing to provide me with original documents to show that I am in deed responsible for these so called bills. Again I can't stress enough they created their own documents to send me, nothing is original. I have attached those documents. I would like assistance with having these bills removed from all 3 credit bureaus.
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| 10/20/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was taken in an ambulance to the hospital on XX/XX/XXXX. I got a bill from the Ambulance Company, XXXX XXXX XXXX. I paid the debt off which was around {$800.00}. Then about a year later in XXXX I was sent numerous letters saying I did not pay. I went to my bank, which at the time of the event and paying off of the debt was XXXXXXXX XXXX. I was able to get a print out proof from the bank stating that I paid the debt. It was submitted and the debt was removed. Now, it is XXXX and I have since moved from the XXXX, XXXX area to XXXX XXXX. I changed banks to XXXX XXXX. Commonwealth Financial Systems has since contacted me saying I have unpaid debt for {$1100.00}. They sent me a letter at the beginning of XXXX and I contacted them to try and tell them I paid off the debt but they would not accept my reasoning. So I reported them to XXXX as fraud and XXXX removed them from my credit score. Now, on XX/XX/XXXX I have gotten another letter from Commonwealth Financial Systems saying I have unpaid debt for {$110000.00} which is fraud. Since I reported them once to XXXX, the incident is flagged for a year on my credit report and I can not report them again. The current creditor is XXXX XXXX XXXX. XXXX XXXX is listed as the collection representative. I am going to try and contact XXXXXXXX XXXX to get a copy of my financial records that says I paid the debt off in XXXX. Please help me from getting contacted again by debt collectors for debt I have already paid.
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| 03/20/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I had a collection appear on my account from a company called Commonwealth Financial. I disputed the account with the 3 major credit bureaus and they responded that the debt was verified but they did not send me anything to validate the claim of me owing this debt/company. I then wrote a letter to the collection company " Commonwealth Financial ''.
One month and 1/2 later approximately 50 days passed and they never responded to me. I then sent them a 2nd letter which included my previous letter along with the certified USPS receipt validating the date of delivery to their office. They mailed me a letter on XX/XX/2019 indicating that the debt is owed but still refused to send me any supporting documentation to prove so other than a generic print out of a hospital statement. This negligence and improper reporting on my credit report is causing me a serious hardship. My Rights as per the Fair Credit Reporting Act are being violated because Commonwealth Financial has neglected to send me physical validation of this debt as well as they totally neglected the reasonable time frame allowed to respond to my initial request for validation. This reporting is truly destroying my rating and I am requesting that it be looked into and removed from my reports as soon as possible. I appreciate your time in this matter and I would like to thank you in advance. I would love the opportunity to submit all of my correspondence that I have mentioned above.
Thank you-
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| 07/22/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
Older American, Servicemember |
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A third-party debt collection agency known as Commonwealth Financial Systems , Inc., has recently contacted me in writing XXXX and alleged a {$810.00} medical debt as due. I dispute the debt. I do n't owe the debt, and all of my medical costs have already been paid by the Department of Veterans, XXXX office.
I contacted Commonwealth Financial in writing XXXX by XXXX and XXXX. My written correspondence to Commonwealth was first on XXXX XXXX, 2015, and my XXXX on XXXX XXXX, 2015. I dispute the billing because all of my medical costs have already been paid by the Department of Veterans Affairs ( VA ) to the original creditor -- XXXX XXXX XXXX XXXX located in XXXX, WI.
I wanted Commonwealth to validate the debt, but Commonwealth is either unwilling or unable to validate the alleged debt. Worse, the collection agency, Commonwealth, mistakenly entered an adverse collections account information into my XXXX credit report about this unvalidated alleged debt. Equally important, Commonwealth entered the adverse information on XXXX XXXX XXXX, which infers there are XXXX alleged debts for the very same amount to the same creditor, instead of XXXX alleged debt. A duplicate-entry error by either Commonwealth or XXXX.
I 've initiated an on-line dispute with XXXX a few days ago, and called attention to the XXXX adverse records which are precisely XXXX and the same. XXXX has not concluded their own investigation, because it was only recently submitted by me.
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| 02/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I received a letter of a debt from Commonwealth financial systems debt collection agency with the original account being from XXXX XXXX XXXX in the amount of XXXX. On XX/XX/XXXX20 I spoke to XXXX XXXX ext. XXXX who represented himself as an account manager. I told him I have medical assistance, did not receive a bill from any XXXX XXXX XXXX network office. I asked him who the debt was for specifically, maybe my children because I have not been to the DR in years, as well as the dates of service, what the service was, who the service was with and any information to help me handle this. I need the original creditor. He said he did not have that information but would would mail what he had. I never received any letter or further phone call with any notification of this information. I currently have medical assistance through the state and I need to submit this information through them to get the any alleged debt settled. On XX/XX/XXXX20 I received notification through XXXX that this is currently on my credit report as a collection account and negatively affecting my loan options status. They did not even wait the 30 days for me to respond and request in writing that I dispute the validity before putting this on my credit report file. Upon googling this specific collection agency, it seems there are tons of negative reviews and I am afraid of how they can dramatically affect my credit score. I am attaching the first notice I ever received from them.
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| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Commonwealth has reported an account on my credit as being from XXXX. I have been disputing this account multiple times. This needs to be deleted off of my credit report. This is an old medical bill from XXXX, not XXXX as they have it listed. When this first reported, I had no idea what this was for. I never received any bills for this claim. It just showed up on my credit. Since learning of this I have investigated and disputed this matter multiple times. This was my son 's medical bill which he was covered with Georgia state Medicaid insurance during this time. I provided this proof to this collection agency. I also spoke to a Medicaid claims representative and they stated they never even received anything for a bill. The representative also stated I wouldve never been billed for this or been left responsible since he was covered by Medicaid. After one of the many times I disputed this with the credit bureaus XXXX, XXXX and XXXX and made a complaint with the CFPB, the Commonwealth rep said they needed me to verify he had the medical coverage. I have since provided this documentation to commonwealth and all 3 credit bureaus. I requested a confirmation of receipt of this email yet never received anything. They have not followed up and given me any information. I have called multiple times. Commonwealth has fraudulently reported this and not even following up with be trying to take care of this matter. Please remove this off my credit!
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| 06/05/2022 |
No |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
CommonWealth Financial ( XXXX license XXXX ) showed up on my credit report, without any notification of debt, and also without notification of my rights, and also without any furnished proof of debt pursuant to FDCPA -= Under the rules of the FDCPA, debt collectors are required to provide details about each debt they are attempting to collect by SENDING WRITTEN NOTICE with the following information : Name of the creditor Amount owed Instructions on how to repay the debt. Common Wealth Financial NEVER SENT OR SUPPLIED ANY SINGLE NOTICE regarding any debt collection attempts or purchase. Additionally the origination never sent notice of sale or transfer of the debt. They unlawfully took harmful action on my credit report for an invalid and old debt collection, while also violating FDCPA with lack of regard to the appropriate lawful procedures for debt collection. A complaint to the State Attorney General XXXX XXXX, the XXXX XXXX XXXX XXXX against Common Wealth and their decision to ignore the laws of the FDCPA has also been made. I will continue to pursue all legal force against Commonwealth for violation of my rights and damages incurred under FDCPA if they continue to report harmful information on my credit file. They are required by law to remove this information for consumer abuse with their failure to follow FDCPA. CFPB should forward this notice also for compliance and legal fines as applicable by the FTC. XXXX. XXXX XXXX XXXX XXXX
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| 10/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
|
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COMMONWEALTH FINANCIAL added 2 accounts ( XXXX and XXXX ) to my report this morning and i am livid ... ..I never received a dunning letter from this company and this was added to my report without warning ... I know my stuff and know that this is a violation of my rights..I am supposed to receive a dunning letter which i never did ... I know why they added it quickly with no notice ... .A mortgage report was pulled on XX/XX/XXXX which i was prequalified and here we are on XX/XX/XXXX with these 2 accounts added illegally. I want these removed immediately as this was a violation of my rights.
Not only is this a violation but they can not validate this debt as I have always had great medical insurance and am in the medical field and know how insurance works. At one point a collection agency by the name of XXXX XXXX owned these accounts. I asked them to validate these accounts and they absolutely could not validate them and removed them from my credit reports ... How can COMMONWEALTH FINANCIAL validate them when all that they did was purchase these debts ... they got suckered into buying these as they can not verify nor validate these debts ... .I am in the middle of purchasing and these violations are killing my score and chances ... If these are not removed immediately i will be sending this to a consumer attorney to file suit as well as contacting the state attorney general in my state and whatever state COMMONWEALTH FINANCIAL is in
|
| 08/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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3 Medical collections on my credit report without my knowledge from ( XXXX XXXX XXXX XXXX : Credit Dispute XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX )??? how? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send meALL the following documents to me. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide the following or delete from my credit report.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service
|
| 05/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Yesterday I was notified by XXXX XXXX of a new collection from Commonwealth Financial Systems for {$70.00} that hit my credit report on XX/XX/XXXX. I have never been contacted about this debt before, never received any notices that I owed anything, no notification of my right to dispute. There was no information about what it's for aside from " XXXX XXXX XXXX XXXX '', no dates for when the original bill was incurred, no proof that it was actually incurred by me, just a random collection suddenly appearing on my credit report. Who even goes to the ER and gets away with only a {$70.00} bill?! I truly believe this company just makes up debts and re-ages ancient debts that are past the statute of limitations. I disputed it with XXXX and they removed it immediately, but this is very upsetting. This company has hit my credit with multiple unproven ER bills in the past, all of which were disputed and removed, and I have an active fraud alert in place partially thanks to their antics. I have read many complaints from people stating they were hit with collections from this company after opening a XXXX XXXX credit card and I do think there is a connection. I have a bank account with XXXX XXXXXXXX and I applied for a credit card with them about a month ago, and now all of a sudden I coincidentally have a new collection from Commonwealth. Highly suspicious! I'll be closing my XXXX account too as they seem to be in bed with Commonwealth.
|
| 01/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Around XX/XX/2018 I discovered some medical debts on my credit report when I was purchasing a car. I called the XXXX XXXX XXXX Georgia who in turn stated they had not sent any debt to collections in my name. So I contacted the collection agency and informed them I had no knowledge of the debt and provided them with the information that I had received from the hospital. The collection agency 's name was XXXX XXXX who concluded that the debts were fraudulent. All three debts were removed from my credit reports due to fraud. The amounts were XXXX, XXXX, and XXXX. The collections were all removed XX/XX/2018.
I have now discovered after purchasing a credit monitoring service that another collection agency called Commonwealth Financial has placed the same collections back on my credit reports. I contacted the XXXX XXXX XXXX Georgia who stated they did not send any collections to this agency and another rep advised me this time to file a complaint and seek legal advice. I have never heard of this collection agency nor did they contact me regarding the debt, if they had they would have know that the debts are fraudulent. I am so tired of these collection agencies just placing collection on consumer reports and violating the XXXX. XXXX XXXX is clearly trying to collect on debts they do not own and clearly can not properly validate, damaging my credit as well.
I am looking into legal advise for defamation and violation of the XXXX.
|
| 08/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my credit reports. The collection agency is CFSI ( CommonWealth Finincial Systems ). The original creditor was XXXX XXXX XXXX XXXX XXXX.Request for verfication was sent to XXXX, XXXX, and XXXX. Request for verification for this was sent to the bureaus by me, on XX/XX/XXXX. On XX/XX/XXXX XXXX updated the collection as a Closed account. On XX/XX/XXXX XXXX sent notice that the company verified the account. XXXX voilated section 609 and 611 due to not conducting proper investigation and not correcting inaccurate information. The date of status on my report is XX/XX/XXXX which states on the XXXX website this is the date the creditor last update the account. When the creditor validates the account this date should be updated. The account is inaccurate due to the open date, date of service, patient name with me as guarantor. I received a letter from CFSI on XX/XX/XXXX, that shows a {$0.00} amount due, with a Patient name : XXXX XXXX XXXX. This person is not me and I have never authorized to be a Guarantor for this person. Also the date of service shows XX/XX/XXXX I was not prosiding in the state that is listed as the place of service : XXXX, FL. Lastly the debt is being addressed to XXXX XXXX XXXX, my name is XXXX XXXX XXXX. My credit history is being affected by keeping an account on my report that I am not responsible for and doesn't belong to me.
|
| 03/27/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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My complaint is with Commonwealth Financial services AKA North east credit & collections. They have reinserted into my credit file again a bill for {$88.00} from XXXX of XXXX XXXX To XXXX and XXXX . The last time they did this it was reported also to XXXX which they deleted due to lack of validation.
They are reporting this time to XXXX and XXXX. XX/XX/2014 it was deleted for failure to respond to XXXX request for validation. XXXX deleted for lack of validation in XX/XX/XXXX. In XX/XX/2014 XXXX deleted this account. I have sent certified letters to XXXX and XXXX explaining my request to remove for lack of Full validation and for reinserting this account. A certified letter was sent to Commonwealth Financial services also requesting validation and warning of reinserting this bill ( I suspect they changed account numbers to claim a new bill when in reality it is the same bill? ) They can not fully validate this account and continue to violate my credit rights by doing this. The last time this happened with them your Agency helped along with the Pennsylvania Attorney General complaint which also requested the deletion of this account. I would appreciate it if you could help me on this as I keep my credit good and will be applying for a home loan soon and do not need their nonsense on this constant issue for lack of validation. The previous CFPB complaint concerning this same company is # XXXX Thank you so much, XXXX XXXX
|
| 09/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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I have already file XXXX complaint with you guys against common wealth financial, for applying a debt to my report XXXX XXXX each time failed to provide anything proving the debt and it belongs to me so the XXXX XXXX ended with it being removed, my information has been sold now by this company to another debt agency called XXXX XXXX and XXXX, regarding XXXX XXXX XXXX, now as explained in my prior complaint it is absolutely impossible to have a medical debt under my or any of my children 's names we have all been covered under XXXX XXXX for years, now after the last complaint with you, I filed XXXX against the XXXX XXXX in XXXX XXXX regarding this debt, and that fact that even if by some far chance this is mine, thT I am more than aware that in the state of Florida if your health insurance is not accepted by a doc place or treatment you ate tho be notified immediately. I was never notified. I also after the last complaint, I also called medicade, they were unable to confirm that there was any medical bill that was unpaid by them regarding me or my children. This debt is no straight harassment as all three companies that have picked it up since XXXX are unable to provide any information, medicad says all medical and emergency isots over the last XXXX XXXX have been paid in full, I don't understand how this is legal, it is messing with my life, my credit which I need to move to a better area. This is unacceptable
|
| 05/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX XXXX , XXXX Validation of Debt letters were sent to Commonwealth Finance ( Amounts : {$1600.00}, {$150.00}, {$150.00} ) for a medical bill that I did not recognize from the XXXX , XXXX and XXXX of XXXX . I requested validation after speaking to them on XXXX XXXX at XXXX pm for XXXX minutes, XXXX seconds. During this call I requested validation of this debt due to not knowing anything about this debt. I simply requested a bill, itemized list or an invoice so I could verify if this debt belonged to me. I was told over the phone that they did not have any of that information, only a file from XXXX XXXX XXXX . This entire call was recorded by them and myself and notification was given that the call was being recorded by both parties. I asked for that file and they refused to acknowledge that it will be sent. They placed my account in dispute status and re-reported the 3 debts to the credit bureaus. I also filed a dispute with I sent a " Failure To Validate '' letter on XXXX XXXX XXXX due to Commonwealth Financial failure to send me previously requested validations of these debts. Another Validation of Debt letter was sent on XXXX XXXX XXXX regarding the other two amounts. During this entire time, Commonwealth Financial has still refused to send me any validation of these debts and according to XXXX , is still claiming that these debts are mine.
|
| 06/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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XX/XX/2012 I was in an ATV accident and went to XXXX XXXX XXXX hospital XXXX in XXXX, XXXX. After returning home almost a year later I was contacted by a collection agency that said I owed money for my medical bills. I have XXXX XXXX XXXX XXXX health insurance. The amount of one of the debts is {$690.00} and the other is {$540.00} and the collection agency said that I owed the money to XXXX which was not part of XXXX XXXX XXXX hospital. Upon finding out this information I called my health insurance agency and had a three way conversation with the collection agency and my health insurance representative, which stated that the bill was " not reported in a timely manor and the contract that XXXX has with the providers states that if the bill is not reported in a timely manor that the patient is not responsible for the bill. '' The collection agency ( commonwealth financial based out of XXXX, XXXX ) stated that they would resolve the situation and then transferred my XXXX XXXX representative to XXXX at which time the XXXX representative stated that the XXXX representative was correct and the debt would be expunged. Since then I have been contacted twice from common wealth financial trying to collect the debt and have went through the process both times again. I have just recently went to get a mortgage loan to find on my credit report that the Common wealth financial is still reporting that I have not paid this debt.
|
| 04/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/2020 CommonWealth Financial has flagged my XXXX account as Collection. CommonWealth Financial has alert XXXX that I, XXXX XXXX XXXX owe them a balance of {$65.00}. And again 0n XX/XX/2020 CommonWealth Financial alerted XXXX account of a balance of {$1300.00}. On XX/XX/2020 Commonwealth Financial flagged my XXXX account with the negative reporting with the same above balance. I went into investigating how did this collection agency or CommonWealth financial in this matter received my information from, and I found out that the original debtor is XXXX XXXX XXXX. I did looked into the doctor offices visits and any XXXX XXXX I received in XXXX and I have never been to this medical office in the past or received any XXXX XXXX at this location. Also I did not received any letters or emails from Commonwealth Financial regarding a dept that I owe, or try to reach out to me to resolve the debt issue. I have attached a copy of my report with the accounts in question circled. This false reporting has had impacted my credit score and credit report so negatively that my score went from XXXX credit score to XXXX and continue to decrease ever since. I believe that there is incorrect information that I would like to remove from my experian credit account and would like to restore my credit report and score back to normal.
there is incorrect information on your credit report that you want corrected or removed.
|
| 07/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018, I contacted the creditor and informed them that the debt did not belong to me as I was not the recipient of services, nor my child, and both my child and I were medicaid recipients during the alleged date of service. Furthermore, the address that they had on file has never been my addressed and it is where they sent all previous notifications to.
On XX/XX/18, I sent a letter to the Creditor requesting for verification and validation that the debt belonged to me, including any documentation that they have the proves that I am contractually responsible for the debt and a document bearing my name and signature. I also requested documentation evidencing that the debt was acquired by them and/or assigned to them. Additionally, since it was a medical related debt, it is customary for identification to be obtained at the time of service as well as consents to treatment. I requested them to provide such information as proof of the debt belonging to me or my child.
On or around XX/XX/2018, the Creditor sent me a copy of a bill, with nothing more to evidence that the debt legally and contractually belonged to me, nor evidence of the assignment of debt.
The amount of the debt is {$960.00} and the name of the person who received services is not me.
I also reported this item to the XXXX credit bureau and they reported it as verified as accurate, however a bill is not proof of verification of a debt.
|
| 05/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XXXX XXXX , XXXX , XXXX Validation of Debt letters were s ent to Commonwealth Finance ( Amounts : {$1600.00}, {$150.00}, {$150.00} ) for a med ical bill that I did not recognize from the XXXX , XXXX and XXXX of XXXX . I requested validation after speaking to them on XXXX XXXX at XXXX XXXX for 10 minutes, 15 seconds. During this call I requested validation of this debt due to not knowing anything about this debt. I simply requested a bill, itemized list or an invoice so I could verify if this debt belonged to me. I was told over the phone that they did not have any of that information, only a file from XXXX XXXX XXXX . This entire call was recorded by them and myself and notification was given that the call was being recorded by both parties. I asked for that file and they refused to acknowledge that it will be sent. They placed my account in dispute status and re-reported the XXXX debts to the credit bureaus. I also filed a dispute with I sent a " Failure To Validate '' letter on XXXX XXXX , XXXX due to Commonwealth Financial failure to send me pre viously requested validations of these debts. Another Validation of Debt letter was sent on XXXX XXXX , XXXX regarding the other XXXX amounts. During this entire time, Commonwealth Financial ha s still refused to send me any validation of these debts and according to XXXX is still claiming that these debts are mine.
|
| 04/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Common wealth financial have committed several federal violations against me, a Private law abiding Federally Protected Consumer.Te attachment show they created me a false account number, false open date, and false amount owed and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Common wealth financial. Common wealth financial does not have a certificate of Authority to do business in Alabama. Common wealth financial have not sent me a dunning letter but they have put a fraudulent account on my credit report.Common wealth financial do not have the authority to collect any money from me.Common wealth financial is guilty of racketeering, forgery, and obstruction of justice.Common wealth financial is in violation of the FDCPA and FCRA Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Common wealth financial, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Common wealth financial. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company 803 of fdcpa.Acccording to the FDCPA 1692H I am owed money for all violations
|
| 09/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a letter dated XXXX XXXX, XXXX from Commonwealth Financial services ( letter attached ) requesting to pay an amount of {$810.00} for XXXX XXXX XXXX ( Ambulance Fees ) date of service XXXX XXXX, XXXX, and in their letter they asked me to respond to them within 30 days if I am going to dispute this or admit to it, but on XX/XX/XXXX just for days after they have sent the letter they have reported it as a collection on my credit and this has affected my credit a lot. I have reported a dispute to 2 of the agencies and sent this company a letter of investigation. ( documents attached ).
This company did not wait for the 30 days to get my respond before reporting it as a collection that caused damage to my credit.
This fee was for an ambulance ride for about a mile distance from the hospital as I XXXX my leg in a park and my kids called for help, at that time I had XXXX XXXX XXXX that covered all treatments and should have covered this ride, and in XXXX I received a call from them or some one represent them and I gave them the Insurance details and did not hear back from them again until now.
I had medical insurance that covers this and I have provided them with the information at that time, and they could have contacted me directly if they had any issues with it, but after 3 years I find out it has been sent to collection.
I still insist that this bill was covered under my insurance at that time.
|
| 06/02/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
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Web |
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I had a medical bill that was owed from XXXX 2009 for {$540.00} to XXXX HospitalXXXX @ XXXX XXXX XXXX, XXXX XXXX TX XXXX ph # XXXX acct # XXXX. The collection agency Commonwealth Financial systems Inc ph # XXXX sent me collection letter on this. I pulled my credit to see that they had the same amt XXXX on my report. I called XXXX Hospital/ XXXX XXXX Services and the bill was due which i moved and did not get the bill. I settled the acct on XXXX for {$160.00} and paid it and told the rep that the XXXX acct they had was a dup acct and they were supposed to contact client on matter which has not been done. I called the client to find that they do not know who Commonwealth Financial systems Inc is. The client said they work with XXXX XXXX XXXX ( collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ph : XXXX and they also have the account and balance and they do not know who Commonwealth Financial systems Inc is. I called Commonwealth Financial systems Inc and spoke to the collection manager XXXX XXXX XXXX on XXXX and told her all of this and she stated that they will not call the client and that I needed to resolve this even if they have the wrong details and will not contact the client to resolve. Therefore I consider this FRAUD and they have been paid nd I have a letter from them showing it was settled for {$160.00}. I need your help in resolving this matter due to they are reporting on my credit.
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| 03/29/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
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I had XXXX or XXXX medical bills that were incorrectly billed and my XXXX payment was not noted on the hospital bills from XX/XX/XXXX they were written off in XX/XX/XXXX. All of them! Now this year I have been contacted by Commonwealth Financial Services by 3 people. I received notice of the bills from XXXX XXXX, then I was contacted by XXXX XXXX. I mailed copies of all the settled bills to XXXX XXXX on XX/XX/XXXX I never heard back from her now, I got a call from XXXX XXXX and again he is trying to collect on the same bills as XXXX and XXXX. I got Commonweath 's account numbers and mailed copies of the settled bills with each reference number on the copy around XXXX A fifth grader could easily match up and report these bills are settled. Yet when I called XXXX XXXX today after I received an letter from him trying to collect for another company he told me to disregard that and to give him 2 or 3 weeks to check on the bills that I copied and put reference numbers on.. Yet my credit report shows these collections from XX/XX/XXXX when they apparently bought my account. They are unorganized and my credit report is affected by these attempts to collect settled debts. I am XXXX years old, XXXX and live on less than {$XXXX} a month I do not drive and have to get a ride to the post office due to the rual area that I live. I can not keep mailing them copies and putting up with their interference in my life.
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| 01/24/2023 |
No |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Commonwealth Financial XXXX, located in XXXX XXXX Pennsylvania, created an account on XX/XX/XXXX, in my name, referencing a {$790.00} medical debt originated by XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the Commonwealth Financial XXXX opened a collections account, also in my name, declaring that this account was in default. This information was then sent to all three credit bureaus thereby negatively impacting my credit report. I learned of this from my identity monitoring services, even though all three credit bureaus posted the information on my report as correct. I have never received any notifications, in regards to this, from Commonwealth Financial XXXX. This alleged medical debt is six years old and is beyond Virginia 's 5 year statute of limitations. That makes this appear to be a fraudulent attempt at collecting an expired alleged medical debt. I unsuccessfully reached out to XXXX XXXX XXXX XXXX using the many different phone numbers listed for them online but they are unreachable or no longer in business. I also sent a certified dispute letter with receipt request to Commonwealth Financial XXXX. I informed them of the expired nature of the alleged medical debt, according to Virginia 's statute of limitations. I also pointed out the illegal nature of their actions and to only contact me in writing to inform me of their termination of this alleged medical debt collection attempt.
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| 07/08/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2018, I was taken to the XXXX XXXX Medical Center Hospital Emergency Room, via ambulance. I provided my valid Louisiana Driver 's license with my correct name and address, and I also provided my valid health insurance card with XXXX XXXX and XXXX XXXX of Louisiana. As of this writing, I have NEVER received an itemized statement evidencing charges by the independent contracting company for physicians ' services through the emergency room, despite many requests. Now, a credit agency has reported the debt to XXXX and greatly reduced my XXXX Score causing damage to me. I am trying to obtain a home loan and the creditor is causing great damage to me. My husband has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has about 4 months to live. The Creditor is causing a tremendous amount of stress to my husband and thereby shortening his life even more. The creditor has to date failed to provide an itemized statement and as such, as prejudiced me from controverting the charges. The creditor has to date failed to file a claim with my health insurer, thereby causing additional damages. Had the creditor adequately performed its duties and filed a claim with my health insurer IN 2018, I would have been able to pay the deductible at that time. Now, while I'm trying my best to survive on one income, with a sick husband, the Creditor files a negative credit report? It's absolutely terrible and disgusting.
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| 03/20/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was recently informed that I had been placed in collections due to medical debt by the credit bureaus. I had no knowledge of this account or this debt, nor any communication from the debt collectors in attempt to collect a debt prior to this effecting my credit. When I called the company to inquire about the collection they addressed me by two incorrect names before asking me what my name was. When I asked what the medical debt was for, they couldnt give me any info due to HIPPA laws therefore I was unable to verify the accuracy of the ownnership of this account. They did however tell me the debt originated from a hospital visit. I just had a baby in XX/XX/XXXX, and had no prior balance due to the hospital at this time. I was told by Commonwealth financial the debt is from XX/XX/XXXX and was being reopened due to unsuccessful attempts from the previous debt collector. However if I had a precious debt owed to the hospital they would have informed me at the time I was pre-registering and I would have been asked to pay the debt or at least been made aware of it. I had to pay up front for my XXXX XXXX XXXX care as a cash paying patient, ( no medical insurance ) prior to me XXXX XXXX there I as part of the hospital and attending physicians policies. I do think it is unfortunate my credit was hit without any prior knowledge of debt, and before I was able to verify this account is accurate.
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| 12/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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COMMONWEALTH FINANCIAL ( XXXX ) {$240.00} I challenge the accuracy, compliance and reportability of this listing.
There is no contract, no valid claim ... account was settled with original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) ... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow.
You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
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| 09/14/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern, The reason for my dispute is COMMONWEALTH FINANCE # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, COMMONWEALTH FINANCE # XXXX**** failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) COMMONWEALTH FINANCE # XXXX**** failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA , with {$1000.00} per violation COMMONWEALTH FINANCE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors.
FDCPA I fail to see where COMMONWEALTH FINANCE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.COMMONWEALTH FINANCE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I sent a letter out on XX/XX/XXXX to " common wealth financial systems collection agency. Heres my tracking number XXXX, However the collection agency said they completed an investigation and everything was accurate.
Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.
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| 04/17/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Commonwealth Financial Systems is currently misrepresenting themselves as owners of a debt where the original creditor was XXXX XXXX XXXX , XXXX. I have not received any verification that they own the debt nor did I receive a letter from them providing me notice providing me with 30 days to dispute the validity of the debt. I came to the knowledge of this misinformation when I requested a copy of my XXXX and XXXX credit reports. In addition, the date the account was opened and the amount owed are inaccurate as the account became delinquent in 2011 and the the original balance is inaccurate as the debt was {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from XXXX XXXX XXXX indicating that they are in possession of this debt. Further, the Fair Credit Reporting Act ( FCRA ) states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act ( FDCPA ) states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which XXXX XXXX XXXX is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.
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| 04/22/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In the previous complaint response on XX/XX/2023 Commonwealth response stated they were sold the debt XX/XX/. He informed me that on XX/XX/ they sent electronic letter with no proof of this letter being sent or to where and how being that it was electronic I would assume an email meaning I should have evidence or records of this. The letter was then reported as having no undeliverability issues which in case unless a letter legally was sent certified mail with proof of receipt then how can it be accurately determined as I received it? I never did receive a bill even still! Also, in this same message he said the letter stated how I the alleged debtor had right to dispute the collection and they monitored account for only 14 days before reporting to the credit agent. As per XXXX report, the collection was reported to my account as collection on XXXX XXXX. Per my legal rights, if I have the right to dispute charges that would entail that I legally have a right of thirty days to verify the information and documents would be accurate and respond or dispute the debt before it can be reported to a credit bureau upon confirmation of contact. Information of this is submitted in documents and needs to be removed or will take legal actions of not allowing me my right to respond or giving proof that such information im entitled to knowing about the debt was never received.
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| 04/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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To whom this may concern, OnXX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX I sent three letters of disputes to XXXX, XXXX, and XXXX to remove the collections that was not invalided. I also sent debt validation letters certified to Commonwealth Financial for Account # XXXX, XXXX, along with another Common Wealth Account with no account # to display. ( please remove all ) These accounts were previously deleted in XX/XX/XXXXand reinserted back on in XX/XX/XXXX.Also for, XXXX XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX accounts # XXXX, # XXXX, an # I also disputed 3 times and sent debt validation letters certified also XXXX Under the Fair Credit Reporting Act I have the right to demand that the documents that they have be disclosed to me since then I haven't received anything by mail at all from the following companys, but yet the information remains on my credit report after a year of me requesting it and disputing this.I simply requested that they send me any documents in my files to verify the accuracy of the accounts and if not I demand them to delete the accounts from my credit reports nothing. But just a letter from the credit company 's stating that the information remains on my file. Under the FCRA 15 U>S>C 1681, all unverified accounts must be promptly deleted.Please delete the accounts from all 3 bureaus ( XXXX, XXXX, and XXXX ).
Respectfully, XXXX XXXX
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| 01/20/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My inquiry involves a debt : Unknown, no information available from credit agencies or initial correspondence.
The nature of my concern : Commonwealth Financial Systems sent me a letter on, or around XX/XX/XXXX alleging that I have a legal obligation to pay them a debt from one of their clients. Per the information provided in their initial correspondence I am undoubtedly confident that the debt they allege I owe is false, inaccurate, and made in bad faith as an attempt to collect on a false debt.
I submitted a dispute letter via certified mail on XX/XX/XXXX to which Commonwealth failed to respond. Following their subsequent failure, I disputed their listing on my credit report, which was promptly removed for their failure to submit evidence of their claims to the ( 3 ) credit bureaus.
On, or around XX/XX/XXXX Commonwealth has again appeared on my credit report without sending me a letter or a phone call which I am happy to validate upon request ; their fraudulent listing has since been disputed - again - as of the date of this complaint. I fully expect their fraudulent and bad faith listing to be removed from my credit report within the next 30 days.
I kindly request that the XXXX take this complaint with my testimony above to investigate Commonwealth Financial Systems for their categorical abuse of the FDCPA and harassment of Wisconsin consumers.
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| 03/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To Whom It May Concern, The reason for my dispute is COMMON WEALTH FINANCIAL was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) COMMON WEALTH FINANCIAL failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation COMMON WEALTH FINANCIAL is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where COMMON WEALTH FINANCIAL is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. COMMON WEALTH FINANCIAL has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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| 09/29/2015 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Indicated shouldn't respond to lawsuit
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Web |
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I recently attempted to obtain a mortgage, at which time I discovered that Commonwealth Financial Systems had a judgment against me for {$4000.00} ( for a XXXX XXXX credit card from XX/XX/XXXX ). I was never notified that there was a lawsuit pending against me. I went to the XXXX Court system website and printed out the entire case file. It was then that I noticed that they documented at least 5 unsuccessful attempts to serve me with the paperwork. The final attempt, which they say was successful, is dated XXXX/XXXX/XXXX. I did not move to my current address until XXXX/XXXX/XXXX. It is at this address that they claimed they served me. Which is patently false. The file says the case was dismissed once for failure to notify me, and I feel that legally they can not uphold a judgment that was obtained without my knowledge. I need some guidance to see if I can have the judgment overturned based on the affidavit of service that indicates that I received the subpoena a full 9 months before I even moved to my current address. If I am able to have it overturned, they will not be able to sue me again, since the 4-year statute of limitations has long since passed on this debt. I am attaching the full copy of the case file. I also have a copy of my current apartment lease that can be furnished if needed. Please advise what my next step should be in this issue.
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| 06/17/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Found company Commonwealth Financial Systems , Inc. has a continued open case against me in the amount of {$470.00}. The incident the debt is referencing is an amount owed to a hospital. At the time, insurance had been incorrect and, once corrected, the debt was removed ; however, as of XXXX XXXX, 2015 this institution is still showing the debt as active.
When calling CFSI, they told me the debt had been closed out. Furthermore, they added uncertainly, they " possibly '' sold to another third party, even providing me with a case # XXXX for this new agency, XXXX.
Upon calling XXXX and providing the case number, they said the case had also been closed and " possibly '' re-directed me to XXXX with a new case # XXXX. This proved to be wholly inaccurate with XXXX, as they had neither my information, that case, nor any debt of mine.
As far as I can tell, CFSI is playing a shell game with a debt of mine that 's long-since been resolved. Bottom-line, if the case has been resolved with this company, then why it the open case listed under their agency? This is either a case of neglect or fraud. I am in the process of getting all of their paperwork involving the acquisition of the debt and anything proving that the debt has been closed with CFSI ; however, in the mean time, this unnecessary act of neglect on their part has cause my credit to suffer.
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| 09/30/2015 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I applied for a line of credit with XXXX XXXX, and this company posted an open collection.
I NEVER received any notice of any debts, ever. At ANY address I 've ever used.
This was also NOT my debt.
They claim it to be from XX/XX/XXXX, but I have never incurred any debt, anywhere. So I researched this company with HORRIFYING results. They 've been harassing, falsely opening accounts, and using illegal tactics to get money since well before XX/XX/XXXX. And they 're still somehow allowed to continue operations with their multitude of consumer and legal issues being well known for years now.
After finding them through XXXX, the real struggle began. Their Cudtomer Service is ALWAYS down and the voicemail for XXXX is ALWAYS full. Leaving no way to contact them. I had called them over and over to no avail. I had to dial in random extensions until a human finally answered. When I FINALLY got a human on the phone, I was told that I had to send ONLY them a written complaint by mail.
THERE WAS NEVER ANY MENTION OR NOTICE SENT ANYWHERE OF A RIGHT TO DISPUTE, NOT ENOUGH INFORMATION ( EXACT DATE WAS NOT FURNISHED ), AND I 'M POSITIVE THIS IS NOT MY DEBT.
I am certain that complaint would fall upon deaf ears and blind eyes. I prefer to report them to an agency that will actually investigate them and their decidedly unscrupulous business tactics.
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| 10/12/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XXXX/XXXX/2016 I was reviewing my credit reports and noticed that a collection company by the name of Commonwealth Financial System was reporting a medical account for {$1000.00} as of XXXX/XXXX/2016. I immediately called them with my financial advisor and spoke to a supervisor by the name of XXXX XXXX extension # XXXX. We explained to her that the account was not mine and questioned her how can they send wrong information to the credit bureaus without making sure that they are sending the correct information? She stated that all they do is send a letter informing the person that the debt stands but other than that that 's all they do. I stated to her that that 's wrong because the FCRA states that they have to verify all information that 's true and correct before reporting to the credit bureaus. She stated that they sent a letter to XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I stated to her that I have never lived there. She really did n't have an answer for this. I requested that they stop collections attempts and to have this account removed from my credit reports. This account has affected my credit scores by more that XXXX pts. and I have a business that depends on my credit score and now it 's deeply affecting my business. I was instructed to send a letter of dispute and to contact all three credit bureaus. The account number is : XXXX.
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| 04/18/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I sent a certified return receipt letter to Commonwealth Financial Systems @ XXXX XXXX XXXX XXXX, PA XXXX on XX/XX/XXXX. It was signed for on XX/XX/XXXX in reference to what they claim is a medical bill I owe. I asked for them to validate this account and in response, a note was added to my credit file stating " meets FCRA requirements which I pulled today XX/XX/XXXX. I didn't receive any correspondence from Commonwealth Financial Systems stating how they validated the debt, I only got an invoice today XX/XX/XXXX with 2 additional accounts saying I owed an additional {$1100.00} and {$570.00}. I do not owe this debt collection agency and these 2 additional accounts were never in my credit file. I have previous copies of my credit file and would like help trying to find out what kind of scam this company is running! I do not want this company destroying my credit by doing this crooked mess because I disputed what they claim is a debt I owe them. I shouldn't be retaliated against for asking for validation of a bill they claim I owe them. The medical bills they say I owe are dated on the letter I received from them today XX/XX/XXXX as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please help!
Also, I noticed that the account that was on my credit report as # XXXX For {$760.00} is not the account number that they sent me today XX/XX/XXXX XX/XX/XXXX
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| 06/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/19 I received a credit alert regarding 4 collection accounts reported on my XXXX report - these had been placed fraudulently on my credit files when the XXXX breach occurred 2 years ago. I was able to remove them after about 3 months of fighting and using resources I found here to use the proper wording to get them to actually verify the validity now 2 years later another company named Commonwealth Financial reported the exact same fake medical collection accounts - XXXX would not let me dispute or access any records online. I had to do it over the phone and they told me on XX/XX/19 they would never be able to restore my online access. So they sent me an email on XX/XX/19 stating the disputes were processing and should expect an update around XX/XX/19, instead I received an email to log into my account, my dispute results were completed- of course I cant access them online, so I called and they said they verified the fraudulent, illegally re-aged, medical collection accounts with Commonwealth on XX/XX/19. Impressive they were able to verify info that could not be verified as it is and was never mine. They said if I purchase their online monthly monitoring service for XXXX $ per month I would be able to access the info online and use their tools to dispute the dispute results and have access to their credit repair specialist.
|
| 11/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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I was admitted to the emergency room at a hospital. I had insurance at the time and showed my card when arriving.I was treated by a doctor there and stayed overnight for observation the next day. I stayed in the ER and not in a hospital room. I was released the next day with prescriptions.
A few weeks later I received a bill for {$150.00}, {$250.00}, and {$1400.00} twice. All from this dr visit.
I was never asked or told that this dr was an out of network dr before he handled my er visit.
I feel I was forced into this bill and I have disputed the charge a few times of this. They say I signed the form consenting the dr XXXX so I will pay.
If I knew all this before, I would have asked for an in my network doctor. They never said anything of this. I feel this was entrapment for the service.
I will not pay this, due to this business of this hospital practices.
The services were given many years ago, and they keep renewing this on my credit report. Even the {$1400.00} shows twice as I stated above.
I am requesting that these charges be removed from report.
I have called the commonwealth, they were very rude and will not even look into the matter.
I am requesting your assistance in this matter to have these medical items removed from the report. They are showing up on report when an employer pulled report.
XXXX XXXX XX/XX/2019
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| 08/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I received a 5 year old medical bill that I have never once heard of before XX/XX/XXXX, and was from a different state and they immediately report the charge to my credit even though I called and made arrangements with them to pay only 5 days after the letter was written. I am in the middle of my home buying process and this company shows up, demands money or they will ruin my credit, so i have no other choice to believe them so i can continue my life with buying my home in 2 weeks. TWO DAYS AFTER I PAY THIS FAKE BILL THEY STILL REPORTED THAT I DID NOT PAY ON MY CREDIT AND MY CREDIT DROPS 20 POINTS!!!!!!! Me, my husband and our XXXX XXXX XXXX son are now out of the home buying process and the house we put a offer in for because they made a 5 year old mistake! When i spoke with the woman there she seriously told me i had no other option - she couldn't even tell me what the bill was for. So at the time my hands were completely tied .She told me I couldn't call the doctor that apparently this bill was from and she haD nothing more for me. Then they still reported it even though I paid!! This is insane that a company/doc ( whoever I dont care ) can come after you 5 years later for a bill you've never seen ( so therefore also couldn't get insurance to pay for it since I was unaware of it ) and say you have to pay with zero information.
|
| 08/10/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
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I had filed ID theft with all companies in 2015 with a police report. It took till someone was brazen enough to get my bank accounts turned over to them to have proof of theft.
XXXX XXXX XXXX then knowingly sold the fraudulent debt to CFSI and gave me 30 days to dispute it.
I went to the website as instructed on the letter and there they where more than happy to talk to me till I provided legal proof of what I was referring to and then they just disappeared and stopped talking. I was using their live chat. if I leave the chat it will show I ended the chat and there would be no proof I was on hold for over an hour. As I am writing this, I am still on hold and no answer from them. Chat timestamp, chat started at XXXX XXXX, XXXX XXXX to XXXX XXXX, no answer. Then the outcome is that they are sending the information to the client for approval. But they are the ones collecting the bill yet they have no control over the bill and act as if they do n't even own the bill. So now I am not even sure if this is a real company, I may have just given all my information over to someone very bad.
When the chat ended I clicked the save transcript button and it took me to a page that said it was timed out. There was no time out, my internet was working just fine and I do not have a proxy.
They did not want me to have proof of that conversation.
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| 04/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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7 months ago I received a notice that a collection came up on my credit report from COMMONWEALTH FINANCIAL SYSTEMS stating I owned them {$540.00} for hospital visit that my son had on XX/XX/2012. 6 years later and they add this collection on my credit report. The only time I have been to that hospital was for a wreck my children and I were involved in on XX/XX/2012. I contacted the Hospital and they confirmed that we were there on XX/XX/2012 but they did not have any record of us going there XX/XX/2012. After the wreak and hospital visit I hired a lawyer to take over my case against the other driver. All my children 's and my medical bills were all given to my lawyer who then paid off those bills through the settlement we received. I contacted CommonWealth and faxed them over the bills my son had and it showed they were paid and also shows the date of service which was XX/XX/2012. I sent them the proof that the date of service they had was wrong as we were never in the hospital that day. They have yet to respond to anything I have sent to them and have failed to provided me with any validation that I owe this debt. The last 7 months have been XXXX trying to get them to remove this debt. It has ruined my chances of getting approved for a home mortgage as when it was added I was right in the middle of trying to get preapproved.
|
| 06/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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Commonwealth Financial Sy stems of XXXX XXXX XXXX , XXXX PA XXXX has placed a collection account on my XXXX credit file and my XXXX credit file. It has resulted in my refinancing of my home to receive a higher interest rate because of their negative posting on my credit file. The debt that they are trying to collect is not mine, it 's a debt for {$120.00} which was supposedly from XXXX . In XXXX XXXX this same debt was posted by another collection company called XXXX , this was removed from my credit file because it resulted from my identity theft situation. Now the debt has been transferred to this collection com pany Commonwealth Financial Systems, they have posted this incorrect {$120.00} debt on my credit file without ever contacting me. I tried calling them but got a telephone voicemail system and had to leave a message for a return call. This company is not doing proper business and its poor and unethical business practice has just cost me a interest rate hike in my refinance process. This is extremely unfair and frustrating as its going to take me about 30 days to complete my dispute with XXXX . Companies like this should not be allowed to post anything they want to consumers personal files. There was no communication sent to me whatsoever. I would have never known unless I ran my credit.
|
| 12/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I received a call today XX/XX/XXXX at XXXX AM MTN time from phone number XXXX and the representative identified himself as calling from Commonwealth Financial Systems. I monitor my credit via XXXX XXXX ever week and only have medical debt in collections with companies name that I know, from over 3 years ago and am never contacted by them. All the research I can find on the company are complaints and law suits and accusations of Commonwealth Financial Systems reopening already closed collection accounts to attempt to collect after the reporting period. I am working very hard to pay off my debts and correct my credit but I know I have nothing in their office for collections and I asked them not to contact me again and issued a verbal cease and desist on their " recorded '' line. They then called me again not more than XXXX minutes later after I advised them to never call my phone again and verbally expressed my cease and desist. I have had only XXXX accounts in collections [ ALL MEDICAL ] for the past 2 years and the complaints launched against them put credit scores back months. I am preemptively launching a formal complaint against this company for contacting me after I advised them of cease and desist and I know I have no debt in their office so anything they may try to tack on to my credit reports are false and illegal.
|
| 10/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity theft. I recently learned that my personal information was used to open an account at Commonwealth Financial Systems. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Commonwealth never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Commonwealth that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
|
| 09/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft. I recently learned that my personal information was used to open an account at Commonwealth Financial Systems. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Commonwealth never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Commonwealth that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
|
| 08/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
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Web |
|
|
MOVE THESE COLLECTIONS AND ACCOUNTS IMMEDIATELY YOU ARE IN VIOLATIONS OF 15 U.S CODE 1681a 3 RESTRICTION OF SHARING MEDICAL INFORMATION, (e) THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER ,GENERAL REPUTATION PERSONAL CHARACTERISTICS,OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS. WITH NEIGHBORS, FRIENDS , OR ASSOCIATES OF THE CONSUMER,(YOU NEVER INTERVIEWED ANYONE REMOVE THESE COLLECTIONS IMMEDIATELY) REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH INFORMATION SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION ON A CONSUMERS CREDIT RECORD OBTAINED DIRECTLY FROM CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY WHEN SUCH INFORMATION WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM THE CONSUMER. YOU ARE IN VIOLATION OF THE LAW IT COMPLETELY STATES YOU ARE NOT SUPPOSE TO INCLUDE ANYTHING FACTUAL IN A CONSUMER REPORT WHICH YOU DID, AND YOU SHOULD INTERVIEW MY FRIENDS NEIGHBORS AND ASSOCIATES YOU NEVER INTERVIEWED ANYONE DURING THIS ENTIRE DISPUTING PROCESS. THE CONSUMER REPORTING AGENCY ARE AN ELABORATE MECHANISM AND YOU ASSUMED THIS VITAL ROLE OF CREDIT INFORMATION Account number D13773xxxxxxxxxx COMMON WEALTH FINANCIAL ACCOUNT NUMBER XXXX XXXX XXXX XXXX
|
| 02/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an XXXX collection from XXXX for {$820.00}. I refused to pay the original amount to XXXX because it was for internet service that i asked to be disconnected on my kids cell phones. Somehow my 10 yrs activated the internet service on the phone and i was charged around {$200.00}.
I disputed the charges but XXXX XXXX XXXX refused to remove the internet. I immediately cancelled the account. The bill was sent to collection.
in XXXX XXXX i received a collection letter from XXXX XXXX financial systems for the amount of {$820.00} and i was offered a 50 % discount to settle the debt. I took on their offer.
I paid {$410.00} with my visa XXXX XXXX XXXX card on XXXX XXXX.
I have proof of the payment, i have copy of their original letter.
I never received proof of payment nor the settlement was reported to any credit reporting agency.
Now for the last two years i have been receiving collection letters trying to collect the remainder of the original debt. SCAM.
I have been receiving collection letters from COMMONWEALTH FINANCIAL SYSTEMS asking to collect {$410.00}.
To me this is illegal, I try to reason with them but to no avail.
Please help.
1 ) i am sending proof of original collection letter with offer of XXXX % discount.
2 ) proof of payment. XXXX XXXX XXXX card statement.
3 ) latest collection letter.
|
| 12/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Commonwealth Finance {$240.00} Opened XX/XX/2018 There is no contract, no valid claim ... account was settled with original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) ... grave errorsfalse claim and reportingI want this account removed immediately or litigation ... it is against the law to attempt to collect a debt twice Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
|
| 05/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, XXXX, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by Cfsi ( Commonwealth Financial Systems, Inc ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation.
A Validation Request was sent to Cfsi ( Commonwealth Financial Systems, Inc ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation.
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, XXXX, XXXX ) without Validation.
Furthermore, Cfsi ( Commonwealth Financial Systems, Inc ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it.
|
| 12/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
COMMONWEALTH FINANCI {$240.00} I challenge the accuracy, compliance and reportability of these listings.
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
|
| 11/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was billed by XXXX XXXX XXXX in the amount of {$380.00} for a hospital visit that I took to XXXX XXXX Hospital back in XX/XX/XXXX. I settled debt paid them the {$380.00} directly in XX/XX/XXXX and it was then removed from collections and my credit report. So today out of nowhere, I received a letter directly at my door ( letters are usually delivered to my mailbox ) from Commonwealth Financial Systems pertaining to the {$380.00} debt that basically said that they picked it up and would give me a discounted rate of {$280.00}. I then called them and forwarded them confirmation email from XXXX when i originally paid the debt and original copy of the bill that included the account number ( which Ill make sure to attach ) and the lady sounded noncommittal in terms of closing that account. She tried to get me to call XXXX and explain the situation to them and I refused to because that situation was already taken care of and I told her that if they needed any confirmation, they could contact them on their own. This definitely rubbed me the wrong way because I settled this debt two and a half years ago and theres no reason why I should be receiving any letters from a third party pertaining to it. I then XXXX the company and saw a ton of bad reviews that basically say the same things about this same exact company.
|
| 09/23/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I would like to bring your attention that COMMONWEALTH FINANCIAL are violating several laws pertaining to my social security Number, and the FDCPA. First thing, I would like to know how they came into possession of my social security number, who authorized their company to use their tradeline on my credit file. Furthermore, they have placed a negative account on my credit file before they addressed a debt assumption letter to me. According to my credit file, the date for this fraudulent account was placed on my credit file XXXX XXXX, 2015, and I am just now receiving a debt assumption letter on XXXX XXXX, 2015.
I would like to state for the record that I have never received a debt assumption letter from them until now ; if they sent any letter previous to XXXX XXXX, 2015, I demand they show proof of mailing and proof of claim that I have ever received such letter.
I have disputed this with all three credit bureaus and the bureaus claim they have verified the account. How can this be if I am just now receiving a debt assumption letter in XXXX XXXX, 2015, when this has been on my credit file since XXXX XXXX, 2015.
IF THIS IS NOT THE CASE, THEN WHY WOULD THEY SEND ME A DEBT ASSUMPTION LETTER IN XX/XX/XXXX, IF THEY ALREADY TOOK THE APPROPRIATE ACTION FOR THEM TO PUT THIS ON MY CREDIT FILE IN XX/XX/XXXX.?
|
| 10/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom it May Concern : After viewing a copy of my credit report I noticed a collection account placed on my credit report from you in 2017 account number # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
|
| 03/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
A medical debt originally popped up on my credit report in XXXX. It was disputed because I never knew about the debt and it was removed. I attempted to inquire of the debt and the collection agency listed at the time stated they hadn't been used with the original creditor for 8 years. No one knew of this debt. the original creditor stated they had sent the debt to collections and had no knowledge of it. It has been sold at least twice and each time it was disputed within 30 days directly to the new company and never placed on my credit.
I guess applying for a new credit card in XX/XX/XXXX " pinged '' Commonwealth Financial Systems ( XXXX XXXX XXXX XXXX XXXX PA XXXX ) who placed the debt, without any notice to attempt to properly collect, on my credit report. They reported the date as XX/XX/XXXX ( in XXXX of XXXX, ) and my score dropped XXXX points to a XXXX with XXXX XXXX. I disputed this with XXXX through XXXX, sent them a screenshot of a previous dispute from another collector ( XXXX, ) noting they had removed this collection previously after not being able to verify the debt. Within 7 days, XXXX completed the dispute with merely updating the dates of the debt with the dates in my screenshot.
This collection agency is violated the Fair Credit Act, by not collecting properly and possibly HIPAA.
|
| 11/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On my XXXX report this doesn't appear, I have the same creditor and they are charging me from 3 different companies.And the amount keeps getting higher. Can this be done? Because i have read on your page it is called double jeopardy. I had insurance. And if my insurance did not pay i was not aware of it.
COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/2018 {$1800.00} Needs Attention Overview You've paid off 0 % of your collection amount.
Balance {$1800.00} Highest Balance {$1800.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention Overview You've paid off 0 % of your collection amount.
Balance {$1000.00} Highest Balance {$1000.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/2018 {$940.00} Needs Attention Overview You've paid off 0 % of your collection amount.
Balance {$940.00} Highest Balance {$940.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is the third time this company common wealth financial has placed the same debt. they are unable to provide any proof of debt, or my signature or to mail anything to my address within 30 days, I had it removed in XX/XX/XXXX by dispute it was placed back on my report in XX/XX/XXXX I had it removed XX/XX/XXXX by dispute it was placed back again XX/XX/XXXX on my report, and I have placed third dispute today. I have also seen on my report it is a medical debt, which is not possible. And by some chance it was with the provided paperwork ( which they don't supply ) florida medicad would go back and pay it. However me and all my children are covered by florida medicad and have been since XXXX for all emergency visits and all doctors appointments meaning we are charged XXXX for any and all doctor visits or emergency room visits, because I am a single mother of XXXX living well below florida guidelines of poverty for a family of XXXX. Like i.said I am very aware let 's say by some chance there was a mistake medicad would go back and pay it, of it were my actual medical debt.this is a 3rd party debt collection agency also I am well aware of it I have looked into it. And commonwealth financial was and is incapable of proving the said debt, they can not. At this point this 3rd party agency is harassing me.
|
| 02/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Commonwealth Financial Systems is trying to collect a debt from me that I believe to be invalid. I have done research to see if this is a valid debt and there is no evidence that it is a legitimate debt. When I spoke with someone with the company and asked for proof of the debt, I was told that I needed to show them proof that the there isn't a debt.
I also researched Commonwealth Financial Systems and XXXX XXXX XXXX, who is supposedly the " creditor '', and there are tons of reviews on XXXX where people are making similar complaints about both companies. There are also numerous complaints on file with the XXXX.
Commonwealth Financial Systems has dinged my credit report and my score was lowered by 40 points! As a result, today I submitted disputes with each of the three credit bureaus and I am also putting in a complaint here. I've been diligent about paying my bills and getting my credit in good standing and it is very upsetting to me to have this company come out of nowhere claiming that I need to pay a debt that is over 5 years old AND I haven't received any correspondence until last month! This alleged debt is from XX/XX/2013! I believe this company is not an ethical company and needs to be investigated and stopped from scamming others by holding them at the mercy of their credit reports.
|
| 08/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I received an email from XXXX that my score had dropped from XXXX to XXXX. Something called Commonwealth Financial System had me in collections for {$1400.00}. I immediately disputed the charge with all three credit organizations. I have always paid my bills and am very distressed by this false charge.
On XX/XX/XXXX, I called Commonwealth Financial at XXXX and spoke to XXXX (? ). She said that the collection is for their partner XXXX XXXX who in turn does collections for XXXX XXXX XXXX. XXXX XXXX XXXX saw XXXX XXXX in an emergency room somewhere on XX/XX/XXXX. They somehow attached my home address to that bill and expect me to pay it. XXXX said that she would enter a dispute in their system. I have not heard back from Commonwealth Financial.
On XX/XX/XXXX, I sent an email to XXXX XXXX. It has not responded.
Since I was never contacted by XXXX XXXX XXXX, XXXX XXXX, or Commonwealth Financial, I assume that they did not have my phone number or email address. I'm sorry that they have them now as a result of my contact with them because they can now use that information to bolster their false claims.
I do not know XXXX XXXX. I did not take anyone to an XXXX. I can not understand how I can be randomly sent to collections for a bill incurred by someone else, for someone else.
|
| 02/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notice in the mail that I owed money to an emergency room called XXXX XXXX XXXX XXXX XXXX. I tried calling the company at the address listed and its actually listed XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Another emergency room is at this exact location listed and called XXXX XXXX XXXX XXXX in XXXX, TX. The phone number is XXXX and I talked to XXXX who verified no record of me in their system. The phone number listed under XXXX XXXX XXXX XXXX is XXXX. I called this number and it rang for several minutes with no answer and eventually stopped ringing. I just received this notice today, XX/XX/2019 and letter is dated XX/XX/2019. There are no dates of when the amount was charged under my name. The letter claims it was placed by CFSI for collection by XXXX XXXX XXXX. I have not been to the hospital in the last year and I have not been in XXXX for almost 7 years now. The amount they are requesting is {$180.00} and offered to take it off my credit history for {$140.00}. I do not have insurance and only visit low income/free doctors in the XXXX area. I suspect this is fraudulent activity since the addresses and phone numbers do not match up. The company attempting to collect this debt is called Common Wealth Financial Systems, XXXX XXXX XXXX, XXXX, NC, XXXX phone number XXXX.
|
| 01/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ), hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the XXXX validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided XXXX within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.
|
| 09/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
My husband and I hire a company to help us to reduce legimate debt that we owe. We started with the company in XX/XX/XXXX. We were ask to sent in bills that we were behind on. I sent a lot of bills to the company. I had no ideal that this particular bill was in the bunch I sent. This bill is OLD back in XX/XX/XXXX. This bill is from a hospital stay of my husband 's. He was really sick. He is a veteran and his hospital bills were paid by the Veteran Administration because he was given a rating of XXXX %. XXXX % means Veteran Administration is and was to pay the bill. I called the VA to verify if it had been paid, and my husband owes nothing. Veteran Administration PAID IT IN FULL. The company collected {$560.00} from the company we hired. I became aware of this XX/XX/XXXX.
I called them the same day. Asked to speak to a supervisor. A man answered and I explain the situation and I ask for a full refund of my money. He said I was not going to get it back. He also ask me " Why did it take me so long to call. I said " that the timing is not a issue, the Bigger issue is " why is your company collecting on a bill that has already been paid. As of today I have n't heard or received any money from them. Can your company, please help me with getting a refund from this company?
Thank You
|
| 07/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter from Commonwealth dated XXXX XXXX, 2017 stating that I owed {$700.00}. I sent them a certified letter for debt verification with a bulleted list of validation points : What the money you say I owe is for Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent In a letter dated XXXX/2017, they show diagnosis codes with no explanation, a CPT code and an amount. But, on page 2 it clearly states : Date Billed XX/XX/XXXX Amount billed XXXX Write Off Amount XXXX Deductible Amount XXXX Co Pay Amount XXXX Total Patient Due XXXX Prev Patient Pmts XXXX Cur Patient Due XXXX They have failed to verify the debt ; in fact sent me proof that there is n't one. There is nothing showing I agreed to pay. There is nothing showing how the amount was calculated ( no itemized fee ) or what it 's actually for ( diagnosis codes and a CPT code are meaningless ). No proof regarding their ability to collect is included either.
|
| 05/20/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
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NE Credit Collections is reporting to my XXXX credit file a collection in the amount of {$640.00} with a delinquent/open date of XXXX/XXXX/XXXX for XXXX XXXX XXXX. After research, I found that XXXX XXXX XXXX is located in XXXX XXXX XXXX. I have not lived in XXXX XXXX XXXX since XXXX. I lived in XXXX, XXXX from XXXX, then moved to XXXX in XXXX XXXX to XXXX XXXX. I have been at my current residence in XXXX since XXXX XXXX. They are in federal violation of inaccurate reporting/re-aging a debt with a delinquency date of XXXX/XXXX/XXXX. Furthermore since I have lived at my current address since XXXX XXXX, they are in violation of not sending out a 30 day collection activity letter to me for validation of debt as this debt was paid by medical insurance in full a long time ago. I disputed with XXXX but NE Credit Collectors came back to XXXX that it was mine debt and it remained on my credit file as disputed. This has caused me to be denied credit at times and caused harm to my credit file. I can prove my residence dates and if this is not deleted immediately, I would like FCRA penalties and fines levied on NE Credit Collection and proceed with litigation. This is inaccurate reporting of dates and a debt not owed and should be deleted immediately. This is also a HIPPA privacy violation.
|
| 07/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Commonwealth Finance has continued to list an old medical bill that I do not even recognize as a new debt collection with all 3 credit bureaus. As I have been working very hard to pay off collections that are legitimate and they have now " re-aged '' the collection and post it again as if it is new. When it was previously listed on my credit report over 7 years ago it was for a different amount.
The collection lists XXXX XXXX XXXX in the amount of {$1000.00}. I have never heard of XXXX and have not been able to get any more information about the debt. Whatever it is I know it was from 9 years ago originally.
In addition to this, I have never received a collection letter from Commonwealth Finance listing the right to dispute the debt.
Most recently they posted it as a new collection on XX/XX/2019. Even if the debt is legitimate it is older than 7 years and should not be listed on my credit report.
This tacting of " re-aging '' the debt appears to be against FCRA guidelines and is fraudulent.
It is currently preventing me from renting a new home for my family as it brings my score down over 100 points.
I have contacted them in the past and they were rude and only interested trying to scare me into paying this bill that should have fallen off my credit two years ago.
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| 01/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a letter from Commonwealth Financial Systems dated XX/XX/XXXX. I have no relationship with this company whatsoever. It states my account has been placed with Commonwealth Financial Systems by XXXX XXXX XXXX XXXX XXXX and that the original creditor was XXXX XXXX XXXX XXXX XXXX. The letters states {$790.00} is due from a service date of XX/XX/XXXX. It mentions they will give a 25 % discount if paid within 45 days.
I immediately assumed this was a scam ( it was addressed to my middle and last name instead of first and last name ). I did not have any outstanding medical accounts ( I have health insurance ) and XXXX XXXX XXXX XXXX XXXX is not even in my state. I did not have any service on the date listed.
I did a XXXX search for Commonwealth Financial XXXX and found a large amount of complaints where this company would try to collect debt on false medical accounts and if not collected, report them to the credit bureaus. I did not contact Commonwealth Financial XXXX due to the amount of complains I read about their reps being abusive. I also did not want to relay my personal info. I'm worried they will report this false account to the credit bureaus and impact my credit. I am happy to give you any info you need ( my name, account # listed, copy of letter, etc ).
|
| 04/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX has attempted to collect a debt that is NOT mine. I have stated this to the company before in XXXX and XXXX. I received a " limited time offer to reduce debt '' from the company in XX/XX/XXXX. I called the number on the letter and let them know that the " Rewards XXXX Visa XXXX XXXX '' in the amount of {$530.00}, was NOT my account and that I have never had a rewards visa. I then received a letter from Commonwealth Financial Systems on behalf of XXXX XXXX XXXX XXXX to collect this same debt that I have never owned, on XX/XX/XXXX. I called this company and let them know that I have never owned this debt or a card from XXXX XXXX. The CSR proceeded to tell me, " Well it's your debt, they used your personal information and social in XXXX to open a card. '' I asked her what address they have of this so-called original debt, and she said " XXXX XXXX XXXX '', which I realized that this is either fake debt or someone else 's debt or that someone used my identity because I didn't live at my current address until XXXX, AND I never owned this account or credit card at all, and I keep all old credit cards, even those credit accounts that I have previously closed just because I am afraid of someone getting my personal identifying information from old accounts, etc.
|
| 12/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX {$350.00} and {$530.00} There are no contracts, no valid claims ... accounts were settled with original creditor ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation ... it is against the law to attempt to collect a debt twice Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
|
| 01/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2019 Amount : {$1000.00} Original Creditor : XXXX XXXX XXXX Debt Collector : Commonwealth Finance The incident involved plenty of miscommunication due to my XXXX. There was misunderstanding which my rights were being taken away. If I knew the legals, I would have not accept the ambulance ride and brought my attorney with me to clear up the miscommunication. Instead of this, I was forced to go with two options which was to get arrested or to get checked by going on ambulance ride. The law enforcement did NOT provide XXXX XXXX XXXX interpreter at all. Instead of providing a professional certified interpreter, the officers communicated with me through writing. English is not my first language. ADA law requires for them to provide the interpreter so they violated this law.
I did not need or request the ambulance ride. What more? I did not have health insurance due to hardships. I felt that I am not obligated to pay this debt and can not afford as well.
Am still going through hardships with XXXX children I have.
After taking me in for the check up, they released me. I did not deserve all of this nor to be arrested which I did nothing criminally.
I do not have money for attorney to clear up this mess and am researching on ADA laws to protect my rights.
|
| 01/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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|
This company continues to viciously attack me with no proof of any debt that supposedly stem back from XX/XX/XXXX- almost 7 years now for the amount of {$1300.00}. I have filed a police report and have retained an attorney against this Collection Agency- Commonwealth Financial , which have been sued over 77 times already AND LOST. This company needs to be shut down. According to the FCRPA, they are to prove such alleged debt with Validation NOT verification witch include an itemized break down of services that were supposedly rendered and not just a statement of random of amounts. I have never lived in XXXX XXXX, Nevada or have been there. The so-called dates of service are from XX/XX/XXXX-XX/XX/XXXX This company continues to ruin my credit standing and arbitrarily post and file reports on my credit reports. This company should not have access to my Social Security number in the first place. This company keeps accusing me of unpaid debt! I viewed a statement that was sent to me by Commonwealth Financial from a provider in XXXX XXXX Nevada, and this so-called original creditor is based out of XXXX XXXX Nevada! All previous allegations by this company have been removed ; nevertheless, they continue to erroneously post alleged debts! I need this resolved immediately!
|
| 06/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
|
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For starters I do not owe this company any money nor have I ever done business with this company. For two how is this company attempting to collect dent on behalf of another company? I did my research on this company and found that not only are they attempting to collect a false debt, they are also not legally licensed to do business in the state of Georgia which this information can be found on XXXX XXXX XXXX it is against the FCRA to collect on a debt that first of all is not true, and even more against the law when you are not licensed to do so.
I have not done business with this company. XX/XX/2020 I contacted this company asking them to send me proper debt validation and they have yet to do so. I am demanding that this company remove this account from my credit reports at once, it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another.
While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. My lawyer has advised me to bring this information forth to a judge in my area and I will do just that if this information is not removed from my credit file.
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This complaint is for Commonwealth Financial Systems legal/compliance dept. Your company has stated that they have complied with HIPAA laws yet attached you will find a HIPAA LAW thats states an authorization form must be obtained from a patient before any of their PHI is shared. I received a copy of my childs medical records including procedure without knowledge or request. I suggest this company read over those HIPAA laws again and then send me the authorization form signed by me to release such information. I would also like a copy of the debt verification I requested. I received a full breakdown of my childs medical records without receiving an authorization form attached. THAT IS A REQUIREMENT!!! As a business entity you have every right to send limited information but instead you carelessly sent a full breakdown of services rendered. SHAME ON YOU ALL!!! I have already submitted a HIPAA complaint with the documents I received attached. I have no problem paying the debt with the settlement funds I will receive from this company for clearly being in violation of HIPAA. Also if your company is so sure that you did not violate any laws then I will see you in court. They can determine for us whether any violations were made. I made sure to keep all paperwork!
|
| 01/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Common Wealth Financial debt collection did not make any attempt to notify me by phone or mail that I had a debt in their office. With no notice made I was unable to verify or even given a attempt to make a payment if found it was a legit debt. This company just placed a collection debt on my good credit report. The debt in question is a medical bill from a medical service provider named XXXX XXXX XXXX. XXXX. They are the holders of the original contract for service. This bill among others were included in a lawsuit and had a LOP in place or were negotiated and paid by the law firm representing the case per the signed contract of settlement supplied. As a patient that was unable to take care of himself, I was in a hospital after XXXX surgeries then moved to assisted living facilities and rehab centers for over a year. All mail send to my residence was forwarded to the law firm so they could handle all the bills as there was close to a XXXX dollars worth of them. This debt collection company has violated the law by not offering a opportunity for me to pay the debt or even made me aware of such debt, if it was a outstanding one. The amount this collections company has does not match the amount my lawyers had, shown in the forms after my medical insurance paid.
|
| 05/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2020, I received and email from XXXX credit monitoring systems stating that Commonwealth financial had placed a collection on my credit report. The debt pertains to and old medical collection that was never verified, and later removed from my credit report. This company has bought this debt from another agency and are trying to collect on it. This company also did not send me any written notice/bill before they placed it on my credit report, which is a direct violation, therefore causing a significant point drop in my credit score. The balance they have listed is for {$1300.00}. Also, this debt is past the allotted time frame in regard to the Statue of Limitations laws pertaining to medical debt. I can also verify that XXXX XXXX XXXX tried to collect on this debt as well, and after further investigation, the debt was never verified, and removed from their system, and I have the proof to support this. However, this fraudulent debt placed by CommonWealth Financial has not been verified by previous collectors, and needs to be removed from my credit report, within a timely manner.
I would like this company to be recognized as one to place fraudulent collections on consumers credit reports, and a company who does not follow the guidelines of the CFPB.
|
| 04/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Since last XXXX , Commonwealth Financial has b een r eporting several medical debts it claims I owe to the major credit bureaus ( i.e. XXXX ). The amounts are {$57.00}, {$300.00}, and {$590.00}. It says the debts are owed to XXXX XXXX XXXX and/or XXXX XXXX XXXX . I have no record of any debts as it reported, nor have I received any notice of collection fro m Commonwealth themselves. I have disputed the debts a number of times, since finding them on my credit report, in an attempt to have them removed from my credit ; Ive had no luck.
I decided to do further research and found that Commonwealth Financial has no license to collect debt in the state of Florida my state of residence, as well as the location of the hospitals on whose behalf they are supposedly collecting. When I called the Florida Office of Financial Regulation, I was told that Commonwealths Florid a license number XXXX had been voided and revoked on XXXX XXXX , XXXX . It was still reporting and re-reporting these debts in XXXX XXXX . I am admittedly a bit confused as to how an unlicensed collection company can attempt to collect a debt from me at all, let alone report to reputable credit bureaus that heavily affect my life and finances.
|
| 09/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have disputed these accounts numerous times through XXXX and XXXX as the negativity that has impacted my score has been false from the start. I have talked to each collection agency listed and have recorded conversations of them stating apologies for the errors and that they will be removed however ; they have only followed through with XXXX and not XXXX. I have no negative items on my XXXX but they have done nothing to XXXX besides removal of a few accounts but, they have added accounts in their place, ones where insurance, XXXX, XXXX and my Supplemental insurance company has already paid these claims. I need help as I have disputed these numerous times. Below are the companies that are not in following through with what they have agreed to do.
NEGATIVE INFORMATION > COLLECTION.
XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX
|
| 07/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I submitted a dispute via XXXX XXXX in regards to an account that had been opened that I was not responsible for : CMNWLTH FIN - XXXX XXXX of XXXX - opened on XXXX XXXX XXXX in the amount of {XXXX}. I moved from XXXXXXXX XXXX to XXXX XXXX, XXXX in XX/XX/XXXX, of which I was and still am able to prove. On XX/XX/XXXX the investigation was completed and the result was in my favor : XXXX deleted the account on record from my credit report. I went online today to see about what I can do to build my credit and I noticed that a new account has been added in the amount of {$1000.00} so I opened it to see into the details of the account and sure enough it is the same account, except now it's through a *different collection agency and has a **new open date : XXXX XXXX XXXX XXXX XXXX XXXX of XXXX - **opened XXXX XX/XX/XXXX in the amount of {$1000.00}. It is my understanding that this practice is called Re-aging / Re-insertion and is illegal. I have opened a dispute with XXXX XXXX for a 2nd time and I will follow through on that end, but I want to pursue all avenues to clear my name and record and hold these agencies responsible for the negative impact to my Credit Report & Score in addition to the likelihood that I'm not the only victim.
|
| 03/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Earlier this year I got a couple of alerts from XXXX indicating Commonwealth Financial was/has been reporting an emergency room medical debt to XXXX and XXXX ( credit bureaus ) since about XX/XX/XXXX. The report states it's for a debt I supposedly incurred in the E.R. some years ago. I do not recognize this debt - the provider or the amount - and I assume it's because all of my medical debts were covered by insurance. I never received any bills pertaining to this amount, or from this company. I disputed the account to XXXX XXXX which appears to have removed it, but I still see it reporting to my XXXX and XXXX reports. The reports indicate information was recently updated but doesn't report as under dispute, which I'm aware consumer protection statutes require.
I have yet to see anything, document-wise, produced which would indicate any debt is owed. I looked Commonwealth up on the website of the Florida XXXX. and see that their previous license to collect debt in Florida was REVOKED and their new license only went into effect in XX/XX/XXXX. I'm not sure if that explains why they never bothered to contact me before reporting this collection, but I imagine they shouldn't be allowed to do either without a license to collect in this state.
|
| 01/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX i spoke with a manager at commonwealth informed him this was a fraud account and im disputing it and wanted account removed from my credit bureau. I also requested all documents from hospital to support this debit. I filed a complaint with the cpfb also on approx XX/XX/XXXX a XXXX XXXX responding to that complaint and lied in her response she stated all proof of debit and supporting documents where sent to me on approx XX/XX/XXXX all i have ever received was an initial collection notice no proof of debit or documents that I requested instead this company placed this account back on my credit bureau without addressing my dispute or providing proof of debit. Both these actions by this company and XXXX XXXX are illegal and violations of the FDCPA. I also received three collection calls on XX/XX/XXXX even after leaving sevral messages over the last few weeks for XXXX XXXX which i never received a call back. Im asking the CPFB to fine and sanction commonwealth for unfair collection practices and violations of the fdcpa. Im also going to file a complaint with the Arizona attorney general 's and hire an attorney to sue common wealth, XXXX XXXX, the manager whom never sent me my proof of debit and the collection rep feom XX/XX/XXXX
|
| 02/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX I had a hospital visit at XXXX XXXX Hospital . The hospital did not submit and verify that I had 100 % coverage of medical insurance. Common Wealth Financial has just reported a {$1800.00} debt on my credit report. I never received one single bill regarding this for years! I would of gladly of spoke to their insurance agents and ensured they billed my insurance. I have call XXXX XXXX and they admit to their error, yet the claim is so old to discharge she stated. The claim was on XX/XX/2015. I even called my last employer and spoke to the HR to verify my insurance was ACTIVE. How am I penalized because of their billing department error? I paid a lot of money to be insured and do not deserve this debt that is clearly their fault. I never received 1 single bill or 1 single phone call from the company regarding this bill for 4 years. Only until it reached collection recently was I notified. This is completely wrong. I am a young adult with outstanding student loan debt. I am a XXXX XXXX XXXX XXXX and do not have an income to pay a debt that should have never been issued to me. Please help regarding this. My employer was XXXX XXXX XXXX XXXX at this time. I had Medical Insurance and the biller failed to bill my insurance. Thank you.
|
| 06/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX I submitted a dispute/validation letter to XXXX XXXX XXXX a.k.a XXXX XXXX which was received by XXXX XXXX via certified mail on XX/XX/XXXX.
XXXX XXXX XXXX a.k.a XXXX XXXX failed to respond to my validation request and further sold the unverified, invalidated account to Commonwealth Financial Solutions.
XX/XX/XXXX I spoke with a XXXX XXXX who identified herself as a supervisor. I asked Ms. XXXX how, or when did Commonwealth Financial contacted me regarding the debt her agency has posted to my credit profile. Ms XXXX stated prior to my phone call of XX/XX/XXXX, no effort to communicate the debt was made, rather, the only effort was to past the derogatory information to all credit bureaus.
I further asked Ms. XXXX when was the debt sold to Commonwealth Financial Solutions by XXXX XXXX. Ms. XXXX stated the debt was received " in-house '' XX/XX/XXXX, processed XX/XX/XXXX, and from the information reported on my credit profile, they submitted the derogatory information XX/XX/XXXX.
I further asked Ms. XXXX if she was aware that I had submitted via certified mail a letter to XXXX XXXX XXXX a.k.a XXXX XXXX requesting validation of the account two ( 2 ) years prior, to which I did not receive a response from Ms. XXXX.
|
| 05/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I just looked at a new updated copy of my credit report and noticed Commonwealth Financial Services , Inc XXXX reporting a negative account. I contacted them today, XX/XX/2017 , by phone and spoke to XXXX ID/Ext # XXXX , and asked why they were reporting on my account without me knowing any of this in writing or by phone before placing it on my credit report and also told him that I am disputing this alleged debt. I was just pre-approved on a loan and was told that this will harm my credit score and I will not be able to close until this matter is resolved. I demanded verification and can not wait by mail and want Commonwealth Financial Services , Inc. to upload any verification documents they might have here per the FDCPA and FCRA laws. XXXX also tried to have me pay just so this account goes away even though I told him several times that I did not owe this alleged debt and I am disputing it as it is not mine. I have no problem paying a debt that I really owe, especially in the current situation that I am in but I will not pay for something that is not mine. I demand this be verified with all the documents they claimed to allegedly have including my signature or remove this from my credit report immediately.
|
| 01/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
The company refused to provide verification of debt nor any details about the debt. We made a good faith effort to find out what this debt even was. " XXXX, '' the first agent was given the account number and was able to pull up my name. We asked several times to disclose to us what this debt was for. She insisted on acquiring personal information which we stated from the start - we would not disclose ANY personal information until we were able to verify the validity of the debt and the authenticity of the " collection agency. '' She already had an account number and my name.
My advocate asked to speak with her supervisor, we were on hold for some time ; when " XXXX '' did finally come to the phone, we explained in detail what happened with XXXX. XXXX argued with us that we were required to provide personal information to her. Under the Fair Consumer Protection Act I know this is indeed not true. It is my right to protect myself and request validity of their identity and supporting documentation proving their claims. XXXX refused and argued, she would not provide verification of the debt, she became aggressive, she threatened me with a judgement ... again without any verification of the debt and the call was abruptly ended.
|
| 06/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent certified letters to XXXX, XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX disputing the collection account from Commonwealth Financial in the amount of {$1300.00}. On both occasions, all 3 credit bureaus stated the information was verified and accurate ; however, none of the 3 credit bureaus sent any documentation to support their response as I requested, only that the debt was verified. I contacted the company directly ( per the direction of all 3 credit bureaus if I still disagreed with their findings ) by certified mail on XX/XX/XXXX requesting that they validate the debt. The company signed for the certified letter on XX/XX/XXXX but I have never received a response from the company to this day ... ..almost 3 months after they received my letter. I contacted all 3 credit bureaus AGAIN by certified mail on XX/XX/XXXX advising that they did not provide any documentation to me and the creditor has not responded to me. I have recently received responses from both XXXX and XXXX stating they have verified the debt once again ; however, no one will provide me with any validation of debt documentation or address the issue on why the company will not respond to me. This has been going on for 6 months now with no resolution.
|
| 12/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company continues to viciously attack me with no proof of any debt that supposedly stem back from XXXX almost 7 years now. I have filed a police report and have retained an attorney against this Collection Agency- Commonwealth Financial , which have been sued over 77 times already AND LOST. This company needs to be shut down. According to the FCRPA, they are to prove such alleged debt with Validation NOT verification witch include an itemized break down of services that were supposedly rendered and not just a statement of random of amounts.
I have never lived in XXXX XXXX, Nevada or have been there. The so-called dates of service are from XXXX This company continues to ruin my credit standing and arbitrarily post and file reports on my credit reports. This company should not have access to my Social Security number in the first place. This company keeps accusing me of unpaid debt! I viewed a statement that was sent to me by Commonwealth Financial from a provider in XXXX XXXX Nevada, and this so-called original creditor is based out of XXXX XXXX Nevada!
All previous allegations by this company have been removed ; nevertheless, they continue to erroneously post alleged debts!
I need this resolved immediately!
|
| 05/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from commonwealth financial systems about a debt collection. I did my research and found out that the debt was related to medical services. I contacted the medical provider, they never provided services to me ( which I already knew ), contacted the previous creditor and they said they could not provide any information even when they confirmed my case number. The current collector commonwealth financial systems try to convince me that the debt was mine because they had all my information on the case until I confronted them with evidence and prove they were wrong and ask the for a itemzed invoice. Tree weeks later I received a fake itemized invoice with fake information which was showing that the services were provided to a different person. I call back and all they said was that that made a mistake and hang up the phone. This is something that has to be investigated because doing my research I found out I was not the only person with the same problem with this company. They are trying to scam people and the worst part they have all your personal information home address, social security number date of birth phone numbers and you don't know if there will be future fraudulent intents to do the same.
|
| 08/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
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A Commonwealth Financial Services collections account appeared on my credit report a couple of months ago from a XXXX XXXX stay. At no point before the account appeared was I notified of an amount due that wasn't covered by insurance. Upon finding out about the collections account, I contacted Commonwealth for more information on the debt and they gave me the original creditors ( and subsequent client 's ) information. I reached out to my insurer and they researched the account and figured out that the physician 's office had billed incorrectly. They were able to get the claim re-processed and paid as of XX/XX/XXXX. The insurer sent me an Explanation of Benefits and informed me that they were unable to reach the original creditor ( XXXX XXXX XXXX XXXX ) and notify them. I have since reached out to Commonwealth Financial Services and have gotten nothing but the run-around and voicemails, I simply wanted a way to provide them proof of payment directly from my insurer, so that they could delete the records from the three credit bureaus. This is harming me because I now have a scarlet letter on my credit files die to no fault of my own, which had caused a significant drop in my credit score during a very trying time.
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| 03/07/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I noticed a collection on my credit report for a medical bill that was invalid and that I was unaware of. The account had been sent to collections with CommonWealth Financial. I mailed a certified letter to the collection agency disputing this debt and requesting its validation and/or removal from my credit report. This letter was mailed on XX/XX/XXXX. I waited the customary 30days for a response from the collection agency, but none was ever received. I then mailed another certified letter to CommonWealth Financial requesting validation or removal of the debt from my credit report on XX/XX/XXXX. I have not yet received any response to my disputes from this company. The original debt remains on my credit report, and it is negatively impacting my purchase power as a consumer in good credit standing. I am now completing a complaint with XXXX against CommonWealth Financial for their failure to comply with my repeated request, and their violation of the FCRA and FDCPA, as well as potential state and local laws. I would advise any person that has business with CommonWealth Financial to be cautious of their business practices, their lack of transparency, and willingness to violate the Fair Credit Reporting Acts.
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| 11/21/2017 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received a call from Commonwealth Financial Systems on XX/XX/XXXX at XXXX from the phone number XXXX ext XXXX claiming I owed a debt from back in XX/XX/XXXX in XXXX XXXX, TX . I did live in that area but I DO NOT remember going to the hospital back then. I DID NOT AFFIRM THAT I OWED THE DEBT! I challenged the debt and I told them I do not remember that and I do n't have a medical debt that is owed! They also asked for the last 4 of my ssn and I refused to give them that information!
I told them to send me a copy of the bill that I supposedly owe which I do not remember ever getting a bill. THEY THREATENED THAT THIS WILL BE PUT ON MY CREDIT AND CAUSE HARM TO MY CREDIT! I have not yet received any bill in the whole 5 years of any bill from the hospital.
First, the statue of limitations are over with. They can not sue me nor take any legal actions as the statue of limitations are 5 years in Kansas and 4 years in Texas. As of XX/XX/XXXX it has been 5 years!
I want them to stop harrassing me, stop claiming a debt that I 'm sure I 'd remember IF I DID IT. No bill has came, no nothing. Stop threatening my credit and what not on a debt that is beyond the statue of limitations. Just do not call me again!
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| 02/09/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I checked my credit and saw an account from COMMONWEALTH FINANCIAL for Florida Hospital in the amount of {$100.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a XXXX and needed financial assistance.
COMMONWEALTH FINANCIAL did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against COMMONWEALTH FINANCIAL should this item not be deleted within the required time allowed by law.
COMMONWEALTH FINANCIAL is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX and XXXX as well, since they are incorrectly reporting this debt, too.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
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| 07/13/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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Northeast Credit Collect listed pase ID Theft accounts on my credit files, They 've split one bill into XXXX and made XXXX separate entries on my credit report. I 've spoken to the original creditor of the XXXX debt, they told me the account should be listed as one account and that they will never sell the debt and that should contact XXXX is in charge of collecting the debt. Since that 's the case it means XXXX gave permission to Northwest Collections & Credit who account no. XXXX from XXXX XXXX XXXX on place on my credit file on XXXX XXXX. XXXX other companies also reported the accounts in the same 30 day period are - & gt ; XXXX/XXXX/2015 XXXX, XXXX/XXXX/2015 Commonwealth Financial, XXXX/XXXX/2015 North East Credit & Collect..Theres no way all XXXX companies can have the legal right to pursue collections at the same time. Also North East Credit & Collect is violating Hippa by listing it as a debt from XXXX XXXX XXXX. They also listed the XXXX debt as XXXX accounts, The original creditor told me it should be ONLY XXXX account, meaning North East Credit & Collect maliciously reported one debt multiple times to do as much damage to my scores as possible..
XXXX has been notified it was from ID Theft
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| 09/22/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX ( per credit monitoring service ), I was notified of a collection account being place on my account in the amount of {$970.00} via Commonwealth Finance. As I researched this collection account that does not belong to me, it was discovered that this was the exact same account that had been removed multiple times previously ( process documented via bureaus in XXXX CFPB in XXXX ) due to being fictitious, inaccurate and the inability to verify the identity associated to this account. Not only does the account not belong and the fact that you are reporting inaccurate information on my consumer report, I did not receive ANY notice what so ever prior to reporting this to the consumer credit bureaus, both of which are in direct violation to my consumer rights and FCRA. More importantly, your reckless actions have caused a drop in my XXXX thus causing additional damage. I demand that you remove this account immediately! In the event that you do not remove this fictitious account upon demand, I will take all actions necessary to seek legal action and compensation for said damages which are documented. Your prompt attention to the correction and resolution to this matter is highly recommended.
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| 12/21/2016 |
Yes |
- Debt collection
- Payday loan
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- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
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Web |
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Commonwealth Financial Systems Incorpated has repeatedly placed threatening phone calls to my cell phone and the phone of my XXXX father. These calls do not identify the agency as a debt collector, the message directly state " legal action is being taken against you, papers are being filed in a court of law, if you do not contact us ''.
I returned a call on XXXX/XXXX/XXXX to see what company was calling leaving messages like this on my father 's phone ( he has XXXX trouble ). I spoke with a representative who had information on an old payday loan account ( over 8 years old ) that was verfied paid before I filed Chapter XXXX in XXXX.
I asked the representative why they were calling me instead of the lawyer ( he stated I was being sued in XXXX, I reside in XXXX ) and he began to become irate.
I further advised him to contact directly and not my father, which turned into an argument. He stated it was ok, they will pursue.
This practice of threatening consumers is unacceptable. The company stated they had an affidavit from my bank, but they had outdated contact information. The representative further claimed they sent court papers to an old address and email, but they had a current phone number.
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| 04/15/2017 |
Yes |
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- Communication tactics
- Called after sent written cease of comm
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Web |
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I PAID THE DEBT AFTER THEY AGREED TO NOTIFY ALL MAJOR CREDIT AGENCIES AND THEY CLAIM THEY HAVE BUT HAVE NOT XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone : XXXX Facsimile : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX File ID : Original Creditor : Original Account : Current Balance : Service Date : XXXX XXXX XXXX XXXX {$0.00} XX/XX/2013 Commonwealth Financial Systems , Inc. Is authorized to resolve the above-mentioned account.
This shall confirm this debt as " Satisfied '' And you will have no further obligation to the above referenced creditor. We will also notify the XXXX major credit bureaus to delete the above referenced account as soon as possible.
If you have any questions Or concerns, please feel free to contact me.
Sincerely, XXXX XXXX XXXX XXXX Ext. XXXX Manager This is an attempt to collect a debt, by a debt collector, any information obtained will be used for that purpose.
This letter is subject to receipt of payment total. If made, this letter serves as authorization to remit said payment. If payment is voided or offer not accepted/completed by dates listed above, CFSI is not obligated to renew the offer.
Email Account Manager Give Us a Call Save Contact Information
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| 06/03/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Have contact both party 's involved numerous times still no resolution. The problem is that it's a medical bill that was discharged in bankruptcy in XX/XX/2014. Appears on my XXXX credit report as in collections with Common wealth Financial ( XXXX XXXX ) Head supervisor XXXX extension XXXX. It has been dismissed through Common Wealth Financial I currently have no open accounts with them. Bankruptcy was final in XX/XX/2014. XXXX will not remove it off of my credit report I have contacted them give them the number of the XXXX person in charge at Commonwealth where the he said he would talk to them personally and have them remove it they would not contact him. I've been dealing with this for two months now on my credit report I have called a gazillion times I have documentation of every time I have contacted both. The account is in the amount of {$250.00}. Bankruptcy was closed XX/XX/2014 I've given them both parties all the documentation Commonwealth has no open accounts. Supervisor that I contacted from XXXX was XXXX who would not take care of it he said it was out of his hands. At this point I have no idea what else to do where else to turn. Hopefully I can get some satisfaction through you.
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| 09/16/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On XX/XX/2021, I received a notification from XXXX indicating a debt collection company placed a debt against your credit account. I filed a dispute with XXXX and informed them this is not my debt. I later realized the debt has caused my credit score to decline do to the recent debt. The collection amount is {$690.00}, but I hadn't receive a bill disclosing the details about the debt, but I was able to obtain the phone and address of the collection company.
On XX/XX/2021, I sent a letter to the debt collection company informing them they had the wrong person and I didn't receive a letter from them, but I found out through the collection company about more details of the debt.
On XX/XX/2021, I called the debt collection company to inquire about the debt. I informed them they had the wrong person, but they were not willing to remove the debt from all of the credit reporting agencies. I stated several times they had the wrong person, so I requested to speak to a Manager. The Manager didn't want to listen to me even after I stated several time they had the wrong person. The representative stated several times, she wasn't willing to remove the debt, but I stated again, this is not my debt.
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| 11/13/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : Collection Agencies Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX City, State, Zip XXXX XXXX XXXX PA XXXX Account : XXXX To Whom it May concern : Please be advised I have requested validation ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violate my rights according to HIPPA.
XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above name original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. This is my second letter and I encourage a response from you expeditiously.
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| 08/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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My husband and I checked our credit scores with XXXX XXXX because we were applying for an apartment and wanted to check our scores. This was on Wednesday, XX/XX/XXXX, in the XXXX. Saturday, XX/XX/XXXX I received an email from XXXX XXXX stating that there was a new credit account on my report. I thought this was suspicious as I had just checked my score a few days before. XXXX XXXX seems to just be a funnel for getting customers to sign up for new credit cards stating this can improve their score. I looked up the organization on my report that was this new credit account account on my report. It was Commonwealth Financial Services. I searched the web for them. They offer a deal where you can pay them to expunge the negative ding to your credit score ( mine had gone down 2points ) by sending them money without contacting the creditor. They did not reveal the original company of the debt or even the collection agency working for them. This seems like a scam where XXXX XXXX and Commonwealth Financial Services are working in tandem to rip people off. I want the ding taken off my credit score, if there really is one and I hope this is investigated and consumers can be alerted to this scam.
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| 04/09/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX a correspondence was sent via mail as well as an additional follow up on XX/XX/XXXX that was also sent via mail to Common Wealth Financial Services after receiving an alert on my credit report in regards to an alleged account ( # XXXX ) a medical account that was originally established between XXXX HOSPITAL on/or about XX/XX/XXXX. By it being a medical account I requested verifiable proof of them having original contract between myself and their company with my wet-ink autograph ; the contract with myself and XXXX HOSPITAL signing giving permission to disclose such private info. Their response clearly violated my rights according to the HIPPA act of 1996. XXXX HOSPITAL did NOT provide me a HIPPA release before releasing my medical information to Commonwealth Financial. Therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action against Commonwealth Financial as prescribed by the Fair Credit Reporting Act should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.
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| 11/29/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received a XXXX XXXX alert at the beginning of XXXX notifying me of a medical debt collection from Commonwealth Financial. First, I never received any notification of a debt owed - not a call, email, or mail from the alleged original creditor nor Commonwealth Financial ; this is a clear violation of FCRA. Secondly, I researched the claim and found the name of the original creditor - one I had never heard of - alongside a date that backed to 2014. I made all attempts to try to contact the original creditor, but they do not seem to exist. Most phone lines were out of order, and one that worked went to a hospital - not the company listed. No one could find records of this supposed owed debt. This fraudulent action dropped my credit score drastically in the middle of the home buying process ; in addition, other lenders closed their accounts with me as a result. XXXX has removed this fraudulent claim from my credit report, but damage has already been done. I intend to seek legal action ; it appears there are already lawsuits against this company, whats another one? My fear is that others are paying fraudulent debts to make it go away thinking that theres a chance it may be legitimate.
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| 09/15/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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After reviewing my personal credit file with XXXX I discovered a collection agency by name of Commonwealth Financial Systems. Inc.. Original creditor : XXXX XXXX XXXX. XXXX. Just a few minutes ago I reached out to Commonwealth Financial to find out why they are reporting negative item to my credit report. After reviewing invoice company sent to me in the mail I discovered they are attempting to bill me for services or hospital visit. I never I was never admitted to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2012. I disputed this item with XXXX more than 30 days ago and it was supposedly verified that the item is valid.. When speaking to creditor I asked them to provide documents to me to proof I was admitted to hospital. The representative from company stated they do not research or validate collection items and that XXXX is responsible for contacting hospital to obtain documents. This company clearly did not validate this item with XXXX or provided them or me with no documents to validate this debt.
This creditor must validate that I owe this debt. XXXX has already given them more than enough time ( 30-60 days required by law ) to validate this item which they chose not to do
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| 11/23/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Commonwealth Financial systems, XXXX XXXX XXXX, XXXX XXXX, PA XXXX Account # XXXX Commonwealth Financial systems is reporting a dept that I have no knowledge of and that the listed original creditor can not verify after contacting. The listed date of first delinquency date XX/XX/XXXX to the listed Assigned date XX/XX/XXXX date Exceeds the 5 year Florida statue of limitations for collecting medical dept. this account was outside of the statue of limitations at the time of reporting please REMOVE THIS ACCOUNT.
The listed account number does not match the account # provided on their notice.
The listed balance does not match the balance listed on their notice.
Commonwealth Financial systems did not provide me a notice and give me 30 days to respond prior to reporting. Their notice was provided XX/XX/XXXX nearly 3 Months after they listed the account on my credit report. The notice was provided after I disputed the information stating that I did not receive a notice.
It is required by law that the information on my report be accurate PLEASE REMOVE THIS ACCOUNT! It is reporting inaccurate information and I have no knowledge of it. the listed original creditor can not validate it.
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| 10/24/2019 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Collection : commonwealth financial systems- have a medical debt from XXXX which is {$7100.00} this debt is a medical debt, this is an incorrect and a wrong debt- I called the collection company months and months calling everyday asking them to email me or fax me or mail me a copy of this bill any information regarding this bill that never happened, I disputed it they said I have to send them proof of insurance I did, I was given the wrong email over and over again. They never gave me a bill/ never gave me their email address to send them my insurance proofing I been having insurance and this is not my BILL that was something not covered by my insurance as my insurance was never ran.
I finally spoke with manager they gave me a wrong email again, I called her back demanding her to send me an email so I can reply back to the email and send my insurance information ( I sent proof of insurance since XXXX ) then still they did nothing they refuse to remove this from my credit, they refuse to do ANYTHING regarding this issue, I disputed it with XXXX 5 times so far it comes back as accurate however when I call them asking them how is this accurate they said they have no information.
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| 02/12/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This account {$340.00} for CommonWealth Financial for XXXX XXXX XXXX XXXX showed up on 2 of my credit reports XXXX and XXXX. It was from 2012 apparently and supposed medical bill. This collection account was purchased from XXXX XXXX XXXX XXXX and then sent to Commonweath Financial. I disputed said account as it only had my name and nothing else. I made calls for about 2 weeks and unable to actually verify debt. When disputing with credit bureaus Commonwealth advised debt is verified but there is no social security number, address has never been mine or the phone number listed. When you see my address on letters from CommonwWealth is because they got it when I disputer with credit bureaus. When I sent in verification of debt with Commonweath they only provided what was sent to them from XXXX XXXX. I have never once received an actual statement or bill regarding this and refuse to pay it. I think it is a shady tactic for collection agencies to throw these accounts on credit reports when debts are 7 years old to try and force someone to pay something that cant be verified other than a name. I have spoke to XXXX XXXX as well and they cant even verify anything outside of my name.
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| 08/20/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received an alert today from my credit monitoring service. Collection agency COMMONWEALTH FINANCIAL, date reported XX/XX/XXXX, original balance {$520.00}, account number XXXX. Contact information not reported, XXXX XXXX XXXX XXXX XXXX, PA XXXX. First delinquency XX/XX/XXXX. Its being reported by credit bureaus.This is clearly not me i have never received any written notice of collection or proof of verification & validation required by the fair debt collection act. Furthermore there is no phone number for me to call & speak to a real person. This debt has already been disputed & removed from my credit report with a different company for the same amount. I also have proof that there was no previous collections on my credit report in previous months. I 'm in the middle of buying a house & this has dropped my score over 70 points & making it impossible for me to close. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
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| 10/09/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Debt collector called trying to collect a 7 yr old debt ... refused to send me a verification of debt letter so that I can prove they are a legit company ... would not give me the company name or address which I found through research ... threatening to sue me and freeze my bank account and put lien on my truck, taxes and garnish wages ... all I asked was a lettier proving the debt and she refused and informed me Im going to be sued ... I offered to pay the debt in monthly payments but I need verification of the legitimacy of this company which they are unwilling to provide ... I should be entitled to a document to look over to prove this ... if legit Im willing to pay my debt as I should..I have rights through the Federal Fair debt collecting practice Act and they have violated my rights..first off by not sending me a verification of debt notice that would give me that chance to prove the authenticity of this company and debt ... I do not feel comfortable giving them a payment over the phone when they wont send me anything to verify who they are ... Im trying to protect myself from possible scam and I feel I have the right without being threatened if I dont pay today
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| 09/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Commonwealth continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted commonwealth is failing to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform Commonwealth that these accounts do not belong to me and are a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
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| 02/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Received a notice on my credit report that a collection from Commonwealth financial systems was added to my account stating that I owed {$80.00} on an account. I had not received anything in the mail or spoken to anyone about this collection. I called the debt collector and spoke with XXXX XXXX and asked for Validity of the account. The representative stated he will be glad to send it to me. I received the information in the mail, with the letter being dated for XX/XX/XXXX, it did not show validity of the account only stating what I owed. From my research this company is not bonded to collect in the state of Texas. I pursued on XX/XX/XXXX to contact XXXX on this matter. I asked for the Bond number but XXXX stated that he did not have to give me that information, that it had nothing to do with me. He continuously repeated that they are bonded in the state of Texas and that is why they are contacting me but still refused to give me the information that I asked. I even asked if it could be under a different name, he said that this matter did not concern me and told me to have a nice day. From my research Commonwealth Financial Systems is not bonded in the state of Texas.
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| 11/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XX/XX/XXXX ( see attached letter ), I sent Commonwealth Financial a certified, with return receipt letter requesting that they provide competent evidence to substantiate any legal obligation I had to pay them. They did not provide any validation to justify the erroneous, inaccurate, unverifiable entry they are reflecting on my credit reports. I then attempted to contact them again ( see attached letter dated XX/XX/XXXX ). I again recapitulated the letter I had previously sent them in XX/XX/XXXX. In this letter, I requested that they provide me HIPPA authorization, payment agreements, proof that they have the authority to collect this alleged debt and proof there is some contractual obligation which is binding me to the alleged debt.
To date, they have not provided me with any information nor signed documentation, a clear accounting of the alleged charges as well as history of payments. This company is violating various statutes and laws in particular FCRA, FDCPA, FACTA, and FCBA. It is obvious and apparent to me that this information is incorrect and they do not have any evidence to substantiate their reporting. This entry must be deleted from my credit profile.
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| 09/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Back in XXXX sometime I started looking into my credit files more due to wanting to buy a home. I was shocked to find a few items still reporting or reporting at all. So I got to working fixing paying, disputing anything that was wrong which was this account but with another collection company at the time so I disputed it and it came back as deleted due HIPPA LAWS and other info could n't be verified. Now the same account but with a New COMPANY has reported against me XX/XX/XXXX with no letter or statement or simply saying that company has that account. So I tried calling the company after googling the number and the people are rude as all heck and they wont give you any info except for its a past due amount from when you in the hospital or something about the hospital, could n't understand her that well. I disputed it on the XX/XX/XXXX also through XXXX and today XX/XX/XXXX very next day right I dispute this, Commonwealth Financial Systems reported against my credit for late payments! how can I be late on payments when I never had payments nor with this company! How can they report while I 'm disputing this? Plus I have had my name and SSN used so much in the past.
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| 01/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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For a year of working hard paying my bills to improve my credit score on XXXX I noticed multiple alerts from my XXXX account someone has my Social Security number for The dark web.
On XX/XX/XXXX I got an alert stating that my transfusion credit report dropped by over XXXX points and it was due to a company by the name of Commonwealth finance in Pennsylvania put a collection balance on my report in amount of {$300.00}. I proceeded to contact the number on my report to find out it was a collection agency stating that this was a balance from 2015 from a hospital visit which was not my account and is completely incorrect. She was rude disrespectful and will not provide me with some type of proof that this was legitimate I did a little bit of research online this company seems like it does this to consumers and when you go online they actually have a service to take the information off of your credit report for a fee and its the same company as the outfit that is the Collection agency commonwealth finance that put the information on my report, this agency which completely looks like a scam Multiple complaints online. Ive reached out to transfusion and I submitted a
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| 04/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was contacted by COMMONWEALTH FINANCIAL SYSTEMS, in late XXXX I received a bill stating that I owed a dept dated XX/XX/14 to the XXXX XXXX XXXX XXXX for over {$490.00} something. I called the number provided and informed the women I was confused about what was going on. They told me I went to the ER that date and I had an unpaid medical bill from then and that I needed to pay it. I told them I have been to that ER before but it was years earlier and definitely not that date. I told them that it was not my debt and there must be a mistake. I requested proof of the debt an EOB or any paperwork to prove the debt was mine or give any additional information. The women hung up on me and I have not heard from them again and I did not receive any paperwork from them at all. I was notified today that they have added the collections to my XXXX report. I take great pride in my credit and worked hard for the XXXX score I have maintained and I will not allow this company to fraudulently ruin my score. I have disputed the report to XXXX but their methods of doing business and the frivolous nature of their actions are reprehensible and should not be allowed to continue.
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| 05/03/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I check my credit report atleast 2-3 times a week. I logged into my XXXX XXXX Saturday XX/XX/XXXX and notice a new collection from common wealth financial in the amount of {$1600.00} that was opened XXXX XXXX from an original creditor called XXXX XXXX XXXX Monday XX/XX/XXXX I called common wealth financial ( XXXX ) XXXX and asked for information about the bill considering I never received a letter, a phone call a medical bill or anything to inform me of a bill that could possibly be sent to collection and have not been to any dr office nor had any medical attention that wasnt covered by insurance over the past few years and they stated they couldnt retrieve the information for me without paying {$1.00}. I paid the {$1.00}. And then he told me I had to pay XXXX for the information and another XXXX to create a membership with them in order for me to retrieve information about the bill. I immediately told them I wasnt giving them any money and hung up worried it was a scam. I later check my bank and notice 3 different charges of {$1.00} was taken without permission. I contacted customer support and they werent any help and wouldnt give me any information either
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| 09/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter in the mail about Commonwealth trying to collect a debt in the amount of {$920.00} back in XX/XX/XXXX. After I received the letter I responded in telling the agency that I didnt recall using medical services and if they could verify then I would pay the alleged debt. ( Some kind of contracts, signatures ) Commonwealth responded back XX/XX/XXXX with itemized statement, which I didnt think was appropriate. I then contacted the credit bureaus ( XXXX, XXXX, XXXX to notify of dispute. In XX/XX/XXXX I received a letter from XXXX stating the debt was updated. I then responded with a letter to determine method of verification from XXXX & also Commonwealth. XX/XX/XXXX XXXX sent me a letter and Commonwealth had been deleted from my credit report. Commonwealth is now as of XX/XX/XXXX trying to collect on this debt and has not verified this debt with me or the bureaus. I am also suppose to be notified of information that was once deleted off of my credit file. Commonwealth has also changed information with collection I will also send documentation to support my claim. In my new credit report they are not reporting the same nor correct information.
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Common Wealth Financial Services has not provided legal validation of this debt and has not provided any signed contractual obligation which is binding on me to pay this debt. What constitutes legal debt validation is the following : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.
None of these items have been presented to me.
Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.
Since you have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
This is inaccurate reporting. Please remove it from my credit report.
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| 10/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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There wasn't an exact fitting reason in the options, but here 's the details.
Commonwealth keeps resubmitting this XXXX debt, showing the same creditor & the same amount of {$860.00}, repeatedly as new. Every year for like the last 4 years they submit it then remove it, & add again a couple or few months later as new all over again. Before, about 2 years ago, XXXX had it listed on the report that it's removal was set for removal in early XXXX. I changed my monitoring services early last year and lost access to all the previously pulled reports that showed how many times they've done this. I truly feel it's cruel of them to do this every year because with New accts hurting credit worse so this's hurt mine many times unfairly. Dropping my score between 70 & 100 points each time. I filed the info with XXXX, even including the screenshots I DO still have showing it in XX/XX/XXXX and then removed last winter just to be filed again this XX/XX/XXXX as a newly opened account again. At least showing a little history of what this company has been doing. But XXXX completed the dispute by only fixing the date opened by one month. Not the 4+ years it's actually been.
|
| 08/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Commonwealth Financial Systems is violating FCRA by changing delinquency dates on collections posted on my credit report. Not only that, but they are NOT licensed to collect in the states of Florida. According to the Florida XXXX XXXX XXXX XXXX their license has been revoked/voided, on XXXX/XXXX/XXXX. All XXXX credit bureaus report delinquency dates that are all different on most of the multiple collections on my report. XXXX says XXXX XXXX, XXXX XXXX says XXXX XXXX, and XXXX XXXX XXXX. There are also multiple duplicate collections for the same amount on them as well. recently they tried to add a another collection for {$830.00} with the delinquency date for XXXX XXXX, this is a re age of a account already posted for a delinquency year of XXXX. They added this to all XXXX credit bureaus also, and I do n't owe it, period. I contacted XXXX on XXXX/XXXX/XXXX and they removed XXXX out of XXXX collections over the phone from these fraudsters. They seen that these accounts were suspicious, and claimed that they had several complaints about this company. The only collection they could not remove was the {$830.00} they re aged, this is slated for removal on XXXX.
|
| 04/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have sent Commonwealth Financial Systems Inc. Two debt validation letters. I sent one on XX/XX/XXXX via certified mail that was received by Commonwealth Financial Systems Inc. on XX/XX/XXXX. They sent me a letter that I received on XX/XX/XXXX that simply stated that I assume debt if I do not reply within 30 days. In response I sent another debt validation letter on XX/XX/XXXX. They received the letter on XX/XX/XXXX.
Today ( XX/XX/XXXX ) I received a letters for 3 different accounts each with the copy of an invoice. There was no validation documents sent.
In every letter I requested seven documents to validate debt.
1. Agreement with the creditor that authorizes you to collect on this alleged debt.
2. The agreement bearing my signature stating that I have agreed to assume the debt.
3. Valid copies of the debt agreement stating the amount of the debt and interest charges.
4. Proof that the Statute of Limitations has not expired.
5. Complete payment history on this account along with an accounting of all additional charges being assessed.
6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent
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| 02/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Debt collector against whom this complaint is being file : Commonwealth Financial Systems Inc XXXX XXXX XXXX XXXX, PA. XXXX XXXX XXXX Unwarranted negative reporting to debt collection agency : XX/XX/2018 XXXX Complainant : XXXX XXXX XXXX ( maiden name : XXXX ) SS : XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX Tel : XXXX Cell : XXXX Paid under duress : {$540.00} Alleged account number : XXXX Date of debt : unknown Hello, Please help me. My credit monitoring company informed me that Commonwealth Financial Systems had reported a negative account of an alleged debt that was in collection.
I immediately called and they said it was a medical bill ( which sounded possible, but not sure what it was ). I never received notice of any kind from the collector. The company prematurely put this negative item on my report.
According to commonwealth Financials representative, in order to delete this item from my report, I needed to pay the account in full. My credit report was in essence held XXXX to the companys will. I paid the bill under duress without notice, demand, verification or communication.
Please discipline this company and have my money returned.
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| 01/20/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " Commonwealth Financial '', I contacted them several times to dispute this account that had been closed. Commonwealth did not respond to my debt verification disputes for the past few months. Commonwealth resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly Integrity Solution Services ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. Commonwealth has been ignoring my mail correspondence regarding the validation of this debt, and sold it again.
Now commonwealth financial systems is reporting again with a new account number for the previous deleted collection.
New account number : XXXX Old account number : XXXX
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| 09/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The XXXX XXXX XXXX XXXX sent a letter to me on XXXX XXXX, XXXX regarding an alleged medical debt.
The company stated in the letter that unless you notify this office within 30 days after receiving this notice, that you dispute the validity of this debt or any portion thereof, this office will assume the debt is valid.
**THEY DID NOT GIVE ME THE 30 DAYS REQUIRED to dispute, before they added this debt to my credit report on XXXX I immediately reported this company to the BBB who received a comment from the company that they world refer this debt back to it's partner XXXX XXXX XXXXXXXX XXXX XXXX XXXX
I also called the company on XX/XX/2020 and disputed the validity of the debt to which I was advised it would be taken care of by referring it back to XXXX XXXX XXXX XXXX XXXX ** but did not remedy me by removing the information it has placed with the credit bureaus. *** I disputed the collection account with Experian who just sent me a message saying they verified the debt and will not be removing it from my report. I challenge this as I believe the company has violated the Fair Debt Collection Practices Act as well as the Fair Debt Reporting Act.
|
| 05/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX of XXXX, I received a negative report on my credit report. I filed a dispute with the three consumer reporting agency 's and contacted Common Wealth Financial Systems to let them know, that they have the wrong person. My name is not ( XXXX XXXX XXXX ). The Employee at Common Wealth Financial Systems said it was a mistake and they would remove it. The Three credit companies removed the negative report on my credit report.
On XX/XX/XXXX i received a statement from Common Wealth Financial Systems & XXXX XXXX XXXX, XXXX. whom sent an itemized list of the bill in question. The individual XXXX XXXX XXXX lives in XXXX Tx.
XXXX XXXX XXXX : Born XX/XX/XXXX XXXX XXXX XXXX : Phone # XXXX XXXX XXXX XXXX XXXX XXXX : Hospitalized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX XXXX : Charges {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX I am contacting the Consumer Financial Protection Bureau to help in this matter. These two Incompetent XXXX Companies have the wrong Person, Name, Address, City, Age, Phone #. I would like for CBFP to investigate these erroneous illegal acts from these two Companies.
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| 11/16/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In response to my previous filed complaints the incompetent XXXX XXXX, Legal/Compliance Dept is still using deceptive and stall tactics. This company is very shady and operates on lies.
Her response is she needs the last 4 digits of my social security number and my birthday in order to locate a record.
Obviously, she does not need the last 4 digits of my social security number nor my birthday to locate a file because they already placed this account on my credit file without speaking to me and without sending me a dunning letter. I never confirmed my social security number with them so why was it placed on my file?
Furthermore, in my previous complaint, I attached a copy of my credit report which shows the account number the company used for the record. So why is it you can't pull my record with the account number your company used to place the debt on my file?
XXXX XXXX stop using stall tactics because your company XXXX up!!!! I will sue the pants off this company!
The last 4 digits of my Social Security # XXXX and birthday XX/XX/1982. Now use it and remove this frivolous debt and your company has already violated my consumer rights.
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| 06/10/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was alerted that my credit score decreased. I looked up the information at XXXX and called Commonwealth Financial Systems on XX/XX/XXXX. They refused to verify the debt and said they had sent me a statement when they absolutely had not. As they refused to verify the debt, I asked for their license number and was then transferred to a manager who also refused to give me the license number to collect in Virginia and also refused to verify the debt. IOn XX/XX/XXXX, I sent out a certified letter requesting verification and have not had a response. Additionally, I have disputed the information with all 3 credit bureaus. In the meantime, Commonwealth Financial Systems flags my credit every single week, which I believe to be a retaliatory measure. Further, I have tried to contact the original debtor, XXXX XXXX of Virginia, and the company has no contact information other than an address ... no phone number, email, or webpage. As CFS refuses to verify the debt, I have no date of service, doctor, or any other way to confirm this debt on my own. I have no knowledge of this account and I don't recognize XXXX XXXX as ever being involved with my care.
|
| 01/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XX/XX/XXXX I received notification of 4 collection accounts placed on my Credit report by XXXX XXXX XXXX, which lowered my score 44 points! Having never heard of these people I disputed the debts. The date reported to CRA as acct open date was XX/XX/XXXX. The debts appeared to be from XX/XX/XXXX hospitalization, which insurance covered to my knowledge. I disputed debts thru CRA and all were removed in XX/XX/XXXX. In XX/XX/XXXX I again had a major score drop and upon checking Commonwealth had again placed these collections on my report plus added another one. The date reported as opened now says XX/XX/XXXX. I again disputed but this time CRA verified. I am curious as to how this previously removed debt with an added amount can be verified. Date changing is not allowed by law. Commonwealth has made no effort to provide me any documentation verifying this debt or original date incurred to OC. In doing research I have discovered it is unlikely an OC " assigned '' the debt to Commonwealth as they are junk debt buyers with numerous complaints against them for violations of FCRA and FDCPA. Can you help with getting them to comply with laws?
|
| 09/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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According to a credit report I received on XX/XX/2020, Financial Commonwealth Systems, address listed as XXXX XXXX XXXX, XXXX XXXX, PA XXXX, phone listed as ( XXXX ) XXXX has falsely reported that I missed payments and am now in collections.
I am unaware of any outstanding or unpaid debts to this creditor. I have not been notified in writing or by phone of any late or returned payments. I have been making regular payments to XXXX XXXX XXXXXXXX XXXX XXXXXXXX since the account was opened. It appears as though Financial Commonwealth Systems has assumed the account but I never received notification or request to change payment address to this new assignee.
I am unaware of Financial Commonwealth Systems and I did not open an account with this agency on XX/XX/2020, as reported on my XX/XX/2020 XXXX Credit Report.
I have sent written notice to this agency demanding they amend the credit report and have also filed a dispute with XXXX.
Account # with the prior creditor ( " XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ) is listed as XXXX.
I have received no written notices from Financial Commonwealth Systems regarding late or missed payments.
|
| 01/13/2023 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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On XXXX XXXX I had a notification that a new mark was established on my credit report from a company I had no idea about. No previous call ( All calls are answered and have not missed a call in over a year as the number called goes to a 24/7 dedicated phone team who answers and records all calls ) This is for a XXXX $ charge that has already been paid for and can not be verified but they would not provide an email to send this over to or even verify the debt. I could not obtain a name, email or direct number as I would just be passed to another manager.
I am trying to buy a home for my family right now and as were getting started I now have a negative mark for a medical bill on my credit report bringing me out of range for purchasing a home. XXXX points for an error that cant be verified or asked upon Simply had they even reached out to see if this was paid or not, this could have been handled without affecting the life of another.
The walk in clinic in question has confirmed our account is XXXX as our state insurance covered everything in XXXX Maybe this was never submitted to our insurance but we already paid this anyways
|
| 12/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
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On XXXX/XXXX/XXXX XXXX XXXX notified me of new accounts placed for collection. When I checked my mail, there was a letter from Commonwealth Financial Systems regarding a debt they purchased from XXXX XXXX XXXX, of which I have never received any correspondence. They have listed 3 items, from XXXX and XXXX, 4 and 3 years ago, respectively, and I am unaware of these charges. I 'm trying very hard to get my credit fixed and my score back up, and this was a shock to me. I also have a negative comment from the XXXX XXXX for XXXX XXXX XXXX, and I have n't even walked into that place in at least 15 years, so I have no idea what this charge is for because I do not use the clinic or any of it 's doctors or services. I 've been trying extremely hard to keep any and all medical payments made and kept current, so I 'm very surprised about these bills because I had no prior knowledge. I 'm also very upset that Commonwealth put this into my credit report immediately instead of sending me prior correspondence to let me know about it so that I could see what it was even for. Thank you in advance for any assistance you might be able to give me.
|
| 03/30/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
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Web |
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A collection was initiated for an emergency room bill from XXXX XXXX XXXX XXXX in XXXX XXXX, Florida that occurred in XXXX XXXX. The billing should have been for my daughter XXXX XXXX who was not my dependent at the time and not living in my home. I have never received a bill for the debt. XXXX XXXX XXXX XXXX billed me by assigning my social to my daughters name XXXX is XXXX/XXXX/XXXX and last XXXX of social is XXXX. My name is XXXX XXXX and DOB XXXX/XXXX/XXXX. This has shown up on my XXXX credit report for the last 3 years and been cleared by disputing it. Now XXXX says that they have checked with Commonwealth financial systems and it is my debt.
I called on XXXX/XXXX/XXXX and spoke with XXXX at Commonwealth and he assured me that the situation would be rectified. As of XXXX the dispute says that Commonwealth Financial Systems confirmed it is my debt. I did speak with XXXX XXXX at Commonwealth who wanted me to send copies of my social security card and drivers license to them to verify. I will not give out my information to them as they are the ones that made the error and I am concerned about them breeching my privacy again
|
| 12/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I have had a collection placed on my credit report that I have never been contacted about and have no knowledge of. I've requested written proof of the debt and have received nothing or any explanation of how any debt was incurred. I've disputed with credit bureaus one of which has already removed. XXXX however has not removed the false information with no reasonable explanation. details include : COMMONWEALTH FINANCIAL SYSTEMS XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1200.00} past due as of XX/XX/XXXX.
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1200.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1200.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount Contact Info ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, PA XXXX They are required by law to provide written proof of said debt. They won't provide any information and simply ask for money that I do not owe.. This account is stated to be from emergency room doctors I HAVE NOT BEEN IN AN EMERGENCY ROOM IN MORE THAN 10 YEARS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
|
| 07/17/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
On or about XXXX XXXX, 2016, I received a collection letter from Commonwealth Financial Systems for {$120.00} ( offering to settle for {$95.00} ). The original creditor was listed as XXXX XXXX XXXX XXXX. This is not a debt that I recognize nor do I have records of any collection attempts by XXXX XXXX.
My credit history reflects a pattern of timely debt payments ( credit score being XXXX ).
This collection letter concerned me and I immediately responded via phone call to Commonwealth and followed up with a letter to Commonwealth requesting documentation of verification of the debt. This response from me to Commonwealth was well within the 30 day timeframe required to dispute the debt.
To date ( XXXX XXXX, 2016 ), Commonwealth has not responded to me with any additional information or documentation. However, they have reported the collection to credit reporting agencies. This reporting by Commonwealth has resulted in a significant drop in my credit score ( from XXXX to XXXX ).
Commonwealth has not provided any verification of the debt despite my request for verification. I want this issue resolved in a timely manner.
|
| 09/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 this collection account in the amount of XXXX appeared on my credit reports. Commonwealth financial is the collection agency. The address on file is XXXX XXXX XXXX XXXX XXXX, PAXXXX Phone number listed is ( XXXX ) XXXX I immediately called and asked about the debt requested verification of the debt and gave my updated information. They told me two weeks to get the letter. No letter arrived. So I sent a certified debt validation letter to the above address on XX/XX/XXXX. The letter was received on XX/XX/XXXX and I have the confirmation of delivery.
It is now XX/XX/2021 and I have received nothing requested. I disputed this account with the credit bureaus also. And commonwealth responded to them. Not me.
One, this debt is not mine. Id know if I visited any emergency room and I have not. I want to see my signature on a document dated stating I owe the debt to the original hospital or drs office.. I want a detailed list of services supposedly rendered and I want to know why I was not contacted in any capacity prior to this going on my credit report. So I could report it for what it clearly is. Identity theft.
|
| 04/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I've disputed through XXXX, multiple times about medical debt with company " Commonwealth Financial Systems '' I did my dispute through XXXX XXXX, and since the most recent update I am unable to view the past dispute dates. However I do check my " score/report '' update every 1-2 weeks. I've ask XXXX to verify that all of the account information. Ever since I've disputed a few months ago ( the first dispute starting around XX/XX/XXXX ) the collections account will be deleted and re-added at random intervals. The amounts vary between $ XXXX {$2000.00} ( The current amounts are ( a ) {$1500.00}, ( b ) {$1500.00}, ( c ) {$1100.00} ).
" A '' was reported onXX/XX/XXXX " B '' was reported on XX/XX/XXXX " C '' was reported on XX/XX/XXXX It's just frustrating when I dispute and get the issue resolved just to have it return as a " new '' collection within the next month. My credit keeps taking hits because of this.
*I 'd also had the same issues with XXXX but the amounts were assigned to a different collection agency ( they havent been reported again after dispute ) * **The same information is being reported to XXXX as well**
|
| 03/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I finally got the information as to why I have a charge from the company Commonwealth Finance XXXX XXXX XXXX XXXX PA XXXX that is just now being placed on my credit report from back in XXXX it's XXXX over 5 years old now from a XXXX XXXX emergency physicians office they stated to me it has to do with my daughter I'm XXXX I have Medicare Medicaid I'm fully covered as well as my daughter information at the time if she even saw them at that time was given to them however I'm assuming they didn't file for the payment until XX/XX/XXXX in which over 5 years ago I'm guessing Medicare Medicaid doesn't go back 5 years for medical billing issues she still is fully covered so I'm not understanding why they didn't file at 5 years ago why they didn't try to file it in a timely manner which is not my fault at all however it would appear that they're still trying to get me to pay for services that was covered by a medical insurance that she still has and that I still have it sounds like a their problem however they're now just now attaching it to my credit report and has put my credit in the toilet because of their incompetence
|
| 12/04/2022 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company has continued to put a medical bill that belongs to my daughter whom was the age of XXXX on my credit report I have constantly had to dispute to have removed on many occasions I have also called them and they told me that they were gon na keep going after me although they know it belongs to my daughter they got my information as she was on my insurance my insurance paid the portion the rest of the bill would belong to my daughter not me when I spoke to them they were very rude and threatened that they would put it on my credit and they have four times now and I keep having to spend time filing disputes with credit bureau and they have kept removing it just because someone is on your insurance should not allow company to have my information and try to charge me for the bill specialty when they patient is a grown adult age XXXX and they dont even have it on her credit report and also was not around when she went to the hospital I have not authorized the hospital nor any other to have or use my personal information especially my social security number and now they have also mailed to my current address
|
| 03/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Lets see where can I begin, first and foremost, these debt collectors think they can magically pull over a fast one over me. I recently decided to check my credit score to find that a new collection had been added to collect on a debt that was never mine to begin with thus dropping my score down to 25 points because of this injustice. XX/XX/2018 commonwealth financial systems decided to collect for the amount of XXXX first I never was sent anything over the mail regarding this debt or my right to dispute this which is a violation of the fair credit reporting act. second buying from another debt collector doesnt mean you can scam me. I have monitored my credit report on the daily to mysteriously find that the numbers from the previous debt collector XXXX matches ( XXXX XXXX ) ring a bell? Again I refuse to give my information out in the open to be scamed. you debt collectors are getting very sloppy which is ultimatley going to end up with you being sued big time. you are getting information about me without express consent. i will be sending this to my lawyer in the meantime for him to look at while we are at it.
|
| 11/02/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Commonwealth Financial is reporting on my credit report fraudulently in the amount of {$920.00} : * Were you named on the original contract with the original creditor?
* If not, do you have a contract between your company and me, signed by both parties?
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?
Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
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| 12/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In late XX/XX/2021, i Received a letter dated XX/XX/2021 from XXXX XXXX Claiming to represent Commonwealth Financial Systems Inc.
The letter alleged a debt which i do not owe.
This collector is fraudulently attempting to collect debt I don't know by using coercive tactics.
Commonwealth financial systems has reported the debt to the XXXX major credit bureaus without giving me an opportunity to respond within 30 days.
As i file this complaint the 30 day period which is required by the law for me to respond to the letter has still not elapsed yet.
i have already sent a letter of dispute to commonwealth financial systems inc., XXXX and XXXX and attached copies to this complaint.
XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law.
XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law.
Both XXXX and XXXX and Commonwealth Financial Systems are in gross violation of my rights.
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| 07/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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Upon checking my credit report, in both XXXX and XXXX I came upon a debt for {$610.00} on an ambulance charge with XXXX XXXX XXXX as the original creditor. The opened date was XXXX XXXX, XXXX and the last reported date as of XXXX XXXX, XXXX. I believe this debt to not be mine as I do have medical insurance through my employer and have not had to use an ambulance service but my insurance would have covered it if I did. I do have other ambulance service debts reporting on my credit report, however they are being reported by XXXX XXXX XXXX XXXX XXXX as the original creditor and the opened date is from XX/XX/XXXX and XX/XX/XXXX, but is being collected by another debt collection agency. I have disputed the debt with XXXX but have not with XXXX at the moment. I have also not received a verification of the debt by letter from the agency collecting this debt and had tried to call the number provided on my report but it states the voicemail is full. I also tried accessing the website but when providing my information such as, name, zip code, and last XXXX of my SSN, it states they are unable to find my information.
|
| 09/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
2 days ago I was notified by my XXXX app there was an account listed for unpaid for XXXX. I called and inquired information from XXXX, I was able to locate the company out of PA ( common wealth financial ) the lady asked me to pay the amount owed, I told her I did not believe the debt was mine from 2017 because I never went to a doctor in XXXX. I have managed to build my credit to XXXX in the last XXXX years I never pay anything late and XXXX aware of anything I XXXX have owed. They have caused fraudulent information on my account causing it to go down XXXX points.
XXXX the account XXXX at common wealth financial then told me if I couldnt pay XXXX to pay XXXX, or XXXX to settle it. I believe this is a scam because I have successfully disputed any old medical bills during Covid time, I believe they XXXX have bought false information in order to take my money. My lawyer and I asked for proof of payment/ bill I never received one, and it shows negative for XXXX. I have filed fraud with my credit advisors, as well as let the company know this is not my debt. I was instructed to file with the ftc.gov as well.
|
| 06/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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|
I recently checked my credit report and found debts from a debt collector called Commonwealth Financial. First and foremost, I have never received any form of phone calls or letters at all from this company stating that I owe debts to them. I have never spoken to anyone from this company either. So when I saw Commonwealth Financial has listed the open date for these debts on my report as XX/XX/2018, I was thoroughly alarmed. This debt was originally owned by XXXX XXXX XXXX as it states on my credit report. I have not visited any form of hospital or medical facility in many years. I believe, Commonwealth Financial has violated my rights under the Fair Credit Reporting Act by purposely re-aging my debt and making the statute of limitations longer without ever contacting me at all. I am not 100 % sure what year I last visited a medical facility, but what I do know for certain is that it was not this year. So if they did re-age my debt, Commonwealth Financial can sue to collect a debt that may be so old that it should have been time-barred. This is an injustice occurring all too recently with debt collectors.
|
| 10/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
Commonwealth Financial is a collection agency. The placed a major derogatory collection account on all three of my credit reports for {$1000.00} for some unknown medical fees. I contacted them via letter requesting all information concerning alleged debt, such as who the original creditor is, address, contact info, etc. All they could provide to me was their own computer print-out with no description of any kind as to what services were provided and by whom, and no other information whatsoever. The supposed services were from XX/XX/XXXX. I contacted them again by phone on XX/XX/XXXX and spoke with " XXXX ''. He could provide no further information, saying only that the medical group or original creditor had written off the amount a few years ago and that XXXX XXXX was now the owner of the written-off debt. I was then told I needed to file an ID theft complaint and a police report. I did that and faxed it to them. Commonwealth and XXXX XXXX are notorious shake-down operators that attempts to extort money from persons by damaging their credit until you pay them off. They should be shut down and put in jail.
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| 11/25/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
|
|
Hello, There are several items on my credit report that are fake and are listed multiple times, by a collection agency called NORTHEAST CREDIT & COLLECT. In 2010, my husband and I were hit by a drunk driver. Our medical bills were paid in the settlement, yet this company continues to illegally place these false items on my credit report and list each fake charge multiple times, in order to destroy my credit. This is in violation of FCRA laws.
They have never contacted me prior to submitting this false information to XXXX and have been unable to produce any evidence as to the validity of these multiple charges.
In 2010, my husband and I were hit by a drunk driver, yet all of our medical bills were paid in the settlement, by XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Our representing attorney was XXXX XXXX.
These charges that our now showing up on my credit report however are completely fake, with made up numbers. Each month I dispute them and each month they fall off ( because they are not real charges ), but the collection agency retaliates by relisting each charge multiple times, in violation of FCRA laws.
|
| 07/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXXa correspondence was sent via certified mail along with an Affidavit of truth/Identity to Common Wealth Financial Services after receiving an alert on my credit report in regards ta an alleged account ( # XXXX ) a medical account that was originally established between XXXX XXXX XXXX XXXX on/or about XX/XX/XXXX. By it being a medical account I requested verifiable proof of them having original contract between myself and their company with my wet-ink autograph ; the contract with myself and XXXX XXXX XXXX XXXX signing giving permission to disclose such private info as it violates HIPPA of XXXX/ FDCPA 807 [ 15 USC 1962e/ Sect. 609 ( a ) ( 1 ) ( A ) ]. Haven't heard anything from them since and their mark on my credit file is damaging. I informed them that if a fair resolution isn't reached then legal matters will entail. By way of Notice of Fault & Opportunity to Cure, Affidavit of Notice of Default, and Affidavit of Certificate of Non-Response will follow and will follow with legal matters and ask for jury trial to remove from small-claims court jurisdiction to obtain larger settlement.
|
| 08/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My XXXX certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer. So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me. As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.
|
| 08/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
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Web |
|
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Hello, There are several items on my credit report that are fake and are listed multiple times, by a collection agency called NORTHEAST CREDIT & COLLECT. XX/XX/2010, my husband and I were hit by a XXXX. Our medical bills were paid in the settlement, yet this company continues to illegally place these false items on my credit report and list each fake charge multiple times, in order to destroy my credit. This is in violation of FCRA laws.
They have never contacted me prior to submitting this false information to Equifax and have been unable to produce any evidence as to the validity of these multiple charges.
XX/XX/2010, my husband and I were hit by a drunk driver, yet all of our medical bills were paid in the settlement, by XXXX XXXX XXXX XXXX XXXX. Our representing attorney was XXXX XXXX.
These charges that our now showing up on my credit report however are completely fake, with made up numbers. Each month I dispute them and each month they fall off ( because they are not real charges ), but the collection agency retaliates by relisting each charge multiple times, in violation of FCRA laws.
|
| 01/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received an update on my credit report that I had a derogatory account, the company named was Commonwealth Financial. There was a phone number and so I called to speak to an advisor, he said that my phone number was not linked to the account, the representative a XXXX XXXX, then took my my DOB, he then said it was a debt from XXXX, I asked him several times if his company had tried to contact me prior to the derogatory charge being put on my account, he initially hung up, I called back, he proceeded to call me by a different first name till I corrected him, I asked for a copy of the recording and he refused, he finally admitted that the company had not sent any letter or attempted to contact me prior to putting the derogatory charge upon my account. He said a letter would be sent today and I would receive it within 5 days. The outstanding debt was with my travel insurance company and o have sent this information to them in XXXX and have heard nothing until todayXX/XX/XXXX, I have a few concerns, one can they place a derogatory charge without any attempt to contact me, is this practice legal??
|
| 06/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
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On XX/XX/XXXX, a letter was sent from Commonwealth Financial Systems alleging that I owed a debt in the amount of {$1100.00} due to a medical bill dated XX/XX/XXXX. This was a bill that I knew to have been paid on time, roughly XXXX years ago. I sent a letter via certified mail to the company stating that I was not responsible for this debt, and that they needed to prove that I owed it and cease all other communications.
On XX/XX/XXXX I received an itemized statement from Commonwealth Financial Systems, which again stated the current balance at {$1100.00}. At this point I called the company to state that I did not owe the money as it had already been paid years ago. The woman that I spoke to on the phone confirmed that my current balance was {$0.00} - confirming that I owed them nothing. I stated that I should receive no further contact from them, and she rudely ended the conversation.
If I have no balance owed with this company, why have I received two letters stating that I have a current balance of {$1100.00}? Is this not false representation of my account, as well as an attempted fraud?
|
| 10/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
|
|
I have paid three companies XXXX XXXX XXXX, XXXX XXXX. I have mailed proof to all three credit agencies that they were paid and its been 40 days with no response or action removing them from my credit report. I also found a derogatory false claim by commonwealth. I do not owe them anything, I do not know who they are or what they are claiming. I tried reaching them by phone they would not answer. They brought my score down XXXX points for something I don't owe. I have worked really hard to pay my debts and now I can not close on my home loan due to this derogatory false claim. I need your help to remove it. I also want the three credit agencies to remove what has been asked of them over 40 days ago. I also have my son XXXX XXXX listed on my credit report he has never applied for credit. I fear someone is using his name to apply. he is in XXXX correctional since he was XXXX years old. He has never applied for anything. Please help me get these false and derogatory reports removed such as commonwealth and the previous debts listed above that the credit reporting agencies have not bothered to do.
|
| 06/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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I began disputing the Commonwealth Financial entry on that is reflected on my credit report in XX/XX/. I retrieved a copy of my credit report on XX/XX/XXXX and noticed that they had placed an entry on my reports that was inaccurate, unverifiable and erroneous. The bureaus responded by stating the account was verified. To that end, I submitted a letter to Commonwealth as recent as XX/XX/XXXX. This letter was sent certified with a return receipt. To date, I have not received any correspondence from this company.
This baffles me as to how the credit bureaus were able to verify the information yet the company has not responded to my request? Further, Commonwealth placed this entry on my report without sending me a dunning letter informing me that they were attempting to collect a debt. Hence, did not allow me the opportunity to dispute the validity of their claim. Further violating my consumer rights. Too, I have never did any business with this company, never heard of them, nor have I signed any contracts with them.
DELETE THIS ERRONEOUS, UNVERIFIABLE, INACCURATE ENTRY FROM MY CREDIT REPORTS.
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| 06/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I call commonwealth financial to talk about why I had a collection. I did not receive A itemized list for what they say services I owe. I did not receive treatment from this facility. They do not have proof or a signature stating these service were indeed rendered to me. I disputed with them before and have yet received proof. They have not validated or verified that it is my debt. They hung the phone up in my face while I was trying to resolve the issue in a respectful manner. It should be on a recorded line. This would be considered verbal and communication abuse. I am asking that the be held responsible for there wrong doing and the collection be removed from my credit report asap. Please have them send me all bills, itemized list, my signature, any documents that may verify or validate this debt. If they do not have these all items they must be deleted from the credit report he also lied about what hospital it was from he said XXXX once I told I had not been to XXXX hospital he then said thats not what he said. I also would like a copy of their license to collect in the state of Texas.
|
| 05/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
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XX/XX/XXXX - I talked to XXXX XXXX from Commonwealth Financial System : PHONE # :XXXX about a debt collection ( {$980.00} ) on my credit report that is not mine. I asked Mr. XXXX what this debt was about and why it was in collections. He told me it was a debt from XXXX ( hospital bill ) so I tell him I have not been to a hospital what so ever that it was not my debt. Mr. XXXX proceeds to tell me " well if it was identity theft a credit card or loan is more common not medical bills, why would some one use your s.s for medical ''. Mr. XXXX than tells me " well if its not yours, you have to file a police report '' ; so I said okay! I'll do just that. Mr. XXXX continues and tells me " you know if you're lying to a police you can go to jail ''. I'm offended by this point because he's either trying to scare me or calling me a liar. I did not take that lightly what so ever. No one should be accused of lying by any means by " debt collectors '' ect ... ... I know my rights as well. We were in a recorded line so I'd like that to be taken into consideration from the company to review the phone call.
|
| 09/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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COMMONWEALTH FINANCIAL IS IN VIOLATION OF 15 USC 805. Communication in connection with debt collection. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I NEVER RECEIVED ANY TYPE OF NOTICE FROM THEM COMMONWEALTH FINANCIAL ASKING FOR CONSENT TO CONTACT ME NOR DID I RECEIVE ANY LETTER FROM THEM GIVING ME THIRTY DAYS TO DISPUTE THE DEBT.
15 USC 1692e 807. False or misleading representations.A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this.COMMONWEALTH FINANCIAL WITHOUT MY PERMISSION CREATED AN ACCOUNT IN MY NAME AND REPORTED MY SOCIAL SECURITY NUMBER, NAME, ADDRESS, WITH A FALSE AMOUNT AND WITHOUT AA CONTACT.THEY STOLE MY IDENTITY AND THIS IS A {$1000.00} VIOLATION.
|
| 08/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Good Afternoon & Happy Thursday! Listen, I was actually shocked when I reviewed my credit report & I found 2 medical collection accounts listed there from Commonwealth Financial Services or originally from XXXX XXXX. This is surprising to me because I never received any information in the mail or to give me the right to dispute the alleged debts before it was placed on my credit report. I called the company directly to resolve the issue and the Reps even mentioned that they don't even have my XXXX or other personal information pertained on my file. After several hours of going back and forth, as I don't want to waste any more time because I'm in the process of buying a house, i offer them to just pay both of them off and they agreed that they will be deleted before the XXXX of this month XXXX XX/XX/XXXX ). Please see the attachments for verification. Why they never sent me paperwork on this before so the consumer can dispute them? Isn't that my right? What type of information these hospitals are given to this third-party company about my healthcare report? Isn't this HIPPA violation?
|
| 05/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Finance solutions claims that they are following HIPAA Laws but they have not. Under HIPPA laws, the information that can be shared with a collection agency is limited. The information that may be disclosed to a collection agency includes the debtor 's name, address, Social Security number, date of birth, account number, payment history and the name and address of the health-care facility or provider. However, HIPPA laws do not allow the medical records to be submitted to a collection agency. The services a patient received are private, and those records may not be disclosed to a collection agency. This company sent me a copy of the health records directly from them. THIS IS A HIPAA VIOLATION AND I HAVE THE DOCUMENTATION TO PROVE IT. I also have credit reports dating back to 2014 where this debt was never placed on my credit nor have I ever received anything about this supposed debt. Companies are required to notify you before placing any acct in collections and I was never notified of this debt. Both HIPAA and FCRA violations have occured on this almost 7 year old debt.
|
| 02/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This Company Claims I have several accounts in their office which none have been validated even though I have sent several requests. This company further posted inaccurate information to my credit reports after changing account information. I have sent multiple copies of what is required of me to support my identity theft claim including and not limited to an FTC identity theft report. I have also reported this to the FTC XXXX knows they are in violation and has not handled this complaint correctly and defiantly not in accordance this FCRA or FDCPA. This company should not have posted any accounts to my credit reports without sending me information to request validation. XXXX knows is aware they have not followed compliance rules. Therefore, they changed account information. The account is not listed as a medical collection it is listed as a charged off debt. According to FDCPA XXXX must remove this inaccurate information which they know. Again, I have submitted valid proof of my identity theft claim which XXXX was in receipt of on XX/XX/2019 via certified mail and signature receipt.
|
| 12/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XXXX XXXX, 2017, I received notice from a credit monitoring service that a collection had been added to my credit reports. I was completely unaware of the alleged debt that they claim was originally owed to XXXX XXXX XXXX XXXX. The amounts they claim I owe are {$59.00}, {$61.00} and {$1400.00} respectively.
I never received ANY communication from them Commonwealth Financial Systems by phone or in writing stating that I owed this debt. They just " parked '' this debt on my credit reports probably hoping I would respond I thought I had to be given the opportunity to respond BEFORE they report it to the credit bureaus. I have never had ANY CONTACT WHATSOEVER with this company.
Parking an old debt on my credit reports while being less than truthful regarding how they acquired the debt and not giving me the opportunity to research and respond BEFORE they report it to credit bureaus is at best a bad business practice and at worst a violation of my rights under the FCRA and/or the FDCPA.
I did send a dispute letter to the credit bureaus ( attached ) disputing that I owe this debt.
|
| 04/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
XXXX XXXX XXXX had two accounts that need to be paid off. I contacted them to make arrangements and paid off the debt. The debt was for service in XX/XX/XXXX services totaling {$36.00} per service. XXXX stated the debt had been paid off, and nothing else was due. GREAT!
On XX/XX/XXXX, I received a debt collection notice from Commonwealth Financial Systems stating I owed XXXX a bill of service date XXXX for {$250.00} and added this debt collection on my credit report, which dropped my credit score 31 points. The two service dates for the service in XXXX was total charges due for service of {$36.00}. I talked with my same insurance company, which stated after payment from insurance, an additional adjustment was made. This process should be consistent with the XXXX service date.
I have talked with XXXX and waiting for a 48-hr return call. I do know the collection agent and XXXX have my incorrect address.
During the XXXX service date of XXXX, the service provider employee stole my wallet ( in transport ) with Credit Cards. This incident was reported.
Thank you for your attention.
|
| 12/05/2020 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
COMMONWEALTH FINANCIAL a collection agency has placed derogatory information on my credit reports. They attempting to collect on an alleged debt in the amount of {$360.00} for the client : XXXX XXXX XXXX. I have no knowledge of this account. I addition to that item there is another alleged account for the same client XXXX XXXX XXXX for {$510.00}. I have no knowledge of either of these accounts, and I NEVER received any notification from Commonwealth Financial that they were attempting to collect for these debts. I never received any correspondence from them in writing or otherwise nor did I receive a notice of my rights to dispute. They just place this information on my credit reports and damaged my records without due process ... ..process to include allowing me my legal right to dispute and / or request validation of these alleged debts.
They just violated the federal law and place information on my reports as if it were valid when in fact it is not. This is a violation of the FDCPA, FCRA and the Fair Credit Billing Act. With the possibility of a violation of the HIPAA Act
|
| 02/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern : I have three collection accounts on each of my credit bureaus from a collection agency named Commonwealth Financial Systems the accounts are as follows : XXXX, XXXX and XXXX : 1. Commonwealth Financial Date Assigned : XX/XX/2017 2.Commonwealth Finacial Date Assigned : XX/XX/2017 3.Commonwealth Financial Date Assigned : XX/XX/2017 Please be advised that I am disputing these collections due the fact that ; Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX Does not currently have a valid license in Florida to collect on debts. This information is stating that their license is currently Revoked/Voided according to Florida Office of Financial Regulations XXXX XXXX XXXX XXXX XXXX, FL XXXX I am requesting that you investigate this matter and delete these accounts from all three of my major credit bureaus as per request to remove the above items from my credit report immediately or provide me with physical proof that Commonwealth Financial System are licensed to collect debts in Florida.
Your immediate response will be greatly appreciated.
|
| 07/06/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I worked with another debt collection company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve this debt. It was a medical debt from XX/XX/XXXX. I filed chapter XXXX in XX/XX/XXXX. They removed this from my credit report XX/XX/XXXX after I sent them proof ) For a 3rd time ) of my bankruptcy. I had been fighting them for years to remove this. They sold this account to commonwealth financial systems. They have put it back on my credit report as of XXXX, as an open collections account. My credit instantly dropped XXXX points. They are sending me letters to collect the amount owed {$420.00}. I called and had to resend all of my bankruptcy information to them. I plan to buy a house soon and my credit has been ruined by these guys. I 'm not sure how a company can reopen a discharged debt and why it falls on the consumer to have to continually resend documentation. If they keep adding it to my credit report every time they sell information to other companies this is not right. I want it removed asap, not in 30 - 60 days. Again, this is ruining my chance of purchasing a home.
|
| 01/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I received a call from Commonwealth stating that I owed them money on a debt. I notified them that the debt was included in a Ch. XXXX bankruptcy and that they should n't be contacting me and they could contact my lawyer for verification if needed. The " adjustor '' transferred me to someone identified as their head legal counsel/attorney who told me that if I did not pay the debt within 72 hours that they will seek criminal charges and my wages, tax return and any income will be garnished as well as freezing my bank account. I informed this person that he could speak with my lawyer and was told " we do not speak with lawyers you can have a lawyer represent you in court. '' I received multiple other calls from then and in XXXX call " XXXX '' accused me of being unwilling to be responsible and pay my debt and said that I will end up paying over {$7000.00} now for their legal fees and criminal charges will be filed against me. I informed her that I knew that what they were doing was illegal and she yelled at me that it was not at which point I said to stop harassing me.
|
| 09/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I realized there is an account placed for collection on my credit report so I looked into it. The account was from Commonwealth Financial XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. The account was placed for collection on XX/XX/XXXX. At this time I was only XXXX years of age, making any medical bills my parent 's responsibility and their insurances. They also did not contact me before putting this on my credit report. I tried calling the number provided from my credit report, as well as the number they have listed on google. On XX/XX/XXXX I reached a voicemail saying the mailbox was full. I called again on XX/XX/XXXX and was put on hold for 25 minutes until being hung up on. I tried calling again and kept getting a voicemail full box. I called again on XX/XX/XXXX and talked to a lady who told me I had to pay it and there was nothing else I could do about it. I have read the reviews on this agency and understand they do this to many people, and that the company is fraud. I do not want this to ruin my credit. I will soon reach out to local police and obtain a lawyer.
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| 01/04/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I currently have four debts showing in my XXXX Credit Report. All which have been addressed. I have called the creditors on them and the creditors have advised the following : Commonweath Financial Systems ( CFSI ) - Balance {$210.00} CFSI has advised that the account does not belong to me. That this is for an individual with the same name and same prior address which indicates that it may belong to a parent because we have the same name. They have advised that this has been reported to the credit bureau. I 've submitted multiple disputes to XXXX and this continues to be in my credit report.
Commonweath Financial Systems ( CFSI ) - Balance {$330.00} Same as above XXXX XXXX XXXX - Balance {$190.00} I 've taken the same action as noted above with CFSI and concluded in the same with XXXX. Again I 've submitted multiple disputes and this continues to be in my credit report with XXXX. XXXX XXXX has also advised that they have reported to XXXX of the same.
Commonweath Financial Systems ( CFSI ) - Balance {$330.00} Same as noted above for the previous two CFSI records.
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| 03/17/2020 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This account originated from XXXX XXXX XXXX XXXX. This account has been sold to three different collection agencies and inaccurate information has been placed on my account and I lost 75 points in total off of my credit score and I was refused a loan because of them. This same account was placed on my account twice by two different collection agencies at the same time after they sold the account to another collection agency. In addition, the amount that I owed was changed from XXXX to XXXX dollars. This information was reported on my credit report by another collection agency. Secondly, Common Wealth Finance keep re - aging the same account and confirming that this information is accurate when it is not during every dispute. This is a clear violation of the Fair Credit Reporting Act and my rights. Lastly, I am requesting since they have violated my rights more than once that this information be removed from XXXX XXXX, XXXX and XXXX credit bureaus immediately. TThank you for your assistance in this matter. My contact information is XXXX XXXX, XXXX, Georgia XXXX.
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| 04/04/2017 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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COMMONWEALTH FINANCIAL SYSTEMS is collecting a debt for XXXX from 2011. I have never received a bill from commonwealth or XXXX i have requested documents requesting information in regards to original collector but have not been provided any information. I was advised that they dont have any information accept the name of the hospital not the location of the hospital, name of doctor nor a phone number for the particular hospital or doctor. I have confirmed with my insurance company they do not have anything on file of that nature. i have requested from Common wealth and the XXXX credit b. for proof of the original bill which nobody will provide me. XXXX closed out the debit however XXXX denied my request and adv me to contact the debt collector for more information however they are not providing anything either. I still have not received any bill with any information from Common Wealth or written communication nor phone calls prior to affecting my credit, I had to call them when i noticed my credit score dropped. They did not provide me an account number either.
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| 10/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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This company, Commonwealth Finance continuously reages old medical debts that are very close to falling off of my credit report. They have done this with three separate old bills this year from as long ago as XX/XX/XXXX. I have not received medical treatment in nearly three years, so there is no way for these debts to be from these dates. These reaged accounts are as follows : XX/XX/XXXX the amount of {$1500.00}, XX/XX/XXXX an amount of {$620.00} was reaged, on XX/XX/XXXX the amount of {$1400.00} was reaged. They do not report the original date of delinquency. When I ask for an itemized bill showing what the amount I owe is for, I receive a generic letter with no detailed information that would even allow me to determine if I received the services theyre requesting payment for. Furthermore, this company does not have a license to operate in the state of Florida because their license here was revoked in XX/XX/XXXX.
This company has also been calling me, and my parents non stop and leaving harassing voicemails claiming they will be filing a lawsuit against me.
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| 10/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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this is like the 15 th time i have had to make a report about this credit reporting agencies, XXXX, XXXX and XXXX i have made police reports, ftc affidavids wrote them called them and they still keep putting this fraudulant info on my reports then they take it off to get it back three months later under a different collection agency name, I HAVE HAD AND STILL HAVE FULL COVERAGE MEDICAL INSURANCE FOR THE PAST 11 YEARS NO DEDUCTABLE! AND THEY KEEP PUTINNG THESE FRAUDULANT ACCOUNTS ON MY REPORT, NOW IT SAYS IT IS FROM 3 MONTHS AGO XXXX XXXX XXXX FROM COMMONWEALTH FINANXXXX XXXX XXXX WHICH IS A TOTAL LIE FOR ONE I MOVED TO XXXX XXXX XXXX 7 MONTHS AGO SO I AM NOT EVEN IN THAT COUNTY XXXX PLUS I HAVE INSURANCE THEY ARE SAYING I OWE XXXX XXXX I ASKED FOR WHAT SINCE I DONT EVEN LIVE IN THAT COUNTY THE CREDITOR CAN NOT TELL ME OR HAS NO SIGNITURE NO NOTHING BUT THEY PUT THIS FRAUD ON MY CREDIT!! I AM GETTING SICK AND TIRED OF THISOH BUT THE CAR I PAID OFF IN FULL NEVER LATE IS NOT PUT ON AS GOOD CREDIT BECAUSE I PAID IT OFF THIS IS SUCH A SCAM PLEASE HELP ME THANK YOU
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| 05/20/2020 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is my 3rd attempt to get this resolved. The collection is lying about the date of last activity. I have uploaded an old credit report to prove the date of last activity. They are lying about this. Plus this is what the FTC says about collections : Collection accounts stay on the credit report for seven years from the original delinquency date of the original debt, or the date of the first missed payment after which the account was no longer brought current. You may see both the collection account and the account with your original creditor on the credit report.
I have attached a copy of my credit report from XXXX showing the correct date of last activity ... again. You have no documentation proving anything has been done with this debt other than it being sent to you ... that does not constitute a change.
This debt will be 7 years old in XXXX, XXXX and what the collection agency is doing is against the Fair Debt Collection Practices Act. If this is not corrected or deleted i will be filing a complaint with the Federal Trade Commission against them.
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| 02/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I received notification from a few of my Credit morning service that Commonwealth Financial XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX had added something negative to my report for {$67.00}, with a open date of XX/XX/2019, I have never received anything from this company, they are fraudulently reporting accounts that does not belong to people to collect money. The account does not belong to me. I have never received anything from anyone saying I owed {$67.00} for anything. I called commonwealth and they advised me of the alleged company that reported this, I called that company and they informed me that they do not have any accounts past due or current, also even if an account was sent to collections it would still show in their system. This should not be on my report, and should be removed! Commonwealth Financial does not licensed in the state of Florida and have no right to even collect on any debt in Florida! Please look into this company their reviews by thousands of people they are committing fraud against. Please help me becaus this is not right!
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| 01/03/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Ok, first off I filed a dispute, and then I get another collections on my credit report. Well that is not appreciated and not very good business tactics. I Mean I have no idea who u are or what debt ur trying to get but im the wrong person.Everytime I have tried to get this off of my report it ends up right back on there WITH NO EXPLANATION! so there for if this is not off my credit I will get a lawyer IMMEDIATELY. I have a family to raise and all this covid 19 going on and now I have to deal with a greedy company trying to give me the SAME DEBT TWICE SO THEY ARE TRING TO CHARGE ME IM ASSUMING FOR THE SAME DEBT UNDER 2 DIFFERENT COMPANY NAMES " XXXX XXXX XXXX '' AND " COMMONWEALTH FINANCES '' THAT ALONE IM CERTAIN HIGHLY ILLEGAL! AND ME NOT EVEN KNOWING WHO U ARE TO START WITH. NO ITS NOT GOING TO WORK LIKE THAT IM NOT THAT PERSON. SO THIS NEEDS TOOK CARE OF AS SOON AS POSSIBLE CAUSE IM NOT PAYING SOMETHING THAT IS NOT MINE UR TAKING FROM MY FAMILY WITH ALL THIS AND I DONT TAKE THAT LIGHTLY. SO THIS IS ME ASKING NICELY TO TAKE IT OFF MY CREDIT REPORT
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| 03/27/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My son received medical attention in the ER. The hospital had incorrect billing information. The claims were denied because of this incorrect information. Hospital is aware of their mistake, but will not do anything about it. Hospital has agreed that the information they had was inaccurate.
Hospital says dr has to resubmit information. XXXX XXXX XXXX says that debt collector has to resubmit. The insurance company is reaching out, but no one will return their call. All the insurance asked is for the claims to be resubmitted with a letter stating the billing information was incorrect at time of service. They refuse to do this. Commonwealth will not resubmit or contact the hospital or dr to verify information. They have informed me that all that they can do is offer a settlement for an amount that I do not owe. I have bills for {$520.00}, XXXX, and {$740.00} for dates of service on XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX the supervisor on XX/XX/XXXX. Extremely rude and hung up on me after telling me that all he can do to help is offer a settlement.
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| 05/12/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been h it XXXX or XXXX times on my credit by Common Wealth Financial, som e medical collection company. It is hitting my credit as new debt. I have not been to an emergency room s ince XX/XX/XXXX a nd never any of the ones they are listing. I asked them through their rep XXXX to provide me with paperwork showing my signature authorizing procedures or patient paperwork. The representative XXXX said it could take up to 3 weeks. I said that is fine. I finally get something in the mail for them and it is just a bill. The guy calls me back and says, " did you get what I sent you? '' I advised that all I received was an invoice for what they were trying to collect for. He said that is all they have. I advised it was not my debt and that I will be disputing, there is no paperwork on me. My score dropped almost XXXX points in la st 2 week s because they are making a debt that is not mine look as though it is something new. They already advised that whomever had this debt it is from XX/XX/XXXX , not in last 3 months as it is showing.
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| 05/31/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear CFPB, I have recently requested my credit reports from the credit bureaus where I found three inaccurate and unathorized accounts on my credit profile from COMMONWEALTH FINANCE each in the amount of {$1100.00}. These accounts were removed XXXX of 2018 after contacting the XXXX, by the collector and has been replaced by said debt collector. I have contacted the to XXXX regarding these accounts and submitted police reports of identity theft to the previous collector. I have also requested proper documentation to validate said debts. The collection agency has failed to provide satisfactory proof that I own this debt. under FDCPA, if the collection agency doesn't validate the debt, they are no longer to report to the credit bureaus or contact me about said debts.
These accounts are not only hindering me from getting credit, they are seriously hurting my credit profile I should not have to suffer because of identity theft. I am asking for your assistance in getting these medical bills deleted from my credit report.
Thank you for your time.
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| 05/21/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I submitted a dispute with XXXX on XX/XX/2020 about a collection placed on my credit that does not belong to me. On XX/XX/2020 XXXX came back stating the debt was accurate without even completing a thorough investigation. XXXX has repeatedly violated consumer rights by not completing proper dispute investigations which ultimately impacts the consumer in a negative way. There has been no prior notification of this debt and I am positive I have never been treated at this emergency room. This complaint will act as a formal NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. I have just settled a debt that XXXX continued to report inaccurately on my credit and I dont mind filing a lawsuit again for violating my rights as a consumer.
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| 09/12/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2018 started with Commonwealth placing accounts on my credit report. Upon pulling my report I've noticed charges that don't belong to me. Commonwealth has had over 30 to 45 days to produce documentation Validating that these accounts are mine. And they have not instead theykeep sending me bills. Which is not validating the accounts as being mine. This has been since XX/XX/XXXX and it's now XX/XX/XXXX and its still reporting on my credit report. I contacted XXXX asking for documentation as well and they have nothing. Just stating that Commonwealth says it's my acct and they can not provide me with information of documentation files they have. XXXX has nothing and states they have nothing. So I'm demanding these accounts be removed for my credit report and not place back on there. This is against the law to place inaccurate items on a consumer credit report without proper validation that the accounts are yours. A Bill is not documentation and it has been Over the validation deadline. It been months and I want it deleted immediately.
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| 08/09/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This is due to a hospital emergency room visit back in XX/XX/XXXX. The amount owed is {$650.00}. I 've had XXXX, which pays 100 % for all medical expenses since XX/XX/XXXX. XXXX informed me this was paid back in XX/XX/XXXX.
I 've contacted the original debtor, the collection agencies and my insurance company. My insurance company informed the collection agency this invoice was paid to the original debtor. They also contacted the original debtor to notify this had been paid, but the original debtor stated they can not do anything about this, since a collection agency owns the account.
However, my insurance company found out the collection agency has the wrong date of birth, so I keep getting billed for this paid services. I 've notified them of this error, so has my insurance company and the collection agency informed me, this debt would be removed from their system and my credit report.
They still have not updated their system and for over 4 years now, I am still be harassed by them to pay a bill, which has already been paid.
Please help!
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| 06/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2019 I received a letter from a collection agency claiming that I owe an amount of {$200.00} to Florida Hospital XXXX reference number XXXX. I sent a letter on XX/XX/2019 demanding the company provides me with more information about the debt as I am not aware of such debt. Shortly right after, the agency have reported my credit report of a negative status of collection and did not send me the information I requested. I immediately followed it with another registered mailed letter with return receipt ( attached ) demanding the company remove the negative reporting and send me the information about the debt. I also disputed the reporting with the XXXX Credit Agency.
Unfortunately, the collection agency never replied to my two letter nor they have acknowledge receipt. I have a confirmation receipt from the XXXX XXXX XXXX that my letter was received and signed off by the collection agency. ( Attached ) Below is the information of the collection agency : Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX
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| 01/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Commonwealth Finance has put a mark on behalf of XXXX XXXX XXXX XXXX twice, once in XX/XX/2018 and again in XX/XX/2018. I wrote a debt validation letter on XX/XX/2018 & mailed it via certified mail requesting that Commonwealth Finance provide me with a copy of all medical records, including records that were signed by me giving consent for treatment at any medical facility, whether it be a hospital, lab or doctors office to my home address and demanded that they cease and desist calling XXXX. Commonwealth removed the mark on my credit report and returned the signed certified mail receipt. They did not respond to my request to produce these documents. Instead they sent a letter stating that I needed to pay the debt. I checked my credit report in XX/XX/2018 and saw that Commonwealth Finance had once again put their mark on my credit report. They have not sent a letter demanding payment, they have continued to ignore the previous request in XX/XX/2018 to validate the debt that they claim is owed to them. I never gave them consent to treat.
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| 12/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As I explained to the lady on the phone this debt is not mine nor is it owed. I also call XXXX and they stated they should have been able to give me the previous debt collectors information which they did not provide to me to try and resolve the issue. They also reported it as derogatory account which has not happened to me before which just ruined my credit over an account that I do not owe! I have explained this in 2015 that this is not my debt. This is absolutely ridiculous and needs to be removed immediately. And I need resources now to take further action against this fraudulent claim that I should not have to be contesting five years later. This is absolutely ridiculous. As I've already stated in the past this debt was already paid as far as I'm aware but regardless of that fact, it is not my debt in the first place and should not reflect me or my credit that I have built up since graduating whatsoever. I am absolutely livid over the disgusting oversight of details that have been added and updated to this account over five years.
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| 11/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX date of birth : XXXX My credit report is showing accounts I can not get resolved because when I search address to creditors it says fraud or address does not exist. Can you please help assist me? I do not know how to correct my credit report if creditors can not be tracked down.
I need the original owners/bill collectors address of my bills so I can pay my bill. I dont even know if these are my bills and I keep asking for help my going through XXXX XXXX and have submitted paperwork to all three credit reporting agencies in the past. I have no clue who the bills originally were billed from and I do not know if these creditors are real. I want all bills mailed to my home address so I can approach paying my bill to the original bill collector.
XXXX XXXX XXXX XXXX XXXX, XXXX , WI XXXX. Acct : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, OH XXXX Acct:XXXX, XXXX, XXXX, XXXX Commonwealth Financial XXXX XXXX XXXX XXXX, XXXX PA XXXX and XXXX XXXX XXXX XXXX, XXXX PA XXXX. Acct : XXXX
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| 08/20/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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Common Wealth Financial has previously been notified that the debt is from Identity theft. They deleted it in from XXXX, but on XXXX XXXX, 2015 they reinserted the debt in my XXXX file. XXXX different collection agencies reported the same debt on my credit files within 30 days. XXXX/XXXX/2015 XXXX reported it. XXXX/XXXX/2015 Common Wealth Financial reported it. XXXX/XXXX/2015 North East Credit & Collect XXXX inserted the same bad debt on my XXXX. There is no way XXXX debt collectors can have a legal right to pursue XXXX bill at the same time with XXXX of them listing it 15 days apart in the same month.. Commonwealth Financial has the XXXX debt SEPERATED into XXXX accounts instead of the total being listed once. I 've spoken to the original creditor they tell me it should be listed as XXXX account number, NOT XXXX. They 've separated it to do as much damage as possible to my credit scores. The same {$1300.00} bill had been listed as {$3500.00} in my reports.Why would they remove from XXXX bureau then at a later date report it another?
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| 08/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
I called the original hospital ( XXXX XXXX aka XXXX XXXX ) where I was seen in XX/XX/XXXXand I asked why all of these bill collectors had been trying to collect balances from me. They informed me there was nothing owed.
The company trying to collect a debt not owed is Commonwealth Financial Services , Inc. for the amount of {$100.00} which was purchased from XXXX XXXX XXXX.
I called the VA because I am a permanently and totally XXXX veteran and asked why is this hospital/debt collector trying to collect. They stated that because this company has listed themselves as a law agency they can not communicate with them.
The Florida hospital even went on to state that they do not use this credit collector as they have their own in-house collections.They do not know who this collector is.
I do not owe this debt, and I have been fighting with the credit bureaus to take it off but the keep selling this this debt and renewing it on my credit report.
I am asking kindly for someone to help me as I do not know what else to do, Thank you
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| 10/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report.
I have no other reason but to believe that I am a victim of Identity Theft, I am dealing regarding Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently received some medical collection letters that I have not idea why I am receiving them. COMMONWEALTH FINANCIAL SYSTEMS , INC, was recently removed from my credit report because I include them on my previous dispute with the Credit Bureaus, unfortunately they still sending letters trying to collect on me, I do not recognize the alleged account with XXXX XXXX XXXX, XXXX, the account does not belong to me, please stop further collection activities. I am hopping that this complaint will resolve this matter, for reference I am uploading the previous package I submitted to the credit bureaus.
|
| 02/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, Commonwealth Financial Systems of XXXX XXXX Pennsylvania falsely reported to major credit reporting agencies ( XXXX, XXXX, and XXXX ) that I owed a debt of {$1000.00} to a medical practice in XXXX, Illinois in 2013. I have never owed such a debt, I did not live in XXXX Illinois in 2013, I have never visited an emergency room. CFS then reported through the mail that they were attempting to collect the debt. I responded informing them that I do not owe such a debt and that their attempt to collect and falsely report the debt violated the Fair Debt Collection Practices Act. They responded by continuing to falsely claim that I owed the debt ( ignoring the fact that they are referring to me by the wrong name ) and have failed to remove their report to the credit agencies. As a result, my credit score dropped more than 100 points, causing my credit card companies to reduce my available credit and increase my adjustable APR. In addition to this violating the FDCPA, they have caused financial damage by libeling my credit.
|
| 05/22/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have a a unverified account from. I had previously disputed this account. I have never done business with COMMONWEALTH FINANCE # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt COMMONWEALTH FINANCE purport I owe. I request that COMMONWEALTH FINANCE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that COMMONWEALTH FINANCE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
|
| 11/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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Commonwealth Financial has violated my rights under the FDCPA by failing to respond to my debt validation requests within 30 days.Their initial contact with me was on XX/XX/XXXX by email with an attached validation notice. My validation request was sent certified mail ( Tracking # XXXX XXXX on XX/XX/XXXX and I did not receive of response by mail until mid XXXX. I attached the late response letter Commonwealth sent me dated XX/XX/XXXX ( I excluded the second page with all the personal medical data ) along with the tracking and return receipt information for the validation request as well as the initial email they sent my on XXXX. Its also kind of alarming this company had access to my medical information when I never signed a release for them to possess it. Would this be considered a HIPPA violation under the law? I was expecting to receive documentation directly from the doctors office not the collection agency. If requested I will send you the full letter as proof if required but I would prefer not disclose medical documents.
|
| 10/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
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Web |
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Commonwealth Financial Systems LLC, recently ( between XX/XX/2019 ) added a collection account on my credit reports for the amount of {$370.00}. I was never told about this debt. Commonwealth Financial Systems LLC, never sent me anything in the mail or by phone call regarding this debt. I still dont know what its regarding as I havent received anything from them. By law, they had to give me proof of the debt I owe prior to submitting this to the credit bureaus as I have the right to resolve the debt or to dispute it. I couldnt do so as they just put it on my credit reports without any notice at all. Commonwealth Financial Systems LLC, did not go about this process legally so therefore the debt should be removed from all of the credit bureaus. I will fight this until the end, they will not get my money. I cant even confirm if this debt is actually mine. Im told its from a healthcare facility in MD or says the credit report information. Yet Ive never been to a healthcare facility in MD. I dont even live in MD and I never have.
|
| 07/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I pulled my three major credit reports, and I noticed there were a number of medical collections being reported by Commonwealth Financial. They are from 4 to 5 years ago, but only began reporting at the end of XXXX. I never knew these collections existed before seeing them on my reports. I have disputed them with the various bureaus, but they arent all deleted. Some, Commonwealth Financial reported back as verified as being accurate. Ive looked into it and see that Commonwealth Financial isnt even a legitimately licensed collection company. According to the clerk at the Florida Office of Financial Regulation, she said that Commonwealth 's license to collect debt in Florida was revoked in XXXX. Im not sure if this has something to do with why Im seeing collections that Im not sure even exist, or what is happening. But I dont understand they can verify debts they arent even licensed to collect on. And if they cant collect, how are they supposed to inform me of it so I can properly get it taken care of before it ruins my credit?
|
| 04/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
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Hello, There was a past medical bill at XXXX Hospital in Pennsylvania for the amount of {$370.00}. I spoke to them a while ago and it was taken of my credit report since the insurance paid it.
Now they sold this debt which was paid off already to Commonwealth Financial. I never received a letter from them, I was not even able to ask for verification of debt. I spoke to them and they were really rude said they sent one letter to an address which I do not live in. Tried to explain the situation and did not listen.
They said the treatment was done on XX/XX/2015. I told them it was paid in full by the insurance company and they said I had to pay them or legal actions would go against me.
I let them know the statue of limitation for medical debt in the state of Pennsylvania is 4 years. They said the do not go by the statue limitation and either I pay or they will take me to court. Please help me resolve this problem Name of the company : Commonwealth Financial Address : XXXX XXXX XXXX, XXXX XXXX, Pa XXXX Phone Number : XXXX
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| 06/28/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have a debt that Commonwealth financial contacted me for. We made arrangements to get this paid. I was contacted by them in XX/XX/2021. I started making my payment the day they contacted me. I have automatic payments that come out for this from my bank. They are still coming out. They have put this on my credit report. I have disputed it with all companies, XXXX XXXX XXXX They all have been removed but XXXX. All it did was update when I read my dispute results. But I read the dispute and they are still saying it's accurate but it is not. They are still saying that the balance is still {$420.00}. It is not because I have been making payments since XX/XX/2021. And they are still taking the automatic payments out. I want this removed from my credit report. I do not think it is fair that they keep updating my balance even though I am paying on it but they keep updating it as if I never made a payment and as if I'm not making payments now. I want this removed. I want to be contacted of also from sending this. my email is XXXX.
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| 05/21/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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Commonwealth Financial Systems agreed to settle a {$4000.00} debt for {$2000.00} if I set up automatic debit from my bank account for {$100.00} a month. They also agreed that while in good standing they would remove this negative line from my credit report. After 2 months of paying I called because I never received official notification of the agreement. I asked for an official statement or letter and they said they could n't send XXXX. At that point I said I wanted to stop all payments until an official letter was delivered and they said ok. The next month they took the money out again and I called and said " I am not authorizing you to take money anymore please stop. And they continue to take {$100.00} out of my account every month. I do n't know what to do because they wo n't stop taking the money after I asked them multiple times to stop until the agreement could be official. My bank said they can not stop the automatic withdrawal and Commonwealth Financial Systems will not adhere to my demand to stop taking the money.
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| 02/11/2020 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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Commonwealth Finance Opened XX/XX/2019 + {$1800.00} Original creditor : XXXX XXXX XXXX XXXX. I'm a XXXX veteran and my health care is paid by Va. this fee that's being charged on my credit was for hospital services in which everyone else involved got paid. The hospital was paid and other specialist. They didn't bill Va in timely manner or correctly that's why they weren't paid. Instead of dealing with the Va they waited several years later and put on my credit report. I was told this happens to veterans all the time and was illegal. I've called several times and was given the run around even had VA to contact them. The have damaged my credit and have yet to provide me with the invoice to what the charges are and as I stated earlier it's against the law to bill veterans for a Va covered service especially years later. One rep told me she could see the Va billing info on form but it was scratched out that's the reason they put it on my credit report without notifying me. I don't thinks that's how it should have been done.
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| 09/26/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A few months ago I contacted Commonwealth Financial requesting validation of two debts they stated I owed. I received a copy of an itemized statement in which did not have anything bearing my signature. I advised them that an itemized statement does not constitute validation of the debt and they have refused to remove the two erroneous items they are reporting on my credit. It is my understanding from recent research of my consumer and civil rights to have ONLY PHYSICALLY PROVEN TO BE METRO 2 COMPLIANT information reported. I am enacting my right to declare a compliance challenge versus these allegations yet demonstrated to be fully TRUE, CORRECT, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY, or else wise METRO 2 compliant. Federal laws dictate that Commonwealth Financial is unauthorized to retain or report any chicanery or injurious subterfuge such as allegations that are deficient of PHYSICAL PROOF. My demand is immediate annulment by full and permanent deletion of the two erroneous accounts from all three credit reports.
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| 11/12/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XXXX/XXXX/XXXX I sent out certified return receipt a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX requesting verification of a debt which was signed for by their office on XXXX/XXXX/XXXX ( letter and receipt attached ). In the letter it detailed that they had 30 days to respond pursuant to the Fair Debt Collection Practices Act with validity of the debt. As of XXXX/XXXX/XXXX I received no response and sent follow up correspondence on XXXX/XXXX/XXXX offering a chance to rectify this error on their part which was signed for by their office on XXXX/XXXX/XXXX ( letter and receipt attached ). The office did not respond to me until the letter dated XXXX/XXXX/XXXX XXXX attached ) which was after 30 days have passed, and not received by me until XXXX/XXXX/XXXX. The letter did not address the request from the original letter from XXXX/XXXX/XXXX or subsequent letter from XXXX/XXXX/XXXX. Furthermore, the response was sent after the 30 days expired which is outside of the window in which they were required to respond.
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| 08/06/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a notification on my XXXX credit report on XX/XX/XXXX that a medical debt in the amount of {$890.00} was added to my collections account from medical services rendered in XXXX. I disputed the account immediately with XXXX as I was not aware of incurring a medical debt in that amount nor had I received any medical bills corresponding to that amount. I also submitted a letter dated XX/XX/XXXX and sent it to the collection agency on XX/XX/XXXX requesting validation of this debt. All the collection agency sent me was a letter stating they were attempting to collect a debt for that amount. That was the first letter I received regarding services that they claimed were rendered to me on XX/XX/XXXX! And the name the person is addressed to was not my name as it was not the correct spelling of my name leading me to believe someone may have received services fraudulently trying to use my name. To this date, I still have not received anything validating that this debt belongs to me and that I am liable for paying it.
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| 06/10/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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This debt was removed from credit report in XX/XX/XXXX for unfair practices ( changing the dates the account was opened, changing the dollar amounts that were owed, changing the payment history, etc ) Commonwealth finance has now re reported this debt on my report.
It first showed up on my credit reports at the end of XX/XX/XXXX, with an open date in XXXX. It was also listed as " other/ loan '' with a 1 month term. And was listed under a name that was similar but which is not my name nor is it a name I have ever used.
They debt collector also never sent any notification to me about the debt, about collecting the debt, or reporting the debt on my report again. I still have received no written correspondence from the debt collector.
After disputing the account with the credit reporting agencies. The debt collector changed the name listed to my name, changed the open date to XX/XX/XXXX.
I believe the practices by this company are illegal and fraudulent, and are not in compliance with laws governing fair practices.
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| 12/02/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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RE : Intent to file lawsuit, HIPPA Privacy Violation. Validation Letter sent to : COMMONWEALTH FINANCIAL. Account # : XXXX. AMOUNT OWED : {$1000.00}. To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by Commonwealth Financial. Their response will clearly violate my rights according to the HIPPA act of 1996. XXXX XXXX Hospital and XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release before releasing my medical information to Commonwealth Financial. Therefore by providing such information they are in VIOLATION of my HIPPA rights. I have filed a HIPPA violation against XXXX XXXX Hospital and XXXX XXXX XXXX XXXX XXXX as well as I am proceeding with legal action against Commonwealth Financial as prescribed by the Fair Credit Reporting Act should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.
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| 10/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act the following accounts : Commonwealth Financial Account # XXXX, has violated my rights.
15USC 1681-602A states I have the right to privacy.
15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be.
deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.
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| 02/10/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In 2016 I was an inpatient at XXXX XXXX in XXXX XXXX, TX. I had XXXX that turned into XXXX XXXX. I am now permanently XXXX from it on Social Security. I provided my Medicaid health insurance to them at the time of service. The facility billed Medicaid and was paid the allowable amount. However, the physicians billing never billed my insurance nor asked for insurance info from the hospital. They failed to bill insurance and I never received a bill if they mailed one because I was no longer able to live alone with my health so I moved in with my mom after. This has been a nightmare. I disputed and its been removed until they sell to another collection agency. I did my part by providing insurance. I should not be responsible for this. I worked hard to build a positive credit profile and I just took a big hit to credit due to derogatory account listings today. This isnt right. This is a billing error. I worked in medical billing for many years. The bottom line is they dropped the ball but I am being punished for it.
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| 05/05/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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The collection company stated above has reported that I received medical attention at the following facilities on the following dates or that accounts were opened on the following dates : XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were placed in collections when I never received medical attention on these dates and if I had, I was fully covered by XXXX XXXX and XXXX XXXX coverage on those dates. These are false accounts with false dates in an attempt to try to prolong the collection timeframe on accounts that are clearly fraudulent. As stated before, these are fraudulent tactics and I will be writing an official complaint to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Better Business Bureau if these issues continue to persist.
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| 12/11/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company has purchased a false debt previously owned by XXXX XXXX XXXX. I reported this debt here against XXXX back in XXXX of this year, 2018. Report number then is XXXX. That company also reported false information to the credit bureaus as did this company, Commonwealth Financial Services. I have called on a recorded line to inform Commonwealth of their error, I have sent certified letters in regards to this debt and I have disputed this debt with the credit bureaus only to have Commonwealth declare the debt to be valid and the derogatory information to remain causing a substantial drop in my good credit status. My next step is legal action if this information reported is not deleted from the 3 bureaus and the debt discarded. This is NOT my debt nor will I ever pay it. I demand Commonwealth to remove my information immediately or face certain legal action. I can provide copies of previous reports showing this debt is invalid while under XXXX and as well as my previous report and outcome from the CFPB.
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| 06/13/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On Yesterday I was notified that a collection was put on my credit report from Commonwealth Financial. They said that I have a collection for {$1500.00} from 2017. Mind you I never have received anything from any creditor saying I ever had a balance. I called the orginal creditor XXXX XXXX XXXX and they dont show any balance in their sysytem for the amount of {$1500.00}. They only show a recent balance from last year that is not in collection and that has a payment plan set up for the amount of {$250.00} dollars, and they dont show any other account with a balance like this. I spoke to 3 different people and non of them saw a balance from 2017 of any balance owed. I have reached out the credit bureau and they have filed a fraud dispute and instructed me to notify the Federal Trade Commisson regarding ID theft. I will reach out to them once I am done with this report. This collection company is attempting to collect on fake debt that is not real nor is owed by me and I want this removed from my credit report.
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| 03/07/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This hospital debt ( see below ) keeps getting rolled over on my credit report. Debt collection agencies keep buying and selling this debt account. The result is this debt is being reported as a new debt on all three of my credit reports. Leaving it on my credit reports in perpetuity. It is my understanding a debt is supposed to be aged off a credit report after 7 and/or 10 years. I was admitted to the hospital. I don't remember the exact year I was admitted. To the best of my recollection it was anywhere between the years of XX/XX/XXXX and XX/XX/XXXX. I would have to request the medical records to provide you the exact year. Which I am willing to do if necessary. Below you will find the latest information about this debt pulled from my credit reports.
COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$600.00} 0 % paid off Loan Amount {$600.00} Contact XXXX XX/XX/XXXX Collection Department / Agency / Attorney XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX ( tel:XXXX )
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| 07/13/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
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| 06/30/2016 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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I 've been looking into my credit reports daily. Mainly because I 'm tired of being contacted by different companies regarding the same medical bills when I had insurance coverage.They have noverlapping accounts on my credit reports. For example XXXX XXXX ( orginal creditor ) sold my account to COMMONWEALTH FINANCIAL, so why are they both contacting me. And XXXX XXXX XXXX is continuing to attempt collections on dates of service that matches XXXX XXXX along with identical monetary claims. I 've been told by XXXX XXXX XXXX If not paid asap that I would go to jail. They are claiming ammounts of upwards of {$8400.00} for an emergency room visit. They 're are collection 's for services rendered when I was not within XXXX miles of the area. I 've had my state tax returns garnished, then there it is listed on an open account. It 's outrageous that the burden of the proof be on me when companies like these are ruining my credit by using illegal tactics such as fraud, then violating my rights as an American citizen.
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| 03/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have been disputing, reporting and complaining on the unfair, fraudulent acts of this company for almost two months. Commonwealth financial reported to accounts to my credit report and disputing them because they are not mine. I requested validation, which commonwealth financial has refused to provide me with LEGIT, LEGAL VALIDATION. I was only sent a letter with a hospital name a diagnosis code ( WHICH IF THIS WAS MINE IS ILLEGAL FOR THEM TO HAVE ANYBODY MEDICAL INFORMATION WITHOUT THEIR PERMISSION AND IS A HIPPA VIOLATION ) and two amounts. This is not VALID VALIDATION. Proof of VALIDATION include leases, promissory notes, credit card statement, Medical Consent, contracts with an original signature from the Original Creditor NOT the collection agency. After all the disputing commonwealth financial claim they are sending this back to the original WHICH IS A LIE THEY ARE STILL HOMDING THIS DEBT TO RESUBMIT TO MY REPORT, or resell this debt! This do not belong to me, and it needs to stay off my report.
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| 08/24/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Commonwealth Financial systems called from XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX I spoke to the representative who stated that they had a personal business matter. He asked for my address as they did n't have my SSN or birthday. I told the representative that I was not providing my address or agreeing to anything without more information as to the matter at which they were calling. The representative stated that they will mail a letter and that I was to contact them when I received the letter. I agreed to contact them once the letter was received.
OnXX/XX/XXXXat XXXX, I received a phone call from Commonwealth again. I told them I spoke to them less than 24 hours ago and was told that I was to contact them once a letter was received. I stated that this wass harrassment as we had agreed on how to proceed based on the amount of information they were willing to provide. I, then spoke to a manager that confirmed that I did speak to the representative yesterday and that a letter was supposed to be mailed.
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| 11/29/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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This seems to be a collection account for an emergency room visit that occurred when my daughter XXXX her XXXX on XX/XX/2013. I had never received notification of this debt. I found out when I applied for a mortgage for a new home for my family. XXXX XXXX XXXX neglected to submit the claim to our insurance company so, of course, the claim was never paid. I contacted them to have them submit these charges to XXXX XXXX XXXX XXXX of Florida. They said they could not do that and to contact Commonwealth Financial. Commonwealth Financial is either unable or unwilling to submit these charges to the insurance company as they should have been over five years ago. This should NOT be showing up on my credit report. As a divorced mother of XXXX, this is impacting our lives greatly as I can not be approved for a mortgage with one income AND this hanging out there. Please help my family and I and remove this account from my credit report ASAP so we can move on, both with our lives and into our own house.
Thank You
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| 10/25/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Commonwealth Financial Systems placed a frivolous debt on my credit report in which I do not owe the company. I have never done business with this company and never even heard of this company before.
Commonwealth Financial Systems violated the Fair Debt Collection Practices Act ( FDCPA ) by placing this debt on my credit reports without even sending me a Dunning Letter!
I have never spoken to a representative from this company nor have I received any type of correspondence from them, but they placed this frivolous debt on my credit files anyway.
There is no contract that is binding me to this company. I have never received any sum of money nor merchandise from this company. They are unlawfully trying to collect money in which is not owed to them.
I mailed Commonwealth Financial Systems a letter dated XX/XX/2020, for them to delete this debt from my credit file as they already violated my rights as a consumer and not in Compliance with the Metro 2 reporting systems in which they never responded.
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| 04/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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A certified letter was sent to XXXX XXXX XXXX on XX/XX/2019 asking for debt validation. Their letter advised a debt of {$480.00} that they would reduce to {$360.00}, their letter did not have a date in which this alleged debt occurred. Their letter stated " The legal time limit ( statute of limitations ) for suing to collect this debt has expired. '' My certified debt validation letter asked them to advise the SPECIFIC DATE and also stated how can a debt be valid when there is no date associated with it. I can not fight a debt or research this alleged debt without the date of service. This debt is on my credit report. XXXX XXXX XXXX has not responded with a date of this debt. I disputed the debt stating it is illegal for you to make up this debt. My letter to them also stated " Just because you sent me a bill and you specified a dollar amount, does not make it a valid debt. ". " I really feel like this is a joke since how can you provide proof when you can't even state the date this debt is from. ''
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| 07/07/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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on X/XX/2017 Sent a letter to CommonWealth Financial Systems inc. ( letter attached ) requesting back up on the debt they are reporting on my credit report. They replied back ( letter attached ) that I needed to call w/social security # 4 digits/date of birth etc ... so they can properly identify me. I find this a bit disturbing that they clearly have this information since they are able to report on my credit - I will NOT call their office to verify my information. In my letter I also stated do not try to collect this debt which I do not know what it is for until they provide back if you notice at the end of the letter from the it states this is an attempt to collect a debt and used for this purpose. Last 4 digit of my social in next step - once again they should have this information since they are reporting. I find this is a tactic to continue to report & absolutely ridiculous this is my 2nd complaint - it was closed due to the company stating they can not verify my identity or the debt.
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| 03/23/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a notification from my credit monitoring service advising me that a new collection from commonwealth financial systems inc was on my reports. After reviewing my reports, I sent correspondence to Commonwealth Financial Systems Inc requesting validation of this debt since I dont have any outstanding medical bills that I know of. I requested the name of the alleged provider I owe as well as a detailed breakdown of the alleged charges. I also requested a copy of the signed medical release that shows I released my medical information to Commonwealth Financial Systems Inc on this alleged debt. Today I received a response from Commonwealth Financial Systems Inc dated XX/XX/2018 stating that their company is fully compliant with HIPAA requirements concerning privacy of medical records. There is no validation of the alleged debt. The name that the letter is addressed to is incorrect. I believe this company is attempting to take advantage of me and collect funds from me on a debt that is not mine.
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| 10/12/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Hello, I recently noticed fraudulent activity on reports. What I have found has led me to believe that I may be the victim of identity theft as I did not approve any information to be used in my name. I am requesting that these items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notification or alert to my credit being run for these accounts which are concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationship with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident.
THIS WAS ALREADY REPORTED TO THE CFPB AND REMOVED ONCE BEFORE. THE COMPANY REFUSES TO STOP HARRASSING ME FOR A DEBIT THAT DOES NOT BELONG TO ME,
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| 05/01/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This complaint is against the company " Commonwealth Financial ''. Currently, they are reporting that I owe them a total of {$760.00} on my credit. I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report. I did not know this was even on my credit until I checked my report recently and I discovered that they were reporting this. Are n't collection companies supposed to send me a notice of a right to dispute a debt before they place it on my credit? I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them. To facilitate the CFPB 's investigation, this is the account number from my report : " XXXX '' My report indicates that the account has an " open date '' of XXXX 2017.
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| 02/15/2017 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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XXXX XXXX I learned that I had a medical collections debt for my minor child from XXXX XXXX XXXX that was sent to a collection agency XXXX. In XXXX XXXX, I settled the debt with XXXX which i I have a receipt. In XXXX XXXX, another company by the name of XXXX XXXX showed up on my report attempting to collect this same debt. I disputed this collection and I received a letter from XXXX XXXX dated XXXX XXXX, XXXX stating that the account was closed and returned to the original creditor. It was also removed from my report. XXXX XXXX, XXXX the debt appears again under Commonwealth Financial Systems. I am in the process of buying of a home and this negative account continually reappearing on my credit report is affecting my score and causing me XXXX. Not to mention that XXXX, the agency who I settled with, was the only one who contacted me. The others have not, they just showed up on my report. I am very aware of the HIPPA Law and I am almost certain that what this company is doing violates the FCRA.
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| 05/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow XXXX XXXX compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
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| 08/21/2023 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I received a letter from a collection agency called XXXX XXXX XXXX They say I have unroll certain date to pay back a high balance I owe them. For {$1600.00}. For some service and got done In XXXX. This is awful since it shows upon my credit and no bank wants to work with me when applying for a loan.
I believe and Im sure this was a mistake of identity. One because I have never travel to XXXX second because I dont even know what services was done that they claimed.
The dates of service are false at the time I was pregnant and wasnt in my plans of travel also the name and last name its registered wrong also my date of birth. I believe is a mistake of identity.
I contact XXXX XXXX they said they have my account closed and was passed on to Commonwealth collection agency I did a dispute and wrote a letter to them to dispute this issue I send it through post office I got confirmation they did received my letter. You have not heard from them at all.
Commonwealth Financial System ( XXXX ) XXXX
|
| 12/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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Commonwealth Financial Systems , Inc. has " Never '' called nor contacted me regarding a Hospital bill dated XX/XX/2012 until last month.. ( XX/XX/2018 ) I just received a bill this month from this company. XXXX XXXX Hospital is at " Fault '' and I have proof with having medical insurance at the time. I contacted them back in XX/XX/2012 with a Manager from XXXX. We did a conference and the Manager explain to the billing department that they use the wrong billing code and they have to resubmit the bill to the State of Maryland and not XXXX In my procession right now, I've a certificate of XXXX XXXX XXXX Coverage from XX/XX/2012 until Present from Maryland Department of Health.
Commonwealth Financial System also attack my credit file last month on XX/XX/2018 and my credit score went down 30 % on XXXX and XXXX. It had a Derogatory marks on both.
Furthermore, I only received a bill once in XX/XX/2012. This company never tried to call or mail me anything during XX/XX/2012 until XX/XX/2018.
|
| 06/24/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Since filing my original complaint with CFPB # XXXX In which COMMONWEALTH FINANCIAL SYSTEMS AGREED TO DELETE A DISPUTED CLAIM, they simply deleted original claim & refiled same claim changing the dates & omitting the name of the alleged hospital. I am now disputing that claim. Since filing, I 've seemed to have became a target of their wrath, today I received XXXX additional claims in total XXXX open claims.
CFSI ACCOUNT NUMBERS XXXX, XXXX, XXXX In addition to filing a complaint with CFPB after the second filing of original claim, I have lodged a complaint with the State of Florida Department of Financial Responsibility ( Florida 's department that handles Fair Debt Collection Act complaints.
Since Commonwealth simply changed dates & refiled same complaint with CRA 's I believe they are committing FRAUD & view their company as disreputable. Am requesting that the CFPB investigate Commonwealth & help myself & other victims of their activities. uploading all the information @ this time.
|
| 05/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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Reference to Case number : XXXX Account Details Creditor Contact Commonwealth financial XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Account Name COMNWLTH FIN Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$630.00} Original Balance {$630.00} Status XXXX Original Creditor Opened XXXX/XXXX/2016 Remarks Placed for collection Dear sir/madam few week back i submitted a compliant regarding the negative and fraudulent account COMMON WEALTH FINANCIAL noted on my credit report. But their response stated that they could not find the account on their data base.
How did they report account that they do n't have on their data base? First i do n't own COMMON WEALTH FINANCIAL or any of their affiliates and this is a good reason to prove the account as a fraudulent one. Dear sir/madam, i want your office to look at the COMMON WEALTH FINANCIAL contact address on the above information from my credit report to confirm my compliant genuiness.
Thanks XXXX XXXX
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| 11/30/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX commonwealth financial XXXX common wealth financial, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 01/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, I had an emergency and ended up in the hospital for a very short period of time. Insurance information was provided at the time of service, health insurance at the time was XXXX XXXX, policy number XXXX. Insurance was billed and multiple times for the services provided, I will list them below- Claim ID number XXXX {$1200.00} paid to XXXX XXXX XXXX XXXX XXXX ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$4800.00} paid XXXX XXXX XXXX XXXX Hospital Claim ID number XXXX {$820.00} paid to XXXX XXXX XXXX Hospital In XX/XX/XXXX, I get a letter from XXXX XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX XXXX stating that they are owed {$1200.00}. This was already paid and settled with my insurance as I listed above. I been receiving calls non stop from them demanding payment. It is also been added to my credit report and my score has already dropped significantly, to the point that is has stopped me from being able to refinance my home.
|
| 10/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Re : Account XXXX closed without any answer? Except the same copy and pasted response to 1000s of other people with a different date! Have you researched this company? There is actually an attorney that specializes in this company an sues them for deceptive practices. They did not ever verify this debt in any way the first time! Thats why it was deleted. They even said in their response that the original creditor wanted to try and collect again after almost 6 years? The statute of limitations in Arkansas is 2 years for medical debt anyway. Plus if I had any medical bills in 2014, which I didnt, it should have been paid by my medical insurance. Im NOT contacting you or this so called original creditor for anything! However I will be consulting with an attorney. If this isnt resolved immediately. Im tired being harassed about this medical bill and/or the OTHER medical bills you threatened me with in the last complaint response and being a victim of unverified debt and credit damage!
|
| 08/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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COMMONWEALTH FINANCE of XXXX XXXX XXXX in XXXX, PA XXXX called me attempting to collect an alleged debt of {$660.00}. I spoke with a woman on XX/XX/2019 at number XXXX at XXXX XXXX approximately. The woman would not tell me what the debt was related to and demanded my social security number which I was not comfortable providing. I told this woman by phone that I would be sending the company a cease & desist letter and that they were to remove all negative reporting as they are not my original creditor and I do not wish to work with them. I sent this company a Cease & Desist letter that I had notarized immediately. I did make a copy of my notarized cease and desist letter should I need to provide proof. I am enlisting the CFPB to help ensure this company respects and acknowledges my cease and desist request and that they terminate all collection efforts. Most importantly that this company REMOVE ALL NEGATIVE reporting to XXXX, XXXX, and XXXX A/S/A/P as they are damaging my credit.
|
| 01/29/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
COMMONWEALTH FINANCE ACCT # XXXX, COMMONWEALTH FINANCE ACCT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates there port by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 11/12/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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|
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 03/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Commonwealth Financial Systems Inc. is reporting an outstanding collections account in the amount of {$1000.00} on my credit reports. Not only do I not owe this amount in medical debt, after researching, I found that this company is violating Texas ' Licensing Requirements. I have attached a screenshot of the company 's license info that I've retrieved from the Texas Secretary of State Debt Collector Search. I would like this debt removed from all of my credit reports with all three credit bureaus immediately. I would also like to be updated on this process. This debt is not only a violation, it should not be on my credit report. On the date of service, I was covered medically under XXXX XXXX ( XXXX Military Insurance ) insurance and I provided this information at this time. XXXX was never billed by the provider. This is a provider error and has wrongfully been placed in collections. The date of service has reached 7 years and is too old to be on my credit report as well.
|
| 05/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A new debt has been reported on my credit report that does not belong to me by a company named Commonwealth Financial Systems. The amount of the debt is {$1200.00} for a debt owed to XXXX XXXX. This is not my debt. I incurred these expenses in XXXX due to an emergency room visit for a worker 's compensation claim. This debt is the responsibility of my prior employer XXXX XXXX of Texas. I had health insurance at this time that would have covered the expense had it not been a worker 's comp claim. My health insurance was not taken by the hospital for this reason. This debt was previously owned by a different 3rd party collection agency, XXXX XXXX who also reported this debt on my credit. I submitted a claim to CFPB in XX/XX/XXXX and XXXX XXXX removed the debt from my credit report and closed the account however it appears the debt has now been sold to a new company who is reporting the debt again. I am not responsible for this debt and it should not be reported on my credit.
|
| 12/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To whom it may concern : COMMONWEALTH FINANCE with an address of XXXX XXXX XXXX XXXX, PA XXXX is trying to collect in the state of TEXAS where they legally do not have the right to do so at this time according to : Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
source : XXXX XXXX XXXX I would like to report that the 3 surety bonds they did obtain, were canceled in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and that they are currently in violation as they have been trying to collect on 3 accounts for myself since XX/XX/XXXX, ( 5 months ).
Furthermore, I would like the following accounts deleted and removed from my credit report on all 3 bureaus.
XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX - {$360.00} XXXX XXXX XXXX - {$340.00}
|
| 07/31/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I recently reviewed my credit report and say that Commonwealth Financial Systems is negatively reporting a debt that was previously removed by the credit bureaus for the past year. Now Common Wealth Financial Systems is reporting the {$200.00} debt again stating that it was just opened on XXXX XXXX, 2017. This is a common illegal practice of to try to re-age old or removed debts and I have become their victim again. I was not properly notified by mail five days before Commonwealth Financial Systems about the debt before reinserting this onto my credit report and I would like it removed immediately. My XXXX credit score has been drastically reduced because of their ill practices and its all because Commonwealth Finanical Systems is practicing unjust collection attempts. This is not fair that I have had to send countless of letters to the bureaus and even recently to remove this erroneous dent and I decided to use my consumers rights and ask for the assistance of the CFPB.
|
| 05/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a call from Commonwealth Financial Systems on XX/XX/XXXX about an unpaid amount that was presumably pending with a healthcare provide in Ohio from XX/XX/XXXX. I explained to the caller that I had already paid everything from a brief visit in that location back in XX/XX/XXXX. My apt was very very near that location for three years and had never had any notice, call or request from that facility to pay any amount. I was also given a name of a person in that facility whom I have never met and specifically explained the same to the person from Commonwealth Systems. I explained that there must have been some kind of a mistake or mix up. Today XX/XX/XXXX, I received an alert on my credit report about a negative item. It is about the same amount and from XXXX XXXX. I had no prior knowledge on whether there was some inquiry, never received any proof of my owing that amount. I had a spotless credit report before that and have never owned any amount of money to anyone.
|
| 10/31/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
*Complaint number XXXX of XXXX My credit report shows collections accounts that seem to have been unlawfully re-aged by the collection agencies and law firms that hold the debts.
In XXXX XXXX, I had an emergency hospital stay and did not have insurance, so I was billed for the stay. The bill was split up into at least XXXX different collections accounts for varying amounts between {$100.00} and {$2000.00}. XXXX of the XXXX show dates far later than XXXX XXXX.
Those items are : - XXXX/XXXX/XXXX : XXXX - {$1900.00} - XXXX/XXXX/XXXX : XXXX - {$100.00} - XXXX/XXXX/XXXX : XXXX - {$980.00} These debts were all incurred in XXXX XXXX, but the date of last activity for each of them incorrectly indicates a much more recent date. I have had no contact with any of these creditors and have taken no action that would result in a new date of last activity. I feel that these accounts are being re-aged as an attempt to circumvent the statute of limitations set by federal regulation.
|
| 05/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020 Commonwealth Financial Systems Inc. reported to XXXX, XXXX and XXXX I had one account in collections for {$1900.00} dollars, I have no knowledge of said account and I do not owe Commonwealth Financial Systems Inc. anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Commonwealth Financial Systems Inc. or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Commonwealth Financial Systems Inc. are a clear violation of the Fair Debt Collections Act. I am requesting that Commonwealth Financial Systems Inc. remove this collection account from each of my credit reports.
|
| 12/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : COMMONWEALTH FINANCIAL Account # : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by Commonwealth Financial. Their response will clearly violate my rights according to the HIPPA act of 1996.
XXXX XXXX Hospital and XXXX XXXX XXXX did NOT provide me a HIPPA release before releasing my medical information to Commonwealth Financial. Therefore by providing such information they are in VIOLATION of my HIPPA rights. I have filed a HIPPA violation against XXXX XXXX Hospital and XXXX XXXX XXXX as well as I am proceeding with legal action against Commonwealth Financial as prescribed by the Fair Credit Reporting Act should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.
|
| 04/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is trying to collect {$1800.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
|
| 10/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report.
I have an attached copy of my ID Theft Report in the attachments.
I demand that the all and any accounts from the following accounts be removed immediately off my credit report.
Account name COMMONWEALTH FINANCIAL SYSTEMS Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed.
|
| 10/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that this COMNWLTH FIN ( Original Creditor : XXXX XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 02/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
First of all I have no idea what this charge is for or when it originated. if it originated on the day that XXXX on XXXX XXXX of 2015 I have insurance through my job at XXXX XXXX XXXX and there should be no reason why there would be any charge on my account especially at a hospital. Also, it shows on my closed accounts that this same charge had been closed previously and reopened multiple times after I challenged XXXX it reopened in the other ( XXXX to XXXX ). Which seems to me to be sneaky, if you close it close it. I disputed it on XXXX saying I have no clue about this charge and they did nothing and showed me no documents on this charge. I really have no idea what its for. I have had insurence for the passed few years and have n't even seen a hospital. It is seriously affecting my credit unless it can be justified somehow I see no reason for it to be there. I do n't have any recollection of a almost {$900.00} visit. Please help. Show me documents, something.
|
| 01/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I received a notice of debt owed today XX/XX/XXXX from Commonwealth Financial Systems in the amount of {$69.00}. I had no idea what this was for or that it was even valid so I called them to confirm they were legit and asked what this debt was tied to and when it was from. I was told that Commonwealth Financial Systems filed this on my credit bureau PRIOR to my even getting the notice and that if I paid it then they would remove it from my credit bureau. I told them that I had to first confirm it was a legit medical charge and then I would be glad to pay a valid bill, but I was very upset that they chose to report this to my credit bureau even before I received a bill. This is very unethical and very poor business practice. They said this was from a hospital bill from XX/XX/XXXX so this is 6 years old and this is the first notice that I have received for this medical bill. They filed a derogatory debt on my credit bureau BEFORE they even sent a bill out to me.
|
| 06/02/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " Commonwealth Financial '', I contacted them several times to dispute this account that had been closed. Commonwealth did not respond to my debt verification disputes for the past few months. Commonwealth resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly XXXX ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. Commonwealth has been ignoring my mail correspondence regarding the validation of this debt, and sold it again.
|
| 04/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX, I received a letter from Commonwealth Financial Systems , Inc. dated XX/XX/XXXX attempting to collect on a debt with CFSI account # XXXX ( original account # XXXX XXXX ) for {$1800.00}. I quickly sent a letter via certified mail which was delivered on XX/XX/XXXX with USPS tracking number XXXX saying I believed this debt was not mine and requesting proof of the debt. I specified that under the FDCPA, they had 30 days to comply, and that I expected this debt to be deleted from my credit reports if they didn't. It was completely removed from my credit reports, so I believed them to have fixed their errors. However, this month, I received another letter from them dated XX/XX/XXXX attempting to collect on the same debt, except this time it is under CFSI account # XXXX. It is clear that this company refused to follow federal debt collection laws and is simply attempting to collect once again on an illegitimate debt under a different account number.
|
| 01/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Derogatory account alert from XXXX through XXXX on XXXX XXXX on XX/XX/XXXX regarding an outstanding payment for {$600.00} to Commonwealth Financial. Another alert was received from XXXX regarding same severely late payment Of {$600.00} and derogatory account again on XX/XX/XXXX. Credit rating has now dropped over 40 points from 780+. I have never had any accounts, interactions or dealings with this company, Commonwealth Financial Systems, and therefore have no outstanding or late payments. Have not received a single alert or notification from Commonwealth Financial Systems itself regarding any derogatory account prior to reporting it as such to XXXX as I have no accounts or monetary dealings with this company. Fraudulent activity reported to XXXX and disputed on XX/XX/XXXX. Credit alert placed on credit report through XXXX at this time. Numerous consumers have reported these same fraudulent experiences with this company Commonwealth Financial Systems.
|
| 12/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with an account listed under Commonwealth Financial. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belong to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
|
| 03/16/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been receiving frequent calls from CommonWealth Financial Systems. Though initially I was unsure of who the caller was because I typically do not answer unknown numbers, one evening I decided to call back in an effort to halt future calls. Once on the phone with someone, they immediately informed me of a medical debt from 2012 that was never paid. I knew this was true, so when they offered me a price to close my debt out at, I agreed. I also requested a confirmation letter so I could have proof of closing out my debt, to which the lady I was speaking with agreed to provide for me. However, instead of sending me confirmation, she sent me an additional bill regarding other accounts I have with them. The problem is that I was led to believe that the large payment I made over the phone was going to close out my debt to them entirely, now they are telling me I still owe them. I never received a confirmation letter in the mail listing the payment I made.
|
| 06/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
- Received debt collection notice dated XXXX XX/XX/2020 from Commonwealth Financial Systems , Inc. Point of contact, XXXX XXXX XXXX. XXXX, XXXX.
- Amount claimed : {$2500.00} - Offered a 25 % discount if debt was resolved within 45 days after the date of the debt collection notice.
- Provided a notice of dispute to Commonwealth Financial Systems dated XXXX XX/XX/2020. Cc 'd notice to AG of Florida, Pennsylvania, Virginia, and Georgia.
- Received notice from Pennsylvania AG dated XXXX XX/XX/2020, as provided to the AG by Commonwealth Financial Systems , Inc. Point of contact, XXXX XXXX , Legal/Complaints Admin, Ext, XXXX, XXXX. Notice from Commonwealth Financial Systems , Inc. advised account was closed and a deletion request had been sent to the three ( 3 ) major credit reporting agencies to remove the tradeline from credit report.
- The inappropriate and fraudulent actions by Commonwealth Financial Systems , Inc. negatively impacted my credit score.
|
| 01/27/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I received an alert from XXXX notifying me that there was a collection posted to my credit report on XX/XX/XXXX. The original creditor is XXXX XXXX XXXX XXXX. XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX is the the collection agency. The collection Amount is {$2100.00}. On XX/XX/XXXX, I contacted XXXX XXXX at ( XXXX ) XXXX to find out what this was about. I spoke with XXXX at XXXX. She informed me that this collection is in regard to XXXX XXXXXXXX XXXX received by XXXX XXXX on XX/XX/XXXX. I informed her that I'm not XXXX XXXX, nor do I know any XXXX XXXX. I also informed her that I have never received any XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX informed me that she would have this collection removed from my credit history. Prior to this collection posting on my credit report, I have never had any communications with XXXX XXXX or XXXX XXXX. This has negatively impacted my credit rating and damaged my credit score significantly.
|
| 03/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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A 3rd party collection agency, Commonwealth Financial Systems ( XXXX XXXX PA ) reported an unpaid medical debt in the amount of {$1600.00} on behalf of XXXX XXXX XXXX in XXXX AZ to my credit reports. I asked both the hospital and the collector for proof of the debt. They stated I would need to pay them and then it will be provided and given the chance to dispute it. The bill is in the name of a family member who is a ward of the state of arizona and under their legal and financial responsibility. However the collector still says its my problem and liable for the debt as family. I provided both parties of the legal paperwork and who to contact to get the bill paid by the foster care system in Arizona which they have refused to follow up on. I disputed the bill with all 3 credit bureaus who in turn said proof the bill was legitimate was furnished and I could not get a copy. I do not see why another persons bill, in another name can be forced onto me.
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| 10/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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|
Web |
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ACCOUNT NAME XXXX XXXX XXXX options Account # : XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
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| 06/24/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Upon checking my credit reports this evening, I discovered XXXX fake collections accounts with random amounts assigned to Commonwealth Financial Systems.
The first is for {$610.00} and the second is for {$53.00} I do not owe any medical bills and am more than ready to sue Commonwealth financial, as this is damaging my perfect credit!
I recognize their name, as they previously attempted to place fraudulent charges on my wife 's credit report several months back, too. Those were removed of course, because they are FAKE.
The only time in the last ten years that I have been to the XXXX 2010. Those charges were paid years ago by the XXXX insurance company, as per our attorney, XXXX in XXXX, NV. There are no outstanding medical bills under my name.
Commonwealth Financial pulls this same scam on thousands of people and I want these fake charges removed immediately, or I am more than happy to rise to the occasion and file a lawsuit for damages!
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| 03/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Company name is now called XXXX XXXX XXXX. Prior company named was Commonwealth Financial. They keep changing names of company so it will impact credit negatively. I know this due to the phone call i recieved from the company. They do this so credit scores will not be able to rise due to an old debt, but looks like a new debt to credit agencies. all because they keep changing name of company. Its not supposed to reflect negative on credit if the debt is over 2 years old. Its a shame that because i went threw a hard time no health insurance, that I have had negative items on my credit for almost 7 years. How can one ever get ahead if there are companies acting out with gray business practices? This has been going on for 7 years now on my credit, they have changed names atleast 4 times. they do this to the people that are unable to pay very old debts. An agent for there company told me that some 5 months ago when attempting to collect the debt.
|
| 02/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
Commonwealth Financial without any notice of debt place 4 medical collections on my credit report. When speaking to Commonwealth Financial indicated they purchase this debt from another collection company. I have never received any type of notice of validation of debt from any collection company. This action dropped my scores over 100 points without warning. We had insurance at the time Commonwealth Financial states when the bills were created. This is a blatant violation of none notice of debt to validate. To give an opportunity to resolve this issue. The Commonwealth Financial purchase this debt from another collection company that didn't give notice of debt to validate. They are selling unverified debt and placing on credit reports. I received no 30 day validation period. They just place 4 collections on my credit report this is alarming that collection companies get away with this type of attack on or credit without any type of notice.
|
| 02/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
|
CFS placed the same account on my XXXX bureau twice in the amount of {$1300.00}. XX/XX/XXXX they say it is a account from XXXX. I've never lived or sought medical treatment in XXXX, KY. Also I have 3 accounts for medical bills all from XXXX , KY the 3 accounts total {$500.00}. I've reached out to them with No help. I also have a account with XXXX XXXX XXXX that does belong to me from XXXX XXXX XXXX XXXX that was paid by my insurance, but creditor refuses to send me copy of the bill. There is one more account for {$220.00}, but it's also a medical bill. None of these medical collections belong to me I've never lived in XXXX, but my ex Wife has since XXXX. These are all fraudulent accounts, not belonging to myself.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX SSN I've reached out and filed disputes on all of these accounts over the past year and have NEVER received a letter, phone call or email from anyone whom represents XXXX.
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| 09/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recive a notification on my credit report stating that i owe a debt to debt XXXX XXXX XXXX for a blance of XXXX dollars i called the collection agency and ask for furture information concerning this debt i inform them that i had insurance at that time and was n't aware of this bill i ask for proof they sent me a email i told the rep i was not treated at that hospital by that dr and the debt was from XXXX past the XXXX yr i asked them to remove the debt from my credit i called the hospital billing who also could not verify the account as it was writen off their system instead the account was sent to a another collection agency comonwelath fianacal who also reported it as a current account so now i have multiple collectoin agency who are reporting information that should not be on my credit report when i ask for it to be remove they refused when ask for away to to dispute it she ignored me i asked to speak to a supervisor she hung up
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| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I am a victim of identity theft. I am a victim of XXXX data breach 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.
2. Provide me with written confirmation of the results of your investigation.
3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.
4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX.
5. Provide me with an updated copy of my credit report once the corrections have been made.
6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request.
This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
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| 01/23/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Common Wealth Finance, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 06/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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On XX/XX/XXXX I received the first phone call from XXXX. The caller identified them self as calling from Commonwealth Financial. I advised I do not have any business with Commonwealth Financial. The caller hung up. I returned the phone call asking to speak with a manager. I advised I do not have business with them and to stop calling my cell phone. Agent hung up.
On XX/XX/XXXX I received another phone call XXXX. The caller again identified from Commonwealth Financial calling about a business matter. I advised the caller I do not have any business matters with them. I asked the caller to stop calling my cell phone. The caller hung up. I called the # on their website XXXX and the answering party hung up when I asked to have my cell phone number removed from calls.
I went on their website in an attempt to see if any " accounts '' exist. They have a look-up system. Based on their search criteria, I do not have an account with them.
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| 06/06/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XXXX XXXX 2015 I received a dunning letter dated XXXX XXXX 2015 from CFSI informing me that I owed them {$1300.00} on an alleged debt from a company called XXXX XXXX XXXX. I disputed this debt in it 's entirety the following week via certified means on XXXX XXXX 2015 as I have no clue to who CFSI is or XXXX XXXX XXXX. I have no contractual obligations nor have I had ANY obligations to either. To my complete horror and surprise CFSI reported this so-called debt on my XXXX report on XXXX XXXX. No response to my dispute whatsoever!! And they reported it at least XXXX weeks before the XXXX day period as prescribed by Federal Law. After doing some due dilligence on CSFI, ive come to realize that this method of extortion/fraud is their method of operation. This company has a vast record of breaking FDCPA laws. Please, by all means, just look it up for yourselves. Do n't take my word for it, it 's all over cyberspace for anyone to see.
|
| 03/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear CFPB, In XX/XX/XXXX i was notified by the credit reporting agencies that a collection account was put on my file. When i checked it was from COMMONWEALTH FINANCIAL SYSTEMS , INC . But i never received a notification from the above mentioned debt collectors. so they put this account on my credit without giving me the chance to verify or validate it. I then got in contact with COMMONWEALTH FINANCIAL SYSTEMS, INC and requested a validtion of the alleged debt. In XX/XX/XXXX i received a bill from COMMONWEALTH FINANCIAL SYSTEMS , INC . so i requested validation of the debt again and have yet to receive it. COMMONWEALTH FINANCIAL SYSTEMS, INC has sent me another itemized bill instead of validating the debt they claim i owe. i noticed on the bill that the client they claim i owe is in XXXX Maryland but i have never been hospitalized in XXXX. please find attached copies of my communication with COMMONWEALTH FINANCIAL SYSTEMS, INC
|
| 09/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/2018 I checked my credit report to find that a company named Commonwealth Financial had added an account to my credit file claiming that I owe them {$940.00} on XX/XX/2018. I have never had an account with this company and I am very upset that these people can just added a debt to someone's credit files unknowingly! I have never received anything from this company and do not know anything about them. It should be illegal for someone to just add an account to someone to get money that you don't owe them!!! My score has dropped almost 70 points because of this company!! I am in the process of making a major purchase soon and these people have caused my score to drop like this when I don't owe them a dime!! This is ridiculous and is just another way to keep a person from ever having good credit! I had nothing negative in my credit files until these people added this fraudulent account! Can you please help me with this??
|
| 09/02/2015 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
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I was contacted by XXXX XXXX with Common Wealth Fin. Systems regarding a debt from XXXX 2009. I undated all of my information with her and verified all she asked. I then asked questions, what XXXX was I seen in, what doctor treated me, etc. She stated she could only provide the information through email. I told her I only had a work email and could not proved it and asked how could I get the information I needed to verify I owed the debt. She repeated only through email and I once again explained I could not provide my work email for this matter. She began to get irritated with me and told me I was being ridiculous, and created an email only took two minutes. I told her not to speak to me that way and explained I was trying to help and get this matter resolved. She then hung up on me. I called the company back and was transferred to her. I told her who I was and why I was calling and without speaking, she hung up on me again.
|
| 07/16/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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Commonwealth Financial Systems, a third party alleged debt collector failed to send my " Mini-Mirandi '' rights before placing this alleged debt on my credit report, in which I asked for validation and informing them about the " Mini-Mirandi '' rights. They did n't respond, so I contacted the XXXX and Commonwealth Financial Systems stated to the XXXX they would immediately remove it by notifying the XXXX credit bureaus ( XXXX, XXXX, & XXXX ), in which they made this statement to the XXXX on XXXX ocassions ( XX/XX/2015 & XX/XX/2015 ) to no avail.
Then on all XXXX credit bureaus this item is still on there to this day XXXX XXXX, 2015 with a little trickery on blocking out certain numbers, but get this, it 's the same account and even shows it 's pass the 7 year " Statue of Limitations '' for removal from all XXXX bureaus. They are arrogantly breaking the in regards to FDCPA, FCRA, and defamation of character.
Please advise
|
| 01/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
An old medical bill from XX/XX/XXXX in the amount of {$480.00} that was supposed to be paid by my childs Medicaid was not paid. Commonwealth Financial is a collection agency and has reported this to my credit as a new account that started/opened in XXXX. I have been disputing this multiple times since last year that these dates are inaccurate and they keep reporting back that it is accurate. I have contacted XXXX and XXXX to fight this but they say they can not change anything if the collection agency is saying it is accurate. When trying to apply for a home loan, they are telling me This is hurting my credit because it appears as a new opened collection account. The loan officer said if I could get it updated to show this is an old account, it will help me. I have documentation of this showing correct dates but nobody is helping me to correct this. The collection agency keeps reporting it as all information being accurate.
|
| 02/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For commonwealth fiancial and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX
|
| 04/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
Common wealth financial systems reported on all XXXX of my credit reports on XXXX and changed the status to " collection '' on XXXX/XXXX/XXXX. This debit was discharged XXXX XXXX in chapter XXXX bankruptcy. I contacted Common wealth financial systems at XXXX spoke with the supervisor XXXX XXXX and he stated to me " this is not common wealth 's problem because they have this debit reported as in collections as of XXXX XXXX '' He was informed the debit was discharged in chapter XXXX in XXXX XXXX and he stated " Common wealth does not investigate this and as of XXXX XXXX it is a collection that is due ''. What can i do about this stuff being reported to my credit. I have submitted packages to XXXX, XXXX and XXXX in XXXX XXXX to dispute the XXXX XXXX acct placed on my credit and Common wealth updated the status on XXXX/XXXX/XXXX to " collections '' I have been denied credit since XXXX XXXX and most recent XXXX XXXX reporting.
|
| 07/18/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received a letter in the mail today in regards to a debt I was not aware about dating back to XXXX. I never received any information in regards to owing a hospital money nor remember going to a hospital with the date that was given which was XX/XX/XXXX. I called company and they were not much help. I tried to work things out with them and all the said was that they were going to process me to collections regardless of what actions I would take. I asked for a detailed description for the bill and they said it would take 3-4 weeks for me to receive any sort of information. They could not provide an address for the hospital either. This is all a surprise to me because I check my credit score frequently and never saw any bills that needed to be paid for. I did not receive any bills through the mail from the hospital in regards to any payments that needed to be made. It is now XXXX and I am barely finding out about this debt.
|
| 09/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019, I received a derogatory mark on my credit report for supposedly failing to pay {$1700.00} for an emergency room visit from XXXX XXXX XXXX XXXX XXXX. The collection agency is COMNWLTH FIN and I told them this has to be a mistake because I haven't been to an emergency room for over 5 years and I never got any explanation as to what these charges are for. Also, they have recently changed the amount that they said I owed. It originally was at around {$900.00} ( if I remember correctly ) and then months later it jumped to {$1700.00}. This has lowered my credit score and made it very hard for me to get credit for my small self employed business. I am helping to raise XXXX kids with my girlfriend and I can't afford to pay a debt that is either from 6 or 7 years ago but is just now being reported or that isn't mine at all! So far they have not been able to explain to me specifically what these charges are for.
|
| 02/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX COMMONWEALTH FINANCIAL SYSTEMS mailed me a letter violating HIPPA and trying to collect a medical debt. On XX/XX/XXXX COMMONWEALTH FINANCIAL SYSTEMS received a certified letter from me asking to validate the medical debt they claim that I owe. The first letter I received from them had diagnosis, doctor 's names, procedures, charges and codes in the letter which violates my HIPPA rights. I have also attached the only letter they have sent to me before my certified letter to them. They have not validated anything with me after I asked for them to validate the debt and it has passed the 30 day mark. COMMONWEALTH FINANCIAL SYSTEMS are still reporting this debt on my credit reports. I also mailed them a cease and desist letter on XX/XX/XXXX due to the numerous phone calls throughout the day. I also contacted XXXX, XXXX AND XXXX and asked them to delete COMMONWEALTH FINANCIAL SYSTEMS from my report as well.
|
| 07/02/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.
|
| 10/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
NOTICE be it to all, in Fact, I Am a consumer pursuant 15 usc 1681 ( a ) ( 4 ). Fact, as such consumer, I have a right to privacy. Fact, I have NEVER signed a contract or PROMISSORY NOTE with COMMONWEALTH FINANCIAL. I believe them to be a 3rd party debt collector. Therefor I demand to see a purchase receipt giving them legal jurisdiction to collect ANY & ALL alleged debts they may claim I owe past present & future. Fact, pursuant 18 usc 8 ALL certificates of indebtedness and BILLS are the obligation of the United States CORPORATION. I have NEVER given my WRITTEN or ORAL consent for these items to be furnished on my consumer report, which is a violation of 15 usc 1681b. I DEMAND these items be removed from my consumer reports or PAY me {$6700.00} for every minute these items have been reported on my consumer reports. All violations are punishable of up to {$1000.00} per violation pursuant 15 usc 1640 & 15 usc 1692k.
|
| 09/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been tracking my credit on XXXX XXXX for a couple of years now so that I can work to improve my score. I was in good standing until this morning when I got a notification from XXXX XXXX that there was a change to my Credit score. Out of nowhere, there are now TWO collections showing up on my report from Commonwealth Financial OPENED ON XX/XX/2019 for medical services. I have not had any medical services from these businesses for almost 7 years! There should be no reason why Commonwealth Financial is opening it as BRAND NEW collections! I have read numerous complaints about Commonwealth Financial scamming people, not settling, and ruining their credit. They use very old debt ( 5 years or more ) and REOPEN it as a brand new debt collection! This is extremely wrong and FRAUDULENT. I have no problem settling any debt that I owe, but I refuse for my Credit Report to suffer over inaccurate and fraudulent activity!
|
| 09/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX recent review of my XXXX, and XXXX credit reports alerted me of a collection account that had already been resolved. On XXXX/XXXX/XXXX, it appears that Commonwealth Financial Systems re-reported the service from XXXX XXXX XXXX for the date of service XXXX/XXXX/XXXX in the amount of {$430.00} to all XXXX bureaus. In XXXX, I dealt with XXXX ( which bounced me around internally ) which was reporting at that time. I have attached information regarding where the payment was mailed. Unfortunately, more detailed specifics can not be generated from my prepaid account due to the age of the payment. Sometime last year XXXX XXXX XXXX, I was contacted again about it. When I advised that it was already paid, the conversation did not devolve into an argument and I thought records were finally updated and closed. Now this.
Any record of this account needs to be re-deleted from all XXXX of my credit reports.
|
| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
|
| 09/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I 've been checking my credit score weekly, for the past few months, because I want to purchase my first home. When I checked it 3 weeks ago, I noticed that I had 3 new derogatory remarks from a debt collection agency. I called the agency, XXXX XXXX, to learn that they have reported an emergency room visit to XXXX hospital from 5 years ago, with 3 separate charges, and posted the date of the negative accounts with the current month and year. I tried to tell the representative that I did n't receive any notifications from them, nor the hospital, and I did n't owe anything on these accounts. He kept reading a prompted script, & would n't acknowledge what I way saying. I know I do n't owe XXXX hospital for any past services, because the last few times that I 've been there, they have me fill out paperwork stating that I 'm low income with XXXX dependents, and that qualified me for their medical assistance program.
|
| 06/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Common Wealth Finance opened a new account on my XXXX credit report on XX/XX/XXXX in the amount of {$1100.00}. I never received any communication from these people and I had no idea what the debt was about. I disputed it with XXXX and it only took 2 days for them to come back and say the debt was valid. I called XXXX because these people have no phone number, or even telling me what this debt is on my credit report. I requested copies of the original bill from XXXX and they told me they would have to request from Common Wealth for me, but yet the debt is valid. I don't understand that one. I was told it was an old medical bill from XXXX that I disputed already twice years ago and the debt was dismissed. I don't think it is right for someone to say I owe this debt now, open a brand new account in a new year after its already been dismissed over 3 years ago. I never received any communication from these people.
|
| 03/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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This debt was completely unknown before commonwealth financial systems reporting it to all three credit reporting bureaus. I received no prior notice of debt owed to them. I never entered into any written contract with commonwealth financial systems. After disputing it, requesting verification and validation, reporting them to the consumer financial protection bureau, and to the XXXX XXXX XXXX, the debt was removed from my credit report numerous times, then placed back on again every week as a new debt. I received notification from their offices through the XXXX XXXX XXXX showing proof that they agreed to cease all collection efforts and no longer service the alleged account. After I replied to the XXXX XXXX XXXX that I was satisfied with their response ( on XX/XX/2019 ), they flagged my credit report with the collection AGAIN on XX/XX/2019.
This company is harassing and negatively affecting my credit score.
|
| 02/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
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To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For XXXX XXXX and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX
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| 01/25/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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COMMONWEALTH FINANCIAL is trying to collect a debt we were charged for 8 years ago on a trip to Florida. My daughter who was XXXX had to go to the hospital. We were charged by the hospital but also charged by the doctor who treated her. Our insurance would not pay twice for the same instance and of course, we refused to pay for being charged twice for the same instance. This company has taken this debt which two other previous debt collectors have tried to collect and we refused not only to pay the debt but also continue to tell them we know this is not a valid charge.
This company has sent us letters asking us to pay {$400.00} to close the debt and of course, we refuse. This is a rip off and they know it, hence why it keeps getting pushed from one company to another. This is the ONLY company who put this on our credit report. Not even the Dr office would do this as they know it is NOT VALID. REMOVE IT NOW!
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| 07/05/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX Validation letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.
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| 09/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Common wealth financial is listed on my credit report and they did not send me a dunning letter to give me a chance to challenge the debt.I am letting the cfpb know i have never had an account with this company and they can not prove i have ever had an account with them so why are they listed on my credit report with all this inaccurate information. I have no idea who they are and why they think it is legal to report this inaccurate information on my credit report.They have my social security number and i did not give it to them which is identity theft. I want all my information deleted from their database, office and files. I am asking for debt validation and contract or agreement i have with their company. If a collection agency do not validate a debt and they still report to the credit bureaus is violation of consumer protection afforded by the FDCPA section 809 ( b ) FTC opinion letter XXXX from XXXX.
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| 01/20/2017 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Commonwealth Financial could not verify original creditor or account number, I have not received anything from this company in writing informing me of the debt collection, and debt is on my credit report XXXX times, for the third time. This debt which I noticed on my credit report a long time ago just fell off of my report for the second time in XX/XX/XXXX. The debt showed up again on XX/XX/XXXX and was reported XXXX times on my report instead of just once. This company is falsifying dates so that they XXXX continue to collect on a debt that is void due to statute of limitations. They are now claiming that the date of service was on XX/XX/XXXX. I called every hospital in my area with XXXX to try and verify the date and none of them had anything with that date or anything close to it. That date is also my mother 's birthday and I know for a fact that I have never been to the emergency room on her birthday.
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| 11/12/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I received a debt collection letter XX/XX/XXXX for a debt from XX/XX/XXXX. This was the first I was ever notified of an outstanding debt, despite living in the same house until XX/XX/XXXX. I called CFSI to dispute the debt, and was treated very rudely and told to pay the debt. I requested CFSI verify the debt and the phone rep hung up on me. I called the original creditor, and was informed they did not show any outstanding balance or debts. I sent a certified letter to CFSI relaying this information and again requesting they validate the debt. Within three weeks of the date on the notice from CFSI they have already contacted the credit companies, yet not contacted me to confirm or deny the validity of the debt. There has not been any attempt to settle this matter, they are using strong arm tactics to get money any way they can. This is not right, and I will seek legal representation to protect my rights.
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| 02/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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The debt collection company, Commonwealth Financial Systems, has managed to dupe XXXX and XXXX into posting a very old collection amount ( opened XXXX, XXXX -- {$1000.00} ) as if it was just opened. For the last 3 years ive lived in XXXX and they are NOW showing the account as " opened in XXXX of XXXX ''. This account was started in XXXX. I would have had to have been in XXXX for such an account to be valid. It's already bad enough that consumers have to be treated as deliquent on debts that, if paid by an insurance company or medicaid, would have been discharged at 5 or 10 percent of the actual bill. Think of the money we lose while trying to build credit, because we are stuck with the option of credit cards and loans with huge percentage rates directly related to open accounts of little or no substanence. There is also a second similar account of {$340.00}, for which they did the exact same thing.
|
| 09/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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I am a victim of identity theft yet your company Commonwealth has inserted negative marks into my credit file without first notifying me to give me my right to dispute and request validation. The accounts in collections in the amounts of {$2000.00}, {$1300.00}, {$2000.00}, {$1600.00} and {$1000.00} do not belong to me and are in fact a result of identity theft. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. Once again these account are a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.
|
| 07/05/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX XXXX letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.
|
| 03/31/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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In XX/XX/XXXX a collection company attempted to collect XXXX debts from me that were not mine. They used a variation of my name and home address including an apartment number for my home. I filed a complaint with the attorney generals office in XXXX, WA. I did not hear any more. In XX/XX/XXXX ( 6 years later ) Commonwealth Collections ( a subsidiary of XXXX collections ) attempted to collect these same XXXX debts with a variation of my name and the same erroneous apartment number for my residential home address. Once again I referred the matter to the attorney generals office. The AG filed a complaint on my behalf but they ca n't impose resolution. Collections agencies are simply junk debt sellers and this is what is happening. They know this is n't me but they sell the contract from one company to the next and nobody is successful at getting these criminals to cease and desist. I want them stopped..
|
| 04/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On XX/XX/XXXX, I had sent a letter, which was delivered on XX/XX/XXXX by certified mail, to Commonwealth Finance regarding an entry on my XXXX, XXXX, and XXXX credit reports and requesting proof and validation that an alleged debt of {$360.00} from XXXX of XXXX belonged to me along with documentation that I have a legal obligation to pay, in conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692g Sec. 809 ( b ) On XX/XX/XXXX, I received a letter from the aforementioned company dated on XX/XX/XXXX, verifiably after the 30 day requirement to produce consumer requests established by the Consumer Financial Protection Bureau ( CFPB ), which was accompanied by a supposed bill that provided neither proof of ownership nor validation of the alleged debt.
Copies of my initial request of validation with certified mail receipt and the company 's tardy response are attached.
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| 03/22/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX of last yea r ( XXXX ) I noticed a collection on my account for CommonWealth. I co ntacted the agency to verify the debt. I was told that I did not have an account with them based on the fact that they could not pull up my name, phone number, or SSN for the account listed on my credit report. At this time I disputed the account with the all three credit bureau 's which resulted in a deletion from my report. As of XXXX of this year ( XXXX ) th e account was placed back on my credit report. I once again contacted the agency and was told the same thi ng ( nothing with my information was pulling up ). B ut the collection continues to be reported on my credit report. I have never received any type of correspondence regarding this account prior to it be placed on my credit report, twice now. I do not understand why it continues to be placed on my credit report which has effected my credit.
|
| 09/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Hello, I am writing about two new items that have been added to my credit report by Commonwealth Financial Systems. There are two items that they have added to my credit report 1st- {$170.00} and 2nd {$600.00}. I contacted the credit reporting agencies and they have advised that this is valid. Which is ridiculous - as the representative could not even tell me which hospital this is for.
I called and spoke with their office on XX/XX/XXXX I spoke with XXXX XXXXXXXX @ commonwealth. I asked for some proof that this is infact my debt he was unable to provide me with the basic information necessary. He told me, " to think about possible hospitals I have visited in XXXX. '' How is this possible?
I then contacted the credit agencies to advise and they are telling me this is a valid debt. How is this possible? They can't even confirm the original creditor? or hospital? Please help me.
thank you, XXXX
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| 04/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Company XXXX - XXXX XX/XX/XXXX New Address - XXXX XX/XX/XXXX Commonwealth Financial - XXXX XX/XX/XXXX ( there were 2 reports same from XXXX ) Commonwealth Financial - XXXX XX/XX/XXXX ( there were 2 reports same from XXXX ) - Inquiry Details from XXXX XXXX ( XXXX XXXX XXXX XXXX. ) Inquiry from XX/XX/XXXX ( not mine ) XXXX ( Telephone Companies ) Inquiry from XX/XX/XXXX ( not mine ) XXXX ( Miscellaneous Reptg.Agencies ) Inquiry from XX/XX/XXXX ( not mine ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I had a credit card from XXXX ) Derogatory Marks from XXXX XXXX ( not mine ) XXXX ( not mine, there were 2 reported ) XXXX XXXX ( not mine ) Ps. not represent enough information which is including from who, when, where, etc. depts. report, as well on XX/XX/XXXX-XX/XX/XXXX someone broke into the car and got all my wallets, credits card, driver license and social security number card ) Thank you
|
| 12/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I am currently disputing debts that are allegedly owed on my credit reports. I have sent numerous letters to the collector to validate other alleged debts - which they have not been able to validate and now they have added another older debt onto my report for {$620.00} opened on XX/XX/2018. I have also looked up this original creditor and I have never lived or been to XXXX XXXX, Nevada. Ever since I have asked for validation from this collector they are arbitrarily and viciously adding more debts without my knowledge that the debt even existed without sending me proper notices for validation. I have been sending these letters of validation and they have failed to validate that any of these alleged debts are mine without proper proof. Furthermore, these debts are outside of the statute of limitations. I will also be filing complaints with the XXXX and the Texas Attorney General 's Office today.
|
| 07/05/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX XXXX letter with XXXX requirements to CommonWealth Financial. I had my XXXX XXXX Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.
|
| 09/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Debt appears to be from an emergency room visit from XX/XX/2017. I was not aware of the debt or ever given an opportunity to review the details. I am still not sure what this is in regards to. Also, this debt is over XXXX XXXX XXXX.
Also there are 3 collections listed all for similar amounts and for the same date. the amounts and account numbers are : XXXX XXXX Acct # XXXX XXXX {$1400.00} XXXX XXXX Acct # XXXX XXXX {$1100.00} XXXX XXXX Acct # XXXX XXXX {$1100.00} I tried to dispute this collection previously but was told it was valid and never received any details regarding the charges. I need to see a detailed bill, my signature accepting the charges and the notice that I should have received advising me that this was going to collection.
I was able to research XXXX XXXX and they operate the emergency room at XXXX XXXX XXXX. I contacted the hospital and they had no record of the visit.
|
| 03/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Commonwealth Financial Systems , Inc. Commonwealth Financial Systems , Inc has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Commonwealth Financial Systems , Inc . They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
|
| 03/28/2017 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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I received a bill from Commonwealth Financial Systems on XX/XX/2017. This letter was dated XX/XX/XXXX. I spoke with XXXX and explained to her that XXXX was an " umbrella name '' for every doctor, hospital, lab and clinic over a vast area of Texas. She did n't have the itemized information I needed, so Iasked her to please mail me a detailed bill so that I could verify it was mine and then I would pay the bill. She said it would just take a few days. A week later I 'm calling back. I checkcreditXXXX XXXX report and I have another bill from the same company for {$1000.00}. I spoke to XXXX and he said it shows that both of those statements are ready to be sent out but he did n't know what the status was on them. XXXX is horrible about selling debt to XXXX different agencies. At this time I can only assume that neither invoices are mine, and respectfully ask they be taken from my credit record.
|
| 04/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
. They keep on putting this account on my credit report they called many times, the man was rude and kept on calling after many letters finally they removed from my credit report, and now it's there again .please remove this item.
To attempt to collect the debt on which the creditor can not show a contract or an underlying basis would violate the Fair Debt Collection Practices Act,.
Specifically, section of the FDCPA : Unfair practices [ 15 USC 1692f ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
|
| 01/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I received a letter from COMMONWEALTH FINANCIAL SYSTEMS, INC. regarding account XXXX. I reached out to them for debt verification, thus I was sent this letter, but on the letter it shows the original creditor name ( XXXX XXXX XXXX ) and a service date of XX/XX/XXXX. However, on my credit report, the date open says XX/XX/XXXX. Naturally, i call them to figure out the issue. A case manager continuously insists that the date on the actual report is the date THEY { CFCI } received the account from ANOTHER collection agency, but even if they had, that would not cause the " date opened '' on my report to change. The more we spoke, the more she insisted everything was correct. After more pressing, she tell me the drop off day for the debt is XXXX, so if that is in fact the case, how is the date open XX/XX/XXXX?
I would like this account REMOVED FROM MY CREDIT REPORT immediately.
|
| 04/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Dear sir/madam, few months back I submitted a complain concerning a company know as XXXX XXXX for collecting a false debt from me.
Until today such false debt continue to appear on my credit report despite my initial complain. ( XXXX and XXXX ) few days back I notice on my credit report that another company known as COMMONWEALTH FINANCIAL put a note on my credit report stating that I was own them, I called the company to find out what transaction I had with them because I knew I was not owing them. But the company COMMONWEALTH FINANCIAL told me that they bought some debt from XXXX XXXX that has my name on it.
dear sir/madam I am not owing any of these companies or their affiliate and I do n't see the reason why both companies should note on my credit report that I am owning them same debt despite I know I do n't.
this is I D theft i will be glad if your office look into this matter
|
| 04/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Dear sir/madam, few months back I submitted a complain concerning a company know as XXXX XXXX for collecting a false debt from me.
Until today such false debt continue to appear on my credit report despite my initial complain. ( XXXX and XXXX ) few days back I notice on my credit report that another company known as COMMONWEALTH FINANCIAL put a note on my credit report stating that I was own them, I called the company to find out what transaction I had with them because I knew I was not owing them. But the company COMMONWEALTH FINANCIAL told me that they bought some debt from XXXX XXXX that has my name on it.
dear sir/madam I am not owing any of these companies or their affiliate and I do n't see the reason why both companies should note on my credit report that I am owning them same debt despite I know I do n't.
this is I D theft i will be glad if your office look into this matter
|
| 11/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I only knew about this debt because of XXXX XXXX. I received no notice and have been trying to contact them for details. I am not sure what account this is regarding, as I have taken care of my hospital visits already. My recent hospital visit was not charged on the grounds of charity. I have already contacted the hospital to confirm that it was in fact absolved. If this isnt a charge from the hospital I am not sure what is it, and have been trying to gain contact to find out where it is from. It has been on my report since XXXX, which also dont make sense, as I have not visited the hospital at all this year. If it is older, I do not know why I havent gotten any information regarding the charge and it being sold to collections. I graduated college in XX/XX/2023, and working on repaying student loans. for this reason I can not afford this expense and need the opportunity to dispute this
|
| 06/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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Debt Collector : Common Wealth Finance XXXX ( XXXX ) XXXX Is attempting to list an old account as open and new. This same account has been disputed multiple times on my credit report and removed multiple times for inaccurate reporting on the age of the account with various other debt collection companies. As well as old enough to have fallen off without dispute.
This company has failed to list any pertinent information about the original account. It has not listed the age of the account, it has not listed the date of original delinquency, and has not notified me of the debt. This company is getting away with reporting this account inaccurate and unfairly. This account is not new and it is not open. It is to old to be on my credit report.
These people have the ability to hurt anyones financial future and should be made responsible for the inappropriate way that they conduct business.
|
| 06/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I received an alert regarding a collection on my credit report. I contacted the collection agency and informed them that the collection they placed on my credit report does not belong to me. The so-called person is a male who happened to share the same birth date as I. The name of the collection agency is Common Wealth Financial which placed a collection on my credit for {$1.00}, XXXX ; Account : XXXX ; Service date XX/XX/2017 for a XXXX XXXX XXXX. My name is not XXXX XXXX XXXX ; it is XXXX XXXX XXXX and I am a female not a male. How could these people do that to my credit? Just because someone shares a birthdate, that does not mean it's the person you're looking for. I called them and informed them of their mistakes and they are suppose to contact the credit bureaus to remove this damaging collection on my credit profile ; but I am not sure if they have done that. This is incredible!
|
| 03/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I have a collection on my credit reports from a Commonwealth Finance, dated XXXX of XXXX. I have not received any information of any form, bill or letter, from this company. I have called the numbers listed for the company and get a continuous busy signal each time. I have disputed this account through the credit bureaus on XX/XX/2021, because I have not been contacted by this company or have knowledge of this company/account. XXXX removed said account. XXXX XXXX XXXX are showing the account is valid as of XX/XX/2021. I have yet to receive any form of contact from this Commonwealth Financial. I have looked this company up and it was mentioned they deal with medical bills. I have not been to a medical provider in 2 years, and I have lived in Texas for 5 years, so an account dated XX/XX/2021 doesn't make sense. How old is this account? Why have I not been contacted by this company?
|
| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Good Day, I am XXXX XXXX and my reason for me reaching out today is to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.
I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
|
| 03/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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New account was placed on my credit report in XX/XX/XXXX by Commonwealth Financial Services. I noticed the account and sent the company a certified letter on XX/XX/XXXX requesting information about the debt. It was signed for on XX/XX/XXXX. I never received anything from them. On XX/XX/XXXX, I disputed the debt with XXXX as no knowledge of the debt and it came back as verified on XX/XX/XXXX. On XX/XX/XXXX, the account was closed on my credit report, but still had a balance of {$1700.00} and I filed a complaint with the XXXX that day. Today, I received an alert that a new collection account would be going on my credit report under the name XXXX. I looked up the account and discovered that it is XXXX XXXX XXXX. I don't even know this debt is for and the company has failed to provide me with any information before or after they placed collection accounts on my credit report.
|
| 12/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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|
They called frequently and at odd hours including weekends. They were rude and wanted information from me without telling me who they were. Asking for my private information. I was laughed at hung up on and talked down to for wanting to know who was calling me and why. I was cussed at also by them. They would n't help me with anything I have never received a paper letter from them saying I have a debt with them. They called from multiple numbers, if I answered I got a man who you could n't understand who then forwarded you to the company who asked why you were calling them. They are completely unprofessional and crazy. They think people do n't know the law and what they are allowed to do and not do. After I finally got to then and not hung up on I started quoting the law to which the manager laughed hysterically and told me to be quiet little gir ( I am not a little girl )
|
| 08/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company sent me a letter dated XX/XX/XXXX regarding a medical debt owed to XXXX XXXXXXXX and giving me 30 days to dispute it. On XX/XX/XXXX, debt collector reported my debt to the credit bureau without giving me an opportunity to dispute the debt. Once I contacted the debt collector regarding the debt, they mentioned that the debt was from a procedure back in XXXX, XXXX without giving me any other information. Of course, I have no recollection of any owed debt to me from back in XXXX. Debt collector told me that they can not provide me with an itemized bill and instructed me to call my insurance company or primary doctor even through the original creditor was from XXXX XXXXXXXX. I explained that I will need to see some sort of bill from the actual original creditor to make sure my insurance did not just pay the bill but debt collector could not provide me with such proof.
|
| 05/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The collection company stated above has reported that I received medical attention at the following facilities on the following dates or that accounts were opened on the following dates : -XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) -XX/XX/XXXX ( XXXX XXXX XXXX XXXX ), -XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). These accounts were placed in collections when I never received medical attention on these dates and if I had, I was fully covered by Nevada XXXX and XXXX XXXX coverage on those dates. These are false accounts with false dates in an attempt to try to prolong the collection timeframe on accounts that are clearly fraudulent. As stated before, these are fraudulent tactics and I will be writing an official complaint to the Nevada XXXX, the Nevada Department of Health and Human Services and the Better Business Bureau if these issues continue to persist.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2021 I checked my credit report and it has been brought to my attention that Commonwealth Financial Systems has 3 negative remarks on my report of {$280.00}, {$56.00}, and {$870.00}. The total debt they are claiming that I owe them is {$1200.00}. On XX/XX/XXXX. 2021 I mailed Commonwealth Financial Systems a registered letter via certified mail ( see certified mail receipt.jpg )., requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see request of validation.pdf ). Commonwealth Financial Systems has failed to provide any validation bearing my signature that I owe them is debt.
|
| 06/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A credit alert for a derogatory account was placed on my account on XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX for {$1600.00} -- TWICE!
A credit alert for a derogatory account was placed on my account on XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX for {$1600.00}.
A letter demanding payment for two separate amounts of {$1600.00} was sent to me with a date of XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX. All parts of this letter are attached as files to this complaint.
This is a bill for an ambulance with a date of service in California from XX/XX/XXXX. It is now XXXX and I live in New Mexico. I do not owe the company this money. I did not acknowledge the debt and " reset the clock. '' This company is attempting to ruin my credit in order to illegally intimidate me into paying.
|
| 12/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Was notified by credit monitoring service that a collection had been placed on my report, the phone # listed was to a completely different collection company that said they had no idea who I was and DID NOT have an open collection in my name. Upon further investigation and a Google search I found that Commonwealth Financial Systems was the one behind it. I called them and they informed me that it was a debt from 2010 that was purchased by them in an attempt to collect it. The debt in question never belonged to me to begin with and was disputed and deleted as unverifiable several years ago, Commonwealth has changed the amount slightly to make it appear as if its a new debt and placed it on my credit with no prior notice or contact before doing so. After another Goggle search on Commonwealth it appears that they are notorious for illegal and unfair collection tactics.
|
| 05/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received letter from collection agency Commonwealth Financial Systems on behalf of original creditor XXXX XXXX XXXX XXXX ... I have called numerous times and left messages for a return call to validate that the bills are mine..requesting any kind of documentation that would have my social security number and or signature ... I have not gotten any response to my numerous messages..Both collection agency and original creditor are based out of Pennsylvania. I checked the TX Secretary of State website for these two companies to see if they are licensed to collect for the state of TX ... Could not find either name on site. I am requesting both of these collections with Commonwealth Financial Systems -- with their file number XXXX -- amount {$830.00} and file number XXXX amount {$56.00} Date of Service XX/XX/14 be deleted from ALL credit bureaus and consumer agencies.
|
| 03/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Creditor : XXXX XXXX XXXX XXXX XXXX Collection Agents : COMMONWEALTH FINANCE Debt : {$1200.00} I am a recognised victim of Identity Theft due to Stolen Identity which has comprised my identity and due to the effect of the XXXX breach. Over a year ago an Identity Theft Affidavit was filed with the FTC along with supporting documentation which included my police report of the incident were furnished via the disputing process and the creditor and the 3 credit reporting agents were informed of the process. The creditor ; and the 3 ( CRA ) complied but have to date stated that they have revalidated and are re-reporting this account that was fraudulently opened due to Identity theft. The creditor, XXXX, XXXX and XXXX have disregarded the 605B rules set forth in the supplied guidance document provided which dictates the rule set by the FCRA and is not in compliance.
|
| 04/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Commonwealth Finance supplied the Credit Bureaus with negative, destructive and false information stating I owed a debt. The said company was contacted by phone on XX/XX/XXXX and was told that the debt was not owed due to bankruptcy and was provided the record. The dispute for the debt was approved and stricken from my bureaus. As of XX/XX/XXXX, the same company has reissued the same debt and has potentially ruined any chances of credit being extended and raising my insurance rates and lowering my credit score dramatically. I am in peril of having my credit cards charging me a higher interest rate. They are holding my credit for ransom for a debt that is not owed. They sneakily added this to my bureaus and have not sent any letter or called to inform me of said debt. This is heinous and they need to be severely reprimanded for this insidious business practice.
|
| 08/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This debt collection company involved is : Commonwealth Financial, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX They call me about 2-3 times PER day during business hours while I 'm at work, I have already blocked their phone multiple times but they use a different number every time.
The worse part however is that this debt is from XXXX, and they are reporting it in my XXXX credit report with a date of XXXX XXXX. I have already disputed this debt and got it taken off my XXXX credit report, however XXXX has been uncooperative on investigating and resolving the issue. I had to speak with 3 different customer representatives and finally the last one begrudgingly submitted my dispute request. Their final result was that the debt was valid even though it states in the investigation document the debt is from XXXX, they still left the date of XXXX XXXX!
|
| 11/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Commonwealth financial systems sent me a letter notifying me of a debt they were collecting which was a very old debt that fell off my credit record. They said I had 30 days to dispute this letter. The letter was dated XX/XX/. There was an amount offered as a settlement, and just today I was notified, that my credit Reading plunged 48 points because they already had put this on my credit. I am livid. This is XX/XX/XXXX and I havent even had this letter two weeks and its on my credit record already. Im thinking about contacting an attorney to sue them. I attempted to file a dispute with the credit bureau and they would not allow me to do it, it said that I had contact the Collection agency. This is not going to fall off my credit, until I pay this debt. They did not even give me the chance to dispute it in writing before they reported it to the credit bureaus.
|
| 08/13/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I was involved in a car accident ( No fault of mine ), and was taken by ambulance to XXXX Hospital. XXXX years later, I 'm receiving phone calls, letters for collection. I went to court, won the case, and all hospital bills, were paid, by my attorney, and my government health plan. The records have been archived, and I told the collection agency about the records, being archived, and they are asking for payment, when they 've been paid. The debt, was removed from my credit report, and was put back on XX/XX/XXXX. My credit scores, were in good standing, now they have dropped toa score I want removed and restore the previous scores. This company has violated the Fair Credit Collection Act, and I am thinking about suing this company for the aggravation and score reduction. Please have this removed, and I will pursue, taking action. Respectfully!!
|
| 04/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The name of this agency who is trying to scam me is called : commonwealth financial systems.
I got a letter in the mail dated XX/XX/XXXX about a debt from XXXX. There was an original XXXX account number and an outstanding debt amount of over XXXX dollars. I never had XXXX in my life. When i called the number on the letter the shady rep was very combattive and insisted that i started an account back in the XXXX. Thats when things got weird because i am only XXXX years old, so in XXXX i wouldve been XXXX. The whole thing made no sense. The rep then hung up on me and i called back and spoke to her supervisor who advised meni need to send my birth certificate to prove that i was underage at the time the account was opened. This company reaks of SCAM. I then called XXXX to check the validity of the collections and they did not have any account with that number.
|
| 11/09/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have a medical collection posted on my credit report from Commonwealth Financial Systems ( CFS ). The debt is not mine. I have contacted CFS to verify the debt. I requested to be provided with a proof that this debt belongs to me, as any accounts I might have had are obsolete. They did not provide me with any document or evidence that this debt is mine. Under HIPAA privacy laws CFS should not have any of my personal medical information, unless they have a " written '' agreement with the original creditor to collect debt on their behalf.
I have called CFS several times and I have send certified letter requesting to cease and deceit from reporting incorrect and false information to the credit report agency.
CFS have not responded to any letters I have send to them. Commonwealth Financial Systems continues to report false information on my credit report.
|
| 07/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Financial reported this erroneous debt to my credit reports. This is a debt that I do not owe! This debt was purchased by Commonwealth financial from another junk debt collector named XXXX XXXX XXXX whom was unsuccessful in attempting to collect this alleged debt because of their failure to Validate this debt in accordance with the Fair Debt Collection Practices Act. To add insult to injury, Commonwealth Financial did not send me a written notice in regard to the debt, and also failed to notify me of my right under the Fair Debt Collection Practices Act to dispute this erroneous debt before inserting it on my credit reports. Failure to properly Validate this debt in accordance with the FDCPA ( which you can't do, I don't owe you anything ) will result in my filing a small claims suit against your company for multiple violations of the FDCPA.
|
| 06/09/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have a medical collection posted on my credit report from Commonwealth Financial Systems ( CFS ). The debt is not mine. I have contacted CFS to verify the debt. I requested to be provided with a proof that this debt belongs to me, as any accounts I might have had are obsolete. They did not provide me with any document or evidence that this debt is mine. Under HIPAA privacy laws CFS should not have any of my personal medical information, unless they have a " written '' agreement with the original creditor to collect debt on their behalf. I have called CFS several times and I have send certified letter requesting to cease and deceit from reporting incorrect and false information to the credit report agency. CFS have not responded to any letters I have send to them. Commonwealth Financial Systems continues to report false information on my credit report.
|
| 04/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Financial Systems is reporting false and misleading information to XXXX. I have never heard of nor have I ever contracted with Commonwealth Financial Systems. On Tuesday, XX/XX/2018 I mailed out certified letters to both Commonwealth Financial Systems and XXXX seeking validation, not verification of this allege debt under the Fair Debt Collection Practices Act. As of Sunday, XX/XX/2018 both Commonwealth Financial Systems and XXXX have failed to provide me with a response and they have also failed to provide me with a release that releases my medical information to them, therefore by providing ( Commonwealth Financial Systems ) and furnishing ( XXXX ) such information they are in clear VIOLATION of my HIPPA rights. I will now seek every legal remedy available to me and file suit against all parties responsible for reporting this violation.
|
| 08/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My daughter, XXXX XXXX, was involved in a car accident back on XXXX XX/XX/XXXX. She was seen in the emergency room in New Mexico ( XXXX XXXX ) shortly after the accident. I was XXXX XXXX military at the time and she was under my insurance, XXXX XXXX. Since then I received letters from them to pay the debt. The bill was sent to XXXX and it was taken care of. After that, beginning in XXXX approximately Commonwealth Financial has repeatedly tried to collect the debt. I have tried to have the bill taken care of since then with XXXX, but it is still showing on my credit report.
The bill amount is {$700.00} and was originally being billed by XXXX XXXX XXXX. It is now with Commonwealth Collection with the account # XXXX. I have submitted proof of insurance coverage for my daughter beginning XX/XX/XXXX until now. That is still apparently not enough for them.
|
| 08/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
COMMONWEALTH FINANCIAL has inserted 13 ACCCOUNTS representing different medical companies into my credit file. I have never had any business or obligation with Commonwealth nor the medical companies they represent..NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed Commonwealth of this status. Commonwealth can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. Commonwealth has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
|
| 09/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I do n't have a clue who this account belongs to and why the heck it 's on my credit report. Please do n't use your bogus tactics purchasing accounts and placing them on my credit, your seriously breaking the law right here. I am challenging you to show me proof of the verification process. You must report 100 % accurate verifiable information.You are clearly violating the law in this case according to The Fair Credit Reporting Act. 609 requires proper verification according to established case law involving the credit bureaus so there you have please remove this account within 24 hours or I will go down to the court house and file a case on you real fast. I do n't play no games with my credit. It better be off my credit by XXXX XXXX, 2017 Wednesday to avoid court fees and civil case.
1. XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
|
| 04/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I, XXXX XXXX natural person recently did a cfpb Complaint against Commonwealth Financial Systems Inc for putting medical collection on my consumer report. I didn't receive a letter from them about this debt. So how can I respond in 30 days. I'm demanding proof that Commonwealth Financial Systems Inc sent me a letter and I sign with my wet signature showing that I received it. Even so pursuant to 15 usc 1692g ( c ) Admission of liability- The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. So the only person that can say I owe this debt is me. I DO NOT OWE THIS DEBT. SO REMOVE THIS COLLECTION FROM ALL MY CONSUMER REPORTS. Show me an agreement stating that if you buy my debt from the original creditor that I would pay you with my wet signature!!
|
| 07/23/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I received a letter from Commonwealth Financial Systems stating that I owed money to : XXXX XXXX XXXX Services in the amount of XXXX. The letter stated that they had purchased the account and if I considered the debt valid they requested payment. They further stated that if I failed to let them know in 30 days that I disputed the validity of the debt they would consider the debt valid. They also called to request payment and asked for last XXXX digits of my SSN. I told them I do not give out information on the phone. They have a spot on the letter for you to fill out your credit card information and offer XXXX automated payment. They push hard for payment and are hoping you just pay it right away without taking the time to research it. Obviously, XXXX XXXX XXXX is not a real company and the debt was not owed but they sure make you feel like it is.
|
| 04/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received correspondence from Commonwealth Financial in reference to 2 medical bills on XX/XX/XXXX where services include Emergency Evaluation for {$960.00} and XXXX XXXX XXXX for {$51.00}. The provider is XXXX XXXX and were provided at XXXX XXXX Hospital on XX/XX/XXXX in XXXX XXXX XXXX, Florida. My Name is XXXX XXXX XXXX XXXX, ( The bills are in the name of XXXX XXXX XXXX ) I've not received services from a hospital in 15 yrs, Certainly not from XXXX XXXX Hospital nor been attended to by XXXX XXXX. My concern for Commonwealth Financial is what are your standards and protocol of verification of a bill to an individual? Do you verify birthdate?, Social security number? If you did, you would clearly know that these medical bills dont belong to me. I've contacted XXXXxXXXX twice and left 2 messages for XXXX XXXX to resolve this matter immediately.
|
| 03/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear Sir or Madam, Common Wealth Financial Systems CFS has attempted to collect a false debt of {$1400.00} from XX/XX/2013, with no verification, and no proof or legal claim, or valid right to collect monies. It is my understanding that they falsify claims and prey upon elderly, ill and XXXX who have received services from medical institutions that have transitioned to new administrations. I would like to join in the class action lawsuit that is currently being filed against this fraudulent debt collection agency. The name/number I was given to contact is XXXX XXXX at XXXX XXXX XXXX ext. XXXX.
Their listed information shows : CFSI Account # is XXXX, current creditor XXXX XXXX XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX, Original Account XXXX.
I have contacted the company with no response from them yet.
Please Advise, XXXX XXXX XXXX
|
| 05/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I set up a payment plan with the company ; 4 payments of {$20.00} on the XXXX and the XXXX . I called on X/XX/17 to CANCEL the payment and the gentleman on the phone told me he would have the payments deleted. I am unhappy with the call. It was unprofessional and the man did n't read any disclosures nor did he verify me or assure me that he was even on the correct account until I questioned him about it. My card was still charged on XXXX even though I was told it would be canceled. I called the company to request a refund but the payment coming out has cause me to be unable to take care of other pressing matters. I do not feel comfortable dealing with this agency. The call made me feel as if I was n't speaking with an actual legitimate company. I feel lied to and even though {$20.00} may not seem like a lot to most it is a lot to me.
|
| 03/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Opened : XX/XX/XXXX ( 4 mos ) Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX Amount owed : {$710.00} and another opened with {$750.00} Opened XX/XX/XXXX ( 4 mos ) and the last time I went to XXXX XXXX XXXX XXXX was in XXXX or XXXX, I left this area since XXXX.
How come it's open then XXXX? I have no idea what this debt is about. If it was for my kids whom had insurance by that time, it should not be under my name or in my credit report. And guess what we might resolve this in court because those emergency rooms always fail to charge the insurance companies which my kids have XXXX and now adding all this amount on my credit report. I'll give you 30 days to remove this from my report because it is proven that all my kids have insurance since day one and never cancelled. And in fact even so, should not be under my reports.
|
| 12/17/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I notice a new collection on my XXXX credit report and didnt reconize it disputed it with the credit bureau. Cam back as verified. Contact the collection angency that was listed on my credit report and ask about this debt. Then they gave me a name other than mine as the oweing the debt. And told them i am disputing this debt i want original bill and what if anything i paid on this aledged debt and what are the charges for. The agent said to me we dont do that all we have is a computer generated bill ( tied assuming to my social security number being on my experian credit report ) cause the name they gave me was XXXX. Not XXXX, and they told me i need to contact the oringinal creditor not them i keep asking for them to validate the debt but refused telling me its not there job. I told them to remove this from my credit report but refused to.
|
| 12/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX i received an alert from my XXXX app. Leting me know i had a change t ok my credit bureau report. I reviewed the change showed common wealth financial for a negative balance of {$1300.00}. I XXXX company called spoke with a collection representative told me was for an emergency room visit at a hospital i never been to. She told me the account was received on XX/XX/XXXX but the initial collection notice was not mailed out until XX/XX/XXXX to an address i have never lived at. Then The account was placed on my cbr on XX/XX/XXXX which was in violation of the 30 day validation period. I then spoke witha supervisor updated address and requested all supporting documents for this debit requested account be moved to dispute status and put in compliance department for fdcpa violation of 30 day validation period and repoting on my cbr
|
| 02/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I filed a complaint XXXX against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX for an old medical debt from XXXX. The response was nothing further could be done. XXXX failed to mentioned the sale of the old XX/XX/XXXX debt to Commonwealth Financial Systems XX/XX/XXXX. It is now appearing as a current debt. XXXX did the same thing with another debt in XXXX, in which they sold this debt to XXXX XXXX XXXX. XXXX closed the account when I filed a claim with you.
The above debt is the same story as past debts. Once a debt is XXXX years old in New Jersey, it's to be removed from my credit report.
This is another attempt at collecting on a bill that several line items couldn't be accounted for. All negotiations stopped at that point.
Commonwealth must close this account and remove it from my credit report. Thank you.
|
| 10/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the XXXX, and have contacted the XXXX XXXX XXXX. If this error is n't removed i will be seeking compensation through a civil courtroom for damages {$3000.00}. You will be faced with fines and several consequences due to the fact that i 'm unaware of this account and i was never contacted by no one to get my consent.
COMMON WEALTH XXXX ACCOUNT # XXXX
|
| 07/05/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Is slamming my credit report with bullying tactics for a so called debt that I do not owe. In the past months they have plagued my credit report with 3 different derogatory marks for exactly the same amount, {$1900.00} ( no change ) First was XXXX on XX/XX/2021 and then thru XXXX on XX/XX/XXXX and also on the XXXX of XXXX. Something else I found strange is that my credit report was also hit by XXXX XXXX XXXX on XX/XX/XXXX of XXXX with the exact same charge of {$1900.00}. All of these Fraudulent charges stem from an old Fictitious medical bill for services that were never rendered. I do not owe this bill and I should not be harassed for it. I have beat these collection agencies repeatedly in the past and I do not understand why it keeps coming back. How they repeatedly get on my credit report is Absolutely Ridiculous.
|
| 07/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This is an old medical bill that I had no idea existed from XX/XX/XXXX. This company never sent me any statements, correspondence, or contacted me until XX/XX/XXXX. I thought this was a fraud case and when I contacted the company they stated that it's from XX/XX/XXXX I immediately put in a dispute with all the credit bureau. The company said it could ruin my credit. 2 of the bureau removed it from my credit due to the age of this account. However, they still have it on my XXXX report and have the information wrong. I have contacted the company about it because the original date of this medical bill is XX/XX/XXXX they are not accurately showing the correct date and information. It's very misleading and I haven't been able to get this resolved. I hope to get help here and I am planning to seek further legal help with this matter.
|
| 06/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have had calls from Commonwealth Financial Systems going back 4 years for someone I dont know.
Telling Commonwealth Financial Systems that I am not the person they are looking for does no good.
Does anyone monitor these idiots or are they simply allowed to run amuck harassing whoever they please.
This is absurd.
Is there no oversight in your industry?
I cant be expected to change my phone number just because these incompetents at Commonwealth Financial Services dont have the brains to get their contacts correct.
I can not magically become this XXXX XXXX they claim owes them money from XXXX XXXX.
I have parents in the mid XXXX and cant be expected to change my phone number to make this rogue company happy.
Am I expected to take a XXXX DNA test to prove I am not the one they are looking for?
I am sick of their calls.
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| 09/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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COMMONWEALTH FINANCIAL has inserted 2 ACCCOUNTS representing different medical companies into my credit file. I have never had any business or obligation with Commonwealth nor the medical companies they represent..NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. Commonwealth can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies because I never signed one. Commonwealth has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
|
| 12/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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roughly 8 years ago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company I worked for at the time, XXXX XXXX XXXX XXXX, sent me to XXXX XXXX in XXXX, Rhode Island, and never paid the bill. I have been contacted by the hospital and several different collection agencies over the years and told them it as a work injury and the bill is not mine, to no avail. 4 months ago Commonwealth Financial Systems took over the collections and sent it to my credit report. My score went from XXXX to XXXX in 4 months over a debt that isn't mine. I want this to stop NOW and i want the negative credit marks repaired immediately. I also want to know if there is civil actions I can take because I am starting a small business and cant get a loan, or credit, directly because of this and I'm already over XXXX into the business.
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| 03/31/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accountsXX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ...XX/XX/XXXX ( Original Creditor :XX/XX/XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 05/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Hello on XX/XX/2021 I had a medical collection account from a 3party collection company by the name of CommonWealth financial put on my credit report for the amount of {$1800.00}. I requested Validation of the debt be sent to me via certified mail. CommonWealth Financial received my letter and responded with a itemized bill on XX/XX/2021, No contract not signature of each medical procedure they are saying I had done! This response clearly violates my right according to HIPAA. They did not provide me with a HIPAA release form that releases my medical information to them, therefore by providing this information they are in violation of my HIPAA rights! I am proceeding with legal action against the above creditor should this item not be deleted within the required legal time. I will also file a complaint with XXXX and the XXXX
|
| 09/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have a collection account on my credit report that show Commonwealth Finance is handling for XXXX services. I have requested several times for the said business to send me documentation of the said debt. I spoke with a representative on XX/XX/2016 stating that this debt was not mines and that I had never been notified of the debt. I also communicated to the representative that they had the wrong address on file and he claimed that I would receive a phone call/letter in mail regarding the debt. I called and spoke with a representative on XX/XX/2016 stating that I have not received a phone call neither have I received any documentation by mail. I have been disputing this debt for some time now and still have not be able to get the matter resolve. Still have not been able to receive any documentation showing I owe this debt.
|
| 11/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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My complaint is actually with CFPB. The last few disputes were in regard to Commonwealth Financial Systems who is misrepresenting the date of the debt. They posted the date that they opened the account when purchased from a Broker, not the actual date of service. If you look at other disputes, XXXX XXXX XXXX XXXX XXXXXXXX? ) and XXXX XXXX removed two debts from the same company once the age of the debt reached XXXXXXXX XXXX, as the debts were from a XXXX XXXX XXXX XXXX XXXX
This debt originated from the same practice, original collection agency was XXXX. Commonwealth is using misleading and inaccurate information, since the date of service was XX/XX/XXXX, not the date they are using, XX/XX/XXXX. I have asked repeatedly for the correct date to be on the report but was refused, and CFPB is allowing them to get away with it.
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| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COMMONWEALTH FINANCIAL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 12/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COMMONWEALTH FINANCIAL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 07/20/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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This debt of {$100.00} is not my bill. This debt was bought by another debt collector XXXX XXXX XXXX XXXX in XXXX, VA. This was reported to my credit bureau again after it was removed and disputed. This was disputed and taken off my credit report by XXXX when the last debt collector had the account. Now I am being harassed again. The supposed creditor was XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX. I do not owe them a bill. I have not done business with this company. I do not owe the debt please provide validation of the debt with my signature. I have not agreed to any services or signed a contact with the supposed creditor. I want a copy of the signed agreement ASAP. If I am not provided with a copy of the signed agreement I will be contacting an attorney. I believe this fraud and this is not my bill.
|
| 06/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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An Account that was previously removed from my credit reports after an investigation was opened and completed, was reinserted back on my credit report and also re-aged. The Credit Bureau Agency did not notify me in writing within 5 business days. I was not notified at all that this account would be reinserted. The account was removed due to inaccurate information and not being liable any longer for this debt with the original creditor.. I also notice that this collection agency re-aged the account to keep the information on the credit report longer. This lowered credit score 50 points and I am in the middle of buying a home. This is a violation according to the FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) as well as violation according to the FCRA Section 605 ( c ) Running of the report period. Hipaa was also violated.
|
| 02/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
They keep calling my elderly grandfather 's house. I've repeatedly updated information giving them my number.
The last time they called there they told my brother what medical treatment I had received!!! Information not only should they not have as its a direct violation of HIPAA law, since I never gave consent for medical information to be released, but it also violates HIPAA in the fact they discussed my medical information with someone who WASN'T me!!!
I sent a written debt validation letter to them and NEVER got a response, in the letter I also requested HIPAA validation and never received it either. The letter also gave them my current address and stated I wanted to communicate via letters only.
They then called my cell phone constantly to the point I had to pay and install a robot/spam killer to avoid the calls!
|
| 03/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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|
Commonwealth Financial Systems has reported three collection accounts in the amount of {$910.00}, {$110.00}, and {$94.00} to my consumer credit file. I do not owe this alleged debt! Commonwealth Financial HAS NOT SENT any notice of collection to me at all. This is a strong violation of the FDCPA. If Commonwealth Financial has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUAL DOCUMENTS stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt in question in which Commonwealth has reported to my consumer credit file. Commonwealth has no legal right to attempt to collect a debt as this does not belong to me. Again Commonwealth has not validated this debt nor sent me any notice of collection.
|
| 11/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
My credit report showed a derogatory remark based on an unpaid amount that I was sent by a collection agency. The collection agency, COMMONWEALTH FINANCIAL SERVICE, reported an unpaid amount of {$870.00} from a medical facility in XXXX, FL : " XXXX XXXX XXXX. '' I have never been to XXXX, FL, nor have I visited " XXXX XXXX XXXX. This is the 2nd time COMMONWEALTH FINANCIAL SERVICES has reported this to the credit agencies ( the first time it was successfully disputed ). I do not know what/who the company is, and have been unsuccessful in contacting either COMMONWEALTH or " XXXX XXXX XXXX. '' I believe both to be fraudulent companies based off information I found online describing similar false reports and attempts to settle with people just to have it removed off of their credit reports even if it is not bona fide debt.
|
| 03/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was trying to buy another house, all of a sudden a bill appears from a Common Wealth Financial Systems for {$75.00} in my credit report. I contacted them and they gave me XXXX different stories of where the bill came from. XXXX was from a physicians office and the other story is that I went in to XXXX hospital in XXXX XXXX. I live in XXXX, I have never been to a XXXX hospital or any medical providers there. I called XXXX of these places and neither of them have proof or record of me being there. Common Wealth Financial Systems told me that they bought this bill from XXXX XXXX XXXX, but that they can not give me XXXX information. I have tried looking for XXXX contact information online, but there are many of those companies, I have also read similar stories to mine and they have all been fraud collections from XXXX.
|
| 04/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : COMMONWEALTH FINANCIAL SYSTEM # XXXX, XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX
|
| 02/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COMMONWEALTH FIN. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 03/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Commonwealth Financial Systems has reported three collection accounts in the amount of {$910.00}, {$110.00}, and {$94.00} to my consumer credit file. I do not owe this alleged debt! Commonwealth FinancialHAS NOT SENT any notice of collection to me at all. This is a strong violation of the FDCPA. If CommonwealthFinancialhas the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Commonwealthhas reported to my consumer credit file. Commonwealth has no legal right to attempt to collect a debt as this does not belong to me. Again Commonwealth has not validated this debt nor sent me any notice of collection.
|
| 05/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
About XX/XX/XXXX I incurred medical expenses not covered by insurance.
About XX/XX/XXXX I settled with the collection company for medical providers and paid in full. It was agreed that the amount paid would satisfy all outstanding debts.
XX/XX/XXXX Commonwealth Financial of Pennsylvania purchased this debt and reported to my credit without contacting me. I received no letter, email, or phone communication from them. Is it legal to purchase debt that has been paid in full? I don't think so. They are claiming debt for the full amount of the original debt which was settled and paid.
In any event, it is past the statute of limitations in Colorado.
I was not given opportunity to dispute the debt with Commonwealth Financial which violated Credit Law.
They reported to my credit on XX/XX/XXXX and damaged my credit.
|
| 10/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I am currently disputing debts that are allegedly owed on my credit reports. I have sent numerous letters to the collector to validate other alleged debts - which they have not been able to validate and now they have added another older debt onto my report for {$930.00} and {$980.00} dating back from 2012. Ever since I have asked for validation from this collector they are arbitrarily and viciously adding more debts without my knowledge that the debt even existed without sending me proper notices for validation. I have been sending these letters of validation and they have failed to validate that any of these alleged debts are mine without proper proof. Furthermore, these debts are outside of the statute of limitations. I will also be filing complaints with the XXXX and the Texas Attorney General 's Office today.
|
| 10/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against COMMONWEALTH. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3XXXX informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 07/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My Credit report was marked for collections on XX/XX/XXXX ) for the amount which was already settled in year XXXX.
I received a letter from collection agency stating i have 45 days to pay the pending charges the letter was produce on XXXX XX/XX/XXXX and the company reported the account for collections on XX/XX/XXXX.
This is complete unfairness, Firstly, i did not received a advance letter that gives me heads up that my account will reported.
Secondly, i was given 45days to pay and before the deadline was finish the account was reported for collections on my credit report.
I fully understand that they companies wait till you apply for mortgage or some kind of loan and then they damaged the account.
I have filed a dispute with XXXX already and I need to know if you guys can help in this regards. Thanks You.
|
| 05/31/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
REFERENCE TO CASE NUMBER XXXX Dear sir/madam few week back i submitted a compliant regarding the negative and fraudulent account COMMON WEALTH FINANCIAL noted on my credit report. But their response stated that they could not find the account on their data base.
How then did they report account that they do n't have on their data base? First i do n't own COMMON WEALTH FINANCIAL or any of their affiliates and this is a good reason to prove the account as a fraudulent one. Dear sir/madam, i want your office to have a look at the mail COMMON WEALTH FINANCIAL sent to my home address with a different recipient on it. The attachment is another prove that the account from COMMON WEALTH FINANCIAL is a fraud. I resubmitted this compliant because the attached mail was received XXXX days ago XXXX/XXXX/2016 Thanks XXXX XXXX
|
| 11/20/2020 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against COMMONWEALTH. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 10/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX I went for annual physical at XXXX XXXX XXXX XXXX XXXX and was told that my insurance would cover the physical which has every prior and every since. When I went to this 'doctor ' it was obvious from the start that it was shame, I've never had a physical like the one I had at this place. I'm pretty sure the person who saw me wasn't a trained medical professional. A couple years after my physical I was sent a bill for {$480.00} and at that time I wrote saying I wasn't paying because they didn't provide the service they were supposed and I was told insurance would cover the cost. A few more years went by and they got COMMONWEALTH FINANCIAL calling me nonstop from a variety of numbers. The charge and service was fraudulent to begin with and now I have these guys calling me nonstop throughout the day.
|
| 06/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted CommonWealth Financial System ( collection agency ) 3 times explaining to the company they have mistaken identity. The three disputes were made on XX/XX/2021, XX/XX/2021 and XX/XX/2021 I have never obtained any services from the company they are attempting to collect for ( XXXX XXXX XXXX XXXX ). I have also tried to contact the original company XXXX XXXX XXXX XXXX and the company does not exist.
When contacting the Common Wealth via phone they refuse to discuss the matter unless I provide personal information via SSN and Birthday.
My primary request to Common Wealth is to provide information of identity or any type of signed contract as they have the incorrect person.
As previously stated I have never received services, agreed as a guarantor or received statements from XXXX XXXX XXXX XXXX.
|
| 10/13/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Commonwealth Financial Systems , Inc. of XXXX XXXX, PA had sent me a collections and verifications notice as to an unidentified debt for a physicians service of which is unidentified and unknown to me.
I have responded to the 30 day letter disputing the matter however upon checking my credit reports they have posted negative marks against me as to collections. The date of their notice is XXXX XXXX, 2016 and the derogatory credit posting is XXXX XXXX, 2016 almost 30 prior to contacting me. This is in full violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) since I have disputed the claim and requested validation. This agency has violated sub section as to reporting inaccurate information as to credit reporting agencies even prior to contact me as to the validity of the information.
|
| 08/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Around XXXX 2016 , Commonwealth Financial Systems began r eporting a collection for XXXX XXXX XXXX for {$680.00}. I believe this was regarding an emergency room visit several years ago. I do not have any debt to XXXX XXXX XXXX since my medical insurance covers ER visits. I feel this is probably a moot point anyway sin ce Commonwealth Financial appar ently is not licensed to collect debt in Florida. When I looked up their Florida consumer collection agency license, it stated in capital letters " REVOKED/VOID. '' I have disputed their information to XXXX twice and in both insta nces Commonwealth re plied the debt was " accurate, '' although without explanation as to how this was determined. And I 'm not sure how their able to report information to XXXX without a valid Florida license.
|
| 12/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I filed a report and a 90 day fraud alert with the reporting credit bureau to notify them of a fraudulent medical collection reporting on my credit report. I then reached out to the debt collector and the medical facility who let me know this was a bill for a medical service performed on XX/XX/2014 in XXXX, Ok. I lived in XXXX Oklahoma at the time and never visited an Emergency room or even knew a patient by the name of XXXX whom they are stating the services were performed on. I notified them that this is fraudulent and I do not know this person or even where this facility is located. Apparently my stolen information was listed as the responsible party. I grew greatly concerned and am just trying to get this fraudulent information taken off my credit report because it impacts me personally and my family.
|
| 02/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently received notification that my credit score had changed. I immediately checked with credit reporting agencies and found that my credit history with XXXX includes a derogatory mark reported on XX/XX/2017 by a collection agency identified as Commonwealth Finance. The debt claimed is in the amount of {$1100.00} ; the original creditor is identified as " XXXX XXXX ''. XXXX would not provide any additional information. I have no knowledge of this activity and I was not aware of this alleged debt, nor have I ever been contacted by Commonwealth Finance, XXXX XXXX, or any other party regarding an outstanding account balance or debt owed in this or any other amount. As a result, my credit has been damaged without my knowledge and without the opportunity to dispute or otherwise rectify the situation.
|
| 09/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Common Wealth Financial Systems Inc. re-aged an old medical account and submitted it as a debt owed to them to the major credit bureaus. I do not owe this company anything, I have never signed any agreement with them. I reached out to the company and asked them to remove the inaccurate information from my account and they sent back a letter in reference to the debt including a list of my medical procedures. I sent back a response for them to remove the info from my credit reports and also to cease distributing my medical history because I did not sign a consent for them to use my medical information. They have violated my HIPPA rights.
The company posted a debt of {$920.00} with an open date of XX/XX/2021 to my credit report. I have asked that they remove it and I have not received a response as yet.
|
| 04/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This Company- Commonwealth Finance , keeps reporting that I owe a debt I have paid in the past. I have disputed this info with the credit bureaus. Now, having done that, after reporting them to try to get the info removed from my Credit Report, they are now sending me a piece of mail showing they want me to pay for a different collection I know nothing of AND it shows the amount owed is {$0.00} but they want to collect anyway. I do not owe these people or those debts. What they are doing is not right! I want this company to stop reporting me falsely and trying to get me to pay money I do not owe. I have done my research and this company is well known for having class action law suits against it for this exact thing including hundreds of reports to the XXXX for unlawful attempts at debt collections.
|
| 03/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Commonwealth Financial Systems responded to a recent complaint I filed against them with the CFPB ( Case number : XXXX ) stating that they were closing the account and removing the unsubstantiated collection account from my credit reports. The day after they responded to my complaint- instead of deleting it, they actually updated the collection on my XXXX credit report. Commonwealth also responded to the XXXX stating they were removing the collection. I contacted XXXX fraud department and they assured me that they had placed a fraud alert on my credit report and that they would begin their own investigation. With the enormous number of complaints against Commonwealth Financial Systems I am baffled as to why the CFPB has not taken action against them. I feel like this nightmare is never going to end.
|
| 01/30/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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|
This was a medical bill to XXXX XXXX XXXX XXXX for the amount of {$380.00} on XX/XX/2016 insurance paid {$72.00} and left me with a debt of {$310.00} which insurance paid it directly to the hospita after it was appealedl. They XXXX XXXX XXXX Attempts to collect this debt again on behalf of another agency XXXX XXXX XXXX XXXX XXXX and are asking me for a proof I do not have the receipt, even the hospital now has a different name which is a XXXX XXXX XXXX XXXX XXXX. I spoke to a lawyer, and he told me that this dept should not be in a collection agency. They also opened an account with a debit to decrees my credit score, which is the least thing I would care about because I already own two houses. My opinion is that this agency is trying to collect this money for themselves, and this is my complaint.
|
| 11/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 12/31/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Good morning Everyone, On XX/XX/XXXX, I found out a debt collection for the amount of {$1400.00} on my credit report for which I have no clue. The name of the company is Common wealth Financial, the original creditor is XXXX XX/XX/XXXX and it was opened on XX/XX/XXXX. In the next day, I called the company, I provided my full name and my date of birth for the verification. The lady on the phone told me that they are were going to put it on a dispute file so they could remove it later. I wish the did that before taking any other legal action. For your information, I remember I disputed the original creditor twice in the past, but they keep putting negative item on my credit. Please help me with this matter because it hurts my credit so bad.
Thanks in advance.
Respectfully, XXXX XXXX DOB XX/XX/XXXX
|
| 09/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
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My XXXX old mother received a phone call from this agency less than a week after my father was buried. The company representative scared my mother mentioning liens against her farm, credit reports, etc. My mother shared that this man 's tone and approach scared her and was very disturbing to her. I called the company and found this individual to be very callous. His lack of basic human decency is beyond pale. Trying to scare an XXXX XXXX XXXX widow out of {$500.00} ( contested debt that my father cleared with the company and yet could not get them to clear in " their systems '' ) is abhorrent. Our father and mother have always paid what they have owed- my father has only contested XXXX things in his life and stood on principle regarding companies trying to collect what is not fairly owed to them.
|
| 07/06/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Commonwealth Financial has an open account of {$770.00} from XXXX XXXX XXXX ( Original Creditor ) which identical to an account XXXX Has recently removed from my credit. Commonwealth Financial also has an account opened for collection XXXX/XXXX/XXXX, however the Original Creditor ( XXXX XXXX ) turned the account over to COMMONWEALTH XX/XX/XXXX. Not to mention the service the doctor is charging me for was never rendered. In his report he list trying 4 failed attempts at XXXX which was beyond his maximum allowed attempts. Resulting in admission to hospital for XXXX directly due to the doctor 's inability to perform. Causing further medical expenses to myself such as extended hospital stay, XXXX due to negligent medical practices. XXXX XXXX is at fault and is represented by XXXX XXXX XXXX XXXX XXXX.
|
| 09/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
A collection account appeared on my credit report. I have never received a bill or a phone call pertaining to this medical bill. I am under both my parents medical insurance XXXX XXXX and XXXX. XXXX is my primary. That insurnace fall under XXXX XXXX and XXXX XXXX fall under my mother XXXX. Both insurances are active. I am requesting that this be removed immediately from credit report and if there is a payment due that they seek payment from the insurance company COMNWLTH FIN Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/2019 Balance Date : XX/XX/2019 Balance Amount : $ XXXX Monthly Payment : High/Limit : {$620.00} Account Status : Collection Past Due Amount : {$0.00} Comments : COLLECTION ACCOUNT ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT
|
| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I had interviewed for a role with an XXXX services firm, who was providing support for a XXXX client. I would have been working on supporting a XXXX environment and related applications. I was subject to several background checks, as well as a credit check. I noted on the authorization for the credit check that I am currently in dispute with my mortgage lender.
I was told to provide a statement explaining my mortgage delinquency, as the company had a policy that any delinquency over {$5000.00} required manual review by one of the financial company executives. Despite having documentation to support my statement, I was verbally told several days later that I was ineligible for the job solely because of the delinquency, and I have not received anything in the way of an adverse action notice.
|
| 02/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Commonwealth Financial Systems removed the 2 accounts that aren't mine from XXXX, KY on my XXXX in the amount of {$1300.00} and {$1300.00}. They state that theses are 2 different accounts in the same exact amount! However they never were removed from my Transunion Report. I also reached out to XXXX XXXX and asked about the 2 accounts. They verified that there was one account not 2 in the same amount. There is one account in the amount of {$1300.00}. So CFSI is basically trying to make me pay them twice for the same bill. If they have proof that I was in XXXX, KY and seen a Doctor and have proof of my signature or me in a video surveillance I will be glad to pay, however it doesn't exist. My Ex wife lived in XXXX and is using my identity. Please remove these accounts immediately! Thank you!
|
| 01/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a letter on XX/XX/XXXX with a bill attached ... I called the company to send me out validation that this my bill sign signature ... well the rep dates was off she said I got this letter sinceXX/XX/XXXXwhich I am uploading a copy then she stated I went to XXXX XXXX hospital this was not the hospital bill it's the dr.bills & I kept asking her to validate it send me sign signature she said when they requested the sign signature this was all they was sent that I didn't sign ANY paper work ... also that violates my hippa rights cause you validating over the telephone never verify any information, then I get a letter with all the procedures, never did i once get a letter letting me know I had the right to dispute this bill I will enclose what they sent me they will not validate this bill
|
| 11/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I sent a letter to COMMON WEALTH FINANCIAL SERVICES in early XX/XX/XXXX requesting validation debt being reported on my XXXX credit report as : COMMON WEALTH FINANCIAL SERVICES. Original Creditor Name : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$2500.00} Amount : {$550.00} Status Date : XX/XX/XXXX Status : UNPAID. Account Number : XXXX. They responded to my letter on XX/XX/XXXX with a letter that clearly violates my rights. COMMON WEALTH FINANCIAL SERVICES Did NOT comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162. COMMON WEALTH FINANCIAL SERVICES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.
|
| 10/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I HAVE CONTACTED YOUR COMPANY ON MORE THAN ONE OCCASION ABOUT THE 8 ACCOUNTS THAT YOU CONTINUE TO HARRASS ME ABOUT. FIRST OFF HOW ARE YOU COLLECTING ON BEHALF OF ANOTHER COLLECTION COMPANY? ISNT THIS AGAINST THE LAW? SECOND I AM IN RECEIPT OF YOUR LETTER DATED XX/XX/2018 FOR ME TO DISPUTE THE VALIDITY OF THESE ACCOUNTS. WELL, THIS IS YOUR 4TH NOTICE AND LAST OR I WILL BE FORCED TO SUE IF YOU RE-INSERT THESE INTO MY CREDIT FILE. THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER DEALT WITH YOU COMMONWEALTH OR THE COMPANY XXXX OR THE OTHER MEDICAL COMPANIES YOU REPRESENT. Furthermore, I HAVE NEVER GIVEN YOU AUTHORIZATION TO REVIEW ANY OF MY MEDICAL HISTORY OR FOR MY MEDICAL HISTORY TO BE GIVEN OUT SO HOW IN THE WORLD COULD YOU VALIDATE ANYTHING ABOUTME? EXACTLY YOU CANT BECAUSE it's NOT MINE!!
|
| 03/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Received my credit report in the mail and noticed a new collections account added from a company I had never heard of called CFSI. I received notice from them regarding a debt 2 months ago. I immediately sent them a dispute and verification letter 3 weeks before the 30 days were up to dispose, asking for any contracts signed, proof of the statue of limitations, and proof that this debt belonged to me. Afterwards, I never received any other correspondence from them to verify this alleged debt. The next notification I received was it appearing on my credit report. I have not received any services from this company. This alleged debt was added without notification to me and no right was given to dispute it. Not only did they not allow me to verify this debt, this debt does not belong to me.
|
| 06/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sent letter by XXXX on XX/XX/2020 and by certified mail on XX/XX/2020 to Commonwealth Financial Systems for two items that appeared on my credit report in XX/XX/2020. I requested verification that the debt was mine in the form of my signature. I received itemized statements for both. The statement for {$1400.00} not only does not contain my signature, it also does not contain my name. The statement for {$290.00} does not contain my signature. My name is typed on it and under it a XXXX XXXX XXXX XXXX policy number that does not belong to me. Since mailing Commonwealth these letters I have begun to receive phone calls from a company called XXXX for the {$1400.00}. So, I am wonder if they " sold '' this since receiving my letter although they are still reporting it the credit bureaus.
|
| 07/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
According to Commonwealth Finance company, I owe {$430.00}, which is completely false. I did my research and based on what information I found out about Commonwealth Finance I am not the only one they have tried to collect a false debt from. I contacted Commonwealth Finance directly and spoke to a representative. I asked them to send me proof of this " debt '' I owe them and was asked to give personal information like my social security number which I found highly suspect. I believe this debt to be completely bogus, and will continue to fight it until resolved. These collection companies are taking advantage of people and ruining their their lives as well as credit scores like Commonwealth Finance is ruining mine. Please do something and have this company pay for their unjust acts.
|
| 03/13/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On the date of XXXX XXXX, 2016 I contacted Commonwealth Financial Services to potentially pay off a debt. After talking with a lady who told me her name was XXXX XXXX we came to an agreement on XXXX seperate debts. I agreed to this only if the " Commonwealth Financial Services '' were to email verification that the amount I was paying off was in writing. She emailed me XXXX verifications. I in return paid {$100.00} to settle a {$150.00} debt, and {$170.00} to settle a {$270.00} debt, afterwards she stated I would recieve a deletion letter. I never recieved that letter and ive called them several times. Everytime i call they tell me that they are still going to send it to me and for me to " just wait 5 min. '' Now when i call them i tell them what my name is and they hang up on me.
|
| 12/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company is reporting a negative debt entry on my credit report. I strongly believe that my credit profile may have been mistaken for someone else 's. I've requested an investigation of this debt or an immediate deletion of the entry if the creditor can not support their claim. I've never done business with a creditor by this name. According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, they are in violation of two different consumer credit rights.
|
| 05/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
COMMONWEALTH FINANCIAL SYSTEMS did not remove inaccurate information from all three major credit bureaus after I demanded them to verify those medical accounts with my signature on it. I'm highly upset they keep stalling the process and also harassing me with bills in the mail after I kindly asked them to remove this inaccurate information. NOW they are sending me letters to trying to offer me a " discounted '' price on these inaccurate accounts i'm getting harassed about.
COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX ( XXXX XXXX XXXX ) Account Number : XXXX XXXX These are the accounts I'm getting harassed about.
|
| 07/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Commonwealth Financial Systems, Inc received a letter called them and set-up payment arrangements starting in XXXX XXXX of {$50.00} a month then in XXXX XXXX I started paying them the {$50.00} from my bank account and {$130.00} from a card. I have agreement with them and Commonwealth is still saying I owe them money and I have the bank drafts and card statements to proof that they was taking the money and they should be paid in full actually they was overpaid according to the agreement we have. This is still on my credit report and I have emailed them the bank drafts and card statements to proof and they still refuse to fix it. The last time I talked to them on the phone a supervisor got nasty with and tried to tell me that I had made my payments when I had sent them the proof.
|
| 11/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
While in the process of trying to get a home, I discovered that my score was lower than it should be, due to two new collections being reported by Commonwealth Financial as of XXXX 2017. I do n't understand why I would have new medical debts, since I am insured, but I am especially confused by how a company that is n't licensed to collect in my state ( Florida ) can be reporting and verifying debts to reputable bureaus. I have had this issue with the same company in the past ; Commonwealth was apparently trying to collect these same accounts from me about a year and a half ago. I was, luckily, able to have the accounts removed from my credit report after disputing them. But it is very stressful to see they can just continue to report new, erroneous debts whenever they 'd like.
|
| 07/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My child was seen at a hospital XXXX XXXX XXXX XXXX in XXXX he was seen numerous times before. My son had insurance XXXX and I have proof that he was insured. The hospital did not bill his insurance even after I called with information when they tried to bill me privately. Instead they sold my information to bill collectors and did not resolve. I have disputed multiple companies that are trying to collect this charge and now I have two companies on my report for the same thing. This should have been dropped from my report. I should have filed a grievance thru my insurance and maybe they would have been forced to bill my sons insurance and therefore I wouldnt be dealing with harassment from XXXX agency XXXX XXXX XXXX. COMMONWEALTH FINANCIAL OPENED TWO COLLECTIONS AGAINST ME.
|
| 10/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
CommonWealth has been reporting false information on my credit reports. XXXX is reporting false inforamtion provided by CommonWealth in regards to a bill they state I owe and has not provided me with any proof that this account belongs to me. reports have different information.
I sent off a letter for verifying a debt to CommonWealth Financial on XX/XX/2018 in regards to alleged debt. The company did not send proof of debt. After letter 2 was sent out XX/XX/2018 requesting proof the creditor has removed the information from XXXX but has not removed the information from XXXX. CommonWealth continues to update debt on XXXX. No proof was provided by creditor. The creditor continuously reports this delinquent account on my XXXX credit report and has not proven it to be valid.
|
| 07/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
After research on Florida Office of Financial Regulations website, it has come to my attention that the collection agency, Commonwealth Financial, is not licensed to collect in the state of Florida ( where I currently reside ). I have attached a screenshot of the information provided on the website where it states the license has been revoked/voided.
Currently there are 2 accounts that are showing on my credit report for all three bureaus for this collection company. Less than a month ago I called the company to clarify this information and a representative assured me that they are allowed to collect in the state of Florida. The address which is found of the website for the Florida Office of Financial Regulations is the same as the one listed on the credit reports.
|
| 04/11/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Commonwealth Financial Systems INC had this account during the statue limitations. Commonwealth financial systems has put different dates on a XXXX credit bureaus when the account was purchase and forged payment on my account to keep the account open. The payment has rise from XXXXto XXXX. Common wealth and XXXX XXXX has put and double jeopardy on the credit trying to collect from the same debt. Commonwealth Financial has given me numerous dates of when they purchase my account and I have the dates infront of me when I call about every letter I have receive for Commonwealth Systems within the 6 years and more about this account .This account is also past the statue of limitations. Commonwealth has been acquiring contacting the credit bureaus using my social security number.
|
| 06/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Common Wealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX This company placed an inquiry on my credit for an account I have never heard of. It is also from 5 years ago. They first stated it came from XXXX XXXX XXXX, then physicians office. No communication or attempt to communicate on the debt was ever made. Just a hard inquire to my credit, tanking it 100 points. When I called to discuss not only are these people very rude but both XXXX & XXXX and super nasty! This company has never once called or reached out to me. XXXX stated they mailed a letter to the address listed on the account from 5 years ago. How do these people just go around messing with someone life with out properly verfiying if that is even there debt. Giving them the chance to pay if in fact it is.
|
| 09/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XXXX XXXX, XXXX my son was seen by a doctor in an emergency room for a XXXX XXXX. Both the doctor and emergency room were in service providers. A company called XXXX XXXX sent us a bill. I called my insurance company to ask if I did still owe money because all of my paperwork indicates, " Patient owes provider {$0.00}. '' I have provided this information to both XXXX XXXX and Commonwealth Financial Systems IncXXXX but the issue still has not been resolved. I have also sent a letter to both from my insurance company that states, " The correct patient liability after our payment would be {$0.00}. '' Again, the paperwork was ignored, and the situation not resolved. Despite this communication and numerous phone calls, Commonwealth continues to report this as an unpaid debt.
|
| 08/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have this company trying to collect a medical debt from me saying the time frame was from 2017 in XXXX. I was still XXXX XXXX military during that time and have never paid out of pocket for anything medical during my active service time. I am now retired but was still XXXX XXXX military during that time. All medical bill go through XXXX for the military so any claim to owe anything would have went through XXXX. I have never got anything from XXXX about a bill in the amount of {$1100.00} owe or not being covered. I believe they must have the wrong person.
They have not provided anything that says a denial from XXXX to pay. They have never sent me anything saying I owed anything. They just showed up on my credit report and show these guys are not the original creditor.
|
| 11/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 I wrote Commonwealth Financial certified mail in which they received on XXXX XXXX and asked that they provide me with debit validation and hippa authorization. This account is false and misleading according to 15 US code 1692e. Commonwealth financial can not produce an original application from me to say that I am liable for this alleged debt, which Im not. According to Rule 15 it has to be the original application and they can not provide these documents. They are also in violation of 15 USC ( 1 ) of the Fdcpa for harming my reputation by putting this false and misleading account on my credit report. I demand this false and misleading account be removed from my credit report immediately since they are violating my consumer rights under title 15 chapter 41.
|
| 04/02/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
FDCPA states that a debt is owed when the consumer validates the debt and the steps of validation can be found in 15 USC 1692g with which Commonwealth Financial has violated making the claims fraudulent. They are also violating 15 USC 1692a which states a debt collector can not invaded a consumer 's privacy and HIPPA law and recent updates to the FCRA also emphasis this privacy notion. I had called the company about this account and I was on hold for over an hour to just have the automation hang up the phone. I, the consumer, demand for the account to be closed and removed from my credit report so it is no longer reporting negatively on my credit report and to receive compensation for the violated rights and the amount for the penalties is explained under 15 USC 1692k.
|
| 11/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth I am wrting regarding a collection you wrongfully placed on my credit report.
I contacted the orignal creditor you reported on my credit report XXXX XXXX XXXX also known as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX.
I have contacted them with every contact according to The state of florida department of corporations " see attached '' They do not know who I am.
They stated due to HIPAA they could not speak to me.
Surely this is a mistake.
Can you please remove off of my credit report. attached you will see the owners of this company.
Its actually not a hospital its a collection agency. I think they may have sold you my dads information. we had the same last name ... .and he died around this time.
Its difficult for me to keep reliving this.
|
| 10/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I pulled my credit report In XXXX 2015, and it showed a collection agency " Common wealth financial system/ NE Credit collection '' reported to XXXX and XXXX an account in the amount of {$750.00}. I disputed this account with XXXX on XXXX XXXX, 2015 advising the account was not mine and on XXXX XXXX, 2015 the investigation was completed, advising proof of the debt was provided. I mailed a dispute directly to the entity on XXXX XXXX, 2015, advising the derogatory report be removed, and to provide validity of the debt/ account if the derogatory reporting is not removed. This dispute was received by the entity on XXXX XXXX, 2015 and as of today XXXX XXXX, 2015 the derogatory report is still on my credit and I am yet to receive a response from them validating the account.
|
| 08/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed this account several times with all 3 CRA 's I then received paperwork from the facility showing the debt clearly in someone elses name billed to me. I spoke to the bureaus individually, spoke of the proof and they still insist the debt was validated.????? Validated with the proof of another name, and I'm clearing stating it is not mine, your breaking laws on all levels. Hippa VIOLATION 15usc1681a ( i ) ( XXXX ) should only be discussed by consumer and facility. XXXX according to 15usc1681b no permissible purpose to place on a consumer report XXXX PRIVACY law broken. After pointing this out they still will not remove it. It is in XXXX XXXX XXXX name. IS THAT ME?????? I want my money of {$1000.00} each for each violation. Damaging my report. Disputed XXXX
|
| 03/09/2021 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me.
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
|
| 09/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
JUNK DEBT BUYER - IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS Commonwealth Financial Systems, Inc at XXXX XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$90.00} the collection has been reported as a positive balance and a collection account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. This debt collector is violating a number of my federally protect consumer rights according to the FDCPA. I have included several violations that you, Commonwealth Financial Systems , Inc, owe me in my Bill of Particulars.
|
| 03/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2018 a derogatory mark was added on my credit report per XXXX XXXX from XXXX XXXX XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
|
| 04/18/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I have received 3 different medical debts or XXXX debts that I have no knowledge of. These debts are from time and areas I can prove I was not in at the time of debt. I lived in XXXX Texas in XXXX, XXXX Oklahoma XXXX & XXXX, and XXXX XXXX Louisiana in XXXX till now. These are fraudulent debts in my name and I can most certainly prove in court of law my whereabouts and can you encourage the owner of these debts to allow me to prove these facts. Every debt I have knowledge of I have either paid or worked out in settlements and if I had knowledge of these I would do the same. These are not my debts, these are fraudulent debts in my name and if not removed I want to go to court as soon as possible which is the only fair option. Let me prove this is not me nor my debts.
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| 08/11/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
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| 07/10/2020 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Repeated calls from this number and they ask for XXXX XXXX once I acknowledge who I am they wanted to talk about the debt with out reading the XXXX XXXX. They then hung on me when I asked to speak to a supervisor and I when called the number back and they would give me the fax number to have my bankruptcy attorney call them to place a cease desist to stop the calls.
They need to send this is true debt I need validation from the original creditor. The debt collector need to contact the original creditor and send documentation of the debt. And no more calls to my number. They also need to read the XXXX XXXX before they start to try speak about case specific that a debt has been placed in their office.
This is the 2nd time I have to file a complaint this company.
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| 03/15/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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XX/XX/XXXXActually I'm just trying to contact a debt collection agency via email. Commonwealth Financial sent me a link to get on their site to make a payment. However, the password they said I had to use was a 5 digit zip code. I entered the zip code several times and was told it was incorrect.
I called the XXXX XXXX XXXX per the instructions on the email. The representative who answered said she didn't know anything about a link. I kept explaining to her the email that was sent to me. I don't handle payments over the phone, especially with representatives who are not educated to what their company does for the consumers who are trying to pay a debt. It takes them forever to get back to my inquiries submitted online, in essence, they don't work with you at all.
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| 06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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N accordance with the fair credit act XXXX account # XXXX, and XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not without instrcutions 15 U.S.C 1681C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
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| 07/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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In response to closed complaint number XXXX - the name of the debt collector was incorrect in my complaint, not sure how that happened. Again, this {$75.00} is not even the issue, I can pay it just to rid myself of this paid debt, but now it 's gotten personal. I paid this in 2012, we proved it back then, and it reappears every other year, then goes away, but this time it 's not. The name of the debt collector this year is COMMONWEALTH FINANCIAL SYSTEMS, it changes frequently. Like I said, I can pay this easily, but now after wasting so many hours trying to get rid of these pennies, I feel they owe me XXXX dollars or more for my time. I would like to reopen the above case number and file the complaint on the correct debt collection company.
Thank You, XXXX XXXX
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| 09/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Let 's start with this they were disputed last year and taken off to reappear this s year saying it's new debt for hosptil bills except I've had insurance for 5 years now so a there older then 5 years not new debt but again I disputed last year and won they were dropped now there back again and to top it off the same debt is repeated a few times over the law states 7 years but now since there back their stuck there 7 more years that's not cool the date are in attached. I have also read a lot of reviews on the company and they do this to so many people and the people just bend over and accept it well I will not accept these debts and if they keep showing I'll spend the XXXX XXXX they say I own and sue and go to press just saying.
Common wealth ... .... My A
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| 02/05/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Commonwealth Financial Services contacted me by phone telling me I had by end of day the next day to pay a debt of {$2000.00} or they would be sending me a summons for criminal charges. They tole me the additional fees could be upwards of {$8000.00} if we ended up in court. I told them to send me something in writing. I received a letter from XXXX XXXX ( XXXX XXXX? Email address was XXXXXXXXXXXX ). The letter stated that I had to settle the debt by XXXX/XXXX/XXXX to avoid any further collection proceedings. I received several harassing emails after our initial contact. I looked in my records and saw that this account had been satisfied in full with XXXX XXXX XXXX back on XXXX/XXXX/XXXX. I feel that this was a complete fraud tactic to scam me out of {$2000.00}.
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| 03/17/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The credit collection agency is stating this debt occured when I was not a resident of the state, nor had I been medically treated in that state at the time of the bill. It is apparently an emergency room bill for my daughter that should have been billed to insurance via the hospital. The hospital stated several times they resubmitted the bill for insurance. IF this bill occured while I was residing in the state, it would have been during XXXX which is outside the statute of limitations for Pennsylvania medical debt.
The credit agency purchased the debt though XXXX XXXX XXXX. The collection agency is violating HIPAA regulations and privacy protections by having additional medical information and detailed documentation that they are not authorized to obtain.
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| 06/16/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I am filing this complaint in regards to an account that is being reported on my credit report by this collection agency. They brought this alleged debt from a different collection agency that in terms had no right to collect so they withdrew from collecting and now this collection agency is reporting on my credit report in violation. They did not send me any notification or any chance to even dispute this account that they are reporting under my social security number. if they claim to have send me something I would like to know what the tracking number is so that I can track where this was send because this is a clear violation of my rights and I demand that this account is removed immediately and not continued to be sold that this stops here and right now!
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| 06/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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An account that was previously removed from my credit reports after an investigation was opened and completed, was reinserted back on my credit report and also re-aged. The Credit Bureau agency did not notify me in writing within 5 business days. I was not notified at all that this account would be reinserted. The account was removed due to inaccurate information and they did not validate the debt. Also the statute of limitation has passed on it from the original creditor. ( 2012 ) I also notice that the collection agency " re-aged '' the account by updating the date of last activity my credit report to keep the negative information on my report longer Account - Commonwealth Financial {$490.00} I am in the process of buying a home and this is interfering.
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| 06/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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There are two identical negative marks on my credit report from Commonwealth Finance for {$1700.00}. The two of these combined is having a {$3500.00} negative report on my credit. Theyre duplicates and one needs to be removed.
Also, if you investigate further according to XXXX statues of limitations this XXXX XXXX was reported after XXXX XXXX. XXXX XXXX of XXXX is when I incurred this debt. The debt collection was opened passed the XXXX XXXX mark according to the credit report in which it should be null and voided.
It is illegally trying to be collected as well as having duplicate accounts on my credit just to make my credit report worse.
They both need to be removed as it is unlawfully trying to be obtained. Ive disputed this numerous times now.
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| 02/04/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have several open debt collections from Commonwealth finance, the most expensive being {$1500.00} and open date is XX/XX/XXXX.. I'm not aware of who this debt collector is.. they haven't reached out and contacted me yet first and to top it off I was XXXX XX/XX/XXXX so doesn't make sense how they can bill me when I was in XXXX from XX/XX/XXXX to XX/XX/XXXX.. I was informed that what they did by reporting it to the credit bureau before informing me is illegal and I was informed I can take law action suit against them especially if I can prove I was in XXXX which is easily accessible on the computer from XXXX county Florida.. I would like all debt by this collector eliminated as soon as possible so I can move on with improving and fixing my credit..
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| 10/30/2018 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Commonwealth Finance is a scam. I have been fixing my credit for a year now. I got a XXXX XXXX card and just recently this year this random company hit my credit for an old medical bill from back in 2014. Nothing has ever been reported and I have never been notified of this debt. I was never notified that I had a debt. In fact the one time I went there I got my medical bills covered by a grant and by XXXX XXXX for using me to test trial a new medical gauze. Until now I had never heard of this debt. I disputed it and XXXX XXXX took it off. Then suddenly I get 2 accounts from the same company " Commonwealth Finance '' 3 times the original amount. I have read about this company and everyone is having similar issues. This company does fraudulent business.
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| 04/11/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I received a letter from Commonwealth Financial Systems Inc. Dated XXXX/XXXX/XXXX attempting to collect on a debt. XXXX # XXXX and XXXX. Original Account # XXXX XXXX, XXXX XXXX. *Attached I did not recognize the debt and requested validation via letter Dated XXXX/XXXX/XXXX VIA USPS Certified Mail : XXXX return receipt requested. *Attached.
The validation request return receipt was returned. *Attached I received a letter from Commonwealth Financial Systems Inc . Dated XXXX/XXXX/XXXX attempting to collect the same debt.They changed their account numbers to XXXX # XXXX and XXXX. However, it is for the same OriginalAccount # XXXX XXXX, XXXX XXXX. *Attached They keep trying to collect this debt ( for only XXXX knows what ) and will not validate the debt.
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| 06/30/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
|
Commonwealth Financial Systems have reported 3 seperate accounts on my credit report for {$910.00} each. This debt was with a previous debt collector who couldnt provide me verification, so it was removed from my credit report. Commonwealth Financial Services have fraudulently opened 3 seperate accounts for 1 alleged debt. A debt thats already been removed previously for inaccuracies. Not only that, when I asked for verification via written letter, all I received back was a paper from a medical DR. Not only is this frustrating, it concerns me that theyd be willing to send copies of medical discharge papers to just anyone via written mail. All 3 of these accounts should be removed from my credit report immediately.
These are all opened within 2023.
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| 02/12/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX I received a updated credit report in which this company was listed as a new collections account on my credit file for XXXX the company has not tried to contact me at all. I even tried to call and see where this alleged debt came from. They could not even locate me in there system! This debt is causing me not to get financing for a home I have work really hard to get! I have not been contacted and was not notified that this account was going on my credit file. I want this account removed until it is verified and Validated by me according under FCRA.Under Fair debt collection practice act I have the right to have accurate and correct information reported on my file! I also have the right to be notified upon placing a account on my file!
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| 02/11/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX phone number XXXX Is asking for XXXX $ But they are paid in Full.. But it still on my credit report. Also Common Wealth Financial systems XXXX they are asking for XXXX Dollars. From a Hospital Emergency Problem I had with either XXXX and or XXXX. the hospital knew that I had XXXX through the VA hospital so their dept. is paid. But the doctor is asking for his money. I called the hospital they Have no idea who the doctor was. So at this point I do n't know how to talk to the doctor to explain that he can go through the VA hospital to get his money back. XXXX XXXX Hospital billing does n't even have this in their records. I do n't know what to do. I have insurance and the Govt. should have paid for this. I am frustrated Please Help
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| 06/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I contacted XXXX about 2 accounts that were not mine on XX/XX/XXXX, XXXX one for {$1400.00}, one for {$520.00}. I disputed these accounts and also contacted the company which is Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX to find out why this was place in my credit report. The name was not mine, I never used an emergency Physician in my lifetime as I have had the same Doctor for 20 years. They asked me my birthdate and they said it was not correct. I spoke to a girl named XXXX with Commomwealth. She said she would have them take it off, which XXXX did take it off. Then today XX/XX/2020, I get an email from XXXX telling me that they reversed it. This is NOT me and I need help to get this resolved. Can you please help me?
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| 03/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I have contacted this collection agency after learning about a collection amount on my credit report in XX/XX/XXXX. I spoke to an agent at was told this collection was due to services rendered on XX/XX/XXXX. Upon learning this I immediately contacted my insurance company and they provided me with an explanation of services paid to the provider that clearly states all was paid in FULL. with the exception of my co pay of {$70.00} to which was paid and the original prover confirms this.. I forwarded that proof to the collection agency and they refuse to remove from my credit and also to submit a satisfaction letter to show their error. I believe this is a scam from someone who got our information and they refuse to provide me with proof of said debt.
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| 05/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Several times I have reached out to Commonwealth Finance regarding this issue. During the time of this service, I was incarcerated and the XXXX XXXX of XXXX Ohio covered all medical expenses. This debt was sold to Commonwealth Finance who reported this account on my credit report as being in collections. I do not owe any balance and would like to stop being harassed by this company. This company has sent me numerous amount of letters and I have asked that they work with the medical facility to bill the XXXX XXXX XXXX XXXX. As a prisoner, I do not pay for any XXXX XXXX and after i was released from the XXXX XXXX I became insured by XXXX. This company has ruined my credit with its false reporting and has not attempted to resolve this issue at all.
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| 03/30/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from COMMONWEALTH FINANCIAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against COMMONWEALTH FINANCIAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
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| 09/17/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
|
Commonwealth financial systems put on my credit report XX/XX/XXXXXXXX my account was delinquent for payment in the amount of {$3000.00} and it was sent to collections in XX/XX/XXXXXXXX from XXXX XXXX XXXX who is original debt collector. XXXX has been coming for me since XXXX on these same medical claims that were supposed to be paid by the veterans affairs I have called the veterans affairs several times thinking the issue was through only for it to continue popping up on credit report. It is frustrating because they are supposed to file claims within three month window to receive payment they continue to go after me illegally sending threatening notices in past years about the collection when they are supposed to go through veterans affair.
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| 03/28/2022 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Commonwealth Financial out of XXXX, PA. Reported on my credit a new account as of XX/XX/XXXX. They would not give me a date of first deliquent stating they received the file in XXXX. I have tried to talk to them about it since they call up to 3 times a day but they would not send me any information on when the debt first occurred. The debt is a medical debt that was paid back in XXXX. A remainder remained on the account but when I moved the debt transferred to a collection agency because they were unable to contact me and from there I have no clue what happened. But given that the statue of limitation in Texas is 4 years and in Tennessee is 6 years the debt is well past those limitations. This debt needs to be deleted ( not settled or closed ).
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| 02/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I submitted a certified letter to COMMONWEALTH the collection agency, in fact I used cfpb.gov ( Debt collector response sample letter template ) and within this letter I asked them to contact the Credit Bureaus ( If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. ) Well my letter is dated XX/XX/XXXX I am sure of it because the certified receipt is dated XX/XX/XXXX. This was a month ago. This was for the Unverified/Validated information concerning the medical debt for XXXX.
CommonWealth reported to XXXX a 'New collection ' letter on XX/XX/XXXX, another letter I received from XXXX on XX/XX/XXXX letting me know changes on my credit file has taken place from this ( misinformation account XXXX ).
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| 12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Common Wealth is reporting an erroneous debt on my credit file that is not mine. First of all I did not receive any letters, calls or notices about this debt. When I pulled my credit I noticed this collection and called to see what the debt was for. The address they had on file is not mine and has never been mine. The date of birth also was not mine. I tried to call the hospital listed on this collection and that hospital doesn't even exist anymore and hasn't for a few years, this hospital was located somewhere I've never even been. They have violated my 30 day right to dispute on top of applying a collection to my credit THAT IS NOT MINE. I need proof that this is my debt, including a signature, if not I need this removed from my credit file.
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| 12/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Today, XX/XX/2018, I received a notice from XXXX about a new collections account being posted.
There were two collections accounts posted on XX/XX/2018. I have received no written or phone notifications from the debt collector that they held the debt, nor have I received any information regarding my rights to verify the debt.
I have the actual debt from the creditor in my hand and it is a different amount than posted, also the dates do not match with the original, itemized bill.
I HAVE been receiving calls from unknown numbers who either hang up or say nothing, I'm concerned this may be a scam or this company is intending to commit fraud against me.
I have not taken any actions yet out of fear of retaliation from the debt collector.
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| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
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| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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on my credit report under all 3 credit bureaus, its shows multiple entries for the same debt ...
this debt is not even mine.
called the collections companies and they state they show nothing for me but yet leaves it up to me to clear out of my credit reports.
CommonWealth Finance Collections XXXX called XXXX @ XXXX ** they have the following debt listed 2 times on my credit report- XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX called XXXX @ approx XXXX ** they have debt listed 1 time- XXXX XXXX XXXX XXXX {$2200.00} I also called this " XXXX XXXX XXXX XXXX '' @ XXXX on XXXX @ XXXX and after review they DO NOT have anything listed for me as a debt, not sure why 3 entries to 2 different credit agencies would have this information.
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| 05/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Prior to XX/XX/XXXX, I set up a deal with Commonwealth financial to pay a total of XXXX dollars to have the item considered paid in full. I have talked to many representatives with this company and this is what I was told, unless I was advised unser false pretenses.
On XX/XX/XXXX, I paid the first payment of XXXX ( half ). I even have a receipt as proof of this payment.
The amount owed is incorrect on my credit report. Commonwealth took out the amount paid from the total, but did not adjust the total to XXXX ( XXXX owed ). I feel this was not handled efficiently or accordingly. On XX/XX/XXXX, I am due for another payment, but am unable to do so until this issue is corrected on my credit report.
I look forward to hearing from you soon.
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| 05/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
Older American |
|
Commonwealth Financial Systems is stating that these accounts opened XX/XX/XXXX on my credit report. And that I owe money to XXXX XXXX XXXX. There is no way I can contact the hospital because they are no longer in business. XXXX XXXX bill that was supposed to be written off due to low income. I sent verification of my income and was told they would take care of balance.
Original dates were not on my credit report, Collection agency is showing dates XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX {$1200.00} Acct # XXXX XX/XX/XXXX {$990.00} Acct # XXXX XX/XX/XXXX Credit report date XX/XX/XXXX amt- {$63.00} Acct # XXXX XX/XX/XXXX Credit report date XX/XX/XXXX {$1100.00} Acct # XXXX XX/XX/XXXX ***Credit report date XX/XX/XXXX Amount {$63.00} Acct # XXXX
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| 05/04/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have just received updated copies of my credit reports from all XXXX credit bureaus and discovered that there was a account and company listed on my credit report that I have never been notified about in regards to a debt which is violation of FDCPA 15 USC 1692. This company is also in violation o of HIPPA Privacy rule and Breach of Confidentially. This company has reported unverified false information and has stolen my identity to gain profit. I never contracted with this Company Commonwealth Finance nor did I give consent to use or have my personal information. Further more, this company did not provide me a HIPPA release that I gave consent to have my personal information or any information in regards to the account listed.
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| 11/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
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Web |
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The account in question was previously removed from my credit reports due to XXXX XXXX not following the proper protocol for attempting to collect a debt, the former collection agency was XXXX XXXX XXXX. This debt was removed then sold to another company unbeknownst to me. I was made aware of the selling of the account once it reappeared on my credit report. The new company is showing as Commonwealth Financial Systems and I received no communication in any form from this company. From what I understand I should have been notified no later than 5 days before this attempt to collect was placed back on my credit reports. I would like your assistance in having this debt permanently removed from my reports.
Thank You for any future assistance
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| 10/15/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
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i recieved a phone from miss XXXX XXXX verifying me by my last 4 social the i asked her what this was concerning she said a student loan debt from XXXX She then proceeded to tell me that student loan debt is never over and they would have me served a summons if i did'nt comply.. i asked about the statue of limitations on private student loans and she got very angry and said she just have me served a summons and hung up on me.. Of course i became afraid she also called my job and they called me ... i was told by miss XXXX they could garnish my wages and take my taxes.. i was called from these numbers XXXX and XXXX i just want to know if this is legit and if there is a statue of limitations on private school loan from 20 years ago thanks..
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| 01/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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Balance owed {$1200.00} There has been no response to many of my letters to XXXX, XXXX or XXXX about this account. Letter was sent XX/XX/20, and follow ups on XX/XX/20 & XX/XX/20. This is unacceptable and I feel my rights have been violated. Comment notes show it was disputed but no information has been provided to me and still has inconsistencies.
Also sent letters to Commonwealth directly on XX/XX/20 and a follow up on XX/XX/20 and they have also not responded.
Date opened on XXXX show XX/XX/20 but XXXX and XXXX show XX/XX/20. ( this was also changed from the first report on XX/XX/20 ) The last active shows from my original report on XX/XX/20 when I started this dispute showed XX/XX/20 on XXXX & XXXX but XXXX showed XX/XX/20.
|
| 08/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 07/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX , to XXXX this company place a debt on my credit report which after disputing it with the credit bureau , it was deleted off my report in XX/XX/XXXX ... then as of XX/XX/2018 after checking my report, they sold the debt without accurate information to a company called Commonwealth Financials, using a different acct # XXXX, with an incorrect open date of XX/XX/2018 and they reported it on XX/XX/2018. Commonwealth Financial address is XXXX XXXX XXXX, XXXX city, pa XXXX ... I think it not fair the way debt collectors be buying debt from other companies without even verifying if the information is valid. I am asking you to stop these companies from falsely adding debt to consumers credit report.
|
| 04/21/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$1.00}, XXXX past due as of XXXX XXXX.
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1800.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX XXXX XXXX That is the name of the company I supposedly had services from that I allegedly originally owed. I looked them up and could only find any information on them about having an XXXX rating with the XXXX XXXX XXXX multiple people have had the same situation where they have not been to any of their physical locations and they have been charged similar amounts of money.
|
| 11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
COMMONWEALTH FINANCIAL XXXX Balance {$1200.00} ; COMMONWEATH FINANCIAL XXXX Balance {$2200.00} ; COMNWLTH FIN XXXX Balance {$150.00}
|
| 11/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Commonwealth Financial Systems FAILED to respond to my request for VALIDATION of an alleged debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Commonwealth Financial Systems received my VALIDATION request 31 days ago on XX/XX/2018. I have not received the documentation that I requested. By law since this alleged debt has not been properly VALIDATED it must be DELETED IMMEDIATELY. On XX/XX/2018 Commonwealth Financial Systems stated that their tradeline and alleged debt in the amount of {$160.00} would be DELETED with XXXX, XXXX, and XXXX in response to a complaint with the XXXX. As of today XX/XX/2018 Commonwealth Financial Systems is still showing up with the credit reporting agencies XXXX, XXXX, and XXXX against my SSN.
|
| 06/14/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Early XXXX, California, XXXX debt for {$1800.00}. Was not paid. Unemployed. Unable to pay debt. Debt was discharged by XXXX
In XXXX, XXXX - XXXX years after discharge of debt, and well past the XXXX years statute of limitations in California, Commonwealth Financial Systems ( a junk debt buyer ) collection agency, placed a record on my credit reports ( all XXXX ) stating that as of XXXX XXXX, I owed them {$1800.00} for an XXXX debt. Well this debt was discharged in XXXX.
Why the XXXX am I being hounded by this scam junk debt buyer firm. My credit score has dropped XXXX points because of these XXXX. And, the debt was discharged in XXXX. Why am I being hounded by scammers in XXXX.
CFPB - these junk debt buyers should be banned.
|
| 03/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
COMMONWEALTH Financial for {$65.00}. The collected the debt in XXXX of 2017. While checking my credit I noticed a collection agency reported me to the credit agency for having a debt. At no time did they call me or write me to inform me about this debt. The only reason why I knew about this is because I checked my credit score. I have paid off the debt immediately however this is poor practice and is hurting my score. Luckily I was trying to buy a home and find out about this down the road since they weren't making an effort to collect but just report. Once I called I was not offered any chance to dispute. Once I paid, I was notified it could take up to 45 days for it to be cleared from my credit report. I find this unacceptable.
|
| 06/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The original creditor of this fraudulent account sent me a letter stating that they have removed the account from the credit reporting agencies and that it is no longer being pursued. Well it was removed within the last 30 days under the XXXX XXXX XXXX but now there is a totally new account that has shown back up for a {$1000.00}, which is way higher than the {$100.00}, & {$250.00} that it was previously listed.
I'm not sure what is going on with this creditor. But this is causing me to not get approved for a house I'm trying to get pre-approved for.
This is not fair to constantly having to dispute back and forth when they have already received all the proof of fraud, which is why they deleted the previous 2 disputed accounts.
|
| 04/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I wrote to Commonwealth Finance regarding an unknown account they are reporting on my credit under account number XXXX for a sum of {$1600.00} and mailed it by certified delivery via USPS. Please see the attached letter descibing my situation and requesting validity of the account as I am experiencing issue with my personal identity and need to confirm the correct owner of this account. I have not to date received any response to my certified mail and have not witness the account deletion from my credit files.
Furthermore, please see the attached documents stating that I had effective medical insurance from XXXX to present and I want this derogatively reporting account removed from my ( 3 ) credit bureau files.
|
| 09/18/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I wrote COMMON WEALTH financial to inquire about the medical debt back in XX/XX/2022. They have not responded to my request for them to validate and confirm this debt with me. I did not receive a notice prior to them reporting this on my credit report with XXXX, XXXX or XXXX. I do not consent to sharing any debt I may owe to report in any credit bureau. It is a violation of my HIPPA privacy rights and needs to be deleted. This medical debt is still reporting on all 3 credit bureas. It is inaccurate and is in violation of FDCPA. I asked them to delete it and they have not. So I need the XXXX to make sure Common Wealth follow the proper guidelines and laws when reporting medical debts. I request that this is deleted immediately.
|
| 02/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
On XX/XX/XXXX I took a payday loan for {$200.00} from the XXXX located at XXXX, XXXX, TX XXXX. Im a single mother and I could not pay back the loan. On XX/XX/XXXX I received a phone call from XXXX, who identify himself as the criminal investigator for financial Fraud from Commonwealth financial Systems. I was told that if I dont pay I was going to be prosecuted for Fraud against XXXX, and that " failure to comply '' will result in them showing up at my placed of employment. i got really scared and I set up month ; y payments of {$110.00}. I have made 3 payments but i canoot pay anymore. They call me several times a day, leave threatening voice mails. I have never been in jail and I am scared for me and my babies. Please help me
|
| 07/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received zero communication nor notice from this Commonwealth Financial regarding any outstanding debt or collection amount. I tried to call the number listed for the collector as soon as I saw the mark come up on my credit report on XX/XX/30. I was completely blind sided as I was never told or informed of any amount being owed to Commonwealth Financial or XXXX XXXX. After I saw the derogatory remark on my credit report as it is the only reference to this debt and option to contact the agency to inquire about the debt I was completely unaware of. When I called XXXX multiple times, it would play an automation after one ring and state " nobody is available to take your call at this time '' then immediately disconnects/hang up.
|
| 02/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This debt appeared on my credit report prior to having received any information about the debt at all. It was reported days prior to receiving notification. No information was received from who they claim the current creditor is nor from who the original creditor they claim is. I disputed the debt and requested validation and it reappeared on my credit reports within 2 days without receiving any verification or validation from anyone that the debt is valid. The dispute results gave no information as to what was updated after the dispute. It only said account updated, and the information was exactly the same as it was prior to disputing. I have absolutely no idea what this debt is, why they claim I owe it, what it was for, etc.
|
| 10/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Over the last 14 months I have asked for Validation of a medical bill Just to be told it meets FCRA.
I have tried to show that the accounts are dulicated by two Collection company 's. If the Reporting agencies remove one Collection it will sale the account to the next Collection company and at other times both Collectors will report the same account with different Reporting Agencies at the same time.
I need these accounts removed or properly validated and only one company to report it and not duplicate it.
CommonWealth financial Systems XXXX Reporting Agency. {$880.00} Dulicated.
XXXX XXXX XXXX. XXXX XXXX XXXX. For {$880.00}.
Creditor is XXXX XXXX in all wrong reports.
Thank you in advance for your help.
Very thankful.
|
| 02/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Common Wealth Financial Services is reporting to XXXX, XXXX XXXX XXXX that I owe a " Medical Debt '' to them for {$1300.00}. I have not signed any contracts with Common Wealth Financial Services. Nevertheless, Common Wealth Financial Services should not be in receipt of my medical information. This is a violation of my XXXX & subtitle D of the XXXX, SEC. XXXX. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX.
|
| 01/26/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I went to the ER in 2010 at Florida Hospital in XXXX Florida. I provided them with my medicaid card ( XXXX coverage ) and also my XXXX XXXX XXXX card. Hospital billed XXXX but failed to bill medicaid for the remainder ( as per the XXXX implemented by medicaid. ) Hospital sold account to a Debt Collection company. I called them and sent them documentation from XXXX and Medicaid showing I was covered and should have never been billed, as well as letting them know that per medicaid they would pay the bill -however they are not allowed to pay a third party. They became rude and refused to submit the bill back to the hospital for it to be paid by medicaid. They continue to state this is debt I owe them and I dont. Please help.
|
| 07/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was made aware of a medical debt in XX/XX/XXXX on my credit report via XXXX. Commonwealth Financial Systems is attempting to pursue a medical debt from the year XXXX. Currently in the State I reside the statute of limitations to collect a medical debt is 4 years. being that date provided by Commonwealth as the date of service is XXXX they have exceeded the ability to collect. I have not ever received a bill or communications from this company or a bill for the monies owed initially. It states the status was " updated '' XX/XX/XXXX. I placed a dispute via XXXX. It came back as a " verified debt ''. They are displaying a medical debt on my credit report in XXXX from XXXX which is well past the 4 year mark of collections.
|
| 01/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Looking at my credit report on XXXX XXXX XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One account was for {$200.00} and one for {$170.00} which is listed on my credit report as account XXXX. I sent a letter to the agency today on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and XXXX ( Health Insurance Portability and Accountability Act of XXXX ).
|
| 06/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was never made aware of this debt by the company Commonwealth financial systems incorporated. I was only made aware after they a ppeared on my credit report for a debt that is no longer owed. I contacted my workers comp attorney about this as this bill had been paid by the insurance company for my former employer. I have called and spoke to multiple people with the company. As I write this now I am on the line for a supervisor after speaking to a XXXX XXXX and have spoke to XXXX XXXX . I have given them all the documentation to have this closed and the debt discharged. My attorney has sent the documentation to them several times as well. If this is not cleared up I will be seeking legal action against them.
|
| 01/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX, I was notified that a new account had been opened in my name. I immediately disputed the item with XXXX. On XX/XX/XXXX, the investigation was complete. According to XXXX, the item was accurate and updated. On XX/XX/XXXX, I contacted the creditor. The rep 's name is XXXX XXXX. According to XXXX XXXX, the account could not be verified by the account number reported on my credit report. He tried to verify the account using my name but was not successful. Mr. XXXX did ask for my social security number. I did not provide that information over the phone. I requested a second investigation on XX/XX/XXXX, with XXXX. As of XX/XX/XXXX, XXXX is documenting this item as accurate and it remains on my credit report.
|
| 01/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, after pulling my credit report, I realize some accounts on my credit report that did not belong to me, right after, I started to search on the web about how to remove inaccurate information on my report. About two months went by and I started the journal of disputing, so, to be exact, on XX/XX/XXXX I submitted my first dispute to the credit Bureaus, very few items were remove, on XX/XX/XXXX, I sent my second dispute, some more items were removed. Unfortunately, about a week and so, I received a collection letter from COMMONWEALTH FINANCIAL SYSTEM trying to collect on an alleged debt with XXXX XXXX XXXX XXXX, I do not have any idea where this debt is coming from. This alleged debt does not belong to me.
|
| 07/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
When looking over my credit report, I found an account showing as reported by Commonwealth Financial Systems. It concerns a medical bill for {$1600.00} and shows as reported to my credit around XX/XX/2018. As I should have no outstanding medical debts I am fully insured I reached out to Commonwealth and informed them this was in error and asked for rectification and deletion of the account. I have yet to receive any response from Commonwealth and the account remains on my credit. I have not seen a bill or received any other justification for the debt, nor why my insurance would not have covered it, or if they were even properly billed. My disputes through the bureaus have resulted in no changes or responses, either.
|
| 01/25/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Today on XX/XX/XXXX I called the Credit Agency Commonwealth Finance because last night I seen on my credit report it said I owed XXXX XXXX money for XXXX. When I called the representative said he did not have the number to the company that is trying to collect this money and was rude. There are a lot of XXXX XXXX in XXXX VA. He told me the charge was from XXXX but on my report it looks like I was seen XX/XX/XXXX. Ive never received a bill from this company and never had time to even pay on it if I owed. There are no bills that have been sent to me for this amount from that company. I should have the right to know what I owe and a right to know from who. I disputed this claim and in XXXX day it came back the same.
|
| 06/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX They call 3 to 4 times a day, they do not leave a message, they call from various numbers, all Mississippi area codes, yet they are in an overseas call center. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX at all times of the day. The one time I did speak to them in XX/XX/2018, they refused to say who they were until I told them my name. I told them I did not have a job at the time and I could not pay and then a " manager '' came on the phone and just kept asking me for a payment plan and a credit card number. I told them at that time to stop calling me. They refuse to stop calling me.
|
| 06/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
onXX/XX/XXXX2017 Sent a letter to CommonWealth Financial Systems inc. ( letter attached ) requesting back up on the debt they are reporting on my credit report. They replied back ( letter attached ) that I needed to call w/social security # 4 digits/date of birth etc ... so they can properly identify me. I find this a bit disturbing that they clearly have this information since they are able to report on my credit - I will NOT call their office to verify my information. In my letter I also stated do not try to collect this debt which I do not know what it is for until they provide back if you notice at the end of the letter from the it states this is an attempt to collect a debt and used for this purpose.
|
| 06/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I tried disputing this debt numerous times, because I do n't have a contract with them and they are continuing to come back verified and then I went on the Florida Office of Financial Regulations website and saw that this collections agency 's license has been Expired since XX/XX/2000 and they are continuing to report this debt that has been on my reports for over 3 years now. I am not even sure is mine, I know I do n't have a contract with them, and I want it taken off my credit reports. They are not licensed to collect in the State of Florida with Expired license but they are blocking my credit rating and it is very hard getting a house with collections on your reports ... Thank you for your help and your time
|
| 06/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I went to the emergency room as a private pay, non insured individual. on XX/XX/XXXX. The hospital and all associated services/personnel billed as such. All of a sudden in XX/XX/XXXX, amount of XXXX a derogatory collection shows up on my credit reports with NO PREVIOUS BILLING AT ALL. I do not know what the charge is for or how much it was to begin with. I contacted commonwealth finance systems and ask that they remove it from the credit bureaus as we work thru this and they ignored me and put me on a continual call roll .... my phone rings 20 times a day. Each time a different person calling from common wealth, instead of the XXXX individual I was told had my file, all correspondence was sent to : XXXX XXXX
|
| 12/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Commonwealth Financial Debt Collection, reported the same account to XXXX Credit Reporting Agency, then sold this account, in the amount of {$1300.00}, to another debt collection company, XXXX XXXX XXXX for {$1300.00} on or about the periods of, XXXX - XX/XX/2018. See uploaded documents.
Both companies are reporting information from same the original creditor.
Upon, notifying XXXX of the same account is being reported twice by two different collection agencies, XXXX refused to investigate and remove the Commonwealth Financial Debt Collection entry for {$1300.00}, which was recently sold to XXXX XXXX XXXX.
XXXX needs to remove the Commonwealth Finacial reporting, it is suspected to be out of business.
|
| 09/19/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I have credit monitoring and the Credit Bureau 's notified me of a new account on my report. When I went to verify what it was it is showing a new collection. I am not aware of this and when I review the details it stated a date from XXXX. I have no information about this. No one has contacted me either by phone or mail. This acct was placed on my credit report without proper verification and no communication. I called the Collection agency myself and advised why would you place something on my credit report without contacting me and giving me the opportunity to investigate properly or if this was even mine, they had no answer. This is very disturbing. Your assistance with this issue is greatly appreciated.
|
| 05/26/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
NE Credit Collection is reporting to XXXX a collection in amount of {$640.00} for XXXX XXXX XXXX XXXX which I can not validate and they will not validate. The " open date '' is XX/XX/XXXX and this is impossible because I have lived in XXXX since XX/XX/XXXX and prior to that XXXX for 2 years. After research this is for XXXX XXXX XXXX phone ( XXXX XXXX XXXX in XXXX. This is an illegal practice of this collection company and the initial medical creditor since they are reporting inaccurate dates. I have not lived in XXXX since XX/XX/XXXX. This should be immediately deleted. I have never received a 30 day notice of collection to my current address which I have live since XX/XX/XXXX well before the reported date.
|
| 02/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
COMMONWEALTH FINANCIAL SYSTEMS placed me in collections with no notice, letter, or phone call on XX/XX/XXXX for a medical debt that someone opened under my behalf in XX/XX/XXXX. This debt did not belong to me and I provided the company with the fraud affidavit and they removed the Collection from my credit report and closed the account. I spoke to a representative from the company in early XX/XX/XXXX which also confirmed this. This company is now criminally diminishing my credit after they were given all the documents needed and after they agreed to close the fraudulent Account. I now want consumer finance to step in and the Federal government to investigate this company. There is misconduct going on here.
|
| 11/02/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have repeated asked the Debtor to provide proof ( by way of the original bill ) of this debt - both on my own and through your agency. The collection company has put this collection on my credit report without verifying to me that it is a debt. That was a ludicrous move because they were far likely to get paid ( if the bill is even legitimate ) had the only reported IF I did n't pay. Now, regardless of the outcome, what is the incentive - it is still on my credit. I read complaint after complaint about these people and there is no one that does anything about it. Shame on everyone involved. Putting this bill, without an proof, on a credit report for a alleged bill I owe back to 2009 is extortion. Shame!!
|
| 04/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt has past it's legal limits to be reporting on my credit report. Buying an old medical debt, does not warrant it being used as a new collection account.
I want this removed due to the fact that I have no legal obligation to pay this company. My legal obligation would be between the original creditor and myself ... if a debt is indeed owed.
I have no idea who this company is and never entered into any legal agreement to pay them anything! This is fraud in a legal loophole form. The selling of old debts and then listing them as a new debt on someones credit should be illegal. Especially with the way our system is structured, where we depend on decent credit to obtain basic necessities these days!
|
| 03/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
About one month ago I noticed on my credit report something from Commonwealth I've never heard of them the amount didn't add up to anything so I started a dispute with XXXX. I ended up winning that dispute it was removed from my credit now they are sending me an invoice and calling me telling me that I still owe the debt. They couldn't tell me what it was for the person I spoke with stated they think it was for a hospital or a doctor 's bill but wasn't sure and that's all they have. She then said that she would try to find an itemized list and have that sent to my address. Then told me that it can be sold to somebody else and they can try to collect the debt eventhough the dispute turned out in my favor.
|
| 03/13/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Commonwealth Financial Systems has placed an item on all XXXX of my credit bureaus that was proven to a previous collection agency as fraudulent. I have contacted this collection agency several times and they will not return telephone calls or mailings, but also refuse to remove the item from my credit reports.
The item in question is from a hospital bill in XXXX XXXX that took place by a person using information from my stolen wallet. The original debt is from XXXX XXXX XXXX Hospital, and I have a statement XXXX XXXX XXXX XXXX Hospital detailing that their investigation resulted in my being free and clear from further collection attempts because they found the incident to be a case of identity theft.
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| 05/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX , XXXX and XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If COMNWLTH FIN does no t have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
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| 06/10/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
|
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I went to XXXX XXXX XXXX on XXXX/XXXX/XXXX, I paid my co-pay during the visit. XXXX XXXX XXXX XXXX tried to use incorrect insurance information ( XXXX XXXX XXXX ), when I 've had XXXX XXXX XXXX XXXX of Texas insurance since XXXX of XXXX.
XXXX sold/contacted CommonWealth Financial Systems, they submitted my debt/account to collections on my credit report in XXXX of XXXX.
I contacted them stating I had insurance, they worked with XXXX to resubmit a claim to XXXX of Texas, which denied their claim stating the submission as 12 months past service date, and I was liable for {$0.00}.
I will be submitting the explanation of benefits for the original service date, and the resubmitted XXXX from XXXX XXXX.
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| 04/08/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
|
| 04/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
|
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I had two collections added by Common Wealth in XX/XX/XXXX. I did not receive a letter notifying me of the collection accounts until XX/XX/XXXX after the accounts were added to my credit reports. ( attached ) I sent full validation requests to validate the debts on XX/XX/XXXX and have not received proper or any validation of the following debts. The debts are both scheduled to fall off in XXXX and XXXX of this year, but I am challenging their violations. I did not receive notification of debts being added to my credit reports until after they had been added, in addition, this creditor has not validated the debts. I am submitting this dispute for those violations in order to have these debts removed.
|
| 12/02/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I pulled my credit report about four months ago and I noticed it was a collection on there from Commonwealth Financial Systems , Inc . I had never heard of this before and they did not send me a letter in the mail about about this debt.
I have written to Common Wealth Financial Systems, Inc three times since about XXXX 2017 asking for Validation of this Debt and a HIPPA Authorization. I also asked them to please do the following : - To please provide a breakdown of fees including any collection costs and medical charges - To provide a copy of my signature with the provider of service to release my medical information to you - To Cease any credit bureau reporting until debt has been validated by me.
|
| 06/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
|
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Unsure of date, months ago they called and asked for me by name. I verified and they asked for my birthdate. I asked what it was in reference to and they said they needed my date of birth to continue. I told them I would not provide that and to send me a letter in the mail. They said they would send me mail but they have not done so since that phone call months ago. They claim I owe a debt to a local hospital but I have no recollection of said debt. They call from multiple numbers in different states. Last call was XXXX XXXX a t XXXX XXXX , central time, from XXXX . Their last known address is Commonwealth Financial Systems , Inc . XXXX XXXX XXXX . XXXX XXXX , PA XXXX
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| 04/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
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Web |
|
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I pulled my credit report on XXXX XXXX, 2016 and found XXXX collections listed from Commonwealth Financial starting on XXXX XXXX, 2016. I had no knowledge of Commonwealth Financial was prior to XXXX XXXX, 2016. Commonwealth Financial has never contacted me via any method to inform me that they were attempting to collect a debt or debts. Commonwealth Financial did not afford me the ability to disputed their alleged claims within 30 days of notice which is a clear violation of the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809.
I have sent a Notice of Pending Litigation letter to Commonwealth Financial seeking relief and monetary damages. The mailing date of this letter is XXXX/XXXX/2016.
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| 11/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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When i checked my XXXX credit report i saw a debt owed from commonwealth financial original creditor XXXX XXXX XXXX XXXX Date opened XXXX XXXX On XX/XX/XXXX I called the creditor and it sounded like a scam, she said that i went to the doctor ( XXXX XXXX ) in XX/XX/XXXX but was not me, they had my info already, i acted like it was mine because how much of a scam it sounded, she went to see me up on a 2,3 and 4 month payment plan, then she went to a 25 % discount off of the XXXX $ to XXXX , after ending the call i looked more into it and read the comment for commonwealth financial and everybody seems to have the same story, just trying to get money, i never received any mail about the medical bill!
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| 12/23/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX, XXXX. saying they 're collecting a debt for {$160.00} that was acquired by XXXX XXXX XXXX. The letter also mentioned XXXX XXXX as XXXX. I have n't been in XXXX XXXX for more than 15 years but I called and made sure I did n't have any open accounts with them. I also replied to XXXX XXXX XXXX XXXX XXXX that the debt is unfounded and they replied back that the account has been closed.
Today I received another debt collection letter from Common Wealth Financial Systems saying they 're collecting a debt for {$150.00} that was acquired by XXXX XXXX XXXX.
It seems that XXXX XXXX XXXX. is selling bad/unfounded debts to debt collectors.
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| 03/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Opened XX/XX/XXXX ( XXXX mos ) and the last time I went to XXXX XXXX XXXX XXXX was in XXXX or XXXX, I left this area since XXXX. How come it's open then XXXX?
I have no idea what this debt is about. If it was for my kids whom had insurance by that time, it should not be under my name or in my credit report. And guess what we might resolve this in court because those emergency rooms always fail to charge the insurance companies which my kids have medicaid and now adding all this amount on my credit report. I'll give you 30 days to remove this from my report because it is proven that all my kids have insurance since day one and never cancelled. And in fact even so, should not be under my reports.
|
| 08/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I noticed that I have a collection account on my credit report from COMMONWEALTH FINANCIAL SYSTEMS for the amount of {$310.00} the original account being from XXXX XXXX XXXX. This charge was placed on my credit report on XX/XX/XXXX. When I called I found out the debt was from XXXX. This is 6 years ago and has just been placed on my credit report. I don't remember this service taking place. I have never been contacted for this debt since it supposedly occurred either. The state of Florida has a law that you are not allowed to collect on a debt more than XXXX years old. So this is wrong and is stopping me from being able to apply for a home loan. I have no recollection of this service occurring.
|
| 11/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have never received anything prior to a collection showing up on my credit report. The law states that consumer should be notified 30 days prior to listing anything on credit profile. This company is stating they are collecting on behalf or XXXX XXXX I have no contract signed with XXXX or XXXX XXXX. Per the HIPAA Law it protects my personal health information from being released to anyone not listed. This is reporting and has impacted my credit negatively. If this issue can not be resolved, I will exercise my rights under FCRA and sue for any damage this has cause me in obtaining credit and will contact XXXX XXXX for XXXX XXXX whom is responsible for enforcing the Privacy and Security Rules.
|
| 01/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
|
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I have sent two letters certified to the Collection Agency, disputing and requesting validation of a debt they claim I owe according to FDCPA, 15 USC 1692g Sec. 809 ( b ). One on XX/XX/2019 and the other on XX/XX/2019. In return I received copy of an invoice from them of the original creditor with a XXXX balance.
This is not a validation of the debt. Nothing with my signature and the original amount according to the invoice was {$1700.00} and they claim to be collecting {$300.00}. The unverified items remain on my credit report in violation Federal Law. They have not provided me a copy of Any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 612 ( a ) ( 1 ) ( A ).
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| 10/31/2016 |
Yes |
|
- Communication tactics
- Threatened to take legal action
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Web |
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On XX/XX/2016, I contacted XXXX XXXX with Commonwealth regarding a medical bill from a car accident that is still in litigation. I provided my attorney contact information and the Insurance contact for the Responsible Party. XXXX XXXX was rude and unprofessional threatening me with bad credit if i did not pay debt that i am not responsible for. XX/XX/2016 I reviewed my credit report the debt has been reported inaccurately.
I spoke with XXXX XXXX XX/XX/2016 again to only be disrespected, threatened and lied to regarding my account. He also stated he did not report my account to the Bureau. I am in the process of purchasing a home and this has placed me in a very difficult financial position.
|
| 10/10/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
The charge commonwealth financial has been calling me incessantly everyday at all hours of the day and have sent a letter trying to collect a nonexistent debt. They have sent a report to the credit bureau. The charge first came into the credit bureau by them XX/XX/XXXX. No time before has this ever been on my credit record. They are claiming a hospital stay in XX/XX/XXXX was not paid and that the hospital has not been able to collect. The hospital has not ever sent me a bill in that quantity. I was insured at that time by united health care and they covered my bill at that time. This is the first time I see this charge. They claim to have bought this " debt '' from a company called XXXX ...
|
| 02/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
|
| 10/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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Commonwealth Financial continues to report an account in the amount of {$680.00} and it should be removed immediately as they are in direct violations of FCRA rules and regulations. I have contacted this company for validation of this account and I received no information from the company within the allotted period of time. The company has placed inaccurate information on my credit reports and defacing my credit worthiness. The company stated that they updated information after I disputed information with the three major credit bureaus on the account but all information remains the same. Commonwealth financial should be held accountable for their direct violation of credit reporting laws.
|
| 05/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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Commonwealth Financial has been reporting on my credit for over 8 years- each time its a different amount different medical debt that Is not mine. I will disputes this and then random may they will take it off my credit and put it back on my credit in either the same debt that was taken off or they will report anuther amount for another company- I have repeatedly disputed this-and they continue to add debt to my credit.
Sending me bills with unknown account numbers-and now the representative that is the contact on the bottom of bill-has the name of my son-which is not common last name- and now could be identity theft.
Statue of Limitations is valid and this company is breaking the law.
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| 05/12/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
In reference to case # XXXX and XXXX Commonwealth Financial Systems, Inc continues to telephone me and send me mail regarding the above case numbers.
This time, instead of listing XXXX XXXX as the placer of the so-called debt they now list " XXXX XXXX XXXX. " The same information still obtains. XXXX XXXX XXXX XXXX failed to exercise due diligence in billing the VA in a timely manner ( over 8 months ).
In the above referenced case numbers I was assured the collection efforts would stop pending a decision. That has not happened. They have continued to harasses my wife and send me letters telling me I have 30 days to respond even though I responded back in XXXX.
Please make this stop!
|
| 11/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Common Wealth Financial Systems XXXX XXXX 2017 {$51.00} They told me over the phone that the account was not mine after them verifying it was not my account. They ended up removing one account and forgot to remove this one. So I called them again and they told me to send them verification of identity theft which I did and they said they would take care of it and remove it. Now I have the credit burea say they denied my request which they ORIGINALLY AGREED and verified it wasnt mine to begin with. I have emails and they should have notes i the system and recorded calls of original agreement about it not being my account. Please have them remove this as I am STILL FIGHTING IDENTITY FRAUD
|
| 09/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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A letter was received stating that I can go online to make the payment settlement for the following account XXXX ( XXXX ) and XXXX ( XXXX ).
The website for Commonwealth Financial Systems states that we don't have to speak to a representative to resolve these accounts, however when you enter your information it states that your information is not found. This a clear indication that they are not telling the truth.
On XX/XX/21 I called and provided my verification information to handle these accounts for settlement and was told they are having problems with their website. Well that's not my problem. Just like they will tell me the same regarding the payments that need to be settled.
|
| 10/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Financial Systems is attempting to collect a debt that does not belong to me, while also violating HIPPA laws by obtaining my CONFIDENTIAL medical records. I NEVER signed a contract with Commonwealth Financial System, nor did I give XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX permission to release/sell my personal, CONFIDENTIAL medical records to a third party.
Commonwealth Financial System needs to delete this alleged debt from all credit reporting agencies NOW, and not return, or sell this alleged debt back to the original creditors or a different collection agency.
Service Date XX/XX/2016 XXXX Ref # : XXXX Account # : XXXX
|
| 01/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit reports a couple of times last year. I found out that in XXXX XXXX, Commonwealth Financial started reporting a debt of {$610.00} ( medical ) to the credit bureaus. This is not a valid debt, as I have attempted to express to them on numerous occasions. I have disputed the account, multiple times, on each of the bureaus, and each time Commonwealth verified the account as accurate. I do n't understand how they can do this. They will not send me verification of the debt, and I can only assume it 's because they are n't licensed to collect in Florida and it shows their collection license as " revoked '' ( I did a little XXXX search ). So what gives? Is this even legal?
|
| 07/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This complaint is in reference to Commonwealth Financial.
I have previously subumitted a complaint to CFPB about this company a month ago. It should be documented.
I have received notice from CFPB that Commonwealth Financial has responded to the complaint by stating that they would remove all accounts on all 3 bureaus. This has not happened.
I am requesting that Commonwealth Financial remove all collections from all 3 bureaus immediately. I do not have a signed contract with this company nor have they sent me anything that I have signed with them even after they responded to my previous complaing with CFPB. And having them report on my credit reports is hurting me.
|
| 03/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are medical bills that are unverified. I have on several occasions sent letters to all 3 credit reporting agencies as well as ; the collection agency, which i have not received any validation of debt.
Additionally, any reporting of debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
COMMONWEALTH FINANCIAL SYSTEMS in the amount of {$410.00} XXXX XXXX XXXX in the amount of {$630.00}
|
| 09/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have made several attempts to reach out to this company Commonwealth Financial to have the negative remarks they report and update on my credit each month removed. I have never authorize or open an account with this company. This company is intentionally ruining my credit. They claim they have mailed me out bills but I have n't received anything from this company. They constantly hit my credit with an amount of XXXX and XXXX dollars. It reports on credit as a new loan. If this company can not produce a signed contract from me, the consumer, they must remove the debt from my credit report per the FCRA. These amounts are updated each month as if I took out a debt with this company.
|
| 01/27/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have been XXXX for the past 3 years. I have only went to XXXX XXXX. This company is staying that I owe them However, I have never went there. It says that the account was open on 2015 well at that time I had medicaid and south this all of my doctors bill were covered. Plus I have insurance with my job. I have told them multiple times that this is not my account. However they keep reporting this to my credit report. When I know that this is against the law to do. With death validation and if they do n't have all of there legal bonding documents. Which I know that they do n't because this account is not mines. I have already reported to the credit bureaus about the faud activities.
|
| 04/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Information was provided to me thru my XXXX Account : XXXX : XXXX Derogatory marks View all accounts COLLECTIONS Commonwealth Finance Opened XX/XX/2020 {$710.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount.
Balance {$710.00} Highest Balance {$710.00} Opened XX/XX/2020 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX See an error?
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.
DISPUTE AN ERROR Creditor Information COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
|
| 05/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The account showed up on my credit report. I had no prior knowledge of a debt with any medical group as I have VA Healthcare. I called the original creditor and they said they have no knowledge of me ever having a bill or debt with them. So I then disputed it through XXXX XXXX and it was said to be within standards or something to that effect. I then called the company asking them about the debt and if they would remove it and how I can dispute it. They said a dispute was already submitted. The issue is that this is effecting my credit score and Im currently trying to purchase a vehicle. I have no knowledge of this debt nor did I go into any contract of any kind with this company.
|
| 10/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
CommonWealth is reporting a debt on my credit report and NEVER NOTIFIED ME PRIOR TO INACCURATELY REPORTING THIS INFORMATION.
Today it shows : COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX {$790.00} 0 % paid off Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$790.00} {$790.00} Payment Info Original loan amount {$790.00} Balance {$790.00} Updated on XX/XX/2019 No other identifying information that proves this debt belongs to me. I would like this matter to be investigated further because I never received a written notice of my right to dispute per FCRA, they are not doing their job.
|
| 02/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019 a debt was placed on my credit report from a Commonwealth Finance on behalf of a XXXX XXXX XXXX XXXX XXXX for the amount of {$950.00}.
I then recieved a letter also. Never heard of either of these folks and have never used any of these people who are apparently in another state. I then asked the company in writing for a copy of my identification used to open such an account and they have not responded or provided my identification as proof. Because it is not my account and they have not proven that it is identified as my account through my identification required to open any account I am asking that it be removed from my credit reports because it is not my account.
|
| 06/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Commonwealth financial systems has reported me multiple times to various credit agencies ( negatively affecting my credit ). I received written notice and responded by mail within 30 data requesting additional information. Initially they said they never received my letter which is a lie because I had the post office track that it was received. I received a response that did you provide the information I requested. This occurred in XX/XX/XXXX and they removed the report with no communication and now again without written notification, they reported the same debt to credit agencies again on XX/XX/XXXX. I received written notification AFTER this debt was reported to credit agencies.
|
| 10/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/2019 Commonwealth Financial was made aware that accounts that their company held under my social security numbers were a result of identity theft and did not belong to me. Commonwealth verified this account as mine and inserted back onto my credit file however they do not belong to me. Commonwealth did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Commonwealth is continuing to report inaccurate information onto my credit file. Not only that how can Commonwealth verify anything medical with a credit agency being that I have never signed HIPPA form authorizing XXXX XXXX to have access to my patient information.
|
| 04/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was notified of a negative item on my credit report. I inquired to learn I have an account that is four years old in collections and my score dropped substantially. The original creditor they gave me is no longer in business. I repeatedly tried contacting them. I had health insurance as of the date of service in question. They told me to provide them proof of benefits which I did. They will not remove from my credit report unless the account is paid. Basically they agreed to delete item completely from my credit if I pay them XXXX dollars. I was not aware of this bill nor do I owe it. They admitted the bill was sent to wrong address. I need this removed from my credit asap.
|
| 02/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a notification from XXXX that Commonwealth Financial Systems has flagged my account for collection. Upon logging in and reviewing the information submitted to all three credit bureaus by Commonwealth Financial Systems, I assert this company is attempting to collect a debt that does not belong to me. I have not been in the emergency room during the times they allege the debt was incurred. I have attempted to dispute this debt, but each time I dispute it, they fail to remove the information while it is being investigated, they fail to provide me with proof the account is mine, and update and refresh the reported information to appear as new within days of the dispute.
|
| 10/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/18- 3 phones calls between XXXX and XXXX. The first 2 calls I did not answer but on the 3rd I picked up thinking it might be something important. The female who would not provide her name, just that she was with Common Wealth Financial. After giving the company name she hung up. When I called the number back XXXX answered and said this was about a debt but first he must say legally this is an attempt to collect a debt. He DID NOT the mini-miranda This is an attempt to collect a debt. Any information obtained will be used for that purpose '' XXXX never provide the name of the creditor just that it was a medical bill, the amount owed and said he would just send a letter.
|
| 02/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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The company below calls me everyday and late night and sends letters threatening I pay this debt. I told them its not mines. They said its me and I must pay it.
COMMONWEALTH FINANCIAL XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Type : Collection Department / Agency / Attorney Collection Account Collection Account Account Status : Closed Closed Open Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$550.00} {$550.00} {$550.00} Terms : 1 Month High Balance : Limit : Past Due : {$550.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Unpaid Comments :
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| 12/11/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter from Commonwealth Financial System on XX/XX/2021 charging me the amount of {$760.00} and stating that the original creditor was XXXX XXXX XXXX XXXX and that current creditor is XXXX XXXX XXXX. I also saw the collection in my credit report from XXXX. I called the collection company because they are using my Social Security but addressed using my Mothers name. We are XXXX and have the same name and last name. When I called, they gave me my mothers date of birth, and I explained that was not me. They said they would call and report the mistake to the credit bureau. My mother also called and reported she had never been at that XXXX place nor have that debt.
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| 08/18/2023 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/2023 at XXXX, I received a call from Commonwealth Finance . They called from XXXX XXXX XXXX XXXX and I spoke to XXXX. They recorded the conversation and they were asking private information. I wanted to confirm the legitimacy of the company, so I started to ask my own questions. This upset XXXX and she started to curse at me. She called me all kinds of XXXX and XXXX and then transferred me to someone else who completely ignores me. I was in the car with my family when this conversation took place and it was completely humiliating.
Furthermore I do not believe that I have a contract with Commonwealth Finance. If so Could they please make that contract available.
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| 03/20/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Commonwealth financial is continuing to harass consumers violating public law title X, 124 stat 2092 section 810 reporting multiple debts that is already reported on my credit from another creditor. Section 808 unfair practice by continuing to contact the consumer after the consumer informed this company that a creditor is already reporting the debt. Violating section 807 of the act by false misrepresenting themselves as the debt collector of a debt that is already reported to ones credit file and reporting false credit debt to credit bureaus as a means to harass consumers. Why isn't the ftc going after this company. This company has over 100 complaints with XXXX and ftc.
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| 12/17/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Two collections for XXXX and one for XXXX are on my derogatory marks.Received nothing from said company about these debts no letters email or phone calls just randomly popped up on all my credit scores why was i never reached or notified. Its says for XX/XX/XXXX i was no where near this place in question i was at work. Again no letter or anything i'm pretty sure i would know if i went to this place and received service this just plain has fraud written all over it where is the proof.If you go on XXXX you can see all the complaints against them making fraud claims on people intentionally trying to destroy peoples credit. They definitely are not running a legit business.
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| 05/15/2020 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have uploaded a credit report from XX/XX/XXXX showing the exact same collection with XXXX XXXX XXXX and the date of last activity with the credit grantor was XX/XX/XXXX, which means this collection was due to drop off this year in XXXX. It was apparently transferred to Commonwealth Financial Systems to start this all over again, which is against the Fair Credit Reporting Act. I have not had any contact with the original credit grantor since XXXX, so Commonwealth is not being honest with their previous response, which I included. I want proof from Commonwealth Finance of any updates to " reflect activities, such as balance changes, payments, disputes, closings, etc. ''
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| 03/17/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I pulled my credit reports from all 3 bureaus and I have a collection account from Commonwealth Financial Systems that I do not believe is mine. I disputed it with the credit bureau and they removed it from my account because it is unverified. I sent a debt validation letter via certified mail on XX/XX/XXXX to Commonwealth Financial Services to request documentation that this is my debt and they responded on XX/XX/XXXX saying that I need to notify them that I am disputing the debt within 30 days. They failed to validate my debt on my first request. It has been longer than 30 days. I am mailing a second letter via certified mail requesting debt validation on XX/XX/XXXX.
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| 08/28/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am writing this dispute letter on my own behalf. Please be aware that I have recently studied US laws, and I am fully cognizant of my rights. I am well-versed in the provisions of the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ), which grants me the right to safeguard my privacy and medical records from third parties. It is important to emphasize that I do not consent to any third-party collection agency accessing my personal financial information. While I understand that HIPAA allows for some limited information disclosure, it is crucial to note that any specific details can only be revealed with the patient 's explicit authorization.
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| 04/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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A group of doctors from XXXX hospital are trying to get the money from me that I keep fighting for medical malpractice in XX/XX/XXXX underneath different debt collectors.. now it was all sold to Commonwealth. The malpractice is they kept saying noting was wrong with my XXXX and yes I can get previous prove that something was wrong with me XXXX and a doctor concealed it too in his doctor office since I had the XXXX as well he admitted they messed up on my XXXX XXXX as well. XXXX XXXX.
also here what common wealth really is a backdoor. I contacted them today XX/XX/XXXX and the guy said to bad so they don't care.also old debt from XXXX and XX/XX/XXXX.
XXXX XXXX XXXX
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| 09/21/2017 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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XXXX XXXX. Received a call from a representative from Commonwealth Financial stating I owed a medical debt and if I did not pay he would forward the debt to my credit report. I ask what debt as I had medical insurance and did not owe anyone. he said dont worry about it, you will see it on your credit report.
XXXX XXXX pulled my annual credit report, Commonwealth reported {$230.00} debt to all three credit bureaus. XXXX XXXX XXXX, I responded to Commonwealth Financial with a registered letter asking for validation on debt. Did not receive validation within 30 days per federal guidelines and false debt still listed on all three credit report. ( XXXX XXXX and XXXX ).
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| 02/01/2017 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I noticed a recent derogatory report on my credit reported on XX/XX/XXXX. I looked up the company that issued the report ( COMMONWEALTH FINANCIAL ) and asked what this was in reference too. The representative stated that this was from a hospital stay from XX/XX/XXXX. I have a problem with this mainly because I was issued a county relief on the medical bill due to my being out of my county during the emergency and was indigent. Also I was never notified in writing of this debt which is now preventing me from getting a home again which I lost along with my company I owned after my medical emergency which has presented a severe hardship ongoing for me and my family.
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| 02/02/2017 |
Yes |
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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Commonwealth Financial of XXXX Georgia purchased this debt from the original creditor, XXXX, and entered duplicate information on my credit report for a debt that already existed on my credit report as a mark against me as though it is a new report on my existing account. The original debt Is 4 years old! Not to mention the emergency room XXXX ordered a XXXX exam when I entered the ER for XXXX! I told the ER XXXX there was nothing wrong with my XXXX and he ordered it any way! They keep renewing the information as if it is brand new thrwarting any opportunity for the debt to fall off after the amount of years of liability expires. This is unfair credit reporting!
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| 01/10/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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COMMONWEALTH FINANCIAL is reporting three collection accounts to the credit bureaus that are not owed by me. I have disputed these accounts with all three credit bureaus, but they just added a statement " Consumer disputes this account information Medical ''. The credit bureaus or Commonwealth Financial have yet to verify that this debt belongs to me. I have told them that I do not owe them and this is not my debt and they continue trying to collect on the debt and continue to report it on my credit report. This is false information. Filing a complaint here is my last resort. I do n't know what else to do to stop them from reporting this inaccurate information.
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| 07/11/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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This is my 3rd complaint with CFPB about this company. They have agreed to remove these accounts from my credit files. So far they have indeed removed them from XXXX and XXXX but not XXXX. I have called XXXX and they have informed me that it only takes 24 hours to remove it from my file.
I have not received anything from this company with my signature about this debt. I have two letters from the CFPB that this company has repsoneded to agreeing to remove the accounts ... ..i am simply asking them to completed the task and remove all accounts from my XXXX credit report. All letters with a response from Commonwealth are on file at the CFPB
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| 03/14/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I received a notification from a hospital that they had a security breach and my personal information has been or could have been breached so I have been monitoring my credit report. There is a collector on my credit so I decided to call them. When I call they ask for my social security which I provided and they were unable to locate me. They tried to tie me to a XXXX XXXX, which I have never lived. I asked to send me proof, which they have not yet they took the liberty of adding themselves to my credit. I have disputed this with my creditors which most removed but XXXX is still saying it is mine, which I do not understand why since no proof has been submitted.
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| 04/26/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Commonwealth Financial sys tem has placed XXXX negative items on my credit report. I 've reached out to the company several times. When I called with the account number they refused to speak with me unless I give them my social security number and date of birth. Which will allow them to update the information. I refuse to provide the information. This account was generated by XXXX Hospital. A place I 've never step foot in. They have threatened me by saying they will have me served on my job. Garnish paycheck. O ne representative stated I was a liar, and I need to pay the bill. The date open is XXXX 2016 r eported as collection XXXX 2016.
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| 03/12/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Common Wealth Financial keeps contacting me about a debt that they say I owe. I have asked them for proof of the debt being mine. They keep telling me they have emailed me the proof and such. I have not received XXXX email from them. They keep calling my phone and when I answer they hang up, on a recent phone call they called me and I answered they wanted my SSN and date of birth which I do not give out to someone who calls me. I told them they have not shown me proof and the man on the phone said he has emailed me like 20 times and I told him he did not. He then said " this young lady on the phone is talking to me like she is my mother '' and ended the call.
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| 06/12/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am Being told that I owe a debt for something that i have no recollection of. Not only that i was out of the country on the dates being charged, therefore i know for a fact It was not Me. A company by the name of XXXX XXXX XXXX XXXX XXXX Account number ( XXXX ) claiming the amount of XXXX $ is owed. This company not only has never sent me a bill, but the time line in and of itself is questionable. why would a two month old debt be sent to collections and futhermore, how can this company claim they are owed by someone whom wasn't even in the country at the time. This is simply a means of malicious and illegal tactics to get money out of unsuspecting people.
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| 04/07/2019 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I called few times to remove this collection accounts from my Beureau- cfsi XXXX XXXX XXXX : csfi manager XXXX XXXX XXXX XXXX : on XX/XX/2018 She promised to remove it due to mistake. I have been identity theft victim. Never have been in hospital or any debt and they still reporting wrong and causing me damages I found that 46 like my name have in us but I cant do anything. I sue XXXX ans XXXX ans the paid compensation. I will give company XXXX / cfsi or whatever there name 7 days to remove or will sue them as well. Please advise them for the last time!
My last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Advise to my email please : XXXX XXXX
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| 05/17/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Commonwealth Financial has used illegal and immoral practices to attempt to collect questionable debt from me. Commonwealth Financial has called me multiple times, There is no physical signature or agreement with the collection company. Agreement was not with said company, with no knowledge of the amounts given by this unknown company. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical original paperwork or signature. No wet signature was given to Commonwealth Financial. I ask that they immediately cease all calls and harassment or legal action will be taken. This account should be deleted immediately.
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| 01/04/2023 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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spoke to reprensative at this collection agency XXXX. last spoke with XXXX XXXX XXXX on XX/XX/XXXX. I have informed company that this debt is not mine, it was under a name AA, with whom I have no association nor do I know how they accessed my information whether it be ID or social security fraud/impersonation. I received a letter from XXXX XXXX stating that this should be erased from my file and accross the XXXX major credit reporting agencies. I have also reached out to XXXX XXXX ( last contact being today XX/XX/XXXX ) regarding this fraud and it still remains on my credit file negatively impacting my credit report and my ability to apply for a mortgage.
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| 09/26/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/2018 - I sent a letter to all three credit bureaus requesting them to verify the debt with Commonwealth Financial.
XX/XX/2018 - Received a letter from XXXX stating that the account has been verified.
XX/XX/2018 - I have sent a letter to Commonwealth Financial asking them to validate the debt. I also sent letters to all credit bureaus asking them for verification procedures to justify how they verified the account.
XX/XX/2018 - Sent a letter to all three credit bureaus after the account was verified with them, however I have yet to receive a response from Commonwealth Financial, and they are still reporting on my credit with no accountability.
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| 06/16/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was a victim of identity theft. The following year and every year since then I have had to have a pin to complete my income taxes. After working for years to build my credit back up, I get a XXXX point deduction and was told it was from a medical bill that I had no knowledge of. When I contacted the debt collector, they rudely told me to get the proof and we will go from there. I said, well what is considered " good enough '' proof? I wasn't given a direct answer and still don't know where to turn.. I do have enough money to pay it, but the fact remains that it is not my debt and money is very tight due to work slowing because of the covid-19 pandemic.
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| 04/09/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX and XXXX with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code, they are illegally attempting to collect this debt and are in violation of Chapter XXXX. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below.
XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX Debt Amount- {$410.00} Opened on- XX/XX/2017
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| 10/02/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Received notice dated XX/XX/2020 from Commonwealth financial systems for medical bill, service date XXXX.The agency placed the debt on my credit file and after i disputed the information XXXX and XXXX both reported that the information was verified.
I contacted the agency and was given the phone number for the hospital billing department, however the representative was unable to verify the information and reported i was the tenth person to call and she is unable to assist because the hospital does not bill for the ER doctors .The hospital representative provided a phone number for the physician billing supervisor and my calls have not been returned.
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| 10/17/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I checked my credit after being denied multiple times for a new auto loan. I noticed an account for COMMONWEALTH FINANCIAL in the amount of {$650.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX XXXX XXXX.
First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency.
Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income.
Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.
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| 06/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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COMMONWEALTH FINANCIAL XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX This company continues to report inaccurate and unverifiable information to my report. I have noticed an account with a balance of {$910.00} reappearing with changed information. The company continues to change the date opened on the account so it appears recent. The account is currently reporting the account to be opened XXXX 2018. I have seen the date change many times. The account is in collections on my report but reporting as Open. I have requested this account to be removed with the company with no progress or response. This is a violation and needs to be removed immediately.
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| 11/23/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hi my name is XXXX XXXX i had a operation in XXXX XXXX 2016. In XXXX XXXX XXXX zip XXXX.I paid some bills up front and am paying off others.After the first time i saw this on my credit report i called XXXX XXXX and they said they never put anything in collections. I paid off the XXXX bill have a receipt. I am paying off doctor and hospital bill.So i believe this is an attempt to collect money i do not owe. This is bringing my credit score down, you can see i have a good score i worked hard to get it back to where it is at .And i do not appreciate it. I never got a bill telling me what this is supposedly for, so i would appreciate your help .Thank you
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| 06/08/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I've made several attempts to resolve a medical debt on my credit report that was opened on XX/XX/2018 by COMMONWEALTH FINANCIAL SYSTEMS in the amount of {$780.00} which is clearly incorrect and an error that's lowering my credit score is creditor that's threatening me about taking action. They undermine me and bully with scare tactics they scream over the phone refuse to give me the name and address of the original creditor. I was eventually able to find out what the original creditors name was which is XXXX XXXX XXXX i contacted them and they had no information whatsoever about a medical debt i currently owe or was sold to another creditor agency.
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| 12/04/2015 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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RE : Common Wealth Financial Systems Account # XXXX and XXXXXXXXOn XXXX XXXX, 2015, I requested debt verification/validation of the alleged debt claimed owed in the amounts of {$750.00} and {$300.00}. Correspondence was sent via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, which Common Wealth Financial Systems received on XXXX/XXXX/2015. After not receiving verification/validation, I then requested, on XXXX/XXXX/2015 via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX which they received on XXXX/XXXX/2015, for Common Wealth Financial Systems to remove theses negative items from my credit report. They have failed to respond to either of my request.
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| 04/10/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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To XXXX XXXX legal/compliance thank you very much for your response. I am requesting a copy of my medical information showing the debt the amount of the debt the unpaid balance sign by the consumer. legal compliance XXXX XXXX stated you are business associates of the original debtor.I request my sign hippa given you from the original debtor be posted c f p b that I may view the sign hippa you stated your agreement with your client that you would not share private information with anyone other than the consumer. I take that to mean any third party other then the consumer the person who may are may not have purchase good and service for personal use.
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| 04/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Commonwealth financial systems, called me about a debt for {$780.00} from a hospital visit in XX/XX/XXXX, I had and currently have insurance from my employer whom I've been working for, for 6 years ( XX/XX/XXXX ) the insurance should have covered my hospital bills, and no disclosure on how/why I was charged and not notified way back then about this debt ... this is showing up on my XXXX and XXXX credit report, and I also have noticed on my report that a couple of the months on the payment history show as " C '' " current '' and the rest as " ND '' or " no data '' ... is this a form of re aging? Please contact me with an update whenever possible ...
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| 05/10/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
Older American |
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To XXXX XXXX License State board of Pennsylvania Legal Compliance Common Wealth Financial System Inc. Be advised, XXXX XXXX never received itemized bill forward XX/XX/2019- XXXX/XXXX2019. No cover letter enclose showing the amount of debt no Hippa report conveying common wealth System system inc rights to XXXX XXXX medical information we will contact the facility as to the information to your request as named on the consumer file in reference to sign Hippa report verification. date original amount unpaid amount. XXXX XXXX you agree you are a business associate of name claim holder not a purchase of medcial information for profit as a third party.
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| 07/20/2017 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX, I received notice that Commonwealth Financial was added back to my credit report after being disputed and removed twice. They have also changed the date of the collection to XX/XX/XXXX. This is illegal re-aging of an account! I have disputed this company twice from my credit report and they have removed the file, only to re-age it and add it back a few months later. It was removed XX/XX/XXXX and also again in XXXX of XXXX. This is the same account that they are continually re-adding back to my credit reports. I am tired of having to dispute them and then they illegally put this account back on my credit reports but with a new date.
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| 08/29/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Collection agency named " Commonwealth Financial Systems, Inc. '' Located in XXXX XXXX XXXX XXXX XXXX, PA XXXX, are also owners of " Northeast Credit and Collections '' which are switching Debt information back and forth to XXXX, XXXX after each challenged dispute, re-attaching the debt as new each time, making it impossible to remove from the Credit Report.
After it was disputed many of times This company had re-attached it once again. I have letters, forms, that prove this.
And this also is not the first time this company has done this.
XXXX has record of wrong-doing by this company as well.
What forms will I need to resolve this issue?
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| 04/25/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I have been contacted on XXXX occassions from people claiming to be from commonwealth with a lawyer named XXXX XXXX threatening to sue me if i do not pay him within 72 hours. I was also told I would have to pay {$5000.00} in fines and court fees and that a uniformed officer will be coming to my home. XXXX also threatened me saying " dont worry maam Ill see you ''. He refuses to give any additional information. I explained to him that I paid the card off and have proof of it and I was willing to forward it to him, to which he replied he didnt care and that I am lying and it wasnt paid and I need to pay him. He is threatening and rude and hangs up.
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| 04/11/2018 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Commonwealth Financial Systems has been trying to collect a debt of {$910.00} from me from a hospital visit I had in XX/XX/XXXX. I've tried to work with them with no luck.
Now they have added a " new '' debt, with an " date opened '' of XX/XX/XXXX. This is causing two collections on my credit for the same debt, with one being for {$910.00} and one for {$920.00}. The one for {$920.00}, was with their {$10.00} fees included on it, but not listed. The original " debt opened ''.
How is it legal to report the same debt twice on my credit report. They have been very harassing and uncooperative with this debt since it fell into their hands years ago.
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| 04/05/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/2020 I submitted to XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX that I had paid my bills for XXXX XXXX MD directly to his billing office at UT XXXX XXXX Texas. I submitted letters of proof, including letters from UT XXXX XXXX XXXX XXXX.
Now, XXXX XXXX has sent me a letter from CommonWealth Financial Systems asking for me to pay them when this debt was paid in full and cleared with a final balance of {$1.00} on XX/XX/2020 and I submitted their proof back on XX/XX/2020.
I need for this fraud to stop as this debt has been paid and they keep placing this debt on my credit report I have had to have this debt removed three times to date.
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| 02/23/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
|
I receive a notification through XXXX to review a change with my credit. After I signed in, there was an adverse account opened and sent to collection. I called the number of the XXXX representative and after some questioning. We contact the collection agency and inform them that this was not opened by me and that we want to file this as fraud. They said they would and that it will take 30 days to be removed from my credit report. Additionally, I was informed to place fraud protection on my account and that was done by XXXX representative and also to submit a report to the consumer financial protection bureau which I am doing with this report.
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
|
| 08/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The amount of the debt this company claims I owe has been changing every quarter. The details for the debt says that it was created in XXXX of XXXX but previous to XXXX, it said XXXX of XXXX. I have tried contacting them years ago to verify the source but they were unable to give me any details. I am not even sure if this is supposed to be mine because I've had medical insurance for many years and my company has no record of any attempt to charge my insurance. Regardless, they have been resetting the clock every quarter and refuse to discuss any details so I've given up on that but now they continuously reset the debt and therefore the clock.
|
| 06/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Several months ago, I incurred medical expenses at XXXX XXXX XXXX in XXXX, Texas. I provided an HSA account card for them to bill me monthly. I received no indication there was any problem. They made some kind of mistake and started calling me a couple of months ago about a " past due '' bill. My wife and I had to go down and hold their hands and point out their mistake which they admitted. Yesterday, my credit report reflected my only negative comment from Commonwealth Financial who apparently bought the debt. My credit score plummeted over 100 points and one of my credit card issuers cancelled my account. THIS DEBT WAS PAID MANY MONTHS AGO.
|
| 08/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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In XXXX of XXXX I noticed 6 new collections accounts added for $ XXXX $ XXXX $ XXXX/ $ XXXX $ XXXX {$520.00} i disputed these items and requested debt verifications I received no debt verification and the disputes resulted in a decision of accurate information I contacted the collections agency to find out what dates the accounts became delinquent I was told XXXX and I asked why they were violating federal law by reporting theses accounts as a new delinquent account they said because the credit bureaus made them and I explained I would file complaint and possibly lawsuits if it wasnt corrected and they refused to make any attempt to correct
|
| 10/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them XXXX XXXX XXXX Last reported : XX/XX/2018 {$1600.00} Needs Attention COMMONWEALTH FINANCE Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention COMMONWEALTH FINANCE Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.
|
| 09/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. commonwealth NEEDS to remove ALL accounts on my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.
|
| 10/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I came across a report on my XXXX XXXX account that a company had open a collection account on XXXX bureau on my name that I never heard from or known of. The agency name is XXXX XXXX:XXXX XXXX XXXX, XXXX , PA XXXX which is the creditor which is put the fraudulent information. The report have a certain XXXX XXXX XXXX XXXX. as original creditor. I have never visit an office or emergency room on that name nor know of the existence of a practice like that. those fraudster use my name to create that account on XX/XX/2018. And posted an amount of {$640.00} owe to them. I would like to know how they got my information and create that account.
|
| 06/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
this debt just showed up on credit report i have no clue of this, im sure your aware of the laws fcra, and ftc opinion letter. first you need to give 30 day notice and my right to dispute said debt, so ill dispute this through this sight, i need an written agreement to pay this debt with my signature, an itemize statement is not validation, and i dont give my permision for you to get my medical records so getting itemized statement or any thing that has to do with my medical record like itemized statement or name address, released to you is a violation of hippa so contract or written agreement that bears my signature is what ill except.
|
| 04/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Date of service XXXX15, amount {$1900.00}, original creditor XXXX XXXX XXXX. I was not in town during the date of services rendered, have proof of this.
Have called multiple times to clear as this is not me, date of birth does not match, home address incorrect on hospital files. have disputed this at least 4 times with credit agencies. Each time I am assured that this will be resolved and hasnt been. Placed a hold on credit to help in future and fear identity thief.
In the process of closing on home and this will affect it. have explained this to both creditor and hospital. appears that insurance is associating with me on their files.
|
| 02/21/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Commonwealth Finance placed a collection on my credit reports in the amount of XXXX.
This collection has been reported and deleted multiple times from several other collection agencies and found to be a fraudulent account. Now, Commonwealth Finance is reporting the same fraudulent account that has been deleted numerous times by other companies.
I have a fraud alert on my credit reports due to this.
I have filed complaints with the TX & PA Attorney General 's offices and well as the BBB. This fraudulent collect MUST be deleted.
Prior to the reporting of the collection I have never received any type of communication from Commonwealth.
|
| 03/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I RECEIVED MY REPORT XX/XX/XXXX AND I FOUND THAT MY NAME LISTED WRONG AS WELL AS ADDRESS AND SEVERAL ACCOUNTS THAT I KNOW NOTHING ABOUT. IN ADDITION TO THIS, A COMPANY CALLED XXXX XXXX XXXX WAS ON MY CREDIT BACK IN XXXX WITH A COLLECTION COMPANY CALLED XXXX XXXX I GOT THIS ACCOUNT REMOVED IN XXXX. BY XXXX, A NEW COLLECTION COMPANY BY THE NAME OF COMMONWEALTH FINANCE HAS BOUGHT THE ACCOUNT AND IS TRYING TO COLLECT ON AN ACCOUNT THAT NEVER WAS MINE. XXXX XXXX KEEPS SELLING THIS ACCOUNT TO SEVERAL COMPNAIES. THERE ARE SEVERAL COLLECTION ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME SUCH AS : XXXX XXXX, COMMONWEALTH FINANCE XXXX XXXX XXXX
|
| 04/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Just recieved notice from XXXX XXXX that a new collection company, common wealth finacial, put a debt on my credit report for over {$500.00}. I never recieved written notice or any phone calls at my home address even advising me that i had a debt. The dates open say from 1 month ago. I have no knowledge of this debt. I believe this is fraudulent account. Because of this my credit score dropped 7 points. The best part is that it says the account was opened 1 month ago. I want to bust this company for doing this to me. I looked up common wealth financial and they have a reputation for showing up on credit reports. Thank you for you help
|
| 06/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The debt collecting company ( Commonwealth Financial Systems , Inc ) is wanting over {$2000.00} for medical bills for dates XX/XX/XXXX and XX/XX/XXXX for a hospital visit that I didn't even go to! I've tried calling but no one answers, I sent a letter telling them that they have the wrong person and nothing. I've looked at reviews for this company and several people say that they've gotten the wrong person. My credit now shows that I'm in collections for over {$2000.00}, I've been working really hard at getting my credit good and I have paid off everything that I know I owed and I know I do not owe any medical bills for these people.
|
| 12/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a notice from Commonwealth Financial about a Medical Bill. I disputed it in XXXX & they sent a Itemized Bill. That is a Direct HIPPA Violation because it does not bare my Signature. I have sent them my Insurance Card & Policy with XXXX XXXX XXXX XXXX XXXX XXXX, as well as XXXX XXXX being I had Health Insurance with my Employer XXXX XXXX at the time. Be mindful I spoke with XXXX with CWF on XXXX/XXXX/XXXX who stated the Account was Closed & it would be deleted within 30 Days & is now going into 60 Days. Please resolve this issue my next step is to file a Lawsuit. I am keeping track of when you receive this & who I spoke to.
|
| 12/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Original debt to physician apparently was not paid, although I was on a payment plan through the hospital which began in XXXX and paid in full in XXXX.
In XXXX I made an agreement with the first company to purchase the original debt as I was told that the physician was never paid but that the hospital had been paid. I held to my end of the bargain that was offered.
Now, nearly 2 years later, a third party has bought the debt, in the original amount. They threatened to put this on my credit report, which they have, and they will not listen to my story.
I was unemployed and uninsured when I was admitted to the hospital with XXXX.
|
| 07/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Commonwealth financial has changed a collection account number so they can reinsert this to the credit bureaus. XXXX account number was XXXX now it is XXXX, this to me is in violation of the law. They can not prove I owe this debt, please look at complaint case number XXXX, there is no debt validation, and they know this that is why they changed the account number. I will be filing a complaint with the Illinois attorney generals office and seeking legal help to file a class action law suit. I will start a social media page to see if any other cousumers are being treated in this matter. To this day I have not received debt validation.
|
| 01/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This will be the 5th Collection Company that has tried to collect on a debt that is not mine. XXXX XXXX XXXX continues to try and collect on this bill and have yet after 5 attempts from different collection companies.
I call XXXX XXXX XXXX XXXX and they informed me that I don't owe them any money. That all of my accounts were paid in full. They further informed me that they don't sell patients debts to collection companies. The only company they work with is XXXX XXXX XXXX in XXXX, VA. They further informed me to do not pay this as its not owed.
Please Investigate XXXX XXXX XXXX XXXX and Commonwealth Financial Systems for fraud.
|
| 05/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
|
| 10/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Currently I am in the process of buying a new home. So once my credit report was pulled, it was revealed to me that I had XXXX medical bills in my name stemming from XXXX of XXXX. I never went to the Hospital or the Doctor in XXXX. The name of the company is Commonweatlh Financial Systems, located in XXXX, PA. I have requested that they validate this debt, and I have disputed this with the credit bureaus. From my understanding XXXX XXXX sells your information to Commonwealth Financial and they report bogus information to your credit report. I do have XXXX XXXX XXXX cards. So this all makes sense. The amounts are for XXXX, and XXXX.
|
| 05/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
My report is stating that I owe over XXXX dollars to XXXX XXXX XXXX or creditor that I had no knowledge about any account.I feel very threatened that I'm having these things on my credit report and my whole life I never borrowed from anybody or anything.I don't understand what I owe exactly but its identity theft. It may possibly be that my I'd was stolen? And someone must have used it. Can you tell me where the account they say I have is? Or what type of loan maybe? Cause its been a long time since I had even over a XXXX dollars! Some of those names and addresses aren't mine. Do I have a mortgage or vehicle? If so what do I have?
|
| 12/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
On XX/XX/2020 Comnwlth Fin added a derogatory mark on my credit report per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA Comnwlth Fin has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
|
| 11/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt was disputed thru my insurance company and they recieved no response.I have had XXXX XXXX XXXX since XXXX.I submitted all crudentials at time of emergency room visit.This debt is 6 yrs old and has expired the time they can legally collct.I also disputed this thru XXXX and recieved a email that the account was closed and would be deleted from my credit report.I never recieved any notification whatsoever in 6 yrs concerning any issues wXXXX having a problem w.payment.My insurance company never recieved any notification in referrence to this bill.I only became aware when contacted by commonwealth debt collection services.
|
| 01/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
I did a dispute on XX/XX/XXXX for a {$1300.00} and {$290.00} bill with XXXX XXXX for having health insurance on XX/XX/XXXX well I guess the insurance won't pay. So therefore I have a bill of {$1400.00} they already have it for {$1300.00} XX/XX/XXXX, {$290.00} on XX/XX/XXXX for XXXX, on XX/XX/XXXX comnwlth Fin put a {$1400.00} collection on my credit making it go down 28 points so I have the same bill twice but the new one from XX/XX/XXXX shouldn't be allowed to have a bill that is already on my credit just making it show up 2. So I need the {$1400.00} removed cuz it's something that is been on for 6 years almost. Thanks XXXX XXXX
|
| 03/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I was alerted by XXXX that a collection was placed on my credit report by a company COMMONWEALTH FINANCIAL SYSTEMS. I have no knowledge of this company nor was i EVER contacted about any debt owed. I have not been contacted via phone, mail, or email so I assumed this was a mistake. I don't understand how anyone can placed ANYTHING on your credit without giving you an opportunity to acknowledge it, address it, fight, or dispute it. I don't know if that is even legal to do but I know its not right to do.This is not fair for any company to place for what I know FALSE information on my credit file without my knowledge.
|
| 03/25/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Getting daily calls on my wireless phone that do not announce who is calling from XXXX. If I follow the voice prompts for English I get a dead line with no response. I called the number and got Commonwealth Financial Services. I am not aware of any outstanding debt or previous debts that were sent to a collection agency. This appears to be an attempt to get me to pay them so they will stop calling me? I requested that they stop calling me. If this is a legitimate debt I see no reason they should not contact me by mail with the details. I have not received any notices of unpaid debts or of any action by a debt collection company.
|
| 10/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
the company commonwealth financial has placed a {$510.00} debt onto my credit report from a medical bill that was originated in XX/XX/2014and was paid in XX/XX/2014when I called his company they refused to give me their physical address they refused to tell me what they were collecting on and then they just discclosed they were collecting on a medical bill before getting my full name and then give me the mini Miranda they refused to provide me with a letter stating that I owe the stat the original daughter or anything like that so I know that many laws have been broken here. They didnt even know my full name and they disclosed
|
| 12/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company has repeatedly sent me letters trying to collect a medical debt that is not mine in the amount of {$1200.00} on XXXX XXXX for a person named XXXX XXXX who resides at XXXX XXXX XXXX , XXXX , Texas XXXX. His birthday XX/XX/XXXX.
His phone number is XXXX.
This is not me. I have tried to explain to this to the person on the phone with the debt collector agency ( Commonwealth Financial systems ). He was a completely unprofessional and not willing to help me at all. They have even reported it to XXXX. I have excellent credit and this has lowered my credit score. Please help. Not sure what else to do.
Warm regards, XXXX
|
| 05/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This creditor has called repeatedly, from approximately XX/XX/XXXX to XX/XX/XXXX, using a local number, XXXX, to harass myself and my family for a debt of which I have no knowledge, and/or for which is over 10 years old. The last call I received was by an elderly woman who informed me that this matter would be sent to court for collection.
COMMONWEALTH FINANCIAL SYSTEMS Creditor Information XXXX XXXX XXXX, XXXX XXXX, PA XXXX Account Number XXXX Collection Date Opened XX/XX/XXXX Collection account. {$640.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX {$640.00} Original Balance
|
| 01/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX I sent a letter disputing the erroneous account with the creditor COMNWLTH FIN for the amount {$110.00} stating that the information that they are reporting on my credit report does not belong to me.I 've requested that they send me the information to validate this debt each time I've requested the information I never received it.
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.
|
| 09/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021 I discovered an unknown third-party " medical '' collection account being reported on my credit reports by Commonwealth Financial Systems . Inc. I immediately notified Commonwealth that I disputed this collection account and demanded that they validate and verify this account. Additionally, I demanded they immediately stop reporting this disputed third-party debt.
On XX/XX/2021 Commonwealth once again reported this disputed third-party debt in violation of FDCPA.
On XX/XX/2021 I've provided written notice of my intent to file a small claims lawsuit against Commonwealth pursuant to my rights under the FDCPA.
|
| 11/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I requested validation of two accounts that appeared on my credit report from Commonwealth Financial Systems. In my letter I specifically requested VALIDATION. In response they sent me two separate supposedly itemized statements in which looked liked something they created. There was no documentation provided that actually verified that I visited and received services from the alleged medical provider.It is my understanding that no entity has the right to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and or any non compliant allegations.
|
| 12/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX I went to hospital and was never notified by said hospital that my insurance was not accepted.
The hospital hired a collection agency to collect the debt and the collection agency has continued to harass me through phone calls and reporting me to the credit bureau to the point of reporting me 3xs for the same debt. When I look at my credit report this past year XX/XX/XXXX I have noticed that I get penalized for the same medical debt 3xs like they are separate but are only one debt. This has continued to damage my credit though I usually have great credit despite this one medical bill and my current student loan.
|
| 04/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I reached out to Commonwealth via letter on XXXX XXXX asking them to validate the reason this was entered on my credit report without contacting me and providing information validating that the debt belongs to me. They sent a statement from XXXX with my name for a patient name of XXXX XXXX, which isn't me and who I am not a personal guarantor for. I then reached out to them via phone on XX/XX/XXXX and told them they have illegally placed this on my credit report in which has caused me to be denied credit. I would like this removed from my credit report and mailed to me an updated credit report and a check for {$1000.00}.
|
| 07/18/2021 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts
|
| 07/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The problem is that there is an account that shows on my credit bureau for an account that was paid off by the hospital by charity care that I received at the emergency room. I have no idea how this account even went to collections status as it was paid off in full. I even sent a copy of the letter that I got from XXXX XXXX to show the creditor that the bill was paid in full by the hospital. This issue should have never went to this level as the account is showing negatively on my credit bureau despite sending the proof that I got from the hospital to certify that this issue should have been resolved before collections.
|
| 08/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The CFS ( Commonwealth Financial Systems ) agency called me twice ( once on XX/XX/XXXX, once on XX/XX/XXXX ), reminding me to pay debts that I do not owe. I do not have any loans of any kind. I only have one credit card tied to my parents for emergencies, and I know for certain that they are extremely responsible with their credit card debt. This agency, though legitimate, is calling me for debts that I do not owe. I have no debts to owe, nor have I ever had debts to owe, nor do I plan on making financial decisions in the near future that would lead to me gaining any debts.
CFS is known to be quite phishy. I see why.
|
| 02/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently reviewed my credit bureau and have a debt being reported by Commonwealth Financial for {$130.00} that shows as medical debt. I had insurance for XX/XX/2018 that was supposed to pay more on this debt.
I never received a letter regarding this debt and when I went to the organization 's website they do not give an address. They only provide a phone number which I think violations the FDCPA because there is no way to send a dispute into them as they do not list their mailing address.
As I do not owe this debt, it should be deleted from my credit bureau. I am consulting with an attorney regarding this matter.
|
| 07/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a followup complaint to CFPB Complaint ID # XXXX. Commonwealth Financial Systems, Inc sent documentation in response to that complaint which proves that I am not the person they are pursuing with the debts which they reported to my credit.
1 ) I have never resided at the address that they have listed for " XXXX XXXX '', which per the attached documentation is XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) I have no associates or dependents or family members named " XXXX XXXX '' or " XXXX XXXX. '' 3 ) No members of my family or myself took ambulances on XX/XX/2014.
Therefore, I am not the person who owes this debt.
|
| 05/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Commonwealth Financial Services has contacted me for a debt that I don't owe at all. It's for a certain person named XXXX XXXX. This agency has even reported this to my credit report which impacted my credit score so badly.
I called and explained to them that this is a mistaken identity but they still persist. I called the original creditor but they ignore my request to have my name be cleared. I wrote them twice about this but this agency still insists that I owe this debt even if i have a different last name and have never lived on the address they have on file and never received any medical services in that area.
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| 02/20/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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1 ) Account Info Creditor : Commonwealth Financial Original Creditor : XXXX XXXX XXXX, XXXX Account number : XXXX Collection opened : XX/XX/2019 Account type : Collection Department XXXX Agency / Attorney Balance Loan Amount {$650.00} {$650.00} Payment Info Original loan amount : {$650.00} Balance : {$650.00} Updated on XX/XX/2019 Contact : XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Creditor : Unknown Collection Opened : Unknown Account type : Collection Department / Agency / Attorney Balance Loan Amount : {$26.00} Payment Info Original Loan Amount {$25.00} Balance : {$26.00} Updated on : Unknown Contact : Unknown
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| 04/04/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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XX/XX/2021 XXXX XXXX collection agency reported ) A derogatory mark on my credit report per XXXX Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.
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| 01/26/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My second complaint is for CommonWealth Financial, who has a medical collection on my credit report for {$110.00} at XXXX XXXX XXXX XXXX from XX/XX/XXXX. Ive had a primary doctor since around XXXX of XXXX, theres no reason at all for me to go to the ER. I have no idea how or whos going to these places using my information. But the debt is not mine and should be remove from my reports, all 3 credit bureaus. Ive disputed this account with XXXX which the company agreed to delete the inaccurate fraudulent unverifiable collection. Yet the company continues to report to XXXX & XXXX while knowing the debt is not mine.
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| 11/13/2018 |
Yes |
- Debt collection
- Medical debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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The debt collector supposedly hire another debt collector ( XXXX XXXX XXXX ) to serve a legal document. They have called my employment and told the receptionist my information and file number and wanted to know if they can serve at my place of work. I was very clear for them not to call me at my place at employment. They requested to talk to my supervisor which she took the call and she told them that is illegally to harass me at my place of employment. Collector was very aggressive towards me and when she spoke with my supervisor. I told them that I knew my rights but that is not stopping them to call me at work.
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| 12/05/2015 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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This company is reporting this debt to transunion with an opened date of XXXX. this account supposedly went delinquent in XX/XX/XXXX. Northeast credit collections was also reporting this debt to XXXX with a date of XXXX. they are reporting an old debt that should have been taken care of by insurance, and also reporting this as being opened XXXX which is totally incorrect. they are reporting this debt as it 's three years old when in fact it 's been 7 years as the debt was obtained in XX/XX/XXXX. they are reporting false information to the credit bureau in order to damage my credit and make it seem like a new debt.
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| 10/30/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
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I am filing this complaint on behalf of my XXXX year old mom who lives alone and has XXXX. She continues to receive approximately 3 calls per day from phone number XXXX. When she answers the phone, they hang-up on her. I googled the phone number and found it to be associated with Commonwealth Financial, a debt collection agency. My mom has no debt and has always paid her bills in full and on-time. I tried contacting Commonwealth via the above phone number, but all I get is an automated message. If I select the option to speak to a live person, I automatically get hung-up on. I tried that several times to no avail.
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| 03/06/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Hello, There were 2 items on my credit report that were not mine and I disputed them. XXXX/XXXX/XXXX removed them. I now went back and noticed them reinserted on my reports under a new collection company " Commenwealth Financial SYstems ''. It was previously " XXXX XXXX ''. I was not informed by the agencies or by this new collection company who adjsuted the dates to make it look current as well. I ask for these 2 items to removed ASAP and I have not heard a word. They have not even verified if it was true information as we know it is not mine. Please help I am at the end of my rope dealing with these companies.
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| 01/22/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX XXXX XXXX ( XXXX ) has repeated harassed me in an attempt to collect this unproven debt with the above multiple collection agencies beginning around XXXX and most recently in XXXX repeatedly sharing my medical, persona, SSN and contact information. In all cases, the debt claim has shown up on my credit bureau reports and scores damaging my credit possibly increasing my payment or interest rates on financial transactions. I contacted XXXX several times and they have failed to respond to my concerns. I have not been contacted by the the debt collection agencies. The debt has just appeared on my credit report.
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| 05/09/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have asked Commonwealth Financial to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
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| 06/18/2017 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American |
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Received a letter from this company XXXX XXXX claiming I owed mon ey on a 4 year old hospital visit {$660.00}. At the time I had XXXX and a supplement, at the same time they filed as a collection account with the XXXX major credit reporting agencies in order to wreck my credit and force me to pay. In the letter I was given 30 days to notify them if I disputed the validity of the debt, however they notified this as a collection account immediately to the agencies. I have called them twice and can get no answers, these are sleazy scammers. If you note in the letter they cant even spell my name correctly.
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| 02/29/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a notice on XXXX XXXX that I had a collection for a bill dated XXXX XXXX, XXXX I think, when I called the Hospital to as about this alleged billed the Hospital denied knowing anything about any bill in my name since I have never been there. I have lived in another Country since XXXX and only return to america once a year.I had disputed the same bill from a different collector a few weeks before which was proved false now a new company is trying the same thing and affecting my credit.Each year this same amount ( {$220.00} ) seems to appear over and over again. Please resolve this issue it is a fraud.
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| 02/12/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I notice a debt collection on my credit report for some kind of medical service and I haven't received any mail from the original creditor, first of all I haven't go to the doctor in over 6 months the account has been opened recently and the service provider is located in a different state since I couldn't find one with that name near me, I call the creditor twice first time no one answered, my second attempt finally spoke with someone about it and I requested a verification letter and name address and state license number but they couldn't provide me with one at the time, there having me call at a later time,
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| 08/11/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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My name is XXXX XXXX. My credit report states I have a charge of {$420.00} from Commonwealth Financial system. ( CFSI Acct # : XXXX ). On XXXX/XXXX/2015 I contacted them. I called XXXX XXXX XXXX ext XXXX. They could n't figure out where this charge came from. They said to contact XXXX XXXX XXXX at XXXX. They could n't figure out where the charge came either. They even searched my social security. They asked me to try Integrity at XXXX to see if they can help.
Nobody can find it. Can you help me figure out how to get this removed from my credit report. Thank you for taking the time to help me figure this out.
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| 05/01/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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this company has 3 different accounts open with name from the same company opened in my credit history from XX/XX/2013. These debts had been taken care of by medicaid at the time. i tried calling and emailing them to try to fix the issue however they do not reply to my emails, even if i try to settle for a lower price they simply do not answer. It has been a nonstop battle with these people.
they say i allegedly owe them the three different accounts are {$680.00}, {$680.00} and one for {$960.00}.
I dont know what to do, i want to remove this from my credit report however they are impossible to deal with.
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| 11/24/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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I received notification from one of my credit monitoring services that I had a collection account add to my credit profile by CommonWealth Financial. I contacted them to ask why would they place a collection on my credit profile without contacting me to see if the debt belongs to me. The representative advised that they just purchased the debt and have not had a chance to mail anything to me. I asked him why would you place the collection on my credit profile without following the proper procedures as required by the XXXX and the act overseeing how collection agencies operate. He could not give me an answer.
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| 03/27/2015 |
Yes |
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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I called commonwealth financial at XXXX CST on XXXX/XXXX/2015 The agent said thank you for calling commonwealth asked me how I was, I responded I was blessed could n't complain. I then proceeded to advised i had paid the balance of XXXX through the automated system and that I was requesting my release. The rep proceeded to say you balance is XXXX dollars to combat me, without verifying my identity or giving me the mini miranda, both against the fdcpa standard. When I advised the rep of this the rep hung up in my face. I called and requested a manager so that I could advised I would be reporting the incident.
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| 05/01/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I went to XXXX XXXX ER on XXXX/XXXX/XXXX, I paid my co-pay during the visit.
XXXX XXXX XXXX XXXX tried to use/bill incorrect insurance information ( XXXX XXXX XXXX ), when I 've had XXXX XXXX XXXX XXXX of Texas insurance since XXXX of XXXX.
XXXX sold/contacted CommonWealth Financial Systems, they submitted my debt/account to collections on my credit report in XXXX of XXXX.
I contacted CommonWealth stating I had insurance, they worked with XXXX to resubmit a claim to XXXX of Texas.
XXXX of Texas denied their claim stating the submission was XXXX months past service date, and I was liable for {$0.00}.
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| 06/16/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Credit Bureau Association does not have any documentation, they need to retract this from my credit file immediately
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| 04/30/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have not checked my credit in over 6 months and when I get back on look at it, I see a {$1500.00} accountant is now in collections. It looks like some type of medical bill but I havent been to any hospitals in the year 2022. This has to be some type of identity theft so I disputed it on XXXX and it came back Verified and Updated nothing really changed except it changed some dates on missed payments.
This is very heartbreaking because I have a maintained a flawless payment history with anything that I utilized my credit with and now I cant get a loan to buy the house I have always wanted for my mother.
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| 11/16/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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in XX/XX/XXXX. 2015, began trying to rebuild my credit. so, I paid off XXXX of the XXXX delinquencies on my credit report. These XXXX delinquencies were medical bills owed to the emergency room at the XXXX hospital XXXX. XXXX for XXXX $ and XXXX for XXXX XXXX the debts were paid to XXXX. on XXXX XXXX, 2015. Since I paid these debts, they have been sold to XXXX different companies and shown back up on my report. I have not been able to raise my credit due to these reoccurring unowed charges. please remove this from my credit and make it impossible for this crooked company to sell the debt to someone else.
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| 03/29/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX.
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Commonwealth Financial does not have any documentation, they need to retract this from my credit file immediately.
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| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
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| 09/17/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This debt is not mine. It has appeared on my credit report XXXX different times over the last 5 years, each by a different company. Each time I disputed the debt in the past it has been removed from my credit report. This time however, Commonwealth Financial/North East Credit and Collection inexplicably and inaccurately verified this debt as valid. Additionally, they have re-aged the account to make it appear that it was a new collection as of XXXX, 2015.
I sent a debt validation letter XXXX on XXXX XXXX, 2015 with no response. I am attaching the XXXX letter and Certified Mail XXXX card. PLEASE HELP!
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| 02/25/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
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| 11/10/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A medical collection was placed on my credit reports by XXXX XXXX XXXX. The medical account was fraudulent and was removed on XX/XX/2018 in the amount of XXXX. The original creditor was XXXX XXXX XXXX.
I received an alert stating a collection was placed on my credit file. A company called XXXX XXXX has placed the same collection on my credit reports. I have never heard of this company nor did the company give me any notice or right to dispute, had they did what they are required to do according to the XXXX they would have known that this is a fraudulent account. What XXXX XXXX is doing is illegal!!
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| 05/27/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was checking my credit through XXXX XXXX and had to accounts pop up that are not mine. It was Common wealth financial systems. The original creditor on this bogus or fraudulent account is XXXX XXXX XXXX . I have no information on this account .Have not used there services. Have no idea how they got my information. This is not my debt. There where 2 accounts one was for XXXX dollars and the other was for XXXX dollars. I 've sent direct disputes on XXXX and XXXX . I 've tried to call common wealth financial systems with no luck it 's always automated and always keeps you on hold.
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| 07/19/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have asked Commonwealth Financial to validate a collection they are reporting on my credit reports on XXXX, XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
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| 10/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I left the emergency room in early XXXX. I had some small financial limitations .that was nearly XXXX years ago. the FCRA provides every XXXX with the opportunity to rebuild their credit. COMMONWEALTH FINANCE is violating FCRA law by inaccurate reporting. while one item is allowed on credit for up to 7 years, the FCRA prohibits false reporting of time lines. COMMONWEALTH FINANCE put on my credit that I defaulted in XXXX a full 4 years after I actually left the emergency room. I have the right to rebuild my credit, and would like the CFPB to hold COMMONWEALTH FINANCE accountable for violating the law.
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| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
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| 07/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a debt validation letter from Commonwealth Financial for services rendered at a hospital I have never been to before. I called the hospital and spoke to their billing department about this and was told to direct this communication directly to the debt collector. This is my official notice to Commonwealth Financial that the debt they are attempting to collect from me is not mine. I did not sign authorizations at this hospital and have now confirmed this with the hospital. There are two other XXXX XXXX 's ( that I know of ) in the XXXX XXXX area. I believe this debt belongs to one of them.
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| 03/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I recieved bills from a collection agency onXX/XX/2018. I called them and tried to figure out where these bills were coming from they refused to tell me over the phone. A week later i found out that they are not licensed in the state of tennessee to collect the debt. And i habe also requested validation of the debt. I have not heard from them. I just want to see why and how they can collect a debt in a state that they are not licensed in when they have to be licensed and bonded in the state of TN according to TN CODE - TFDCPA 62-20-101 and 105 thru 127. The company is commonwealth financial systems.
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| 03/06/2016 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Company did not give me the opportunity to dispute the debt they hold in my name. They placed the debt on my credit report 14 days after I received thier letter. I wrote them and told them I will be dealing only with the original creditor and that they need not contact me anymore unless they are taking legal action. I sent the letter certified and will provide the information if needed. I also said I dispute the amount and that was why I will only deal with the original creditor, which is my right, by law as I do not have a contract with Northeast, I also do not have one with the original creditor.
|
| 06/23/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I have sent debt validation letters to the following companies XXXX XXXX XXXX XXXX ( XX/XX/2021 ), XXXX XXXX XXXX, XXXX ( XX/XX/2021 ), Commonwealth Financial System ( XX/XX/2021 ), and XXXX XXXX XXXX ( XX/XX/2021 ).
XXXX : Has not provided proper validation of the debt owing to me XXXX : has not responded Commonwealth : has not responded XXXX : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.
|
| 06/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I obtained my yearly free credit reports from all 3 credit bureaus and noticed Commonwealth Financial listed. I disputed them and had them removed but they have since reported yet again and used a new date to prolong the report on my file. I have no knowledge of this debt and have never received correspondence from them in the mail regarding this debt. Each time they report the debt to the agency my score goes down. They were removed recently in XX/XX/2019 from XXXX and immediately reported to XXXX directly after being removed from XXXX. They need to be immediately investigated for their practices
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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On XX/XX/XXXX commonwealth financial reported moving a negative to collection. And again reported moving the same negative to collection on XX/XX/XXXX. So this company moved a negative to collection twice to damage my credit. The problem is XXXX XXXX is already in collection on my credit for this account. Commonwealth is reporting fraud accounts on people 's credit. The medical bill is already in my account as collection but Commonwealth is trying to bill me twice. See attachment.
Collection Agency COMMONWEALTH FINANCIAL Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA Zip XXXX
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| 08/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I was not contacted by Commonwealth Finance on debts trying to collect. I just saw 7 different ones from the same company on my credit report. The following are the amounts {$560.00} {$840.00} {$840.00} {$520.00} {$1800.00} {$520.00} {$780.00} They are also all from the same original creditor : XXXX XXXX XXXX XXXX XXXX XXXX.
There are no original dates of services. So I do not know exactly what they are trying to collect on. I have NO idea what these charges are. But they are destroying my credit. Please any imformation to help me straiten this out is greatly appreciated. Thank you in advance.
|
| 09/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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CommonWealth Financial, is attempting to collect a debt that I have asked for verification for and they have not supplied. They are stating via telephone that this debt is from 2012, and they are just now placing it on my credit report. I notified them that I am unaware of this debt, and In the state of New York anything placed on a persons credit report after 6 years is invalid because it's past the statue of limitations. I also looked up CommonWealth 's license to collect in the state of Florida, which is where I reside, and there license to collect in this state has been revoked. Please help.
|
| 05/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I recieved a letter regarding this debt and then I responded that I am unaware of this debt nor is this debt mine. I then recieved a credit report with once again my score lowed. This debt as I explained to this company is not mine, I have never been to this place and I live in another town/county as they are saying this debt is owed, I never even recieved a bill regarding this debt if I did owe it, I recieved a letter and I replied and then few weeks later it is added to my credit report. Again, this debt is not mine and they need to verify accuracy and name before sending owed bills to myself.
|
| 10/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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After seeing a report on XXXX credit bureaus, I contacted Common Wealth Finance XX/XX/2018, I have requested three times since then for debt validation from Common Wealth Finance. They say each time that they have mailed by usps validation of my debt. They say they also emailed to my acct. XXXX validation of dept. I have never receive anything. I believe I do not owe these debts. Two for {$100.00} and one for {$130.00}. I sent them a certified letter asking for validation of debts. They did not contact me by phone, email, or mail. instead they added the debts to another reporting agency, XXXX.
|
| 01/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
HERE WE GO AGAIN.
THIS COLLECTION SINCE XX/XX/XXXX POPPED UP ON MY CREDIT REPORT AND MY ATTORNEY AND MYSELF FILED A COMPLAINT BACK IN XX/XX/XXXX AND HAD THEM REMOVED. NOW IT SEEMS NEW DEBT REPT : TOOK IT OVER>>> AGAIN THIS IS NOT MINE AND I HAVE NEVER VISIT XXXX XXXX XXXX IN MY LIFE!!!!!!!!
WE WILL BE FILING A COMPLAINT WITH XXXX AND FTCC AS WELL WE WILL BE REQUESTING PROPER IDENTIFICATION AND DOCS TO WHOM THIS DEBT BELONGS TO AGAIN ALONG WITH A LAWSUIT.
COMMONWEALTH FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} {$690.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
|
| 01/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Today, XXXX/XXXX/XXXX, I received notification through my credit monitoring company that Commonwealth financial listed a collection report for XXXX. I have never heard of this company before ( nor have I ever heard from them regarding debt ), and they do not list what the debt is for. However, after further investigation, I noticed that this collection agency is not licensed in the state of Florida to attempt to collect debt. This must be removed from my credit report immediately.
Collection Agency COMMONWEALTH FINANCIAL Address XXXX XXXX XXXX, XXXX XXXX, PA Business Type Collection Services
|
| 10/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
A account was opened with COMMONWEALTH FINANCI I HAVE NEVER EVER BEEN IN CONTACT OR DONE BUSINESS WITH THIS COMPANY OR ANY OF ITS AFFILIATES. I HAVE NEVER AGREED OR MADE ANY FINANCIAL AGREEMENT TO RECEIVE ANY SERVICES OR PRODUCTS FROM THIS COMPANY. MY INFORMATION HAS BEEN COMPROMISED. I EXPLAINED THIS TO THIS COMPANY AND THEY REFUSE TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I AM BEING NEGATIVELY IMPACTED BY THIS COMPANIES FRAUD. THEY HAVE NOT PROVIDED ANY DOCUMENTATION TO SUPPORT THE CLAIMS ON MY ACCOUNT. THEY HAVE NO SIGNITURES OF ANY AGREEMENT FROM ME. THANK YOU FOR YOUR TIME.
|
| 11/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I had a medical bill from XXXX. I received a few bills from them but then they stopped - i figured my insurance accepted the bill. I have not received any bill since XXXX and I've never rec 'd a bill from commonwealth financial before. I found out it went to collections when it showed up on my credit. After I disputed with credit company they sent me a bill. How can you go 5 years not reporting to credit company for a debt and then report it to credit with no new bill. Ive been at the same address for going on 2 years now. Nothing from them until today XX/XX/XXXX. The debt is from XX/XX/XXXX
|
| 04/06/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
This company calls our home XXXX times per day. The calls are rude, harassing and threatening! We have explained to them, we are XXXX citizens. We have no debt. We have no credits or anything. The only thing we pay each month is out electric, telephone, cable.We have called the number back, and asked for a manager. We spoke to a XXXX XXXX. She was extremely rude and nasty.
This is the company : Commonwealth Financial Systems , Inc .
XXXX XXXX XXXX.
XXXX XXXX, PA XXXX : XXXX : XXXX are XXXX citizens. We do not deserve to be treated with such harassment and disrespect.
Email : XXXXXXXXXXXX
|
| 07/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received a letter from the company ( commonwealth financial systems ) on XX/XX/XXXX ( letter dated XX/XX/XXXX ). Sent company a letter requesting validation of original debt and got no reply. When checking my credit score, I noticed the company reported the debt so I called to ask why it was reported though I never received any followup information. Was told the letter was sent but it was most likely the same as original letter ( again never received any followup, letter or otherwise ). Now I am being told that an itemized list will be sent however the debt will still be on my credit score.
|
| 07/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this account multiple times within the last year with Commonwealth Finance in regards to this account not being mines and needing to be taken off of all consumer reports. I NEVER have been to the client whom they are trying to bill for, which is XXXX XXXX XXXX, ever in my entire life. This is a false account and demand it to be taken off of my report. The collection agency claims to have taken if off my reports XXXX/2017, but it still has yet to be removed and it 's XXXX XXXX, 2017. I have attached proof from my complaint with the BBB that the agency is to have this removed.
|
| 02/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX, I checked my credit report and noticed a new debt added to my account for {$960.00} from Commonwealth Finance. First they never notified me of the debt of their intent to collect on the alledged debt. Secondly, Section 392.101 of the Texas Finance Code prohibits a 3rd party debt collector or credit bureau from engaging in debt collection in Texas unless the 3rd party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Their bond is expired as XX/XX/XXXX. Please delete this debt off my credit file.
|
| 02/24/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I received an alert from XXXX that an change was made to my credit report. I then determine the change was the reporting of a {$1400.00} medical collection debt from Common Wealth Financial Systems. I have received no prior correspondence from Common Wealth prior to negatively impacting my credit. I then contacted them via phone and was informed that it was for a 2012 XXXX bill for my daughter. I informed that Collections agent that I was not aware of any charges due from 2012. How is it legal for the Collections agency to impact my credit without me receiving a notice of right to dispute?
|
| 12/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This account was already disputed and removed from my report at an earlier date. It was a mistake from the insurance company and the medical provider would not correct or remove the debt. It was sent to a collection agency and they removed the debt. It seems as if it was sold to a different collection agency and put back on. I was never contacted about this once. Nothing in the mail, no phone calls, nothing. And now my credit report has been reduced by XXXX points and Ive worked so hard to get it there. This medical debt is at least XXXX years old and was dealt with years ago. Ridiculous.
|
| 02/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have recently filed disputes against common wealth financial due to incorrectly reporting accounts to all 3 credit bureaus. In doing so, common wealth has deleted the accounts then posted these accounts as if they were recent hospital Bill 's, basically re-aging these medical accounts fraudulently. I have received notifications twice in 23 months that this company has been found to have incorrect data and be deleted only to hit my credit months later looking like a new debt and hurting my credit score and reports immediately and causing me to look irresponsible to other cerditors.
|
| 01/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I discovered several medical debts on my credit report in XXXX, XXXX. I submitted an identity theft report to all credit bureaus. This fraudulent debt from XXXX XXXX was placed with debt collector named XXXX and was removed. In XXXX of XXXX, a debt collector called Commonwealth Financial placed the debt in my credit report without notice or an opportunity to dispute the debt in violation of the FDCPA and FCRA. On XX/XX/XXXX after receiving notice of my identity theft report the debt collector, Commonwealth Financial unlawfully verified the debt. The debt is fraudulent and not mine.
|
| 08/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XXXX XXXX XXXX is trying to collect {$440.00} for a physicians bill I am not responsible for. The bill is dated XX/XX/XXXX. XXXX account number is XXXX. This is the same item that I disputed and filed a complaint in XX/XX/XXXX Re : CFSB Complaint # XXXX ... Commonwealth Financial Systems. I sent an email to XXXX XXXX on XX/XX/XXXX outining my dispute and followed up with a phone call today XX/XX/XXXX with an employee named XXXX. I repeated my position with her. She then tried to offer me a discount, I repeated I was not responsible for this bill and that was the extent of the call.
|
| 01/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). is a inaccurate account on my credit file and is not mine.
|
| 06/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Called and offered a personal loan. After " verifying the missing information, they asked for my XXXX XXXX XXXX user info.I did not give it to them.
Voice Mail I responded to : Hey hello daya this is XXXX XXXX calling you from Commonwealth Bank and actually this phone call was regarding about your loan app work. You have been preapproved by my bank to get up to {$5000.00} plus loan. Okay so if you're looking for a loan in the market right now so please call me back as soon as possible. Okay and you can call back me at XXXX. I repeat again XXXX. Thank you. You have a blessed day.
|
| 12/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Received a notice from the aforementioned that I owed a debt to a company that I have never done any business with. They claim that they purchased the account from another entity and the original creditor was XXXX XXXX. As I mentioned, I have never done any business with XXXX XXXX, so I disputed the debt and sent to the address provided ( see attached scanned copy ).
I XXXX the company ( Commonwealth Financial Systems ) and the results showed a huge number of complaints for this company where they have been fraudulently billing people with adverse impact to their credit ratings.
|
| 05/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
It is not my debt. It was addressed to the same name but the wrong middle initial and the wrong address I was sent numerous letters. Upon receipt of each I called the company and denied debt and pointed out the errors. They promised to do so but have persisted in collection efforts On the last call I additionally pointed out that the debt according to the information in their letter was incurred in 2014 and was now past the Nevada Statue of Limitations.
I believe that these repeated efforts to collect a disclaimed debt are an attempt to browbeat me into paying " go away '' money
|
| 04/11/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have been contacted multiple times by a collection agency that goes by Commonwealth Financial. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.
|
| 06/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Financial Services violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX XXXX, and XXXX The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Commonwealth Financial Services does not have any documentation, they need to retract this from my credit file immediately
|
| 08/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have asked for a copy of the instrument with my signature that indicates that owe the amount they say. I have sent my request via certified mail, disputed with the BBB and filed a complaint with the company 's state attorney generals office and the credit reporting agency. All of them have done nothing to resolve this daragtory information being reported on my reports. The only thing that has been given a very questionable statement that looks like it was cut and pasted together and has information from some other personal. This is not my debt and I have know knowledge of it.
|
| 05/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was checking my credit through XXXX XXXX and had to accounts pop up that are not mine. It was Common wealth financial systems. The original creditor on this bogus or fraudulent account is XXXX XXXX XXXX. I have no information on this account .Have not used there services. Have no idea how they got my information. This is not my debt. There where 2 accounts one was for XXXX dollars and the other was for XXXX dollars. I 've sent direct disputes on XXXX and XXXX. I 've tried to call common wealth financial systems with no luck it 's always automated and always keeps you on hold.
|
| 05/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company Commonwealth Financial ; XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX has listed six collections in the amount of : {$92.00} ; {$270.00} ; {$470.00} ; {$210.00} ; {$210.00} ; {$210.00} on my credit report. Please be advised that I am disputing these collections due to the fact that Commonwealth Financial does not currently have a valid license in Florida to collect on debts. This is information, according to the Florida Office of Financial Regulation ; XXXX XXXX XXXX XXXX , XXXX , FL XXXX . It states that their license is " REVOKED/VOIDED.
|
| 05/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection company has recently placed a collection on my credit report. They sent me an itemized list of my minor childs medical procedures from 6 1/2 years ago stating that money was owed on a medical debt. The letter did not include a HIPPA release form nor was authorization given to share my childs medical records. This is a clear violation of HIPPA laws because they did not produce a HIPAA release form so how did they receive my minor childs health records??? My HIPAA rights were violated and I demand the deletion of this debt immediately or I will take legal action.
|
| 05/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Financial showed up on my credit report as a delinquent debt owed. Called the company and the only way they can look up the information is with either your account number or SSN. Since you don't own the account there is no way to know this so you are forced to give them your SSN. They hung up twice on me and said they will file a dispute claim but this should have never happened in the first place because the debt is not mine! I spoke with XXXX XXXX at Commonwealth Financial and he informed me the debt was from XXXX XXXX hospital in MI ... I have never been there.
|
| 09/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent debt validation notice and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
however, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
|
| 09/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Some company has that I have not conducted business with has reported a debt on my credit report. The credit reporting agencies said they only ask the reporter if information is accurate. They do not require any proof of debt. How can a company say you owe a debt without proof? Moreover, the agency is asking ME to provide documentation showing I do not owe a debt from a company I have never heard of. Basically the agencies are not investigating at all. Why should consumers have to spend money hiring attorneys to prove our innocence? This process is abusive to consumers.
|
| 10/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Calling from different phones numbers to my cell phone and claiming to be calling from a law office. They called from phone numbers XXXX and XXXX ; they never advised on what debt they were collecting, they did not answer me when I asked who they are collecting for, they did not give a dollar amount. Theyre rude and hung up when I asked for documentation. They then called back and advised they are freezing my bank accounts, and seizing my income and properties before court and I will be served for court. & Again they hung up when I advised them to stop calling my phone.
|
| 05/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have requested a copy of the contract bearing my signature with COMMONWEALTH FINANCIAL SYSTEMS ( CFS ) onXX/XX/XXXX, via Certified Mail, CFS received it on XX/XX/XXXX. It has been over 31 Days and still no response from CFS. Again i request a copy of the contract bearing my signature with CFS. There are no notice of disputes on my recently pulled credit report with CFS they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
|
| 12/07/2016 |
Yes |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
XXXX contacted my wife for an alledged medical bill. The person that called her name is XXXX, the numbers have I have for them are XXXX, XXXX and XXXX ext XXXX and said we could request to speak with the attorney whose name is XXXX. The company did not identify any location, but threatened legal action that they would collect my wife 's XXXX and collect any taxes that she may be receiving during tax time. The debt they are trying to collect is from 2009. They said that they have already forwarded it and that she will be served papers. Should n't she already have papers?
|
| 06/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Today, XX/XX/20, I received a letter from Commonwealth Financial Systems , Inc. stating that they are collecting on a {$250.00} medical bill from XXXX XXXX XXXX XXXX XXXX ; a hospital that i have never been to and have never even lived near. Upon researching the company, Commonwealth Financial Systems, I found that they have a long track history of opening false credit accounts or reopening settled debts and ruining peoples credit. I have always had medical insurance and paid my deductibles, this letter is absolutely an attempt to get money from me with a scare tactic.
|
| 02/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I discovered that there were two collection accounts reporting on my credit reports that did not belong to me. I was never notified about the accounts prior to the accounts reporting. I have filed a complaint against the collection agency and their response was that they would remove the accounts. The accounts were never removed from my credit reports and is still reporting to this day. The accounts do not belong to me and is the product of identity theft. It is very dishonest for the company to say that they were going to remove the accounts and not have them removed.
|
| 02/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On or about XX/XX/2018 Commonwealth Financial reported a new collection account on my XXXX and XXXX credit reports. Said accounts are posted as new and less than 30 days late payment. I am not responsible for this debt and have no knowledge of how this debt is associated with me. I have not incurred ANY type of medical debt that would be legally reportable or collectable. This account they have listed as account number XXXX is a violation of the FCRA and the FDCPA. I have never dealt with Commonwealth Financial and have no legal binding contract or agreement with them.
|
| 01/13/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have not received any validation documentation from COMMONWEALTH FINANCIAL SYSTEMS. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties.
-Please provide breakdown of fees including any collection costs and medical charges.
-Provide a copy of my signature with the provider of service to release my medical information to you.
-Cease any credit bureau reporting until the debt has been validated by me.
|
| 07/09/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Some hospital sent me a letter saying that i was admitted and that I owed them money ; So I called right away and asked " what is this '' So I gave my name and dob. when they saw that Dob. did not match some lady said " Oh this is not you I will take care and remove it right away " I said thank you and then went on with my life : until I started getting harrased by some bill coll. company with letters and phone calls about once twice a week.at that time I had never been in a hospital. this started about 4 years ago give or take some months. the name does not match also
|
| 12/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, I am asking for assistant with Common Wealth Financial. I disputed this collection agency on XX/XX/XXXX and the month of XX/XX/XXXX. I am requesting a validation of the debt ( not a verification ) that I have a signed contract signed with Common Wealth Financial per Fair Debt Collection Practices Act laws. I also request a contract validation of my signature and their signature not a copy of a bill. If they can not provide documentation I request that this debt be removed from my credit file with all three credit bureaus, per Fair Debt Collection Practices Act.
|
| 08/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a phone call today from a lady in XXXX state stating they are a 3rd party legal and attorney service and wants me to give my phone number and address to them for a XXXX legal matter. I have not lived in XXXX since XX/XX/XXXX. I pulled my credit reports today and found this new collection account on my XXXX. Please remove this account from all XXXX reports.commonwealth financial systems acc XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXCollection account. {$270.00} past due as of XXXXYour report number isXXXX Report date : XXXX
|
| 04/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have had issues with debt collection attempts by several companies, Commonwealth being one of them. These issues always involve the same creditor, XXXX XXXX Hospital for small amounts of money. I do not owe XXXX XXXX Hospital any money. I have never owed XXXX XXXX Hospital any money. One or both of the computer systems keep reporting or re-reporting supposed past due amounts which have been collected or adjusted. Every collection entry is not a valid line item.
I spend time montioring my accounts because these issues seem to arise quite often and out of nowhere.
|
| 12/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is charging me {$190.00} for ER services with Florida hospital that were paid by insurance. I have been trying to get it removed and every time I do, they update the dates. This was back in XXXX and now it says it is from XXXX and we have not been in the ER since XXXX. My son was covered under medicaid at the time and the insurance would have paid this. I would not have seen a bill for it. They are rude, unhelpful, discriminatory, and just plain mean in the matter when you call to discuss the issue. They will not send me the original bill or collection.
|
| 05/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Common Wealth sent a letter regarding a debt collection attempt for XXXX XXXX XXXX indicating that I owe a debt for XXXX that is not mine. I sent a letter dated XX/XX/18 advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature validating that i authorized this account. I have attached a copy of my ID Theft report and letter that was sent to Common Wealth.
|
| 02/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
PLEASE MAKE SURE YOU READ ALL OF THIS YOU WILL BE HELD LIABLE FOR KNOWING THAT YOU WERE GIVEN A CHANCE TO STOP VIOLATING THE LAW.
This company is a fraud. They have put something on my credit without giving me chance for verification. Per Federal Law, XXXX XXXX XXXX, XXXX XXXX XXXX, and Commonwealth Financial can not prove I owe this. If this is not removed from my credit report immediately I will contact my attorney and sue each of you for damages. You might want to read the law. It is the job of the collection agency to prove ownership and you have yet to do so.
|
| 03/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Commonwealth finance is reporting a debt that is alleged to have been open in Texas in XXXX and I have not resided there since XXXX. The original creditor could not provide proof which is why the account had already been deleted. Now commonwealth is reporting with false dates on one credit report and on another the entire file is basically blank. I never evieved correspondance from the bedt collector giving a 30 day notice of insertion with the ability to dispute or a dunning letter. In light of the false and incomplete data reported by law the bureaus must remove!
|
| 02/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I ( a natural person ) was issued a false debt that was sent to me through mail. I contested with Commonwealth Financial Systems INC and they sent me a letter which I have uploaded alongside this complaint with false " validations '' of said " debt '' and they even went as far as to state on this letter that they are indeed " the purchaser of an account '' that is allegedly mine. Why would I pay a debt that is not mine? This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT..
|
| 02/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/2019 I received notifications from XXXX, XXXX XXXX and XXXX. I contacted the contacted XXXX XXXXXXXX XXXX XXXX XXXX. I explained to them that I have no Knowledge of this debt be owed. They told me also they did not have my address???? I gave them you address and the youn lady said she was going to try to resolve this. I told her I have no documentation of this and she named my bank and said I had paid $ XXXX years ago. She also said she was going to send me documents regarding the debt. They are in clear violation of the of the fair credit collection act.
|
| 03/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2017 I was notified by a credit monitoring service that your agency placed an account on my credit files for collection. I have not received a dunning notice or had any communication with Commonwealth Financial Systems, which is a direct violation of the FDCPA Section 809 ( a ) because your agency never contacted me within 5 days of initiating collection activity against me. More so, it is also a direct violation of Florida Statute 559.715 because I was never given a written notice of bill assignment at least 30 days before any action to collect the debt.
|
| 08/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon reviewing my credit report I noticed a collection agency by the name of Commonwealth was reporting collections for me that I had no idea who they belonged to as I have no knowledge of this debt the company claimed I owed. I disputed the collections with the credit bureaus several times and they have instructed that I contact the collection agency directly. I attempted to contact Commonwealth by certified mail requesting validation of debt and as of date the company has failed to respond to me and continues to report inaccurate information despite my notices.
|
| 08/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had 2 negative credits in my XXXX from XXXX XXXX XXXX that were not mine they they were despite and deleted I got the letter in the mail XX/XX/XXXXfrom XXXX then I got a letter from common wealth financial systems inc. On XX/XX/XXXX that XXXX XXXX XXXX had sold the previously deleted accounts to XXXX XXXX XXXX who then placed it with commonwealth financial systems inc to go back on to my XXXX saying owe them money that I do not owe and again was deleted of off my XXXX. Account number XXXX for the amount of XXXX $ and account number XXXX for the amount of XXXX $
|
| 06/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XXXX of XXXX I have noticed a debt had been added to my credit report in XXXX it state it was opened in the state of Ga, I had contacted the company but was n't very much successful in getting the problem resolved. XXXX XXXX, XXXX I sent the company a certified HIPPA letter for them to verify this debt that they claim I owe. I gave them 30 days to respond I have not received anything to verify that this debt is mines. It is now XXXX the XXXX XXXX still no verification. By law if they ca n't verify that this is my debt it must be removed from my credit report.
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have asked all 3 agencies to take off an account in collections by CommonWealth Finance in the amount of {$440.00}. The original creditor was XXXXXXXX XXXX XXXX XXXXXXXX.
I have informed them of the new law pertaining to this, where no medical bill in collections under {$500.00} is to remain on credit reports. They still will not take it off of my report. They keep sending me, what seems like, automated messages saying that the information in the report from the creditor is correct and this is my account and correct amount due. I don't know what else to do.
|
| 12/17/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX opened Creditor : XXXX XXXX XXXX XXXX XXXX : COMMONWEALTH FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX These guys " XXXX XXXX XXXX '' are totally a scam. A ghost number that is no longer working and if you look up the address " XXXX XXXX XXXX, XXXXXXXX XXXX. '' is an empty lot.
So, I'm calling Commonwealth the agency sending this to my credit reports on Monday or so.
Please get these guys straight they seem to be taking, buying, and or other illegal fraudulent actions in obtaining my info from medical billing systems.
XXXX XXXX
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| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I received a letter from XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX that was a notice of data breach. On date XX/XX/XXXX. Then on XX/XX/XXXX I received a letter from Commonwealth financial systems with a bill for XXXX for a so said debt from XX/XX/XXXX. I am currently on a payment program with XXXX installment dept. and XXXX emergency group to pay all things off from XX/XX/XXXX.The timing seams bad as well when I called Commonwealth at first they told me it was hospital charges and told them about my payment plans they changed to it was a DR bill.
|
| 09/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I sent a debt validation letter to COMMONWEALTH FINANCE, they failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
I have also completely paid my medical bill with the XXXX XXXX XXXX, I have nonidea who COMMONWEALTH FINANCE is and what they are trying to collect from me, i do not have a contract with.
|
| 09/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a bill in the mail from a Commonwealth Finical Systems indicating I ow money for services that occurred in 2013 with a XXXX XXXX Emergency provider. This is not my debt! There was never any services provided by this provider in 2013. After researching I noticed there is another XXXX XXXX XXXX with the same exact birthday that lives XXXX and notice there is no ( R ) at the end. This company started to report this on my credit file and I am in the middle of trying to purchase a home. This is a huge mistake that is costing me and my family our HOME!
|
| 12/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was covered under the Arizona XXXX program XXXX health care at the time of this hospital bill. The insurance information was provided to the company at the time of service. I was not notified that this account was in arrears or that it would be sent to collections. The bottom line is that XXXX should have been billed for this service, and companies are not allowed to balance bill a patient with XXXX. I checked my credit report today and noticed that I was sent to collections twice by Commonwealth Financial on XXXX/XXXX/17 for {$570.00} and for {$1200.00}.
|
| 12/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Financial has been reporting an ER bill/medical collection for {$560.00} to my reports since XXXX 2017. I do n't know where this debt is from, as I have no outstanding medical bills. Either XXXX XXXX XXXX is mistaken in their accounting, or Commonwealth is reporting an erroneous collection. I looked up the company in an effort to contact them directly and noticed they are n't a licensed company. It makes me wonder if the debt actually does exist, or if they just report things to people 's credit to make money from those who do n't ask questions
|
| 12/30/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I had an alert on my credit report from a company I had never heard of, I looked up the company and called to find out there is a so called medical bill outstanding from 2010, which if it is in fact a real bill, it should not now be showing on my credit report after 6 years! I have never once received a notice of this bill as I have paid every medical bill off to date with no late notices. I do n't even have a notice or file number as they have never sent me anything! I do n't understand with HIPPA Laws, how my information can be handed over to some agency?
|
| 04/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
This company is attempting to locate me. I tried to call and was told the person was unavailable. This compa ny CFS ( Commonwealth Financial Systems ) co ntacted my brother who resides in a different state. The representative was rude and used profanity. The company 's address i s Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX , Pennsylvania XXXX I will leave a message for this company to not call me or my family as of XXXX XXXX XXXX . I have never received any documents or correspondence in regards to their alleged dispute.
|
| 01/21/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Was notified by the credit bureaus that there was a medical collection on my accounts which posted XX/XX/XXXX. I sent a letter to the collection agency for validation and they sent back a bogus letter saying it was a hospital bill from XXXX. I have not been to the hospital at all. The credit bureaus sent back letters saying it was validated. How can you validate something in less than one week after the postage date of me sending letters. This situation has caused me nothing but stress and anxiety.
|
| 01/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019, Commonwealth Financial Systems added 4 collections to my credit report for XXXX XXXX in XXXX, TX- a city I have never lived in and a hospital I have never been to. I've disputed all of them with XXXX and one was removed within a few hours, I'm still waiting on the other 3 which total up to {$1200.00}. I have also filed a complaint with the XXXX. I have found countless complaints online from people who also got hit with fraudulent collections from this company. If they keep hitting my credit with fake biulls I will not hesitate to sue them.
|
| 06/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Two days ago a derogatory item suddenly appeared on my credit report that I have no knowledge of. Today, I was told by the collector that it relates to an alleged XX/XX/2013debt and no backup can be provided. I have no knowledge of this debt, was not contacted and given a chance to dispute the debt ( per FCRA ) and the age of the alleged debt precludes any research on my part. this has wrecked my otherwise perfect credit.
I also learned this debt was just purchased from someone named XXXX XXXX XXXX and Commonwealth made no attempt to verify the debt.
|
| 12/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I sent out a certified letter to a collection company to validate a debt that they claim is mine. I specifically ask for a copy of my contract with my signature on it that Prove this is my debt. On XX/XX/XXXX I received a letter from the company telling me that they can not verify that the debt is mines but did not mention to delete it from my credit report. They are in violation of the Fair Credit Reporting Act. They did not respond with validation and proof that this is my debt. I feel like Ive been denied my rights of debt validation.
|
| 07/25/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
There are XXXX amounts this company says I owe them XXXX for {$75.00} and the other for {$1800.00} as of today. Previously, about 6 months ago it showed I owed them over XXXX dollars. The amounts keep changing. I sent a validation of debt request to this company via certified mail and it was signed for and received on XXXX/XXXX/16. I waited for over a month with no response. On Friday, XXXX XXXX I called this company and asked them why I have not rcvd a response and the rep advised me they rcvd a notice but had not responded to me which violates fdcpa.
|
| 08/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX and XXXX I received alerts that my Fico scores had dropped almost XXXX points due to a debt collector XXXX Common Wealth Financial Systems ) reporting I owe them for an outdated debt. XXXX ) The alleged debt is past the statue of limitations. XXXX XXXX The alleged debt is past the legal reporting date. XXXX ) They never validated the outdated alleged debt. XXXX XXXX They maliciously reported it to the 3 credit reporting agencies expeditiously as a way to extort money even though they are aware that the debt is outdated to do so.
|
| 04/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
2 Years ago Commonwealth Finance tried to put a debt of {$730.00} that was not owed by me into collections and I received a derogatory mark on all 3 of my credit bureaus. I called them and explained that they had the made a mistake and my last name is different than the person who had the collections account with them. They removed the account from all 3 credit bureaus and now 2 years later they randomly popped back up into my credit report. They are trying to intimidate me to pay a debt I do not owe. I get calls every day and it is driving me insane.
|
| 09/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I need to have my alleged debt with COMMONWEALTH FINANCIAL SYSTEMS addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
|
| 09/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Debt was created not under my authorization account XXXX amount XXXX and account XXXX amount XXXX. I believe both were already disputed as not being my services and removed. As on XX/XX/XXXX account showed back up on my credit history. I have went through I identify theft in the year of XXXX were all information was lost such as id and social security.Taxes were filed and apparently other services used under my name which lead to identity pin being used each year to file taxes. I need these account removed for good due to debt not belonging to me!!!
|
| 06/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
On XX/XX/2019, I received a voicemail. It said, " There is currently a court order being filed to suspend all activity with your social security number. To review all immediate rights and details, contact Commonwealth at immediately today at XXXX, once again XXXX. '' The voicemail then continued in XXXX. I think this voicemail is threatening something outrageous and unenforceable in order to get me to pay them money. I have complained to the credit reporting bureaus to have Commonwealth removed from my credit reports, but they have not done so yet.
|
| 12/20/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I do n't know what this debt collection is about. I ask to XXXX, XXXX and XXXX my credit report, so I find out that this debt was on my report under medical service by a collection company name COMMONWEALTH FINANCIAL SYSTEMS and the original creditor XXXX XXXX XXXX XXXX. I never did any agreement with COMMONWEALTH FINANCIAL SYSTEM or sigh any contract allowing them to put this on my credit report so I need this debt to be remove from my report. In my credit report this collection agency do n't have any phone number it say phone number no available.
|
| 12/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
COMMONWEALTH FINANCIAL D63764 {$980.00} XX/XX/2019 This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel
|
| 08/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
Older American |
|
When I phoned back the XXXX number on the collection call, the person was abusively rude. I told him the person he was looking for has n't worked here in years and to take my number off, and that I thought it was illegal to disturb business with his call, he said that " he knows his business '' and " what are you gon na do? what are you gon na do? what are you gon na do? '' and repeated it in an aggressive manner many times. I finally interrupted and said, " report you right now '' and hung up. The company was Commonwealth Financial XXXX at XXXX.
|
| 05/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Federal law bars XXXX providers and suppliers from billing an individual enrolled in the XXXX program for XXXX Part A and Part B cost-sharing under any circumstances. Consignment violation reported to XXXX XX/XX/XXXX. And is in escalation. This action has negatively effected my credit and I am demanding that it be removed immediately from all major credit reports or I may be forced to exercise my right to persu civil action. Debt from XX/XX/XXXX. XXXX XXXX XXXX XXXX and in collections handled by commonwealth financial XXXX XXXX XXXX XXXX XXXX pa
|
| 07/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I have been XXXX since around XXXX and did not get out until XX/XX/XXXX This debt was not on my credit report when I went on to see how my credit looked.
all of a sudden this debt showed up on my credit report.
I have found that my last name has been changed, addresses that don't belong to me on my credit report and now this debt showed up within the last couple of months but never gave me the chance to state it was my debt by notifying me within thirty days just showed up on my credit report.
when I disputed it and they say it was correct.
|
| 02/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This collection agency took my personal information from the previous collection agency that I had closed and removed from my credit report due to account being over 7 years ago therefore this account was deleted from my credit reports. Under the law ( 15-U.S.C. 1692 te seq. ) and under ( 15- U. S.C. 1681 ) I am a victim of fraud as its listed on all 3 credit reports and dont recall the collection charge from 10 years ago the statue of limitations will apply to this collection my information should of never been given to this collection company
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Account states it was opened XX/XX/XXXX Last Reported XX/XX/XXXX Payment Status Collection/Charge Off Amount {$1500.00} Company Name : COMMONWEALTH FINANCE Attention Fraud Department : The Medical collections company, CommonWealth Finance on my credit report is a direct violation of the no surprises act. I don't know who they are, and I never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report which is clearly a direct violation of the No Surprises Act and needs to be deleted immediately.
|
| 09/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Commonwealth Financial Systems continues to list an account who 's delinquency with XXXX XXXX XXXX occurred on XXXX XXXX ( according to XXXX XXXX as XXXX that opened on XXXX XXXX the day that they acquired the account. The lack of clarification works to deceive potential creditors into perceiving this as a recent default as opposed to one that is over 6 years old. I have been unsuccessful in my attempt to address this matter earlier in the year, both with XXXX and XXXX. Any help that you could offer in this matter would be greatly appreciated.
|
| 03/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
I have contacted XXXX, XXXX and XXXX XXXX in regards to an old account with XXXX XXXX and Commonwealth Financial Systems. The XXXX XXXX account is old and should be removed from my report. The CFS account is from an old medical bill and was removed from my reports several years ago. Now it is reappearing on my reports under the CFS Collection Agency. This account is at least XXXX years old and once removed should not reappear under any other name. I have requested removal and all I get is the info is correct or you have already disputed it.
|
| 08/25/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have sent several letters over the last month to this collection agency requiting that the validate not verify my information. As of today they have not sent me anything in writing that proves this belongs to me, that I owe what they say, and have not provided me with documentation with my signature showing that I authorized the said services or account. According to FCRA validation included everything listed above, and they have failed to provide this information. They have now violated my rights under FCRA and are subject to violations.
|
| 05/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have multiple accounts showing up from XXXX XXXX XXXX XXXX. I have disputed them and had them removed from my reports in the past but they have been transferred to another lender and reported again. They are not my accounts. I do not owe them money. They will not remove these fraudulent accounts from my report. I have disputed with the credit bureaus and the company itself. It is really making me angry. They have been calling my phone and harassing me about accounts that are not even mine. I can not take this anymore. This is ridiculous.
|
| 09/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a letter from collector ( XXXX XXXX XXXX about a medical debit of {$360.00} owed from XXXX. I have never heard of this debt and was surprised in XXXX I received a letter of debt. I called the collected and told them I do not know what this is, then a week later I saw it on my credit report. I wanted to file a complaint because I have not clue what this debt is, the collected put in on my credit, that account is from XXXX and XXXX denied my dispute. I have no wear else to go, this is unfair from companies to do this to consumers.
|
| 04/22/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Commonwealth Finance keeps trying to destroy my credit for items that were proven to have no longer been my responsibility. As proof, please see the attached documents from XXXX Collections Management Center that show I 've had these items removed from my credit report XXXX before Commonwealth Financial went in and changed the dates so as to fool the system and collect their fees above all else. The items were disputed, removed, then re-inserted without notification. They need to acknowledge these past deletions and leave a XXXX vet alone!
|
| 04/21/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX lists both Northeast Credit and Collect ( NCC ) and Commonwealth Financial Systems ( CFS ) as holders of an alleged collection account. XXXX still shows NCC as holder. ( see attached ). I have requested, in writing, verification of debt and have not received my dated signature for this debt. I have received a BLANK form letter for collection which is not verifiable validation of the debt, see attached. This alleged debt is dated for origination in XXXX of 2009. Per statutes, such debts, alleged or otherwise, are no longer collectable.
|
| 04/21/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX lists both Northeast Credit and Collect ( NCC ) and Commonwealth Financial Systems ( CFS ) as holders of an alleged collection account. XXXX still shows NCC as holder. ( see attached ). I have requested, in writing, verification of debt and have not received my dated signature for this debt. I have received a BLANK form letter for collection which is not verifiable validation of the debt, see attached. This alleged debt is dated for origination in XXXX of 2009. Per statutes, such debts, alleged or otherwise, are no longer collectable.
|
| 02/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account states it was opened XX/XX/XXXX Last Reported XX/XX/XXXX Payment Status Collection/Charge Off Amount {$1500.00} Company Name : COMMONWEALTH FINANCE Attention Fraud Department XXXX XXXX XXXX XXXX company, CommonWealth Finance on my credit report is a direct violation of the no surprises act. I don't know who they are, and I never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report which is clearly a direct violation of the No Surprises Act and needs to be deleted immediately.
|
| 12/31/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I reviewed my credit report and noticed the alleged listed account. I sent a request for verification of the debt to the creditor in XX/XX/2022. After 30 days of no response or update, I reached out to the creditor again to gain information of the alleged debt. Its been roughing forty-five days and I have yet to receive a response or any information about the alleged debt. I am aware of the law stating that the creditor has 30 days to complete the investigation. At this point, this alleged debt is now illegally posted on my credit report.
|
| 09/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX The above company placed a balance of {$890.00} on my credit report on XX/XX/2020. I have not done any business with this company nor have I received any paperwork or documentation verifying this supposed debt they say I owe. They unfairly without prior notice placed this amount on my credit report causing it to drop 108 points. They did not send me a right to dispute notice. I have received nothing from them at all! I want them to remove the entry from my credit reports.
|
| 02/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have reviewed my credit report several times and collection account from Commonwealth Financial continues to reflect negatively on my credit report. I do not recognize this account and if it was a medical debt it should have been covered under my insurance and/or medicaid. I have attempted to resolve this issue several times with the agency but they have failed to validate the debt as accurate and that they have legal right to attempt to collect on this account.I have also attempted to resolve direct with credit bureaus with no resolve.
|
| 01/07/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have received collection notices from this company regarding a medical debt and I believe the they are trying to collect a debt that I do not owe.
I have contacted the original creditor and they do not have an account that is tied to either my name or my social security number. Also, on the validation document that I received from the creditor, the name is not spelled the same as mine, the address is to a place I 've never lived, and I have never been treated at the hospital in question or on the date of services listed on the account.
|
| 10/21/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Commonwealth Financial Systems ; Collection Reported XXXX ; Assigned XXXX ; was disputed with another collection company by the name XXXX XXXX for {$360.00} ) XX/XX/XXXX and deleted because it was identity theft, after sending them all the paper work I was told by the XXXX that my information was not on file, I have proof of the fax and they should have proof of the phone by law! this should be a illegal collection act! AND I WAS NOT CONTACTED BY THIS COMPANY I HAD NO IDEAL ABOUT THIS DEPT, THAT THEY PLACE FOR COLLECTION THAT WAS WRONG!!!
|
| 06/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The original Creditor, YEARS AGO, was XXXX XXXX XXXX. The debt has been sold over and over again, therefore eliminating my obligation to pay and relinquishes my debt. Most recently, it was REMOVED from my credit on XX/XX/2019 under the creditor, XXXX. It was then immediately added BACK to my credit report under the creditor cfsi aka Commonwealth Finance. Reflective on both XXXX and XXXX.
( See attached screenshots ) XXXX : XXXX ( XXXX XXXX XXXX ) - {$910.00} I DO NOT owe this debt! Origination date is nearing if not surpassed 7 years.
|
| 08/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 04/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
NONE OF THIS INFORMATION IS MINE I HAVE CONTACTED HOSPITAL AND DISPUTED AND ITS NOT WORKING. I HAVE NO CLUE WHY THIS WAS PUT ON MY CREDIT.
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XXXX XXXX, XXXX Original balance {$1400.00} {$1400.00} Payment Info Original balance {$1400.00} Balance {$1400.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's XXXX XXXX XXXX Status date XX/XX/XXXXXXXX XXXX
|
| 11/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I submitted a complaint for Commonwealth Financial Systems as they reported to all three credit bureaus # XXXX for the amount of {$1200.00}. The case was closed and the reports were removed just to reappear on XX/XX/2017 for a different amount {$590.00}, I just git remarks removed from XXXX as Im going the mortgage loan process now Commonwealth Financial Systems has placed those same negative remarks back on my credit report. I do not know how Commonwealth Financial Systems obtained my information. These fraudulent debts are not mine.
|
| 06/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am debating account number XXXX withCommonwealth Financial Systems by reason of I have sent many dispute letters to the credit bureaus and it comes back verified every single time. They are declaring that I owe {$59.00} to XXXX XXXX XXXX XXXX on my credit report. XXXX I have contacte d Commonwealth Financial System s to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
|
| 10/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
first this XXXX XXXX XXXX XXXX in XXXX they reported on my credit files, After i file complain in XXXX with CFPB ( File number XXXX ) because i do not own this debt they removed this reported from XXXX amount and then they removed from my credit file, Now this new debt collection agency Common Wealth Financial system trying to collect same debt ( {$1300.00} dated XX/XX/XXXX ) which i don't own, They reported on my credit file i like them to immodestly remove negative information from credit file from all 3 credit reporting agencies,
|
| 08/09/2016 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
We received a notice from Commonwealth Financial Systems ( CFS ) regarding an unpaid medical bill. Upon contacting the purported medical service provider and providing the original account number listed on the letter issued by CFS I was informed that no such account number existed.
I contacted CFS and the employee identified himself as " XXXX XXXX ''. However, the name on the letter issued by CFS was " XXXX XXXX ''.
Commonwealth Financial Systems lists the following address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX ext XXXX
|
| 12/26/2020 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed a drop in my credit score and found that this company COMMONWEALTH FINANCI added ( 2 ) New Debts to my credit report reflecting as an open dates of XX/XX/XXXX ( 2 mos ) and XX/XX/XXXX ( 11 mos ). I have not resided in the State of Florida for over 3 years. I have not visited a medical facility in Florida since moving. This can not be my debt based on the " OPEN '' dates of this debt. Statute of Limitations and FCRA limits the time a debt can be collected or reported based on the " OPEN '' date of an account. This is fraud.
|
| 09/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
XXXX reported Commonwealth debt on my report. It is a medical hospital debt and I have not received notice from Commonwealth of this debt. It just showed up on my report. I shouldve received notice that this was a debt from this company or from the hospital but I called several hospitals to see if there were outstanding bills since I have had a lot of medical issues in the past but I never received notice of any. I asked if it was turned over but never received notice of this debt from this company if so O wouldve made right on it.
|
| 03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I pulled my credit to discover that XXXX is reporting mortgage lates from XXXX XXXX I researched and discovered that they are affiliated with XXXX XXXX XXXX. I had a mortgage approximately 10 years ago. The information is incorrect XXXX will no longer investigate as they claim the information is correct ... it's not. I've spent hours getting sent from department to department, given email addresses that are no longer monitored. I'm angry and frustrated. My social security number ends in XXXX. The purported account number is XXXX
|
| 03/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
1. COMMONWEALTH FINANCIAL SYSTEMS XXXX {$1200.00} 2. COMMONWEALTH FINANCIAL SYSTEMS XXXX {$1200.00} 3. COMMONWEALTH FINANCIAL SYSTEMS XXXX {$1100.00} The above creditor is advising I owe these debts which they reported to all three credit bureaus. I called the creditor numerous times to have them validate these debts since I am unaware of these accounts. They are unable to provide me any information regarding the provider, dates of service, confirm they are the owner of the debt etc. They are unable to prove these debts are mine.
|
| 07/05/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On or about XXXX 2016, I noticed that a Common Wealth Financial company appeared on my credit files, XXXX entries appear as ( Acct # XXXX ; Acct # XXXX, in the amount ( s ) {$910.00} ; {$750.00}. I requested that Common Wealth Financial validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now, Common Wealth Financial is coming after me. I have continued to request that there validation and they continue to allow this to report on my files.
|
| 03/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have tried several times to get accuracy of this account to show that it belong to me. The original creditor has failed to do so. With my right of Fair Credit Reporting Act, to my knowledge, You are required to notify me within five 5 days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Between XX/XX/XXXX and XX/XX/XXXX this file was re-inserted on my report. This company is causing financial distress as it making it hard for me to obtain creditworthiness.
|
| 11/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a debt collection recently added to my account, but I do not know what it is. I contacted the collection agency and the information they provided is not mine. The first time I heard about this debt was when I saw it on my credit report. I disputed this with the credit bureaus and XXXX denied the claim whereas XXXX removed it from my credit report.
COMMONWEALTH FINANCIAL SYSTEMS Account Name Collection Account Type Individual Responsibility XX/XX/2018 Date Opened Collection account. {$710.00} past due as of XX/XX/2018.
|
| 08/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is some fake shell company collecting debts that dont exist. They have no website or real office. Says they are out of XXXX, with no staff, but from Pennsylvania? I havent been to the hospital or anything medical related so how would I owe this amount, especially to a place that doesnt exist.
If you XXXX this company, the ONLY result is people complaining about this bogus charge like I am now. Then I filed a complaint with XXXX explaining this and they came back in RECORD time and said it was accurate? Nope. Big XXXX no.
|
| 08/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
on XX/XX/XXXX a letter was sent to COMMONWEALTH FINANCIAL asking to provided Validation of Debt and HIPAA authorization which they could NOT provided.
The debt doesn't belong to me.
Not only that they couldn't provided the proper documentations I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permis- sion to ( COMMONWEALTH FINANCIAL ) for them to release my medical information to a third party.
|
| 01/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
A review of my credit report reveled a collection notice had been placed with the three credit reporting agencies by : Commonwealth Financial XXXX XXXX XXXX XXXX PA XXXX Due to a bill from : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I have never had any contact, received a bill, phone call, or any correspondence with either of these companies.
My health insurer is XXXX. The indicated that there are no outstanding bills, co-pays or disputes with XXXX XXXX.
How can a collection agency be allowed to act in this manner.
|
| 06/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
This so called debt was first issued to me in XX/XX/XXXX - stating that I did not have insurance. and I have had insurance since XX/XX/XXXX. I do not recall even getting medical treatment in XX/XX/XXXX. I have tried to contact Commonwealth when they issued a collection debt and it showed up on my credit reports. I also sent a letter to your company to forward to Commonwealth, I have yet to receive any kind of response. I believe that a family member may have used my name during this time. I do not have knowledge of this debt
|
| 05/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I recently saw that a debt collector ( XXXX XXXX XXXX ) is reporting a debt of {$490.00} on my credit report. This debt is over 7 years old. I have not contacted the debt collector or made any commitment to pay this with them. This debt is from 2014. I contacted the original creditor ( XXXX XXXX XXXX ) And they stated " That they stopped collecting on their debts and have removed all negative marks from any and all of the credit bureaus a long time ago. This mark should not be on my credit report and is incorrect reporting.
|
| 05/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello.
I went on XXXX XXXX and saw that a new collector has taken over my debt. I've sent two emails and called a few times and haven't been able to get ahold of them. I've looked up info on them and everyone seems to think they are fraud.
I don't see how this company could be fraud if they show up on XXXX XXXX though, right?
Look, I just desperately want to pay this XXXX debt but I don't to pay some scammers. The company is called Commonwealth Financial Systems. How do I figure out if they are legit?
XXXX XXXX XXXX
|
| 02/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX, 2017 XXXX XXXX XXXX {$XXXX}. I had insurance that I gave to this department that was never filed by them. I do not feel that I should be held responsible for an error they made.
XX/XX/2017 XXXX XXXX XXXX, {$XXXX}. I have no knowledge of this account or of the company. I have asked that this be removed from my credit and it has not been removed.
XX/XX/2017 XXXX XXXX XXXX {$XXXX}. I have no knowledge of this account or of the company. I have asked that this be removed from my credit and it has not been removed.
|
| 12/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
There is a medical collection on both XXXX and XXXX reports in the amount of XXXX. This debt has been removed and re appeared on my credit reports with out me being notified. Its not on my XXXX report though. I tried to resolve this with the credit bureaus and got no where. It has been sold several times to multiple collections agencies and not once did I receive notice of this. This was added to those credit reports on XXXX. When I did the online disputes it was removed then added back under a different collections agency.
|
| 10/27/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Commonwealth financial is not at all professional and are harassing in violation.
This debt was discharged as being invalid on at least one bureau and is under investigation as well. I am being harassed when I have requested not to be contacted. Additionally the number they are calling is not my own and the owner has requested no further communication yet the representatives antagonize her, make odd statements in singsong voices and continue to call and harass, even outside of allowed hours. This number should be removed.
|
| 07/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX an account was reported as being opened by commonwealth financial with an amount being owed of {$920.00} I then sent a validation of debt letter via certified mail on XX/XX/XXXX which in return I received a letter back from them dated XX/XX/XXXX stating that commonwealth financial systems, inc. Has closed and returned the above referenced account to our client, XXXX XXXX XXXX . They also stated CFS will send a deletion update to the XXXX major credit reporting agencies in which they have not.
|
| 07/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX I received notification from XXXX, and XXXX that a new collection was placed on my credit report. I have reviewed the information the collection account does not belong to me. They have damaged my credit with this incorrect information and I have yet to receive a response from them validating the account. What Methods of validation did XXXX and XXXX use? I'm seeking this account gets removed from my credit report and cease all credit bureau reporting until they are able to " validate '' the account by me.
|
| 01/26/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/22 XXXX XXXX XXXX added a collection on my Credit Report for {$120.00}. This collection does not belong to me. Upon further investigation. I went online to check the supposedly original creditor and saw the reviews of multiple people claiming this company damaged their credit in the same way and they had never been to this XXXX. and had no idea of this collection. This company is running a scam. I contacted all XXXX credit bureaus and XXXX was going to reach out to them. I wanted no contact with these scammers.
|
| 02/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account with Commonwealth Financial and they have sent me nothing at all. I do not know who they are or why they are on my credit. On my credit, it says there's a balance of well over {$1000.00}. You would think for that kind of money, Commonwealth could at least write me a letter. Sheesh. I am asking you kindly to investigate their willful negligence. I believe in the United States, reporting invalidated information constitutes defamation of character, as well as willful negligence. PLEASE HELP ME!
|
| 01/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Commonwealth financial is the collection company. Original creditor was XXXX XXXX XXXX XXXX XXXX.the original bill was dismissed says “No Charge left without treatment” That was 2 separate visits on XX/XX/2015. Amount was $XXXX each.both dismissed. But somehow collection company got this bills and debt went to credit report. I disputed but keeps pop up with different collectors. I called XXXX XXXX they said will delete both accounts with $XXXX.I paid this amount but they only delete one account. Account number is XXXX.
|
| 11/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonweath financial systems is the creditor is there saying that there is a dead from XX/XX/17. This is the first time I ever heard of this debt seven years later and they want to collect {$1300.00}. They have no proof that this is my debt I have asked for something with my signature on it and they can not provide me anything. All they wan na do is collect his death. This is a fraudulent debt by this company. I know other people that have gotten letters from this company demanding payment on a debt that doesnt exist.
|
| 06/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Commonwealth finance is a collection agency and committed fraud on my credit report they said that I have an outstanding loan with XXXX XXXX XXXX for the amount of around {$160.00} that is fraud it is not a loan XXXX XXXX XXXX is a hospital and I would like to have my credit stored to where it was it was back in XXXX when I seen this on my credit report it has dropped my credit 100 points for no reason it is not a loan it is fraud My credit came down from around XXXX XXXX because of fraud commonwealth finance is fraud
|
| 10/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XXXX XXXX, 2017 {$1100.00} appeared as a dept on my XXXX part of my credit score as being in collections. I do not owe this and never have. After research and contesting this I learned Commonwealth Financial ( who filed this ) is guilty of falsely submitting items like this many times, especially after consumer had just applied for a XXXX XXXX " fix your credit '' credit card. ( which I had just applied for ). Then they falsely put a debt on there and they offer to help fix your credit. I have contested this. Thanks
|
| 08/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX is reporting that a company by the name of Common Wealth Financial Date Reported : XX/XX/XXXXOriginal Creditor Name COMMONWEALTH FINANCIAL Balance Date XX/XX/XXXX Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Original Amount Owed {$430.00} Account Number XXXX XXXX Amount {$430.00} Creditor Classification Medical or Health Care Status Date XX/XX/XXXX Last Payment Date Status UNPAID Date of First Delinquency XX/XX/XXXX Comments Medical I do not owe the above company any money for medical bills.
|
| 02/17/2016 |
Yes |
|
- Credit reporting company's investigation
- Investigation took too long
|
|
Web |
|
|
This company was contacted twice in writing. Both times they were asked to validate the debt. Specifically they were asked for a copy of the original promissory note, evidence that they are the holders of this promissory note and the identity of the current owner of the account. As they were unable to provide the requested information I requested they delete this account from my XXXX credit report. To date ( nearly 6 months later ), this agency has failed to validate the alleged debt or delete it from my credit report.
|
| 07/02/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
In May, this company had added 2 debts to my credit report, that had already fallen off due to being over 7 years old on my credit report. They never mailed me anything saying they were trying to collect the debt again, they just put it on my credit reports. The only time they had mailed me anything was after XXXX removed the debt, but before notifying me. I was mailed a notice showing they had acquired my debt, with instructions how to contact in order to pay, 3 days before experian notified me they removed the debt.
|
| 11/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There is a collection attempt on my XXXX credit report that has just come up from cfsi/ a.k.a. Commonwealth financial systems opened on XXXX XXXX the amount is $ XXXX.The original creditor is XXXX XXXX XXXX. Someone has stolen my identity. I have absolutely no knowledge of this creditor or account and because of this I will be placing life lock on my account. It seems there should be more done on the part of the credit reporting agency to stop identity theft. Please remove this fraudulent charge from my credit report.
|
| 09/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am in receipt of your letter dated XX/XX/XXXX. I have given you written communication more than once that the accounts listed are a result of identity theft. I request that these unauthorized accounts are closed, take steps to permanently remove any information about these accounts from my credit file. These accounts are in dispute and do not belong to me.
Acct # ( XXXX ) XXXX XXXX in the amount of {$1300.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$1700.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$48.00}
|
| 06/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a collection letter with an account number balance owed and original creditor information. Date of service was not included. I called the number on the letter the man who answered tells me it was placed on my credit report XXXX / XXXX / XXXX . I received the letter today XXXX / XXXX / XXXX . First communication I have ever received, and they had already put it on my credit report. The man gave me service date from XXXX . This is from 5 years ago, and this is the first communication I have recieved.
|
| 05/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed a debt in collections on my credit report, back in XXXX . The medical bill does n't belong to me and I have not had an medical visits around that time. I then disputed the charges to all credit agencies. All three agencies held investigations, all three then concluded the charges were incorrect. I then contacted Commonwealth financial the creditor to inform them of the mistake. They agreed in XXXX , after conducting their own investigations. But are now still knowingly reporting false debts on my report.
|
| 01/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a letter from COMMONWEALTH SYSTEMS INC stating i owe XXXX for a Medical bill. this account was on my reports before about 4 yrs ago. another Collection Agency had this account first. this account was disputed and removed. now a few a years later COMMONWEALTH FINANCIAL SYSTEMS INC is reporting the same account on my XXXX and XXXX reports now. they purchased this account from the original collection agency, XX/XX/2019. This account is causing problems for me getting approved for a Home and other things.
|
| 06/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I frequently check XXXX XXXX and I know its not 100 % accurate but a few months ago I checked and some of my medical bills that I accrued when I was XXXX ( now XXXX ) fell off but one came back and twice! Its for {$550.00} each and it says it ( now they ) was ( were ) reopened. I have no idea why, as I have no idea on how to even contact them. Ive moved to 2 different states by now, but thats crazy its reopened and the same amount TWICE. Its hurting my credit and Id really like to buy a house soon. Please help! : (
|
| 05/02/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have requested proof of debt be sent to me and every since then this company continues to call me non stop. The are also in violation of the FCRA for not reporting this debt as disputed on my credit report. I DO NOT owe this debt. And this company still can not provide me proof. my social is XXXX date of birth XX/XX/XXXX. I will file a civil suit against your company if I have to so that my rights are protected as well as notify the media of your violations to see if any other consumers rights have been violated.
|
| 05/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a medical collection debt on my credit from a Commonwealth Financial that does not belong to me. I have disputed with all three credit bureaus and still no resolution. Debt needs to be deleted from my report as it does not belong to me. I have not went to this emergency room that they are claiming and I have never received anything about this debt from the original creditor. Also this would be a violation of Hippa to share any information if it were mine with this creditor. Please delete this immediately.
|
| 03/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I've never went to the doctor in the state of Texas. I've never received a bill or communication to dispute anything. I checked my credit report and this 3rd party company Commonwealth financial has put a negative mark on my account for a medical bill I don't owe. I contacted the collection company and I get a full voicemail of a woman 's phone not even a company. they cant tell me who the original creditor was or anything else with the account. I really need this collection off my report. I don't know what to do.
|
| 10/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
" XXXX XXXX XXXX XXXX '' is the original creditor and a collection agency is " Common wealth. '' According to the reports i was able to access this was opened on three different dates XX/XX/23, XX/XX/23 and another on XX/XX/23. And the amount is {$1600.00}. Ive already contacted XXXX for false collection and that no information of this debt was communicated to me by mail, email, or phone and that it suddenly appeared on my credit score. Ive contacted my hospital for records as well and ill be contacting my banks.
|
| 06/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX company put this account into collections in my name, in the amount of XXXX dollars for an XXXX room doctor.
XXXX XXXX XXXX XXXX. In XXXX, La.
They are asking for payment for only the XXXX room doctor.
Im already making payments to For this XXXX room visit.
The bill for the entire visit is considered one and includes the services provided.
So to now request a bill only for the XXXX room doctor ; would be considered double billing.
I am still making payments for the XXXX room visit from XXXX, 2014.
|
| 03/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
on XX/XX/XXXX, we sent out a certified letter to COMMONWEALTH FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CERTIFIED MAIL RECEIPT number XXXX Sent a letter of validation to their office.
They received it XX/XX/XXXX at XXXX and have waited for their response.
Today is XX/XX/XXXX and haven't heard from them at all. Under the Fair Debt Collection Act, they have to show proof of obligation and I am aware they have XXXX days to do so.
They also have not removed the alleged collection from my credit report
|
| 04/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On or around XX/XX/2020, I began working on repairing my credit. After sending 3 letters to XXXX informing them that I never opened an account, nor does the debt belong to me ( {$640.00} ), they are now refusing to investigate this debt further. I have repeatedly asked to receive the original documents of the debt and the contact person ( s ) from the company that XXXX spoke to verify the debt, yet they have not provided it, thus allowing this debt to remain on my credit and affect my credit score negatively.
|
| 07/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Commonwealth Financial Systems attempted to collect a previous medical bill debt that was already paid years ago. They also offered to discount the offer at 50 % off of the current balance in one payment.
This was sent on XX/XX/XXXX on behalf of the original creditor, XXXX XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, PA. They told me to take advantage of the special offer through my Recovery Representative.
This debt was paid in XXXX and is a fraudulent attempt at collecting money no longer owed.
|
| 03/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Finance has placed illegal derogatory information on my credit report. I have contacted them by mail about this matter on several occasions, but they have ignored my request to validate the said debt or contract that I owe to them. I have absolutely no knowledge of this debt. According to my rights under HIPPA they are in serious violation of the law. There has never been any type of relationship between this business and me. This very lewd act is punishable by law. Date XX/XX/17 Amount {$620.00}
|
| 01/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
COMNWLTH FIN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Reported onXX/XX/XXXX {$930.00} Reported on XX/XX/XXXX {$1300.00} Am a XXXX at a XXXX XXXX XXXX XXXX XXXX NY I have full XXXX XXXX prescription cards no copays doctor visits free eye vision plus dental.
Impossible no clue what this account about is a ( FRAUD ) I have been with XXXX XXXX XXXX XXXX Building my credit XXXX Only account I have and working on paying is account with a negative status, pay-status is XXXX XXXX XXXX for {$330.00}
|
| 04/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have repeatedly received collections against my credit from these collectors. I always have to contact the credit bureaus and get them to clear out the collection. I have no knowledge of this collection. I would like to stop being harassed by these collectors about something that is not mine. I do n't have any bills from them and I have no information about this. They repeatedly add collections to my account even though I have told them to stop many times. They must stop trying to collect debt I do not owe.
|
| 04/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On my XXXX credit report, it shows two collection accounts that 1. Was paid by an attorney for a car accident insurance settlement 2. I have never received a statement showing that it had not been paid in full by my attorney 3. I believe these accounts were removed from my credit report and have now reapppeared.
The two collection accounts are as follows : A. XXXX XXXX for {$240.00} B. Commonwealth Finance for {$320.00} I can not get any information from the credit bureau regarding these accounts. Thank You
|
| 05/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Common Wealth Financial attempting to collect a debt not owed. Original creditor was provided with the necessary information to obtain payment and failed to do so. Common Wealth Financial was also provided the same information and refuses to correctly bill and or remove the item in question from my credit report. The amount of {$1000.00} should not be on my credit and or owed and was recently updated as supposedly accurate on XX/XX/2018 after a dispute that was filed where the information was again provided.
|
| 11/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Common wealth financial @ XXXX XXXX XXXX XXXX XXXX, PA XXXX, phone number ( XXXX ) XXXX.
has called me several times and hangs up on me when I ask them to send me a copy of the contract signed where the account belongs to me, and they refuse to send it to me and to remove the negative file even though I have requested a dispute from XXXX, they consistently and illegally Harrass me on my cell phone and try to collect a debt that does not believe my to me. Please contact me for any questions.
XXXX XXXX XXXX
|
| 08/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have disputed a collection on my credit file and they removed the collection from my file on XX/XX/XXXX and recently has been returned to collect from me for a medical reasons to which I have had my insurance that has covered everything for the last several years now and I have to be frank the company trying to recollect what you have already deleted from my file on XX/XX/XXXX is unnecessary and I have been told that my identity had been comprised and personal information about my identity had been used.
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Medical bill in the amount of XXXX was added back onto my credit report on XX/XX/XXXX after being dropped 2 years ago. The original date of the ER bill is from before XXXX, over 7 years.
Commonwealth Finance contacted me one time on XX/XX/XXXX, XXXX mail correspondence, and wanted me to verify my social security number. I refused, since they wouldn't tell me who the call was from and wasn't comfortable providing my information, then I hung up. The next day, XXXX alerted me to a collection on my account.
|
| 08/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Financial refuses to remove this medical bill from XXXX from my credit report, they put it on my credit report with no notice in middle of XXXX and didn't give me an opportunity to give them the facts of this case.
The original creditor cancelled the debt and sent me and them a letter and they refuse to listen to them. They refuse to verify information, refuse to give me any information on this debt. I had to go down a rabbit hole to find out what this debt was and the debt is not even mine.
|
| 11/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
|
| 07/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received letter dated XX/XX/XXXX from collection agency. In letter, it stated I had 30 days to dispute the validity of this debt or any portion thereof. I sent a letter to this company certified disputing the validity of this debt and requesting that this agency validate this debt belonging to me. This debt continues to be resold to various collection agencies and each time, each company continues to fail to validate debt and have had to remove it from my credit report. This debt does not belong to me.
|
| 12/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I asked commonwealth financial for info on this acct and they could not give it to me. I asked if they had signed hipa form and they stated they did not. Told me to call original creditor. I called XXXX XXXXXXXX XXXX and after being transferred and on hold for over 45 mins they told me they have NO OUTSTANDING BILLS for me. XXXX from their office told me to call XXXX I spoke to XXXX and he said he sees were this was disputed but they keep confirming the debt. He told me to call CFPB and file a complaint.
|
| 12/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021, a debt collection was opened against me by a company called " Commonwealth Financial ''. I have researched the company and could not find an email, address, phone number, or license number that enables them to collect debt in the state of Texas. On XX/XX/2021 I contacted the secretary of state for Texas to validate this entity. Per the documents I was sent by the SOS, it appears that this entity is not valid. Please see the attachment. I have reasons to believe this is a scam.
Thank you
|
| 10/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 09/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company did not send any written communication prior to adding this account to my credit report. Per FDCPA every company is required to send a written notice for collection accounts prior to reporting an alleged debt to the data furnishers ( XXXX, XXXX and XXXX ) that was not done. I did not get the opportunity to dispute this debt due to the companies lack of following the Fair Debt Collections Practices Act.
This has created a situation where I am not able to move. due to the companies failures.
|
| 09/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth financial system has place a collection on my credit report and the debt is not mine. This was already disputed and removed from my credit report, which was reported by XXXX XXXX XXXX XXXX XXXX amount of XXXX. The date was XXXX of 2013. My dispute is I have insurance and am not aware of the time frame Im seeing in my credit report. It also says date of first delinquent is XX/XX/13. Ive always had insurance, this is some type of fraud or someone used my information to seek medical treatment.
|
| 03/06/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Furthermore, this debt has already been disputed and removed from my credit report multiple times, under the name of different debt collection agencies.
|
| 02/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My mother took my son XXXX XXXX on XXXX XXXX 2013 and provided XXXX XXXX Hospital with his Medicaid XXXX card member id # XXXX. The hospital was paid but the dr 's office XXXX XXXX was not and never received any bills from them. I had this account removed from my credit report last year because per Florida Medicaid law when a recipient has Medicaid and provide the hospital with their insurance card they are not liable for any hospital bills from the visit. Per Medicaid they can send the bill for payment
|
| 11/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am a XXXX XXXX XXXX veteran. Common wealth financial has put a {$1800.00} charge on my credit report for a medical bill that belongs to the VA. In XXXX the VA was held responsible for not paying medical bill including mine. This shows on my credit report as of XXXX XX/XX/XXXX. I do not accept responsibility for this charge. I ask that this charge be removed from my credit report immediately. I have not been to the emergency room for well over 2 years and if I was it would have been covered by the VA.
|
| 07/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
previous complaint XXXX is not resolved & the nature of the complaint remains the same. I still receive calls daily. Today I received my most recent call from the number listed on the complaint at XXXX XXXX central time. the company response to my previous complaint suggested that I may have additional numbers that I need to provide ; however, XXXX is the only number for my business. I 'm very frustrated with the lack of resolution in dealing with this issue & hope that you can influence a result soon.
|
| 04/28/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt was paid and removed in XXXX XXXX. In XXXX XXXX the XXXX accounts were reinserted on my credit report by commonwealth financial. Commonwealth removed the information then replaced the information on my credit report under northeast credit and collect. These accounts were paid and removed they should never have been reinserted. Also accounts are from XXXX, past the statue of limitations on which it can report. Please remove the accounts from my credit file with all three credit bureaus immediately.
|
| 02/05/2016 |
Yes |
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
I have been trying to contact this company for the longest with trying to resolve this issue. They would never answer the phones ; I have also sent them plenty of letters at address XXXX XXXX XXXX XXXX, XXXX, PA XXXX and I also have been calling telephone number ( XXXX ) XXXX. When they first begin to call me I use to get people yelling through the phone telling me that my credit will stay bad if I do n't settle with them now. I would get calls back to back to back but now the phones call have stopped.
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent commonwealth financial a validation of a debt letter and in return they sent an itemized statement, ( in which I asked for a validation of debt. ) They've yet to validate the debt that belongs to the hospital in which commonwealth bought. When talking to commonwealth, after not receiving what I asked for, they were rude, and hung up during me speaking, after stating they sent out paperwork. Might I add, again not DEBT Validation. Another CSR even stated they should of been removed from bureaus.
|
| 08/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
I received an email saying that my credit score had changed so I looked at my credit report and it showed a online bill pay alert ( unpaid ), an XXXX XXXX XXXX XXXX XXXX XXXX company ( again unpaid ) and a XXXX XXXX XXXX company ( yet again unpaid ). I applied for a loan in XX/XX/XXXX through the a credit union and was told ( and received a letter to effect ) that I had absolutely no credit ... neither good nor bad. Now in the span of months I've got bad credit when I never apply for anything. Ever.
|
| 06/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have repeatedly stated that this is NOT my debt yet I have not been provided any information as to why they think it is mine. This is in connection with a debt for a " XXXX XXXX XXXX ''. I have never gone to an XXXX since living in XXXX. This is NOT my debt. I am asking for the last time that I be provided information / signature, SOMETHING that makes them think this is mine. I am prepared to file this with an attorney and sue for damages as well. I need to hear a resolution back by XXXX XXXX, 2016.
|
| 03/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I'm unsure about why this company is calling me. They stated they were from Commonwealth Financial and asked to speak with me. Once I identified myself they asked me to confirm personal details including my SSN. I informed them that I would not disclose any personal information unless they told me why they were calling. They refused to do so. I am not familiar with this company and thus I do not know if they are calling about a debt or if this is a scam. I told them as much before they hung up on me.
|
| 07/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Disputed with company directly as well as with Credit bureaus Numerous times requesting validation AND verification of debt via certified mail and online disputes tool.
Each came back verified with out proof even with an attached FTC report of Identity theft. It has been months and most recent request for verification is now past 30 days without the requested verification. I have also filed a FTC report due to this not being verified because these are not my debts.
-COMMONWEALTH FINANCIAL SYSTEMS
|
| 04/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Common Wealth financial services is trying to collect a debt that was closed out twice. They purchased the closed debt, and are now trying to make money off the closed account. I would like this account removed from my credit report. This should be labeled as fraud, and against the law. I would like a file taken out on this company, and their unfair, and unethical business practices. I will continue to fight this, and file complaints up the echelon of governing bodies until someone looks into this.
|
| 06/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Collection account from CFSI Commonwealth Financial Systems for {$120.00} listed on XXXX report as original source XXXX XXXX XXXX XXXX. Reported XXXX. Disputed with XXXX to verify that I actually own this debt. Have disputed in the past other reporting agencies removed due to cant verify that I owe this debt but XXXX is still continuing to report it although debt has never been verified with original sources of information reported with the original contract or service agreement with my signature.
|
| 07/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Commonwealth Finanancial is in violation of my rights. This is my 4th complaint to the CFPB. Commonwealth
has responded to each complaint in writing claiming that they will remove these accounts from my credit report.
After finally doing so from all three bureau 's, they have come back and put them back on my XXXX credit report a week later.
By doing so they have damaged my credit scores tremendously I have not received any notice from them and therefore they are in violation and facing law suit.
|
| 05/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The fraudulent lender on my most recent report is COMMONWEALTH FINANCIAL and Their contact number is XXXX. I called and spoke with the company. Apparently these charges were for a property located on XXXX XXXX. I am not associated with that property. The person who received medical care does not fit the description of anyone in my household nor do they live at my address. This is a fraudulent charge against me. I have always maintained excellent credit and dont want this fraud to impact my score.
|
| 12/05/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX a medical collection for XXXX dollars should up on my credit report from commonwealth finance located at XXXX XXXX XXXX XXXX PA XXXX without my knowledge or consent my medical insurance paid this debt. Plus in XXXX of last year they past a notice that said medical debts under XXXX will not should up on my credit report and it also stated that i would have at least a year to pay the debt it it was minds.This is lawful practices and against the law.Please remove from my credit report.
|
| 10/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2020 I received a notification on my credit report, from the company Commonwealth finance, located XXXX XXXX XXXX, XXXX, PA XXXX. A bill with the amount of {$1500.00} from XXXX XXXX XXXX XXXX showed up on my credit report, I soon after contacted the company, and was told they knew nothing about this bill. commonwealth hasnt been forthcoming with any information, I have not received any letter in the mail or phone call this account went straight to collections, and it isnt a real account.
|
| 05/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, Commonwealth Financial Systems sent me a letter XX/XX/2019 trying to bill me for {$820.00} for a hospital visit. The alleged original creditor is " XXXX XXXX ''. The current creditor is apparently XXXX XXXX XXXX.
I have proof of my last payment to the hospital. I called the hospital and I no longer owe them any money ( they said I am clear ).
If you look here ( XXXX XXXX XXXX ) the company is known for running this type of scam.
Please let me know if you need any more information.
|
| 01/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Commonwealth Financial ( a debt collector ) reported a debt on my credit reports without notifying me of any debt owed. I have been fighting for many years regarding 2 amounts not owed by me that continue to be bought and sold by creditors and then reported on my credit without my knowledge. Disputes get acknowledged and the reporting removed only for the next creditor to repeat the same actions of that it acquired the fraudulent debt from. Please see that it is removed from all credit reports.
|
| 08/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Commonwealth collection agency is attempting to collect a debt that has already been paid by my insurance company. This particular debt keeps on Being sold to collection agencies. Who in return report a paid account to my consumer report. I am currently taking legal actions against XXXX XXXX the original creditor regarding this matter. And will add Commonwealth to litigation if need be. If Commonwealth have any questions to please contact my attorney at XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX
|
| 07/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Since XXXX XXXX, 2016 Commonwealth Financial Systems tried to collect {$410.00} of erroneous " medical '' debt I do not owe. I disputed the accuracy of their listing on my credit reports and they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I told them as per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification.
|
| 12/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XXXX XXXX 2017, CommonWealth Financial Systems reported Four ( 4 ) new collection to the Credit Bureau 's at the amount of {$61.00}, {$1500.00}, {$110.00} and {$70.00}.
CommonWealth is not valid to collect in the state of Florida and it also shows that company license is revoked /voided.
I am requesting company to stop reporting to the Credit Bureau 's and also to remove/delete what have been reported.
Collection Agency CommonWealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX
|
| 09/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
A debt was entered onto my Credit report on XX/XX/2019 in the amount of {$510.00}. The Creditor was COMMONWEALTH FINANCIAL. I was not notified by mail, email or phone by the creditor to validate the debt. I mailed COMMONWEALTH FINANCIAL a certified letter with signature service requesting more information on the validity of the said debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I have not received any requested documentation from COMMONWEALTH FINANCIAL.
|
| 10/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I do n't know what this debt is-I 'm pulling the information off my credit report. I called the collection company and they have my information. But it 's for medical debts in texas, I have n't lived in Texas for over 10 years. I contacted my health insurance company and they have no recorded of any request for payment for hospital or doctor offices in Texas. What I did find out, is the debts are over 6 years old so they do n't have much of a record. But these debts keep sitting on my credit.
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| 04/08/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Commonwealth Financial and XXXX XXXX are reporting debt on the same account. The account was paid XXXX 2014 to Commonwealth Financial. I have supporting documentation to support my claim. I have faxed this information to all credit bureaus including XXXX XXXX and each time I am told my information has not been received. I also mailed documentation to XXXX and XXXX via XXXX still with no result. I have done the responsible thing by paying my debt and yet it shows that I still owe on this debt.
|
| 01/25/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I disputed a collection on my XXXX on XXXX. The debt collector sent a letter with private medical information, no written consent for them to have this, so they violated XXXX. I dont feel it was investigated, as I also included proof that the was in 2016 and its being reported as a new debt. I didnt know of this debt because I was covered by Medicaid, but found out they had my information incorrect, so it didnt cover this debt. I cant contact the original debtor because they no longer exist.
|
| 08/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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A debt posted to my credit report by this company in the amount of {$750.00} XX/XX/2020. I was not aware of it. But then it became derogatory in XX/XX/2020.
They never sent me a debt incurred letter, They never sent an invoice. And they didn't send a collection letter Upon further investigation, I realized this was a debt I disputed with the same company about a year ago. I can not understand the greed and thievery that is motivating their deceit.
I just attempted calling, with no results.
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| 12/08/2020 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Commonwealth have violated my HIPPA rights!!!!
Commonwealth sent information about my medical records without sending me a copy of a HIPPA release form. Commonwealth have violated the HIPPA laws and they have one or two options : 1. Pay me a fine of {$50000.00} for violating my rights or 2. Remove this from my credit file ***If this is not removed from my credit report within the next 30 days my lawyer will be in touch for the lawsuit of HIPPA Violation and we will be suing for {$50000.00}
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| 07/14/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This debt is from 2016. I never heard anything about this from XXXX XXXX Hospital or any other agency until 2016. I called XXXX XXXX Hospital and XXXX XXXX XXXX and neither have any record of the debt and say they do not use this collection agency. I sent a letter to Common Wealth requesting documentation of the debt. They did not respond. They keep reporting it to my Credit report causing damage! I feel blackmailed into paying this just to stop the damage to my credit! Can you help please!
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| 06/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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On XXXX XXXX, 2016 I received a copy of my credit report and notice an account from Common Wealth Financial that I do not recognize. I sent a validation letter to Common Wealth Financial requesting information on the account they claim I owe them. The letter was sent on XXXX XXXX, 2016. They have not provided proof that this account belongs to me. I also sent dispute letters to each of the credit bureaus. XXXX and XXXX have deleted the accounts however XXXX continues to report this account.
|
| 06/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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I was a victim of identity theft. I filled out an affidavit with a notary I also have a police report. I mailed, faxed and email my document to Common Wealth Financial Service beginning in XXXX. I have called numerous time to get my situation resolved. I have yet to receive any details of the bill who I owe and why I owe. It has been well over 30-60 days. Each time I call in I get the run around from very unprofessional representatives. We are waiting but never given a description of what.
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| 02/10/2017 |
No |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
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COMMONWEALTH FINANCIAL has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe COMMONWEALTH FINANCIAL any alleged debt and would like them to provide proof of claim with authenticated verification. COMMONWEALTH FINANCIAL has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
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| 07/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXXXXXX Keeps Selling An Alleged Debt To 3rd Party Collection Agencies To Try And Collect. I Have Never Done Business With Commonwealth Financial Systems, Nor Have I Ever Entered Into Any Agreement With Them. I Have Disputed This Debt With Commonwealth, It's Been Over 30 Days And I Have Not Heard Back From Them. The Law States They Have 30 Days To Respond And They Have Not. I Need This Alleged Debt Of A Petty {$60.00} To Be Discharged Immediately And Removed From My Credit Report.
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| 08/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Early on the morning of XXXX I received an email alert from XXXX indicating a " credit alert ''. When I checked, I was told that a company called Commonwealth Financial - XXXX XXXX XXXX XXXX XXXX, PA XXXX Had placed a " seriously delinquent '' credit report on my file for {$390.00} effective XX/XX/XXXX. I have not borrowed money in several years and have no idea what this is for. Furthermore, I have had no communication from this company about this alleged debt. It needs to be removed.
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
|
I have noticed new collections on my credit reports and these Medical bills reported without any notice. No calls, no mail, nothing. According to the collection law they must meet guidelines before reporting to the credit bureaus.
I was unemployed at the time these bills were acquired and should have been filed with the medical facilities for assistance for payments. I have never received a call, bill or any information from them and now it's with collections and on my credit reports.
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| 04/22/2022 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I have a medical debt for {$1000.00} thats involved for last 6 and half years in subrogation and litigation with hospital and my lawyers, this bill is involved in litigation still and a collection agency shouldnt be able to give me bad credit reporting when my lawyers are involved in trying to settle this account .. the bad reporting should be removed immediately. The debt collector common wealth financial needs to contact my attorney XXXX, XXXX XXXX XXXX XXXX XXXX regarding this debt
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| 06/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Common wealth financial reported past due medical bill debt to the credit bureaus without contacting me about this debt first. I did not receive any calls, nothing in the mail, no email. I was not aware of this debt, I would have paid it off or set up a payment plan. This debt can not be considered past due when I wasnt even notified about it. Once I saw the debt on my credit report, I XXXX the company name and contacted them. They sent me the letter to my email that I have attached.
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| 06/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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the company commonwealth financial have went ahead and enter on credit file two amounts that is not mine from XXXX XXXX for ammount XXXX AND XXXX for date XXXX, I have not gone to this hospital at all for any treatment or visit, so this debt is for someone else and need to de deleted asap, the tel # XXXX address : XXXX XXXX XXXX, XXXX, pa. XXXX. They have the wrong person credit file, need deleted from XXXX, XXXX, and XXXX. please you have help me before and I was happy with results.
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| 11/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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My credit report is showing I owe a collection agency ( COMMONWEALTH FINANCIAL SYSTEMS, INC ) for 2 medical services I NEVER received, let alone step into a hospital! I am in NO WAY ASSOCIATED with this claim and ask that this is removed from my report. I have done research on this company and see that it is a FRAUDULENT COMPANY that has done this to many people!
{$1100.00} Opened XX/XX/2018 ( 1 mo ) Account status Open {$780.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type
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| 12/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Hello, I'm requesting a collection from Common Wealth Financial located in XXXX XXXX PA to remove a collection from my XXXX credit report for {$2900.00}. The original creditor is XXXX XXXX XXXX. Back in XXXX I was a victim of XXXX XXXXXXXX and I have a XXXX XXXX against my ex husband. I had to be transported to the ER I believe in XX/XX/XXXX and I paid my ER bill. I never received an ambulatory bill. It's now XXXX and it's showing up on my credit. The XXXX XXXX case number is XXXX.
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| 11/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have been fighting reporting on my credit bureau for more than 5 years. I have explained I have no knowledge of this debt over and over again for them to remove the debt and then they sell it to someone else who then trys to collect all over again. The information I know is only due to the many times this has been attempted collection. In the state of Florida, this debt ( for whomever the owner is ) has far passed the statute of limitations and should be removed as uncollectable.
|
| 03/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I HAVE A MEDICAL DEBT FROM A XXXX XXXX THAT IS BETWEEN 15-20 YEARS OLD.
I HAVE DISPUTED THIS WITH XXXX AT LEAST FOUR TIMES ON XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX WITH THE DEBT BEING DELETED ONLY TO SHOW UP AGAIN THE LATEST NOW IS XX/XX/XXXX. THE DEBTOR IS COMMONWEALTH FINANCIAL SYSTEMS WHO IS THE ORIGINAL DEBTOR BUT SOMETIMES HAS SHOWN UP WITH ANOTHER DEBT COLLECTORS NAME.
I MEAN HOW LONG CAN THEY CONTINUE THIS HARRASSMENT?? IT ISN'T FAIR THEY KEEP DOING THIS. THANK YOU
|
| 02/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I was notified on XX/XX/XXXX at XXXX that I owed {$5700.00} from dates of services XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX. The company that called me did NOT leave a voicemail in which I called back. The company is called Common Wealth Financial Systems, Inc. I have never been back to back to this facility ever before. Its scary because these dates do NOT sound familiar at all and I didn't receive anything in the mail I also have NEVER been called from this facility.
|
| 11/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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I noticed a collection was added to my XXXX account from Common Wealth in the amount of {$1600.00}. The original creditor is XXXX XXXX XXXX XXXX.
But there is another collection agency currently reporting and trying to collect on this same account. To my knowledge, it is illegal for two collection agencies to collect on the same debt.
Commonwealth has NEVER sent me a dunning letter or provided any proof that they are legally able to collect on this debt or that it is accurate.
|
| 09/07/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I reviewed my credit report in XXXX XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Commonwealth Financial. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They claim I owe them {$510.00}, this account appear that the amount includes fees or interest. This letter was sent XXXX XXXX, XXXX and I have not received a response to date.
|
| 11/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had an email from XXXX saying that I had an alert on my credit report on XX/XX/2020. I checked my credit report and it said Commonwealth Financial was trying to collect a debt of {$520.00} and I had a derogatory account. I have received no phone calls, emails or anything about this debt? I dont think it is mine. Im not sure how to get ahold of the company and if this is fraud or not. I dont have any debt for that amount. This is a false debt and I would like to clear this up.
|
| 06/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is claiming that I owe them a balance of {$450.00} as of XXXX XXXX and have placed a negative collection account on my credit without my knowledge. I disputed this item recently on XXXX XXXX XXXX due to fact that they are trying to collect on a debt that is unverified and they also have a revoked license! It appears this company is doing business illegally in my state and have failed to verify the alleged collection account as well as their license status.
|
| 05/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
CFSI damaged my credit by reporting a debt that should be/was taken care of by my employer insurance ... I have been with my company since XX/XX/2012currently and still working there..even if my employer changed insurance I still would be covered as we don't " lapse '' our insurance ... the bill I received from XXXX XXXX XXXX XXXX clearly shows I owe {$0.00} ... this seems like unlawful practice on Commonwealth financial systems behalf and they should be ashamed of themselves
|
| 02/22/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have been working on my credit for the last year or more to get my score higher, I monitor my credit and my mail daily. This company Commonwealth just posted a collection to my report without sending me a 30 day notice letter to either dispute the claim or settle it. I have not spoken with them nor have they sent me anything in the mail at all. Had I had been given this opportunity I would have taken care of this one way or the other before the collection ever hit my report.
|
| 04/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company believes I went to the hospital in late 2015, but I have no records or numbers confirming this. At that point, I was never at the hospital, and it has appeared on my credit report four years after that supposed visitation. I would like it removed from my report, as I feel I was wrongfully charged. I even looked at the website to try and figure out why this was happening, and nothing seems user-friendly, nor does it offer an efficient way to handle this situation.
|
| 03/15/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I have made XXXX attempts to have a fraudulent account from Common Wealth Financial removed from my credit profile. I was never contacted by them however, I have reached out to them via certified mail once I discovered the account on my credit and they have yet to respond or communicate with me- but they are telling the credit bureaus the account is mine.
Also it appears the account is for a medical bill when I have also be insured without any interruptions and I work XXXX.
|
| 07/28/2015 |
Yes |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Older American, Servicemember |
|
The debt-collection agency, Commonwealth Financial Systems Inc., received my XXXX. XXXX certified - return receipt letter on XXXX XXXX, 2015, which was my dispute of their alleged debt and my direction to discontinue contact with me. I retain the postal return-receipt card, identifying Commonwealth 's receiving my certified mail on that date. Still, Commonwealth continues to call me and their most-recent call originated from their phone number XXXX at XXXX on XXXX XXXX, 2015.
|
| 05/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1100.00} This item is was paid in full it is also over 8 years old. I have contacted the agency asking for proof of debt but have not received any correspondent. They are in violation of my rights per fair reporting act
|
| 03/14/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This company popped up on my report a few weeks ago and I never received any type of notice about it. I asked for it to be removed and be sent proper documents about collection. I then asked them to remove it also because it totals {$200.00} which is under the {$500.00} limit and should have not been placed on my credit any way.
Company : Commonwealth Amount : {$200.00} I have no idea about anything else as I have never received anything from them regarding this account.
|
| 07/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
I was only aware of the company today XXXX XX/XX/XXXX XXXX as they re ported a collection to the credit bureau XXXX. I didn't know who they were and why they were saying they try to collect from me. I had the same address until XX/XX/XXXX and still have the same phone number I have had for over 20 years. No correspondence from this company or anyone else they claim to represent XXXX XXXX XXXX XXXX XXXX. I called the comopany to find out who they were and what they wanted.
|
| 08/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have 2 collections for fraudulent accounts. The first is for the sum of {$2200.00} and the second for {$890.00}.
1. COMMONWEALTH FINANCIAL SYSTEMS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2022 Collection Amount {$2200.00} 2.
COMMONWEALTH FINANCIAL SYSTEMS Account number XXXX Account type Collection Date opened XX/XX/2022 Status Collection account. {$890.00} These accounts and transactions are fraudulent, not made by me.
|
| 11/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Ive disputed two accounts with XXXX several times and they keep saying that the accounts have been verified and updated. I disp The XXXX XXXX Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with commonwealth financial is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.
|
| 06/28/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
For the past three years I have been going back and fourth with this collection company name Commonwealth Financial Inc. over a XXXX medical bills that they even said was n't mine but yet this is the third time after taking the bills off they put it back on and as of today once again they said that it 's not mine but it 's on my credit report again but the scary thing is they do n't have my social security number so when I asked how is it on my report I get no response.
|
| 02/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I mailed a letter of VALIDATION to Commonwealth Finance for 6 different accounts via certified mail. I haven't had any knowledge of these debts or any contract with this company so I requested VALIDATION. This company received my letters on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. The response did NOT include ANYTHING that VALIDATES the debts are mine. This company did NOT provide ANY documents with signature for VALIDATION as requested.
|
| 10/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Emergency room visit for 3 hours and got {$15000.00} bill. Refused to pay. Date of Service XXXX/XXXX/XXXX. Hospital wrote it off on XXXX/XXXX/XXXX. Commonwealth Financial Systems started harassing me and reporting me to credit bureau XXXX. The debt has been charges off since XXXX. They are attempting to collect a debt that does not exist. The debt was turned over to my attorney and I assume he had it reversed. I want the prosecuted and fined for their illegal practice.
|
| 04/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
common wealth financial is falsely reporting collections on my XXXX, XXXX, and XXXX. I received a response stating they can't even find me in their system but how are you falsely reporting information to the bureaus? Claiming XXXX dollars is owed to them and I have never heard of this company before this past week. I gave them the account number on my profile and they can't find it in their system so how are you reporting false information damaging my credit scores???
|
| 04/11/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I am a victim of identity theft and noticed a collection from COMMONWEALTH FINANCIAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against COMMONWEALTH FINANCIAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
|
| 04/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I lived in XXXX XXXX at the time of the debt. date of service on these accounts were from XXXX, XXXX, XXXX at the XXXX XXXX XXXX XXXX XXXX. I paid these accounts over a period of time with one of the XXXX accountants. I made monthly payments until it was paid off. Now last week a financial institution posted those old depts on my credit report. I don't have my receipts as it was so long ago and i have moved 4 times since then. My credit score tanked because of this.
|
| 02/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Commonwealth financial does not have a license to collect in the state of Florida. I have sent a letter of validation that I may or may owe any debt to the company commonwealth financial. Commonwealth has failed to validate any information that includes my signature when this debt became payable or any other requests that I have asked. I also feel that commonwealth financial might also be in HIPPA violation being that this is a medical bill that I may or may not owe.
|
| 07/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX. XXXX XXXX XXXX, XXXX, {$1500.00} XXXX. XXXX XXXX XXXXXXXX, XXXX, {$1200.00}.
XXXX. XXXX XXXX XXXX XXXX, {$340.00} XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX, {$9000.00} XXXX XXXX XXXX XXXX XXXXXXXX, {$740.00} XXXX XXXX XXXX XXXX XXXXXXXX, {$570.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation
|
| 01/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
This company repeatedly shared protected health information to the credit bureaus without a prior authorization of release. The medical diagnosis and procedures was sent not only to me, but to XXXX, XXXX and XXXX. This HIPPA Violation and FCRA violation is on going. I just recently found out that this information was also given to another agency as well XXXX XXXX XXXX XXXX, XXXX. The protected health information was breached more than 4 times that I have proof of.
|
| 12/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have a signed contract nor any contract with COMMONWEALTH FINANCIAL. I have never done business with this company. I am not liable for collection from this debt from COMMONWEALTH FINANCIAL. I am not responsible for this debt with COMMONWEALTH FINANCIAL. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
|
| 12/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have a signed contract nor any contract with COMMONWEALTH FINANCIAL. I have never done business with this company. I am not liable for collection from this debt from COMMONWEALTH FINANCIAL. I am not responsible for this debt with COMMONWEALTH FINANCIAL. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
|
| 03/17/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
The company of " common wealth '' phone number ( XXXX ) XXXX, stated I was being sued for a debt from 2009. This debt is no longer on my credit report. When I asked about this, he stated that the debt collection has been reopened and that I would be taken to XXXX courthouse. There is no courthouse in XXXX. He told me I had XXXX hours to agree to a payment otherwise my {$1300.00} debt would turn into {$5000.00} debt and they would garnish wages among other things.
|
| 02/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Commonwealth is trying to collect a debt from me for XXXX XXXX XXXX XXXX. I contacted original creditor in 2014 and they sent a letter to Commonwealth that the debt did not belong to my SS # and to remove all debt from my acct. Commonwealth did so. However one year later they put the debt back on my account. I called them and told them it was a mistake, they agreed it was and told me to dispute it. I have disputed it but it keeps coming back on my credit reports.
|
| 09/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am not liable for this alleged debt debt with XXXX XXXX XXXX XXXX, and I absolutely not have a contract with Commonwealth Financial Systems. Plus they did not provide me with the original application like I asked after they illegally placed this negative account on my credit reports without sending me a dunning letter in the first place.
Account # : XXXX Amount : {$390.00} I demand that they close this account and delete it from my credit reports immediately.
|
| 10/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have received a debt collection letter for something i never had. The state that the services done is not a state i have ever been to. the state the services being billed for is a state outside of my current state and is false. I apparently received medical care at an emergency department which i never have been to. I receive all my care at one location which is the a gov hospital. The bill sent to me for a collection amount of XXXX for services done is false.
|
| 12/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/18 i received a letter in the mail from CFSI of an attempt to collect a debt. I did not recognize this alleged debt and sent a request in writing for Validation via Certified mail on XX/XX/18. It was received by CFSI on XX/XX/18. CFSI has failed to respond to my correspondence in writing as requested. According to the Fair Credit Reporting Act, CFSI has 30 days to respond to my request for validation or they must cease reporting and has failed to do so.
|
| 07/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Commonwealth financial is reporting against my credit score negatively and is reporting that the account is only 2 months old when in reality its been at least 7 years since I may or may not have used the services of XXXX XXXX and fire department for an emergency situation. The debt should have fallen off my credit report by now. I am trying to rebuild my credit and am not against working with the collection agency but should not be shown as a new account.
|
| 06/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XX/XX/2020 two medical collection bills were placed on my credit report ( s ) by Commonwealth Finance Co ... .collecting for XXXX of XXXX County . Without due process ... process to include written notification of the debt and allowing me to dispute and request validation, Commonwealth Finance just went ahead and reported the damaging information to all 3 credit bureaus.
They are attempting to collect {$430.00} on acct # XXXX and {$430.00} on acct # XXXX
|
| 08/03/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I viewed my XXXX credit report in XXXX 2015. I notieced a collection account that was added by Commonwealth Financial XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) in XXXX 2015. I never received any letter or phone call regarding this alleged account. Since I found this on my credit report - I contacted, via certified mail, the collection agency and still have not heard anything from them. This collection agency is not complying with the dunning notice requirement.
|
| 09/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received a letter from Commonwealth Financial Systems dated XXXX XXXX XXXX. The letter stated that I had 30 days to dispute the validity of the debt. On XXXX XXXX, Commonwealth Financial Systems reported several accounts on my credit file. Commonwealth Financial Systems violated their terms of agreement for a 30 day response by reporting to the credit bureaus ' prematurely. The last day of response would have been XXXX. I have attached files for your review.
|
| 03/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Claim XXXX was closed but collection agency continues to provide false information regarding the debt. They continue to list debt as being only four months old, instead of the actual date of service by original owner, XXXX XXXX XXXX XXXX XXXX XXXX which is XX/XX/2018.
Listing it as a new debt is harmful to my credit and should be revised immediately. The company pleads ignorance in how the date is listed, which is falsifying information regarding this debt.
|
| 03/12/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have been fighting with Commonwealth Financial systems in XXXX Pennsylvania for the past 2 months to get them to send the assignment of debt letter per Florida statute 559 .27 and they have yet to send said assignment of debt letter that gives me the 30-day mandated dispute of validity. I have asked for them to remove all trade lines from all credit bureaus and while they have told me that this was done I still see their tradeline on my XXXX credit bureau.
|
| 10/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notification from my credit reports that I have a new collection. I checked into it to see who and what it is from and the collector is Commonwealth Financial. I have not received any phone calls, letters, or anything attempting to collect a debt. I searched the Secretary of State website of Texas to try and gather more information, however they are not licensed to collect in Texas. They are claiming that I owe {$92.00}, to whom I do not know.
|
| 09/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am filing a complaint due to ongoing harassment from collections companies. These calls have been causing undue stress and inconvenience. Moreover, these alleged debts are not mine but are the result of identity theft that occurred in 2018.
Description of the Issue : I have been receiving frequent and intrusive calls from various phone numbers, often in the early morning and late afternoon. These calls are disruptive to both my personal and work life.
|
| 02/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received notice via XXXX that my credit score decreased due to a collection added from COMMONWEALTH FINANCE for {$580.00}. I do not recall doing business with this company nor did I receive any notices in regards to this bill that would have allowed me to dispute it. The account was opened XX/XX/2017 and I had no medical services at this time.
I have contacted the company in an attempt to verify this debt is indeed mine but I have not heard from them.
|
| 11/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Approximately 4 months ago, I disputed this item through XXXX as not belonging to me. XXXX XXXXnvestigated and upon completion, the account was found to not belong to me and was deleted from my credit file. On XXXX XXXX, XXXX, this item was reinserted on my credit report. In accordance with the requirements of the FCRA, the consumer reporting agency should notify the consumer of the reinsertion 5 days prior to reinsertion. This is a violation of the FCRA.
|
| 06/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This company stated in response to my dispute on XXXX -2017 that t hey do n't have information for me in their system. I provided everything shown on my report as far as account number as again this company has not sent anything in the mail regarding this so called debt. I will not provide my social as using the partial account number and name should bring up something. Since they admitted they ca n't find me they need to remove from my credit reports.
|
| 05/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX Services do not allow for services to be rendered before being paid. This was a paid account. Somehow on XX/XX/XXXX they believe I owe an unpaid emergency services debt. I have never been to emergency with my daughter unless it was paid so this must be someone elses report.
XXXX account reported on XX/XX/XXXXOpenAccount # XXXX $ XXXX Creditor $ XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNote
|
| 05/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Commonwealth financial is reporting to collections outside of the statue of limitations. They are sending me to collections six years after a bill. They never sent me a bill nor contacted me. The statue of limitations to report a debt is 4 years this bill was from XXXX and didnt report it until XXXX. I want these bills removed immediately! It is in the amount of XXXX and some change. The company is changing their story and refusing to abide by the law.
|
| 10/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a bill in 2017 from XXXX XXXX XXXX XXXX XXXX Arkansas for XXXX XXXX, in the amount of {$110.00}. Her mother, my sister, took XXXX to the emergency room and used my ID to check her into the ER. XXXX was a ward of the state on visitation when she was taken to the E.R. My sister, her mother, is responsible for the bill or the State of Arkansas because she was their ward in foster care. I called XXXX XXXX XXXX and they never updated the account.
|
| 04/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Commonwealth Financial - {$660.00} for a medical debt from when we lived in Texas. We have not lived in Texas since XX/XX/XXXX. So the account open date on this one is WAY off saying it was opened in XXXX. FCRA Section 605 ( c ) makes it illegal for creditors, collection agencies, or credit bureaus to " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.
|
| 03/13/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
Received letter dated XXXX XXXX 2016, XXXX XXXX XXXX, Amount {$1200.00} I called the company demanding original creditor information and who the account belonged to. They could not provide any information about the debt at all.
I sent a certified letter demanding validation of the debt with no response to this date.
I disputed with CRA 's but Commonwealth is affirming the debt.
This is fraudulent and needs to be removed from my CRA 's immediately.
|
| 04/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There are a couple items listed on my credit from this company which I have never been notified, they are unknown to me and I have health care coverage. These are false I need help I have disputed them with nothing being received. The accounts showing are as follows Commonwealth Financial XXXX {$880.00} Commonwealth Financial XXXX {$880.00} Again these are unknown and I have never done business with this company or any company for this amount of debt.
|
| 10/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX collections reported an account with the amount of {$490.00} on XXXX XXXX and XXXX XXXX of XXXX. I have never received any mail or proof of Validation nor Verification from the company before they reported this. I am requesting that they send ALL DOCUMENTATIONS THAT SHOW I HAVE A CONTRACT WITH THEIR COMPANY ( I need to see my Actual signature on these documents ) Also send me proof that they have spoken with me before reporting this account.
|
| 03/27/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have contacted you regarding a collection agencies that will not stop trying to collect a medical bill that can not be paid by insurance for not having the copy of the actual bill. All three of the companies are affiliated with XXXX company. XXXX XXXX XXXX. XXXX of the collection agencies have been resolved and removed from my credit reporting. I thank you for looking into this to matter to re solve this complaint, XXXX XXXX XXXX XXXX
( XXXX ) XXXX
|
| 07/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The company has never reach out to me regarding the debt. The company keeps reporting the debt as an open debt as of XXXX. A certified letter was mailed out to the company back in XX/XX/XXXX asking for verification of dates of service and other necessary information. The company failed to respond to certified letter and no communication has ever been received from company however company is still reporting to credit with last reporting of XX/XX/XXXX.
|
| 11/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
There are 2 collections reporting on XXXX with Commonwealth one in the amount of XXXX the other XXXX and I have been disputing this for some time now. Every time I try to get validation of the debt they show a new open date. Now it 's showing the two things just opened. I have not been to the hospital in over 4 or 5 years and this continuously reports a new open date.
I have never received anything from a doctor 's office indicating I owed anything
|
| 08/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account COMMONWEALTH FINANCIAL SYSTEMS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that COMMONWEALTH FINANCIAL SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 09/22/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
NE CRDT COL Company violating the law. They never mail me a letter giving me a chance to disputes the claim { XXXX REPORT }. This is a Zombie debt .They did the same thing on my XXXX report, they could n't validated debt. The law is clear they supposed to send me a letter first ( XXXX ) before posting it on my report. CFPB need to stop company illegal debt this illegal debt practicing, They do n't have account number associate with account {$67.00}
|
| 01/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I disputed two items on my credit report via XXXX. The items listed by this company were removed. They have been unable to substantiate the negative item on my credit report. It was removed. Then, my report shows that it was re-reported on XX/XX/2017 AFTER they had already deleted it. NOTE : They do not have my permission to send anything to me via mail nor do they have permission to report my mailing-only address to any consumer reporting agency.
|
| 08/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This is a collection that has pained me for over 15 years way pass the statue of limitations I dont recognize this debt for the past 15 or so years I have been i have disputed this debt I get them off my credit they sell it to other creditors an get back on my credit and also change their names and code numbers this has been going on long enough its way past the statue of limitations I dont know what this debt is and I want the harassment to stop
|
| 11/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account COMMONWEALTH FINANCIAL SYSTEMS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that COMMONWEALTH FINANCIAL SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 04/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On several occasions for the last few 3 years I have sent several attempts to the following company XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, PA XXXX requesting validation for the following account XXXX in the amount of {$630.00}. The last several attempts were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. No response, letter of validation or any requested information has been received as of XX/XX/XXXX. Next letter will go out on XX/XX/XXXX
|
| 11/08/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This is not my debt and I never even received a debt collection letter. I received an electronic notification from XXXX XXXX that this collection agency added a delinquent account to my credit reports.
I want this company to produce ALL information, contracts with my signature, account summary from the original creditor, information showing the date this account became delinquent, and the date this account was originally placed for collection.
|
| 12/09/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX Dates : XXXX Amount : {$16000.00} I have contacted the Medical Facility who confirmed this was the XXXX XXXX Debt and they sent me all supporting documentation.
I contacted a attorney whom is going to file a suit if I am unable to get this resolved.
I have also contacted all 3 credit bureaus by phone and online and have disputed this twice now.
My supporting Documentation cleary shows the XXXX XXXX debt and responsibility.
|
| 03/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company has been calling me numerous times a day everyday. I eventually blocked the number and they now call over and over again from different numbers. I have spoken to several different representatives and tried to get information on this debt and amount because I have already spoken to the company directly, each time I was called a liar and told to PAY NOW! I believe this company is fraudulent and so is the charge on my credit report.
|
| 02/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Pease be advised that I requested validation from the collector of this account. I received a response that clearly violates my Hipaa rights. The collector did not provide me a Hipaa release that releases my medical information to them. Therefore by providing such information they are in violation of my Hipaa rights. I also feel that their response to my request for validation amounts to nothing more than a stall tactic which is also illegal.
|
| 02/16/2017 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
I have as of today received a reporting on my XXXX report for the total amount of {$840.00} from Commonwealth Finance for a medical bill that was deleted over 5 years ago ( I Have proof of when they did this on XXXX ). They keep reselling or re-aging every 2 years or so and reporting this to all bureaus and damaging my credit on in-validated debt. I have proof of previous deletions. This needs to stop and not take over 30 days to investigate.
|
| 09/23/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The above referenced debt is being reported in error and inaccurately on my credit report.
The account does not belong to me and this has been confirmed in writing by Commonwealth Financial/Northeast Credit & Collection. Please refer to the attached CFPB Complaint showing that this debt is for a minor and does not belong to me. It is worth noting that I am not the custodial parent or guardian of any child whom could have acquired this debt.
|
| 10/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
The debt was in the amount of {$870.00} from an incident that occurred in XXXX. I thought I had paid it then, but the company is stating it was not. However, I have not received any phone calls, letters, or messages that this debt was owed until it hit collections on XX/XX/XXXX and negatively impacted my credit score. Five years later is a huge gap in time and they should have reached out to me before it affected my credit report and score.
|
| 12/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, I received a notice about a new medical collection added to my credit profile. This is a LIE as my insurance paid this expense in full. I demand this to be removed at once as this is impacting my credit profile. I am also showing numerous inaccuracies, arent the active dates supposed to match under the FCRA? I will hire a credit consumer lawyer if needed and sue for all violations found. I have yet to receive any verification as well
|
| 12/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Car was flooded last year in the disaster that happened here in XXXX. I was told to bring vehicle to car shop. I did and the car was declared a total loss. I have contacted XXXX XXXX many times to tell them the vehicle is not drivable and theres nothing I can do about it. I have even sent them documentation of a report from the auto shop to prove its totaled. No one has came to get vehicle and they are still reporting negative on my report.
|
| 07/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX continues to report a medical collections of {$560.00} and provided the original creditor of XXXX XXXX XXXX. I have several emails with a representative from XXXX XXXX XXXX stating that they do not have my information in their system and this debt does not belong to me. XXXX has removed this collections account, however ; XXXX continues to report this debt.
|
| 08/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Commonwealth Finance has duplicate accounts in the collection on my credit score for the amount of {$700.00} on XXXX XXXX, 2017. They also have another collection in the amount of {$470.00}, on XXXX XXXX, 2017. I feel this is one account that they have reported has inaccuracies causing me to have 3 accounts in total- which is based off a singular debt. Which has effectively given me duplicate derogatory marks on my credit, off of one debt.
|
| 12/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I filed a company 2days ago to the FTC. THe COMMON WEALTH FINANCIAL IN PA. ACCORDING TO MY XXXX CREDIT REPORT. A COMPANY THAT HAS NEVER WRITTEN ANY DEBT COLLECTION TO ME. THEY NEVER DONE A DEBT VALIDATION of a debt They just put on inaccurate collection on my report. Now they are retaliating by putting it on my XXXX report a day after my complaint to the FTC. on XX/XX/2019 HERE is my complaint number with Ftc XXXX. Thanks for your help
|
| 12/09/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This is an insurance claim that I have talked to the provider about and provided insurance information to. I was covered by Medicaid and the provider is NOT suppose to bill me for anything other than the contracted co-pay set by Medicaid. {$1000.00} is NOT a co-pay. When I talked to the provider of the medical services, I gave them the insurance information and they said they would file it with Medicaid. I am not liable for this account.
|
| 09/26/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received an alert on my credit report of a collection account. I never received any communication from them. I do not believe I owe the bill but I was never provided an opportunity, or a copy of the original bill, to confirm it is legitimate. This is a scam that a collection company can report something without even contacting the debtor. This should be removed from my credit report and then provided to me to review and dispute or pay.
|
| 06/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
2 Different agencies are collecting a debt that I have no knowledge of. Both agencies are stating they are medical debt from XXXX XXXX XXXX from date XX/XX/2017. I have no knowledge of this debt. Additionally, this is past XXXX 6 year statute of limitations. I have disputed with both collections agencies and they are both still being reported to the credit bureaus. I have not received any documentation of this debt from either agency.
|
| 05/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Disputed reporting of two alleged adverse accounts on my credit report : Commonwealth Financial/Finance and XXXX XXXX. XXXX XXXX is reporting positively and negatively which is a clear violation of consumer rights. Have asked for validation, verification of accounts and have not heard back in over 120 days since the first correspondence. The first correspondence was in XXXX of XXXX, then again in XX/XX/XXXX, and finally in XX/XX/XXXX.
|
| 07/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
On XX/XX/2019 I received a phone call at XXXX XXXX from the company. When I expressed displeasure with the representative on the phone for the extremely early phone call he seemed completely unaware that there were laws governing when he could not call. While my phone number has a XXXX area code I have receive mail from this company at my home address in XXXX. The company is aware of how early they called me and violated the FDCPA.
|
| 03/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A collection or line of credit which is not mine and was not known to be and is fraud appeared recently on my report- the name is COMMONWEALTH FIANANCE located at XXXX XXXX XXXX, XXXX , PA XXXX per credit report and was opened XX/XX/2019 ( fraud ). There is no way to contact them and multiple complaints are online about the fraudulent company.the referenced account number is XXXX, related to a balance not owed but listed as {$580.00}.
|
| 03/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do not owe Common Wealth Financial for a debt. I did not go to the hospital on the date they have listed for this transaction XXXX/XXXX/2013. I have had to dispute items with them before and they were removed because they were placed in their office in error and I believe that this had been placed within there office as an error again as well. I have a previous letter of Placement in error from them for past issue with this company.
|
| 01/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I never received invoices or bills for this debt so I believe it may not be mine. I mailed the debt collector a letter of validation request on XX/XX/2021, however I was not responded back to. The letter included a request for validation and a 30 day time period for validation and that was not met. The account being disputed is says there is a charge of {$760.00} but as I said before I never received the requested validation or bill.
|
| 08/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received numerous calls and letters, and also checked my credit report. Common Wealth Finacial XXXX XXXX, XXXX P.A. XXXX has been harassing me saying, that I have 2 open accounts first they said it was for my son, then they said it was for me all the sudden. they said it was for emergency room visit, I have FULL COVERAGE INSURANCE, and did not visit the emergency room at all. for the amount ( s ) of {$150.00} and the other for XXXX
|
| 03/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As of XX/XX/2020 I received a notification that I had a new collection on me. I have not been to the hospital while uninsured in more than 5 years. I have not been to any type of emergency room or a hospital in over 2 years. This is not me. I demand to receive proof of this supposed debt. Legal actions will be taken if this is not removed from my credit. I have been working very hard cleaning up my credit and this is unacceptable!!!
|
| 10/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This bill should not have been given to me.
This was fraudulent activity that was done, and billed to the incorrect person.
When dealing with this before, it was removed several months ago ( {$640.00} ).
Now, it is back on my credit report and this is stopping me from closing on a home.
This bill does not belong to me. I am very very upset. This is not fair for someone who works hard, pays taxes, and pays bills all of the time.
|
| 08/23/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent a prior dispute to this collection agency. They stated they have sent bills to me which I have never received also from an account I have no knowledge of. I also researched that this company is/was collecting with an expired license cancel date was XX/XX/XXXX-2014. So on top of sending me an original contract with my signature, I need to see if Commonwealth Financial is authorized to be collecting in the state of Texas.
|
| 08/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2017 XXXX sent me a letter saying 2 accounts from common wealth financial systems inc. were deleted ( they were not mine ) and on XX/XX/2017 those 2 accounts were sold to another creditor whom is now re inserting them back onto my credit amounts of XXXX , XXXX . They arnt my debt yet they are putting them on my negative credit which were previously deleted by XXXX XXXX. Debt collectors are, XXXX XXXX XXXX and XXXX XXXX XXXX.
|
| 04/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this company reports, withdrawals neg reporting and reports again over and over, many times agreeing to remove, only to report it again, I have sent multiple letters each time and complained here repeatedly, they remove only to report it again, most recently XX/XX/2020 I have shown them over and over that my name or signature is not on this or ever a part of this and they have agreed repeatedly removed and reported again and again
|
| 10/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Common Wealth Financial System, recently sent a letter AFTER placing these derogatory items on my credit report. The notice is Dated XX/XX/2019, I received XX/XX/2019, and the data was placed on my credit prior to notifying me of my right to dispute.
Actually it was noted as XX/XX/2019.
Per FCRA you should notify the consumer, this company violated the FCRA and has damaged my credit.
Please review the attachment for reference.
|
| 04/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
A company named Common Wealth finance has put the same charge entry as new 12 separate times at the same time with a date of XXXX XXXX, XXXX on all three of my credit report recently. When all of those medical charges are old and should have been charged off 5 years ago with them possibly dropping off within the next two years. Now if they stay on there they won't come off until XXXX which will keep me from buying a home or a car.
|
| 05/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Commonwealth Financial keeps calling me on my cell phone over and over. Each time I speak to a rep there, they claim that they do not have the number they are calling in my system, yet I use my cell phone to tap the incoming number when I 'm calling them back. I have asked them numerous times to remove my number since I have no business with them and they have no business with me. Please help me make them stop calling my phone.
|
| 03/31/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
|
| 07/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I visited the emergency room sometime in XXXX at XXXX emergency and filed paperwork that I was unemployed at the time. They sold my debt to commonwealth financial systems and They have since put 3 deragatory remarks on my credit report indicating that I owe them money with a XX/XX/XXXX date, insinuating that this is a new account when in reality it is about 6 years old. The amounts are for {$870.00}, {$620.00} and {$590.00}.
|
| 10/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a medical debt which goes against The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge.
Also, this is not my debt. This debt is a result of identity theft. This debt should be removed from my credit report immediately.
|
| 06/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This complaint is about Commonwealth Financial Systems , Inc . I was never contacted by this company via mail to show my account was in collections. They can not verify this account is mine. They will take your money and never report it to the credit agencies. Its purely a scam. I feel bad for anyone affected by this company because theres really nothing we can do. My XXXX XXXX has dropped XXXX points due to these scam artist
|
| 10/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on COMMONWEALTH FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 11/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Commonwealth Financial System submitted a negative report on my credit bureau for an attempt to collect a medical debt of {$160.00} that I never received any advance notification for. I spoke with their representative for the first time 2 weeks ago and paid the debt on XX/XX/2021, however they submitted a negative report on my credit bureau. I want them to remove the negative remark from my credit bureau as soon as possible!
|
| 09/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Common Wealth Financial System Inc XXXX XXXX XXXX XXXX XXXX, PA XXXX Derogatory credit on my credit report. I sent letter XX/XX/2019 asking for documentation of debt. I was not provided any information or original documentation including bills etc. I am unsure of what this creditor is referring to and need proof of legitimacy.
If company can not provide documentation I would request it be removed from my credit immediately.
|
| 08/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with COMMONWEALTH FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, COMMONWEALTH FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
|
| 04/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Commonwealth Financial Systems purchased my debt from 4 years ago and have since been contacting me concerning it. I told them that the state of Arkansas has legislature in place that we can not be harassed about medical debt after 2 years. They are now lying and saying that the debt is only 3 months old and was acquired on XX/XX/2017. They call so much that I have had to block their number and they still continue to call.
|
| 10/24/2022 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
|
| 06/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A new collection account just appeared on my credit report on XX/XX/2019. COMMONWEALTH FINANCIAL SYSTEMS information is inaccurate. I did not visit the emergency room on the date provided ( XX/XX/2019 ) on the account and I have a health insurance. COMMONWEALTH FINANCIAL SYSTEMS is reporting the account as new/open and it is causing a lot of damage to my credit profile. No account number was provided for the collection.
|
| 12/04/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 06/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Pulled credit report and found I owed a debt for XXXX XXXX XXXX XXXX XXXX that was being serviced by a debt collector, Commonwealth Financial XXXX. I called to request a debt validation. They refused to send me the validation because they stated it was already sent once. They could not provide contact information for original debt due to HIPPA. I should be allowed validation on a debt that is listed on my credit file.
|
| 03/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Commonwealth claims to be collecting on a 4.5 year old debt. I am unaware of any unpaid medical debt, I never authorized this company to possess any medical data on me. The are reporting a wrong address. They also state that the amount may be different because it does not reflect any payments made after the service date. So they are collecting on money not owed because I owe no medical debt. Failed validation attempt.
|
| 03/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I do not owe this debit, I requested written validation of debit from the company and received no information.
Collection accounts was added to my credit bureau only as an attempt of intimidation and with out any notification of claimed debit as a aggressive tactics to pay a debit that is not mine.
I was notifified by my alert system Of collections 3 weeks ago In the amounts {$1200.00}, {$120.00} and other {$120.00}
|
| 10/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account starting XXXX {$680.00} from commonwealth financial inc has been disputed and removed several times due to lack of verification. The just keep reporting it over and over. I am also taking legal action. Im tired of this! They report It then I dispute it then gets removed and then put back on the next day? How is this possible? With all three CRAs. This is definitely harassment. Something needs to be done!
|
| 07/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Applied for personal loans and received approval for loan. Then called to speak with loan representatives XXXX XXXX who was very Rude and stated in order to fund money to my account he wants photos ID of Divers license, Bank account, password and account user name. Very hard to reach him after all information above sent to him. What a scam! Lying to people who already is in need of loan! What a fake Bank cooperation!
|
| 12/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXXXXXX XXXX provided service XX/XX/XXXX and generated a {$2100.00} and {$280.00} charge but did not submit the claims to my medical insurance in a timely fashion and in XXXX it was first resolved that there was no patient liability. I have disputed the claim on my credit report twice now and have had it removed but they continue to harass me with the same report to credit agencies and affect my credit score.
|
| 02/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I HAVE NO KNOWLEDGE OR AUTHORIZATION OF THIS DEBT. I WAS IN MICHIGAN DURING THE TIME DEALING WITH MY XXXX. I ALSO HAVE XXXX XXXX XXXX INSURANCE THROUGH THE GOVERNMENT AND GO THROUGH XXXX XXXX CLINICS ONLY. THEY COVER ALL MY MEDICAL NEEDS & EXPENSES. I SHOULD NOT HAVE ANYTYPE OF MEDICAL BILL FROM THE DEBT COLLECTOR BELOW : Commonwealth Finance Opened XX/XX/2020 - {$780.00} Original creditor : XXXX XXXX XXXX XXXX XXXX
|
| 08/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To whom It May Concern : I obtain a copy of my credit file and found some errors. Please remove this from my credit file : 1. Company Name : XXXX XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Please validate by baring my signature
|
| 12/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This {$500.00} fee From XXXX XXXX just came out of absolutely nowhere i have no clue what it is for or where it came from. For one i can not pay it because it is way to big of an amount being that I am XXXX years old having to deal with these crippling creditors because of a broken medical system, also it is destroying my credit. It says it was reported on XXXX XXXX, XXXX with the original creditor or XXXX XXXX XXXX
|
| 04/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I receive repeated phone calls from a XXXX XXXX number 6-8 times a day. I spoke with a woman one time and explained Im not paying anything until I get something on paper. She then proceeds to say bye XXXX. I have asked several people to please quit calling me and they havent. This debt theyre speaking of is not on my credit report. They also text me as well saying to please give them a call using different names.
|
| 11/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Commonwealth Financial is trying to bully me paying for a false dept that's not mine and also falsely reported this to XXXX claiming the I owe this and rewording it as a LOAN. THEY HAVE MADE MY LIFE A LIVING XXXX. THEY WON'T STOP CALLING AND HARASSING ME. THEY CALL FROM SEVERAL DIFFERENT NUMBERS THE RECENT IS XXXX. Amount there asking for is {$1000.00} From .... XXXX XXXX XXXX XXXX XXXX account number XXXX ....
|
| 09/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I contacted Commonwealth Financial regarding a collections account placed on my credit report. They stated they were collecting a debt for XXXX XXXX XXXX, for ambulance services. I informed them Ive never been in an ambulance in my life. They refused to provide any additional information regarding the erroneous collection. They simply said there was nothing I can do and I needed to pay the debt.
|
| 06/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was notified by two credit bureaus today of an alleged debt by Commonwealth Financial in the amount of {$1400.00}. I don't know who these people are or have any communication indicating what this alleged debt is about. It's pretty clear this is yet another fly by night " collection '' agency harassing an innocent citizen.
do not release my contact information to this company. they obviously don't have it.
|
| 09/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
On XX/XX/XXXXI have notice that COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX balance of {$1500.00} has appeared on my credit report. In addition this piece of information it should not have been replaced on my credit report, On XX/XX/XXXX this collection has been removed /deleted from my credit report. Previously deleted information was reported to my credit report and is now harming my credited report.
|
| 03/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I have contacted Commonwealth Financial system since XX/XX/2015 ; they have yet to verify and validate this debt and it is still showing on my credit profile ' which is a violation of the FDCPA. All XXXX credit reporting agencies has stated that this account was verified and validated but has failed numerously to provide me with documentation supporting this presumption which is also a violation of the FDCPA.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX XXXX was able to place a new account on my credit while my credit is on a freeze. No new accounts were supposed to hit my account during a credit freeze and the credit report agency is allowing XXXX to report on my credit everyday to bring my score down even though my credit is on a credit freeze. All 3 of my credit files are on a credit freeze. How can XXXX enter a new account while on a credit freeze?
|
| 07/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX : {$250.00}. This was paid at the Hospital during service - I was never made aware of this credit issue. Hospital has payment in file.
XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$75.00} : XXXX was paid thru the insurance and contacted the hopsital who billed the insurance.
Commonwealth Financial {$1200.00} : This was repeatedly communicated to bill the insurance and insurance did assume the cost.
|
| 10/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH COMMONWEALTH FINANCIAL. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
|
| 07/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2020 an outstanding debt of {$60.00} was listed as a collection debt on my credit report. It lowered my credit score by 30 points. It was reported by Commonwealth Financial XXXX XXXX for : XXXXXXXX XXXX XXXXXXXX XXXX. I have contacted XXXX XXXX they have to knowledge of this debt and have attempted to call Commonwealth Financial with no success. I am disputing this debt and believe this fraudulent.
|
| 09/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
The following accounts have been re-aged creditors reporting the wrong open/collection date fraudulently making the account look like it's new than it truly is.
Account Name Original Creditor Common wealth financial XXXX XXXX XXXX ( XXXX, XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX / Formally known as XXXX XXXX ( XXXX/XXXX ) XXXX XXXX ( XXXX ) XXXX ** XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX )
|
| 01/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX, XXXX, XXXX XXXX XXXX added two derogatory marks on my credit file per XXXX XXXX The amounts were {$59.00}, and {$1500.00} dollars. Upon further research it was discovered that as of XXXX XXXX XXXX XXXX XXXX actually had their license revoked in Florida and therefore can not come after me for this debt. Also there was NO WRITTEN form of communicatiofor/ contract for these accused debts at all.
|
| 02/17/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Today I received notice from Commonwealth Financial Systems in regards to an alleged debt owed of {$120.00} from the previous collection agency ( XXXX ). I already requested validation from XXXX just weeks ago. XXXX stated that the account would be closed last week and removed from the credit reporting agency. Now Commonwealth is attempting to collect on an account that I previously requested validation on.
|
| 12/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Ask the caller for their name, company , street address, telephone number, and if their state licenses debt collector '' and their professional license number. Refuse to answer questions.I also refuse to discuss any debt until I received a written " validation notice.
I then researched company to find out their license has been revoked/voided in the State of Florida. Attached you will find documentation.
|
| 08/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
commonwealth finance at employee of XXXX XXXX XXXX has been sending me collection notices in the amount of {$570.00} the collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
I would like for them to take this off my credit report and do not try to put it back on my credit report
|
| 07/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I obtained my credit reports from all 3 credit reporting agencies and found Commonwealth Financial was listing an account that is not mine. I sent them a letter asking for validation of the loan or remove with in 30 days. I sent the letter certified and a representative from that company signed for it on XX/XX/2019. To date the account is still being reported and I have not received validation of the debt
|
| 02/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Sent debt validation letter to Commonwealth Financial Systems XXXX XXXX XXXX, XXXX on XX/XX/2018 via USPS Certified Mail. Tracking # XXXX. Letter requested proper validation of debt and HIPAA requests. I have yet to receive any response whatsoever from the mentioned collection company and it is now past the required 30 days and I am now requesting the account be deleted and removed from my credit profile.
|
| 12/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Responded to a missed call. I identified myself as a person with the same name they were looking for. They wanted private information from me and all I was willing to give was the year of my birth. The representative said they would not remove my number and would continue calling because I " refused to verify all my information ''. I advised them that I did not want them calling anymore and they hung up.
|
| 09/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
COMMONWEALTH FINANCE Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX reported age of this account is 4 months and the open balance shows {$2000.00}.
On my credit report I pulled up this inquiry for the above information and I have never hear or have any knowledge of what this would be and why.
I have no records of ever receiving a notification via by mail or email nothing with this inquiry information.
|
| 01/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Commonwealth Financial systems a 3rd party collection agency attempting to collect a debt in the amount of {$1900.00} for medical when all information was given day of services and has been paid in full.
This collection agency has reported to my credit bureaus, I am asking them to show proof that this debt is owed to Commonwealth Financial Systems and please remove permanently from all 3 credit bureaus.
|
| 01/31/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I disputed several accounts with Commonweath Financial Systems and they agreed through XXXX to delete several disputed accounts from my XXXX Account. They were listed as NEW as of XX/XX/XXXX after their agreement to delete them in XX/XX/XXXX. Also showing up with XXXX by Commonwealth. These accounts were paid by insurance and never removed by the original debtor. I 've reported this agency to you before.
|
| 08/11/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
My bankruptcy was discharged in XXXX of 2013. I just saw my score on XXXX plunge by XXXX points after trying to build my credit the last 3 years. COMMONWEALTH FINANCIAL SYSTEMS for XXXX sent something to the credit bureaus but showing a XXXX balance which has hurt my score substantially. This was all taken care of in the bankruptcy in 2013. Please help me to get them to fix this with the credit bureaus.
|
| 04/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company is reporting to XXXX on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
|
| 04/06/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Commonwealth Financial only recently has placed a collection on my credit report in which this does not belong to me, as I have not had any medical done in more than 4 years. I have never been notified of this debt, shown validation of this debt and just all the sudden showed up on my credit when there has not been one thing prior about this on my report. This is fraudulent and against Fair Credit laws
|
| 12/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I do not have a contract with Common Wealth.
I do not have anything that shows that I have a debt with this company.
This debt has been on my credit report before and has been removed after contacting the CFPB.
They have now put this debt back on my credit report.
I have no knowledge of what this is for.
It needs to be removed from all credit bureaus.
They are now in violation of the FCRA
|
| 09/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Finance is reporting a debt from XXXX XXXX XXXX in XXXX. I have not resided in Florida since XXXX. I have disputed this charge several times in which they have refused to remove from my credit. I did not XXXX XXXX XXXX XXXX any time since XXXX. If this is my account then Commonwealth has retolled/reaged this debt which is a violation of FCRA. I am requesting this be removed immediately.
|
| 09/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I recently disputed this charge via credit bureau. this charge was covered by Medicaid and was signed for by my ex husband. Not me I am not responsible for this debt. Commonwealth financial fraudulently purchased this as a debt. It had already been paid for. The original debtor ( the hospital ) doesnt even show this debt. They do not even have any personal identifier such as social security number.
|
| 09/02/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
COMMONWEALTH FINANCE did n't send me a letter first, they immediately placed this on my XXXX XXXX credit report.The law is clear they must contact me first.They 're violating the law. I have never visit XXXX in XXXX TXthis is a zombie debt they continuous to past around.according to them account open XXXX 5 years ago. They could n't Violated date.There no account number associate with this account.
|
| 03/20/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This company has contated me regarding a debt. They did not provide any information, but instead asked for my information to validate debt. Additionally, I have verified with the State of Florida Office of Financial Regulation said company is not licensed to collect debt in the State. Their license XXXX was revoked. I am asking that they have said unverified accounts removed from my credit report.
|
| 05/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
An account that has already been previously disputed under identity theft, is re-appearing as a collection on my consumer report. I did not know that after being resolved, my life could be put on hold again at the cost of identity theft that has been reported over and over. I can not believe this company is going above and beyond to ruin my life, and that my identity is still not being protected.
|
| 12/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report and saw a negative item from COMMONWEALTH FINANCIAL Account # XXXX, Balance {$1000.00} and Date Opened XX/XX/2018. I have no knowledge of this debt, as it does not belong to me. My address has not changed, so i should have received a letter in the mail notifying me any debt and giving me a chance to dispute it or take care of it, according to the Fair Credit Report Act.
|
| 02/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CFSI has reported two accounts to the credit bureaus as collections. 1 account is for {$340.00} and the other is for {$380.00}. Neither one of these belong to me and I was never contacted to dispute these accounts, they just appeared on my credit report. I have been a victim of identity theft and I believe that these accounts may stem from that. These account are not mine and do not belong to me.
|
| 02/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Looked at my credit report and saw comonwealth financial added items to my credit report when I did some research one item that is listed as me owing XXXX is beyond statue of limitations in the state of Florida also another item was removed in XX/XX/2018 for the exact reason this company has not sent proof of debt or notice to me with date of original service but has re aged the debts to collect
|
| 03/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Have called many times..explained to them that the person they are looking for is not at my number..they keep calling and yesterday,XX/XX/XXXX, left threatening message for that person. Called them back to again request that they remove my number and if not I would contact you. They called right back and stated that they 'll continue to call regardless of what I wanted..I 've had enough of this.
|
| 10/27/2022 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company is falsely reporting an old debt or someone else 's debt to my account as of date XX/XX/2022.
I looked at the supposed original credit of XXXX XXXX XXXX XXXX and that is in XXXX FL. I have not lived or have even been in that area in a decade.
I have disputed this with all credit bureaus and this company is falsely reporting that the information is accurate when its clearly not.
|
| 05/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Reached out to the companies to try and get them to delete said debts off of my credit report as they were not authorized to report anything to my credit report by me. I did not sign any contracts with those companies nor have I owed them any debts.
Commonwealth Financial- {$680.00} XX/XX/2021 This company has been reached in order to resolve this issue and the resolutions were unsuccessful.
|
| 06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
It has recently come to my attention that I still have a report in my disputes from a hospital bill that I didnt have any money part in. I have a son that has the same exact name as I do. I know a fact I havent been to that hospital in years. Definitely not then but my son may have because he struggled with respiratory issues a lot in his first couple of years so the report has to be a mix up.
|
| 03/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
COMMONWEALTH FINANCIAL placed 2 collection accounts on my credit report. I have never received any correspondence from them in relation to this matter, nor was i give a chance to settle any debt before they attacked my credit report. I am not paying a debt that I am unaware of or even know what it is for. This violates my rights under FCRA, as I have never been asked to pay this supposed debt.
|
| 10/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have discovered a collection account on my XXXX credit report from Commonwealth Finance, with an original creditor of XXXX of XXXX, for a total of {$710.00}. I have not received any notification of said balance from either the original creditor or collection agency, nor do I have any verification of said outstanding debt. Further, this appears to be for services rendered in VA. I live in TX.
|
| 02/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Commonwealth Financial is claiming that I owe medical debt from XXXX and XXXX of 2017. There was no medical debt owed as I had an HMO plan through XXXX XXXX XXXX. All of my co-pays/deductibles were paid at the time of service. These reports of debt owed are false and are negatively affecting my credit. They placed XXXX separate collection amounts on my credit {$1200.00} {$1100.00} {$1100.00}.
|
| 05/12/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
|
| 01/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
On XX/XX/XXXX an account for XXXX was open through CommonWealth Financi ( cwf ), on XX/XX/XXXX CWF added the debt to my credit collection, which showed me on XX/XX/XXXX through XXXX XXXX. I never got a paper stating I owed a debt for CWF, nor have I received anything from CWF showing I had an open account since XX/XX/XXXX. Ive tried to call but office hours were not active durning that time.
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX I never had an account with this company. They never sent me information with my signature within 30 days.
XXXX XXXX {$460.00} I never had an account with this company. They never sent me information with my signature within 30 days.
Commonwealth Finance {$160.00} I never had an account with this company. They never sent me information with my signature within 30 days.
|
| 07/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have reached out numerous times that this account does not belong to me and now I am being ask to file a police report just to get this removed from my account. I feel like this makes no sense why should I have to do so much on my end for something that I shouldnt even have to deal with because of something that shouldnt even be on my credit report.
Account that is charging me {$420.00}
|
| 12/21/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. I was not notified of the investigation status if there is one.
|
| 05/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with COMMONWEALTH FINANCE with a balance of {$900.00} and an original creditor of XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
|
| 12/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Acc. XXXX , commonwealth financial. This is the second time a dept collector came after me for this. This is not me. They asked me for my SS number I said you tell me what you have on file. Last time it dropped my credit score by 17. I got it taking off . Now a few months later this different collector started calling. And my score drop 45, from excellent to good . this is unacceptably.
|
| 06/16/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I received there so called itemized statement that show a balance of XXXX Dollars, which I am attaching and Common wealth is asking for XXXX. I sent a letter Certify Mail requesting further information and detail to how they came to this balance and further proof. I am also attaching the return receipt .Which was sent out more then 45 days ago. and still now Response form Common Wealth.
|
| 06/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
These people have reported a debt that is past the statute of limitations in Indiana. They reported this to the credit bureau as a new debt. Since when I look at the credit bureau it does not state this debt is from 2014 and past the statute of limitations for debt collection. Now they are trying to collect. Now my credit rating has gone down because of their debt collection practices.
|
| 04/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth financial are reporting inaccurate and incomplete credit information. I am distressed that they included the wrong information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information
|
| 07/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is showing up on my XXXX credit report as an unpaid collection. The amount is {$50.00}. I have know that this debt is not mine as I have several listed on my XXXX report. I need CommonWealth Financial to remove it from my XXXX report. Someone has used my social security number at a hospital and that why this collection is showing negative and a collection on my credit report.
|
| 03/21/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Common Wealth Financial Systems claims that I owe them money for a medical debt and they have never sent me any letters or tried to contact me in anyway. They claim that they are collecting for XXXX. I do not have a contact with Common Wealth Financial Systems and only want to work with XXXX had never informed me that I owe them any money and I will pay any amount due directly to XXXX.
|
| 11/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I do not have a signed contract nor any contract with CommonWealth Financial. I have never done business with this company. I am not liable for collection from this debt from CommonWealth Financial. I am not responsible for this debt with XXXX XXXX XXXX. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt.
|
| 12/03/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This company ( Northeast Credit Collections ) is reporting the wrong delinquency date. This debt went delinquent in XX/XX/XXXX and should be removed from my credit report. This collection company is reporting this debt obtained in XX/XX/XXXX so it looks like it is 3 years old. I have disputed this several times, but they refuse to remove / correct the false information being reported.
|
| 06/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
There is a collection account that shows up on my credit report every 3 to four months which damages my credit report.I have had this same collection account removed from my reports three times already.This latest company has posted it to my credit report again dropping my credit score. I now have gotten a notification from the bureau saying it has been flagged as seriously overdue.
|
| 08/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Debt was removed from Credit Report on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.XXXX XXXX XXXX keeps reaging debt and refuses to send validation as requested in writing. They are in violation of FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ). They are required to notify me of the reinsertion in writing within 5 business days since debt has been deleted from my consumer file on several dates.
|
| 03/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX has reported to my credit an outstanding debt of XXXX dollars, this is not a debt i owe nor do i have any contracts with this entity stating i owe or agreed to pay, the entity now has reported negatively to my credit which they have no legal right to do. it was last reported to my credit on XX/XX/2018 and has also had my federal tax refund offset by XXXX dollars.
|
| 08/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Honestly Im not sure what this medical bill is for & why it would be this high..I have not had insurance in years & when I do go to the er its because I have no choice..Ive gone thru a divorce & mich worse than that which I will not go into detail ... Im trying so hard to pay my bills & fix my credit being I cant even rent a place because of mostly medical bills effecting my credit
|
| 08/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a validation of debt letter on XX/XX/2021 and this company has failed to validate the debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collections activities immediately.
|
| 09/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company is trying to collect on a medical bill that is from XX/XX/2012, I had insurance at the time, but the hospital did n't charge them, and are now trying to collect the money from me even though I was covered at the time. Also the date of billing is wrong as I did n't even live in the state during that time, it was an event that happened a few months before the stated date.
|
| 08/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A collection agency listed a debt on my credit report. In early XX/XX/2019I asked for information in writing regarding this debt. It has been six weeks so far and I have not heard from them. I want this debt taken off of my credit report but I need to know what it is and if it's even true but there's nothing I can do if nobody will contact me. This should not be allowed to happen.
|
| 08/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Original Creditor : XXXX XXXX XXXX XXXX XXXX Account type : Collection Department/Agency/Attorney Date opened : XX/XX/XXXX Payment status : Seriously past due date/assigned to attorney, collection agency, or credit grantor & apps ; internal collection department Status updated : XX/XX/XXXX Balance : {$400.00} Balance updated : XX/XX/XXXX Original balance : {$400.00} Terms:1 month
|
| 05/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I filed a dispute with XXXX XX/XX/XXXX about a collection agency ( Commonwealth Financial ) via phone an ask that it be removed from my credit. Commonwealth is reporting a old past-due account on my credit report as if its a new again when the debt was sold. Commonwealth is reporting the account XX/XX/XXXX when the original date is XX/XX/XXXX. Im asking they remove this account.
|
| 01/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
|
| 03/02/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I called the company commonwhealth they report it a collection on my credit report and when i called to know who was it and what for was the debt they did not find any information on me and could not find anything all so i ask them why are you reporting false information if you dont know who em i so i ask to remove that collection and they said no until they find out what happend
|
| 11/23/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Commonwealth Financial Systems, Inc on behalf of XXXX XXXX XXXX is trying to collect an invalid debt. They have been notified and a fraud affidavit provided, but still reported to credit bureaus. This account was removed from my credit reports after previous complaints about other debt collectors ( XXXX, XXXX XXXX ) hired by XXXX. They keep shifting to different collection firms.
|
| 12/20/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth reported me owing them {$630.00} when I never been to the facility nor do I know where its at. I contacted the financial dept XXXX but wasnt able to connect with anyone on XX/XX/2022 they reported on my credit report that I owe them I tried to dispute being the information against me isnt correct nor do I owe. I report fraud on my XXXX report and the case was closed
|
| 03/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
|
| 03/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
|
| 03/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
|
| 03/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
|
| 06/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent certified letter numerous times asking for them to send me a detailed itemized copy of the bill. I was charged {$1100.00} they refuse to give me an itemized copy. They did send be a bill that was broke down into groups but not a detailed copy, I Believe by law they have to. The company is Commonwealth Financial the address XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
|
| 02/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Commonwealth finance posted debt on my credit report from a XXXX that in 2011. I did not receive a letter or documentation that i could make payments on this debt before in was placed on my credit. When I tried to dispute the debt through the credit bureau they posted another account on my credit report.
The company is also not licensed to collect debt in the state of Florida
|
| 03/29/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
I am XXXX veteran and told hospitals that they would be paid by VA I gave them my member ID # XXXX & SS # XXXX as well as address to submit their claims. Now after years I see they are all listed on my credit report.Causing extra Fin cost on every thing.I served and paid the price. Hope you can help me I would be very grateful. XXXX XXXX. XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX
|
| 12/14/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
{$1200.00} debt transferred from XXXX to commonwealth financial. Debt cut in half and paid from XXXX XXXX XXXX to XXXX XXXX XXXX totalling {$600.00} No communication until XXXX XXXX XXXX when they arranged a 1 time payment of {$38.00} No communication so I figured the debt was paid. Now trying to apply for loans for school and cars, but XXXX says I still owe the full {$1200.00}
|
| 07/05/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/21 I sent a letter to commonwealth financial about a medical collection I truly have no knowledge of. ( The letter I submitted is attached ) so commonwealth responded by mail on XX/XX/21 that honored one portion of my letter which was a itemized break down of the bill. However, with regards to hippa authorization nothing was provided. Im requesting deletion of account
|
| 07/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
There is no company name provided, the address listed XXXX XXXX XXXX, XXXX, PA XXXX. They have been sending a collection notice in the amount of {$780.00}. The collection has been reported as pasted due balance. I do not know this company as there is no information provided. I have never done business with this company. This company does not have a contract with my signature.
|
| 08/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
on XX/XX/19 i received a letter stating that i owed {$980.00} to the XXXX XXXX XXXX. I ask for any proof and they didn't have any. The customer service rep just knew that i went to this office on XX/XX/XXXX which i dont have any knowledge of being in that office nor i do not know the address of this location. this is super frustrating when i have no knowledge of this request.
|
| 02/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company " Commonwealth Financial Systems '' claims I opened an account on XX/XX/XXXX and claiming a balance of {$650.00} is owed to original Creditor XXXX XXXX XXXX XXXX and was reported to them XX/XX/XXXX as a collections account. This is false information and I do not own any account with either company. I would like for this to be removed from my credit report immediately.
|
| 04/29/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This collection agency placed an account on my credit report that is not mine, they never sent me any information stating that they are placing this on my credit report. I sent them a letter asking them to validate the obligation and they ignored it. They are in violation of section 809B of the Fair Debt Collection Practices Act and section 392.101 of the Texas Finance Code.
|
| 08/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2021, COMMONWEALTH FINANCIAL appeared on my credit file. I do not owe this debt. I have -- and have always -- had medical insurance. Has this company even attempted to bill my insurance company? What is this debt for? What was the date of service? I want this removed from my credit file immediately. Have they even sent me anything in the mail to validate this debt?
|
| 03/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
At the time if this debit I apply fir financial assistance due to the fact the I was working part time with XXXX kids and I was approve 100 % but i also was referred out for physical therapy which also part of the hospital company so the bill i got was not paid and was added to my credit I also applied for a dispute and it still have not been resolved as of today XX/XX/2018
|
| 01/29/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX misrepresents the correct date of this account being open. They acquired this debt from companies currently listed on all XXXX credit reporting agencies. I have requested investigation of this fact with no satisfactory results any credit reporting agency.The correct open date should be XX/XX/2009
|
| 06/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company is attempting to re-age a previous medical collection account that they purchased on the secondary market. The original medical debt was disputed due to improper insurance billing on the providers part. The provider failed to correctly collect payment from my health insurance and then sent my account to collections where it has been bought and sold for years.
|
| 08/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In violation of the Fair Debt Collection Practices Act, Commonwealth Financial just reported two collection accounts ( {$1700.00} & {$950.00} ) on my credit report without first supplying me with a 30-day notice to dispute. If I had received the proper notification, I would have certainly contested the validity of the debts. However, I was never given that opportunity.
|
| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
Checked my credit report on XXXX XXXX. Found two NEW accounts listed as New Account XXXX XXXX XX/XX/XXXX. This information is being reported by Commonwealth Financial Systems of XXXX XXXX, PA. I called and was told that these two accounts stem from two XX/XX/XXXX collection bills yet they are being reported NEW as of XX/XX/XXXX. This is an attempt to re-age this debt.
|
| 11/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is the 3rd collection agency that has attempted to collect on this account. The account is NOT MINE, my information keeps being bought and sold and it needs to stop. This account needs to be removed from any credit bureau it is being reported to immediately. I will file a law suit and a complaint with the attorney general if these actions do not stop immediately!
|
| 07/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
There are 2 outstanding bills from XX/XX/XXXX for XXXX XXXX XXXX which just got reported on my credit in XXXX XXXX.. I asked them to send me a copy of each bill so they did. I have never seen this bill until now ( 6 years later ), it is too late to file a claim on my insurance. I asked them why they did not handle this 6 years ago but of course no one knew the answer.
|
| 11/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
This collections that are appearing on my account are invalid. I sent the previous collection company that held these accounts a debt verification letter on XXXX XXXX, 2017. The previous company was unable to valid the debt and they deleted these accounts from my credit report. Recently, these accounts have reappeared on my credit report under a new collection agency.
|
| 05/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company " COMMONWEALTH FINANCIAL SYSTEMS, INC ( cfsi ) has violated several of my consumer rights. on XXXX i disputed a collection, they deleted the collection and they put it back on my credit report without notifying me in writing within 5 business days. Under the FCRA part ( A ) ( 5 ) ( B ) ( ii ) this is a violation- Consumer protection afforded by the FCRA.
|
| 08/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i received notification about a collection placed on my credit. i called the company because i have never seen it before. they told me its medical bill from XX/XX/2017. i have never heard of XXXX XXXX or common wealth financial systems. now they placed it on my credit XXXX years later i shouldn't have to suffer for a debt that isn't mine and also that is very old.
|
| 10/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I received a letter from XXXX on XX/XX/XXXX dated the XXXX for a collection they purchased from a medical provider. The debt is not mine I havent received care at this facility and I checked dispute box and returned letter to company as requested on the XXXX of XXXX they reported debt to my credit report before the 30 days required and with satisfying the dispute.
|
| 02/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Creditor has constantly sold/reopened medical debt collection multiple times. Every month it is reopened. Creditor is calling multiple times a day from different numbers associated with different states. The calls begin at XXXX am and end around XXXX pm. They are relentless. I have never even received an original bill from whoever the original debt even came from!
|
| 04/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company sent me a letter attached on XX/XX/2019 informing me of this debt. I contacted them immediately to dispute the item letting them know it was not mine. I asked them for verification of the debt and was expecting such. 2 weeks later I noticed that they have put this on my credit reports even after i disputed the validity of the account. It is not mine.
|
| 10/23/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Commonwealth Financial Systems , Inc. has added to my credit report a collections for two amounts, One being for {$1200.00} and the other for {$1400.00}. I never received anything info which would allow me to right to dispute this claim. This is violations of FDCPA. And also violations of HIPPA since this is a claimed medical debt that I have no knowledge about.
|
| 11/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I requested via letter 2 months ago that Commonwealth Financial Systems verify the following information. 1. What hospital is this medical collection for? 2. Date I was supposedly at this hospital 3. Full account summary and itemized calculation of alleged debt 4. Registered/Licensed to collect in the state of Georgia and Florida. I have not received a response.
|
| 12/07/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
There are a couple of companies on all three of my credit report that i keep disputing and they still keep coming back and it keeps messing with my credit score.. 1. XXXX 2. XXXX XXXX XXXX 3. XXXX medical center which is with the company Commonwealth Financial System. I have been fighting this all year and they still keep putting this stuff on my credit report!!
|
| 11/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a letter on XX/XX/21 to the common wealth financial systems company who I noticed reported on my XXXX XXXX that I owe them {$100.00}, {$160.00}, and {$100.00}. I sent them a letter for them to send me verification that this is my debt, they have yet to send me anything in the mail to verify this is my debt. It is now XX/XX/21 and have yet to get anything
|
| 09/07/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
i have never been to this place never was seen here and never did any type of business with this company and never will this account has been removed previously by both XXXX and the other XXXX bureaus due to multiple listings and lack of validation i would like this removed permanently furthermore they continue to call my phone and hang up and its harassing me
|
| 02/24/2016 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
I no longer want to dispute this account because I am trying to get my insurance company to pay the bill and was told by XXXX at commonwealth that they will not remove the dispute comment until I pay the account in full. I also can not get XXXX to remove the comment because the creditor placed the comment. There are XXXX accounts that need the comment removed
|
| 05/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sent a debt validation and verification letter to Commonwealth Financial systems on XX/XX/2021 by certified letter. The company did respond to all of the information I asked for. Proof the debt belongs to me. My signature on any contracts, proof you are licensed to collect debts in my state. The item is still on my credit report with all three credit bureaus
|
| 05/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I had a debt that should have never been sent to collections. I owed some money to a hospital i did not know about, when i did i called the hospital and paid the debt. Even tho i have paid this has been added and removed to my credit report multiple times, but it still keeps coming back. COMMONWEALTH FINANCIAL just keeps adding it back after it gets removed.
|
| 09/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company took collection on me for a medical collection, in which I have never heard of the company. Collection wrong amount. Should n't be a collection and I have never even been to the place where the collection is coming from.
Reporting on XXXX XXXX, 2017 and opened in XXXX. It completely wrong and inaccurate.
The company is Common Wealth Financial.
|
| 06/20/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Debt collector threatened to sue me over time barred debt. When I told them this threat was illegal they told me it was not. They said they were an attorney who bought this debt & they would be serving me in the next few days with a lawsuit over this time barred debt. After hanging up with them they immediately called me back to threaten & harass me further.
|
| 08/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
COMMONWEALTH FINANCIAL XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Creditor above is reporting erroneous defamation on my XXXX for some medical bill that is NOT mine! I wish to file a complaint against this debt collector If this debt is mine, send me a HIPPA signed document which they should not have since i never went to this company!!!
|
| 07/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX & XXXX XX/XX/XXXX about inaccurate information on my credit report.
The following account is outdatedXXXX XXXX XXXX {$4300.00} date of last payment XX/XX/XXXX The following account is inaccurateCOMMON WEALTH FIN {$250.00} The following account is inaccurateXXXX XXXX XXXX {$430.00}
|
| 10/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account numbers : XXXX and XXXX has violated my rights.
15USC 1681-602A states I have the right to privacy.
15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 09/09/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
15 USC 1666B : A creditor may not treat a payment on a credit
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
THIS IS NOT A DUPLICATE COMPLAINT!!!
In accordance with the Fair CreditC Reporting Act XXXX XXXX XXXX XXXX Commonwealth Financial has violated my rights.
15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions
|
| 10/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Financial Systems Inc is reporting an alleged debt that does not belong to me to the credit bureaus. I have sent a certified letter to Commonwealth Financial Systems Inc asking them to validate by providing any, and all contracts SIGNED by me. If they are unable to do so, I they need to delete the debt ASAP and NOT resale this alleged debt.
|
| 04/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have no clue what this debt is or where it came from. It appeared on my credit report with a balance. I am positive that this debt is not mine. Please provide the original document with my signature stating that this debt belongs to me. I also have proof that I have been a victim of identity theft and this may be something connected to this debt owed.
|
| 07/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
|
| 06/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX XXXX XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised.
I am not responsible for any charges made to these mentioned accounts.
|
| 08/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX And COMMONWEALTH FINANCIAL negatively reaged my credit. Saying it was opened on XX/XX/XXXX (XX/XX/XXXX) and openedXX/XX/XXXX ( commonwealth financial ) when this debt is from XX/XX/XXXX-XX/XX/XXXX and should be off my credit by this year as originally stated before reaging it on my credit report. I want it removed.
|
| 11/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received an attempt to collect a paid debt from Commonwealth Financial Systems , IncXXXX in XX/XX/2020. I then sent a certified debt validation letter to Commonwealth Financial Systems , IncXXXX in XX/XX/2020. In XX/XX/2020, Commonwealth Financial Systems , Inc. failed to provide the necessary documents that I requested in my debt validation letter.
|
| 08/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA.
|
| 06/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Collection agency is attempting to collect on a debt that has reached statue of limitations. The medical account became delinquent as of XX/XX/2011. The statue of limitations for my current state of residence, XXXX and previous state of residence, XXXX is six years. I have requested not to be contacted and the collection agency continues to do such.
|
| 03/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/2018 I find {$920.00} Medical bell on my XXXX credit report and I disputed with the credit bureau but it looks like its still open and its harming my credit score The company that bought this charge my credit report Named commonwealth financial systems and this debit bed off And I have the receipt for that I attach the receive with this page
|
| 11/09/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
|
| 09/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Date XX/XX/XXXX Amount XXXX I am just recently seeing this false statements on my credit as I was trying to get things done and noticed this has effected my life my family and stress level is through the roof.
Date XX/XX/XXXX Amount XXXX Date XX/XX/XXXX Amount XXXX This has really been a lot on me and I'm asking for this to be removed off my credit
|
| 05/14/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
All my derogatory marks were off my credit report one day i answered the phone it was a debt collector has to be over 2 1/2 years ago. It probably was an XXXX visit. well all of sudden it 's back on my credit report XXXX derogatory marks and they say the date was XXXX 2016. I do n't have any new debts in over 2 1/2 years. what should I do about this?
|
| 12/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2020 I received a collection amount of {$970.00} on my credit report from commonwealth financial System and this is not my debt it was done fraudulent I havent been to the hospital at that time.So I disputed this numerous of times and they continue to say its my responsibility and I know for a fact I havent been to the hospital at this time
|
| 05/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Commonwealth Financial Systems, Incorporated XXXX XXXX XXXX XXXX NH XXXX Collection/charge off {$830.00} Paid by insurance & payment was verified through original company- XXXX XXXX XXXX . XXXX sent proof of payment to Commonwealth to remove, but they have n't. XXXX insurance covered bill. Hospital visit 6 months ago.
|
| 04/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the company regarding this false information that they have placed on my credit report.
Commonwealth Financial Systems Inc.
XXXX XXXX XXXX XXXX, PA, XXXX Medical collection bill {$740.00} I do not owe this debt and I believe this was place in collection in error.
Please remove this inaccurate information from my credit report.
|
| 04/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Commonwealth Financial System is attempting to collect a debt from 2014 for a medical bill in which I was on XXXX that covered everything. The collection agency comes years down the line, without proper notice, and places on my credit report.
Because they apparently could not have billed the insurance company timely it is not my responsibility.
|
| 06/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After numerous attempts to get verification of these fraudulent accounts from XXXX, I have received no verification. These are the fraudulent accounts as follows : XXXX XXXX acct # XXXX. Commonwealth Financial acct # XXXX. XXXX XXXX XXXX XXXX/XXXX acct # XXXX. As of date I still havent had these fraudulent accounts reviewed and verified by XXXX.
|
| 05/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A credit report showing I owed them XXXX. I have no knowledge of this account and had it removed from my report 2 times. This is the 5th time since it has been reported. I have no knowledge or responsibility for this account. The service date is XX/XX/2011. I have the account number upon request the company name is commonwealth financial sytems.
|
| 04/02/2021 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been trying to dispute a medical debt that was never submitted to my insurance company. I have had the same insurance for over 23 years and have provided documentation two the debt collector however, the collection remains on my report. The date of service for the debt is XX/XX/XXXX however its reporting on my credit XX/XX/XXXXXX/XX/XXXX
|
| 06/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Alleged Debt {$1200.00} Current Debt collection company - Common wealth finance Original creditor - XXXX XXXX XXXX XXXX Had no knowledge of this account/debt and I have had medical insurance-ALWAYS hence I have no other medical debt period. I had/have No knowledge of this account and certainly didnt know I owed it. It wouldve been taken care of
|
| 03/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Comonwealth Financial Systems didn't send any correspondence to me in reference to this debt. I have disputed the debt through credit agencies and have sent them letters requesting verification including original bill/signature and haven't received anything from this company. Commonwealth isn't bonded in the State Of Georgia to collect debts..
|
| 05/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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On XXXX XXXX 2017 m y commonwealth financial systems r eported that owed XXXX and I have n't been to the hospital since I was XXXX years old I d o n't know why they put it on my credit it made it so low I ca n't do anything I feel like I got scammed please help me dispute this they have not connected with on any phone calls or terms
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| 02/22/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
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Web |
|
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The debt commonwealth financial systems is trying to collect is from a XXXX case. I have informed them that it is not mine and that my company is the one that owes anyone if there is a bill. They said its not their problem and put it on my credit. Please help me get this off my credit and make these people leave me alone with fraudulent debts.
|
| 06/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I have worked with XXXX on several occasions to have duplicated items removed from debtor but they continued to add multiple duplicated item to my credit and fail to provide me with any substantial proof. I have file dispute with XXXX XXXX ever month this is absurd. For the amount of credit abuse they do to my credit report on a montly based.
|
| 12/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
A company operating as Commonwealth Financial, and a website of XXXX, of Pennsylvania, did report to the XXXX credit bureau that they have a deliquent account in my name.
They did not however make any effort to contact me first, such as with a standard form notifiying me of an alleged debt and their intention to report it to a credit bureau.
|
| 07/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
|
| 09/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I got pulled over and went to XXXX and found out someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID I went to court. Release I went to XXXX for two weeks because someone was using my credit I even have court documents
|
| 10/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I noticed a collection on my credit report from Commonwealth financial. I do n't know where this came from. They never contacted me or anything. they just reported this error on my credit. I have been writing them for XXXX months asking them to validate the account. They wo n't respond yet they keep reporting this on my credit. This is wrong
|
| 09/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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The referenced company in this complaint never contacted me by way of us mail, telephone, or email regarding this account. The referenced company should not have of my information on file and are reporting a debt on my consumer profile in error. I have contacted this company by phone and was told that they do not have my information on file.
|
| 06/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have tried numerous times trying to contact this collection agency Commonwealth Financial. This company has placed 2 medical debts on my credit reports that do not belong to me. I previously disputed these same accounts and completed a fraud affidavit. The accounts were removed and now this collection agency has placed them back on there.
|
| 11/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I have repeatedly noticed a collection/chargeoff on my credit report from Comnwlth Fin. I disputed this error over a year ago because the debt was over 8 years old. Now this debt is updated regulary. This originated from a medical bill that is over a decade old. The chargeoff/collection amount is showing {$1100.00} reported XXXX XXXX, 2017.
|
| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have an account with XXXX XXXX and was looking at my report today and my credit score with XXXX is showing an account that I didn't open.
Original Creditor : XXXX XXXX XXXX XXXX Open Balance : {$2400.00} Opened : XX/XX/2021 Collection Agency : COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX " solemnly swear '' that I never opened this account.
|
| 02/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.
|
| 05/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have been receiving calls from this company for over two years. I do not know the person they are trying to call. I have told them it is a wrong number, but they disconnect the call and call again. When I ask for a supervisor, I am put on hold for over 30 minutes then disconnected. They have refused to remove my number from this account.
|
| 08/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018 I was alerted by XXXX, XXXX and XXXX that Commonwealth placed a collection on my credit file. I have had no notification from this company at all regarding this debt. Therefore I have disputed this as a fraudulent account. Also I have no signed contract with this company stating that I owe them.. No signature can be provided.
|
| 06/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Hi Sense XXXX last year I'm doing automatic payments on this two accounts, trying to fix my credit score but first still showing up on my credit history and second balance never change my I wound like to just disappear from my record cause it's been getting taking care off I spoke to my creditor but still the same info not helping my score
|
| 02/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Common wealth finance at Address : XXXX XXXX XXXX, XXXX XXXX, Pennsylvania XXXX has been sending me collection notices in the amount of XXXX dollars. The collection has a pass due balance. I do not know this company and never done any business with this company as. So theres no contract with a signature from me saying I agree to pay them.
|
| 10/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
COMMONWEALTH FINANCIAL SYSTEMS IS IN VIOLATION OF THE FDCPA AND THE HIPPA LAWS FOR REPORTING ON A FRAUDULENT ACCOUNT AND ALSO FOR SHARING FRAUDULENT MEDICAL INFORMATION PUBLICLY! I HAVE NEVER GAVE COMMONWEALTH FINANCIAL SYSTEMS PERMISSION TO SHARE ANY OF MY PERSONAL INFORMATION AND THEY ARE TARNISHING MY NAME AND ALSO DAMAGING MY CREDIT!
|
| 08/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a {$970.00} debt collection on my credit report. Originally the collector was XXXX XXXX XXXX. I disputed this through XXXX and it was removed from my credit. It is now showing up again with a different debt collector. I do not know what this debt is or why it has been passed off to a different collector after being removed once.
|
| 02/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Being charged by same company twice. Original company XXXX XXXX XXXX.
Transferred to Commonwealth Finance on XX/XX/2018. a ) all info seems to be duplicate. b ) I would think insurance would have taken care of this. Ins was with XXXX XXXX XXXX or XXXX XXXX XXXX. If not duplicate, please show difference in charges. Each is for {$250.00}.
|
| 09/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX. XXXX XXXX XXXX I had insurance at that time. The hospital did not file it. I did n't know about it for 2 years, then got a letter from the collection agency for {$1200.00}. The collection agency threatened to sue me if I did n't pay. I am sending them $ 10.00- {$20.00} a month. I am on Social Security XXXX, a very low fixed income.
|
| 11/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have no knowledge of this account and i have two of the same account twice on my credit report for the same thing and same amount. Im being credited twice and i do not understand why when I've made several attempts to resolve this issue with reaching out to the creditor and trying to fix it with my XXXX it is still on my XXXX account.
|
| 03/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Having filed initial complaint around collection activity pertaining to a debt not owed, I received communication that the collection account would subsequently be removed from my credit reports with all three bureaus. Several months later, that has still not happen, and debt is currently being reflected across all three credit reports.
|
| 01/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received notification via a credit monitoring app that a company called Commonwealth Financial added a collection account to my XXXX credit file on XX/XX/XXXX. I checked with my state of Florida Office of Financial Regulation and this company 's license to conduct collection activity in Florida as been revoked/voided since XX/XX/XXXX.
|
| 11/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Contacted common wealth financial and they wanted my credit card information to check my credit report I felt uncomfortable so I called the original creditor which is XXXX XXXX XXXX and gave them my information and they had no records for either myself or my son and stated they dont even use commonwealth as their debt collection agency
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Information reported inaccurately to credit bustard. Unsuccessful disputes with documentation proving the following Collection accounts listed below are not mine and reported inaccurately.
Common wealth financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Commonwealth failed to verify debt.
Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 date VIA USPS certified mail. You can track this package using THIS tracking number.
XXXX
|
| 10/21/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
this medical bill was report to my credit and is not accurate or factual I had no knowledge of this and has dropped me XXXX points from account number XXXX original debt was XXXX XXXX XXXX XXXX commonwealth financial has placed this on my credit report with no prior knowledge of this belonging to me I ned this removed and immediately
|
| 12/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Recently the commonwealth financial group has falsely reported my address the credit bureas as XXXX XXXX XXXX XXXX XXXX FL XXXX which is XXXX XXXX and is on my my credit report to destroy my reputation. I want this remove immediately and will be obtaining legal counsel if not. The is an act of fraud and must be deal with accordingly.
|
| 04/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I sent a certified debt validation letter to common wealth financial company asking them to verify the debt they claimed I owe. They in return sent me a letter back stating to dispute the validity of the debt. I in fact had already done that and they didn't send me proof that the debt in question actually belonged to me.
|
| 11/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Over the last 3 weeks I have been receiving XXXX5 calls a day from Commonwealth Financial ( CFS ) A collection agency. They are asking for a XXXX XXXX XXXX whom I do not know. I have told them them 5 times now that I do not know this person and to stop calling me however the calls continue.
Some of the numbers are : XXXX, XXXX, XXXX
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
XXXX XXXX is a scam and didnt receive proper treatment yet charged. Had to go to actual orthodontist. {$1300.00} Installment loans on my account had hidden fees that were Not disclosed.
XXXX XXXX XXXX XXXX and XXXX XXXX call me everyday to settle account but shows up as charge off and are actively charging the account. {$620.00}
|
| 08/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A medical collection bill I have been disputing has been duplicated by a new company. This debt is not owed and have never been validated XXXX XXXX XXXX and Common Wealth Financial System are trying to collect the same debt for a company named XXXX XXXX XXXX I do not know who this is and have never received a debt vallidation letter
|
| 07/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I noticed that Common Wealth Finance reported {$200.00} debt in my credit report and I asked them to remove it since I have always been covered with health insurance and never received a bill from anyone related to XXXX XXXX. I asked them if they had proof of my debt to please send me details, they never did and again reported me.
|
| 06/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have no knowledge of these accounts and need to have them removed from my credit report. I am just starting to clean up my credit and I realized that there were accounts that are not even mine. I have filed complaints with XXXX but have not been able to do the same with XXXX. Their site is garbage. I really need help with this.
|
| 12/02/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I submitted letters & documents showing proof that I had insurance and was covered. I verified with the hospital as well and they sent me an approval letter that I sent 2 all collection agencies and all 3 credit bureau and this collections still has yet to be removed from my XXXX XXXX XXXX account. I have documentation if needed.
|
| 03/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This company contacted me regarding an alleged debt that I do know owe. In the letter it states that I can not be sued for this debt because of the age. Therefore I demand that this company cease and desist contacting me regarding debt I do not owe and is not collectible and to not then sell this alleged debt to another company..
|
| 01/27/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Commonwealth financial is trying to collect a debt that is under another persons name and assign it to me. They refuse to remove from credit bureau. The person has a similar name.
They refused to verify by some means or send a copy of the bill for my review. They can not do this is is illegal. They have to confirm debt is mine.
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm trying to buy a house the information that was on my credit report was not accurate. I realized that I had damage report on my credit report. Some was already all paid off, they still have it on mmy credit report. According to the law 15 U.S.C 1681 there should not be no damage on my report it's a definition to my character.
|
| 07/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent several dispute letters as this is not my debt. I have always had insurance to provide to any hospitalsbut this bill is not mines.
Also this is a party that is trying to collect a debt on confidential information concerning my health. I do not know how this company receive my info and also on a debt that is not mine.
|
| 08/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 05/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My home number XXXX is called repeatedly by debt collectors. Commonwealth Financial calls, asks for XXXX and then hangs up. They do not identify themselves. I had to call the number back to get the name of the company.
I am not XXXX. I do not know XXXX and have never known any XXXX 's. I have had this phone number since 2003.
|
| 08/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
one day I was looking at my credit report and it was there I have no idea how these people got my info but I know for sure it's not mine. I don't know what else to say this is the info I got from my credit report commonwealth financial for {$1000.00} they keep putting it on my report as collections for the past 3 years I think
|
| 01/19/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 11/29/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 06/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Insurance company paid medical bill for emergency room visit on XX/XX/XXXX.
This verified with blue cross/shield in XXXX.
Commonwealth financial system is requesting payment for the same medical bill paid by blue cross/shield in XXXX, now in XX/XX/XXXX.
Requesting payment for a bill already paid 7 years ago is fraudulent
|
| 12/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 05/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Commonwealth Financial, located at XXXX XXXX XXXX, XXXX XXXX, PA, XXXX ( XXXX ) XXXX, reported a debt in the amount of {$610.00} on XX/XX/XXXX.
Date of first Delinquency was in XX/XX/XXXX. I became Medicare eligible in XX/XX/XXXX-and provided said proof.
This company RE-AGED the debt on XX/XX/XXXX-impacting my credit score.
|
| 03/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I received a notice from my credit monitoring service that Commonwealth Financial has added a derogatory ( collections ) account on my credit profile with XXXX. I have never heard of this company, never received any collections notice nor notice of right to dispute as required by federal ( FCRA ) and California ( CCRAA ) law.
|
| 12/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN XXXX XXXX IN MY NAME. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX
|
| 09/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
i do not live in that state and have not lived in that state for years or at any time the charges incurred. I have no knowledge nor have i approved this debt. my landlord will honestly vouch for me and so will my boss. it is impossible for me to have obtained this debt. please remove this debt and any others from that state.
|
| 02/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX had reported 2 identical accounts from Commonwealth Financial Systems XX/XX/18 in the amount of {$1300.00} it shows up twice. This is due to identity theft because I have never lived in XXXX, KY. I would these items removed because I have disputed the info and CFS stated they would show I am disputing the inaccuracies.
|
| 01/31/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. XXXX XXXX XXXX XXXX XXXX for {$310.00}. Commonwealth financial/XXXX XXXX for {$2300.00}. Commonwealth Financial XXXX XXXX XXXX XXXX for {$2000.00}. Please assist.
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
COMMONWEALTH FINANCIAL Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
COMMONWEALTH FINANCIAL Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$2700.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 03/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
An old debt from XXXX XXXX in XX/XX/2014 was already paid before it reached collections. However, Common Wealth Financial purchased the debt from XXXX XXXX XXXX, who was also repeatedly told not to contact or sell my personal information with anyone They were also told to cease and desist all contact with me in the future.
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
COMMONWEALTH FINANCIAL Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$830.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 03/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was in prison ( for something that happened during an acknowledged mental break ) and my son was taken to the doctors months into my sentence. When I left he had insurance and everything for him was up to date. I get out 2 years after the hospital trip and I have an account in collections while piecing my life together.
|
| 08/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Commonwealth Financial at XXXX XXXX XXXX XXXX, PA XXXX, has been sending me collection notices in the amount of {$650.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my consent nor signature.
|
| 07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This collection agency is violating my rights. This account is a complete violation of the no surprise act 2022. Delete immediately. My privacy is protected under HIPPA laws. If you fail to remove litigation will follow. I have a medical bill that an out of network provider is charging me without my prior authorization.
|
| 11/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Commonwealth Financial Systems filed a collections against me with the 3 credit bureau companies for XXXX XXXX XXXX XXXX XXXX stating I did not pay them. I spoke to Commonwealth and they agreed that is was not my debt and they will remove the debt against me and report it back to the 3 credit bureaus to clear my credit.
|
| 12/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This is a medical bill. I have insurance that the emergency room should have billed. I was never given any knowledge of this bill. They violated my HIPPA rights sharing this information with a 3rd party collection agency instead of correctly filing with my insurance or even giving me a chance to file with my insurance.
|
| 03/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I owed a balance from XXXX. This went to collections. It was to have come off my report in XX/XX/XXXX. Before that happened, it was bought by another company. Now it looks like it is a recent collection. Which it is not. Getting denied for a lot. Credit score looks worse than it should. How can they get away with this?
|
| 12/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
HIPAA violation ... ..
Commonwealth Financial Systems Inc Acct # XXXX Commonwealth Financial Systems ... .did not provide me a HIPAA release that releases my medical information to them ... .i am proceeding with legal action should this item not be deleted from my credit report within the required time allowed by law.
|
| 08/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
What is this complaint about? Collection Agency What type of problem are you having? damaging my credit What happened? Collection Agency bought old doctor bills that insurance paid already What company is this complaint about? Commonwealth Financial Systems, Inc Who are the people involved? XXXX credit, XXXX and XXXX
|
| 12/01/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Commonwealth Financial System mailed an invoice of {$770.00} service date of XX/XX/XXXX. I have disputed this information with XXXX and XXXX. XXXX has not responded to my validation letter sent on XX/XX/XXXX. XXXX is stating that this debt is valid when I have not received any contract information regarding this debt.
|
| 10/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and XXXX XXXX. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
|
| 10/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I started receiving robocalls a few days ago from an outfit called Commonwealth Financial which I ignored because I have no outstanding debt with any party. Now they have dinged my credit by 100 points and I am livid! I do not recognize this debt or this company and they have many fraudulent marks against them online.
|
| 07/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
the two debt listed by commonwealth finance are incorrect, they reopened old bill, & the hospital they are collecting for was given my insurance info i had XXXX XXXX XXXX though medicaid office from XXXX up to XX/XX/XXXX, then moved to pa and have been cover under medicaid since XX/XX/XXXX ... my contact number XXXX
|
| 11/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX 2017. XXXX report indicate I have an emergency bill medical via a facility that uses Commonwealth Financial as a collection agency. I have XXXX. I did not go in the hospital or emergency room for treatment. XXXX is reporting false information. This is the second false report on my credit since their breach.
|
| 05/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am filing this complaint against COMMONWEALTH FINANCIAL . They have not responded to correspondence of having a duplicate account on my credit report and not providing any information as to the debt. I am requesting that both accounts be removed immediately from all XXXX credit bureaus. {$1100.00} XXXX XXXX
|
| 10/28/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I was looking at a collection noticed I received and I noticed that a medical debt was transferred in my name to a 3rd party agency. I did not give permission for this third party to receive my medical information. This is a violation of my hippa privacy rights as I did not authorize my information to be transferred.
|
| 11/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my account! The previous company, XXXX XXXX advised me that they were not able to verify the debt. Instead of it ending there, they sold this fraudulent account to someone else who NEVER contacted me. This is a fraudulent account and it was placed on my credit report under deceptive means! Remove it now.
|
| 10/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
This company is re-aging this medical debt. It is over 5 years old. They removed it and reported it as occurring XX/XX/XXXX. This is false information.
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX.
Correct date of service is XX/XX/XXXX. Reported as XX/XX/XXXX
|
| 12/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX account opened Amount owed- {$1000.00} Company Name- Common Wealth Financial Not my debt, havent been to the hospital since XX/XX/XXXX and I had insurance to cover my visit and I go to the walk-in click for my dr visit I pay cash ... there is no way the account that was opened in XX/XX/XXXX is my debt!!!
|
| 02/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Common Wealth Financial has reported a Collection account on my credit reports for {$180.00} that does not belong to me. This has caused my credit score to drop and is causing issues. This does not belong to me. I have never received any communication from them regarding this matter nor do I know anything about it.
|
| 01/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have a deletion letter from the Collections agency, however, the derogatory remark was NOT removed from my credit report. I am recently divorced and am attempting to refinance my ( and my children 's ) primary residence, I can not complete the process until this is removed. XXXX has not complied with my request.
|
| 02/09/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received to statements claiming I visited XXXX XXXX XXXX. Once on XX/XX/2015 acct # XXXX for {$1400.00}. Another on XX/XX/2015 acct # XXXX for {$480.00}. I am a regular patient at the XXXX XXXX XXXX XXXX. I do not go outside the va for my medical svcs as for my recollection I have never visited XXXX XXXX XXXX.
|
| 08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
|
| 11/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Well I keep disputing it online and then it gets takin off my credit report then they put it back on my credit report saying new account open and it was sold to a new creditor which is illegal Commonwealth Financial opened XX/XX/2019 the last time they put it on my report it said XXXX of 2019 amount of {$1300.00}
|
| 08/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I had XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. If this really is my account, it is evident that XXXX XXXX XXXX XXXX simply failed to bill my insurance in a timely manner. I have attached a letter from Missouri Department of Social Services stating the dates I had Medicaid/MO XXXX insurance.
Account XXXX : XXXX
|
| 04/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Sent a validation letter certified to Commonwealth Financial XXXX XXXX XXXXXX/XX/XXXX. This company failed to submit all requested information listed in letter. They only sent an itemized bill and failed to take off my credit report and what I requested on the validation letter including signatures for services.
|
| 01/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this was originally reported by XXXX XXXX but when disputed now it's showing up from another company. I've always had insurance and I am under the impression that this is an old hospital bill but can't get the original debt contact informant. These collectors are passing around my information like I don't matter
|
| 03/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act ( COMMONWEALTH FINANCIAL ) ( XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A, states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 04/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection account magically appeared on my credit report from Commonwealth Financial with no notice in the mail or phone contact. I have no knowledge of this alleged debt. The put this on my credit report " damaging '' my credit score. I have sent a letter to Commonwealth Financial asking for validation.
|
| 08/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On X/XX/2017 I discovered a negative credit item and account number from Commonwealth Financial had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
|
| 04/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
There are two collections on my credit report. I have never received bills from this office, I have had health insurance since 2010. I do not owe this money. Also, there are two negative reports that I believe are the same bill. I have tried to call them numerous times. The voicemail box is consistently full.
|
| 03/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I checked my credit report and there is a resolved and closed account issue that has reappeared threw another creditor by the name of ( Commonwealth Finance ) .This account was closed by the creditor ( XXXX XXXX ) and submitted to the necessary credit report agencies for permanent deletion from credit report.
|
| 11/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed and mailed them a debt verification letter in early spring XX/XX/XXXX. This account was deleted from my report and they just illegally readded it to my credit report on XX/XX/XXXX. Unbelievable. I would like this account removed as it was previously deleted from my report and readded monthes later.
|
| 06/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Left voicemail saying they were about to take me to court over a debt from " XXXX '' that is more than 20 years old, plus it would have been discharged in my 2012 bankruptcy filing. When I stated I was aware that they were scammers, representative used abusive language and called me names, then hung up on me.
|
| 04/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act XXXX XXXX XXXX and XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A-states I have the right to privacy.
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 08/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have recently reviewed my credit report and I would like to inform you the inaccurate reporting on my credit file. I am requesting under the Fair Credit Reporting Act ( FCRA ) 15 USC section 1681i, that a investigation on this account from Common Wealth Finance for XXXX XXXX XXXX for XXXX this is not mine.
|
| 06/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company, Commonwealth Financial is attempting to collect debt on an medical debt that is not owed to them nor have I ever had an account with Commonwealth Financial. Also, the reporting date is incorrect and the amount is reported incorrectly twice as two entries on my credit, further damaging my score.
|
| 12/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Collection Agency Common Wealth Financial
account XXXXfor $XXXX and XXXX for $XXXX
I have talked with this company and advised that this is for me and that they have no bill nor proof of my DL id or signature. I have disputed with XXXX, XXXX and XXXX and they have failed to remove this off my credit report.
|
| 03/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was in XXXX ( for something that happened during an acknowledged XXXX ) and my son was taken to the doctors months into my XXXX. When I left he had insurance and everything for him was up to date. I get out 2 years after the hospital trip and I have an account in collections while piecing my life together.
|
| 10/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I HAVE CONTACTED THE ORIGINAL CREDIT AND THE COLLECTION AGENCY FOR PROOF OF SERVICE FOR THIS MEDICAL BILL. I WAS PROMISED TO HAVE IT RESEARCHED AND TO RECEIVE IT VIA MAIL. NO ONE CAN TELL ME WHAT THE BILL IS FOR, WHEN SERVICES WERE PROVIDED, AND WHO WAS THE PHYSICIAN. I AM ASSUMING THE RECORDS DO NOT EXIST.
|
| 04/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been trying for months to have this removed from my credit report. I have submitted credit disputes with all three credit bureaus without success. I have disputed directly with the collection company and I am ignored. Please help me resolve this. This needs to be removed from all XXXX credit bureaus.
|
| 10/12/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
on XX/XX/XXXX I called this creditor to obtain further information in this alleged debt. They could not provide me with verification and or why this is listed as a past due and collection, How is this possible? This is an alleged XXXX Debt of {$100.00}. Please remove this inaccuracy from my credit reports.
|
| 12/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2017 I had a procedure done at XXXX XXXX Hospital. At that time, I was under XXXX 's financial assistance program and everything was covered 100 %.
The amount XXXX XXXX claims I owe is {$710.00}. I have contacted them a few times and I have provided a letter to them showing XXXX XXXX paid the bill.
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
CFBP write up In accordance with the fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A .states I have the right to privacy. 15 U.S.C 1681 section 602 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
|
| 04/22/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Commonwealth financial is trying to collect a debt that 1. Has already been paid 2. Accounts were removed my my XXXX credit file in XXXX XXXX and commonwealth re added the accounts ( after removal ) in XXXX XXXX. 1. Accounts were paid 2. Accounts are past the statue of limitations on which it can collect.
|
| 05/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
A gentlemen named XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX has called repeatedly trying to collect a debt from someone I have never heard of named " XXXX something ''. I was polite the first few times as we told my number would be removed but they continue call from morning until night.
|
| 08/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX {$110.00} XXXX XXXX {$300.00} COMNWLTH FIN {$1600.00} COMNWLTH FIN {$1100.00} COMNWLTH FIN {$550.00} COMNWLTH FIN {$550.00} Every one of these charges on my credit has been fraudulent. I have never received medical treatment from the types of doctors listed, nor anywhere near the dates issued.
|
| 01/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I checked my credit score and found I have 4 separateaccounts in collections from commonwealth finance systems for a total of {$4400.00}. I have n't gotten anything in the mail regarding anything, and it 's killing my credit score. I 've tried to call but keep getting passed off and never gets resolved.
|
| 05/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
Commonwealth Financial c urrently is trying to collect a debt for the amount of {$930.00}. They have kept this on report when they also do not have a license to collect in the state of Florida. I have contacted them asking for the removal and also forward this information to all XXXX credit bureaus.
|
| 08/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I recently reached out to these reporting agencies regarding a medical debt. The information that was provided led me to believe that they have violated my HIPAA rights. One company say that the debt was started this year but its been several years since Ive seen a doctor other than my personal doctor
|
| 01/12/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
They are calling my job my parents number and other family members telling them that a claim was issued aganist me and do they know of my where about using a robotic dialer. I have spoken with them and they refuse to give me any information in regards to what it is about unless I provide my ss number.
|
| 06/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I ask this company to validate this debt for me and they still haven't properly verified or validate this debt. I do not have any knowledge of this debt. Under the FCRA section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original sign contract.
|
| 05/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a medical collection on my credit report that should have been covered by my insurance, I should not have been hit with this debt. I have provided proof that I was covered under medical insurance during the time of this service. I want this account removed off of my credit report immediately.
|
| 02/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This number calls me at least 4 times a day.
They usually hang up. So I, called back and requested information on this debt. He hung up once i asked.
I called back and asked they stop calling me. It was around XXXX XXXX. He told me pay your debt and was very nasty. Yelling cursing and carrying on.
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
COMNWLTH FIN XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$62.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 02/12/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have received a collection letter from Commonwealth financial systems. It states I owe a medical debt from XXXX of XXXX county. I have paid this debt off and have proof from the instution. They have also reported this false claim to the credit agencies and my credit score has dropped XXXX points.
|
| 12/07/2016 |
Yes |
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
I have a lot of Medical bills on all XXXX of my credit report that do n't belong and i have been trying since last year to have them remove plus other fraudulent stuff that has been removed and put back on my credit i do n't know what else to do so i am going to download all the information i have!
|
| 09/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
Thank you, XXXX
|
| 09/03/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
Thank you, XXXX
|
| 03/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have informed this company A. that the alleged debts that they provided to me are not mine. B. I've informed this company NOT to contact me during work hours. I work from home and on TWO occasions they have contacted me during working hours. Once I remind them of this they apologize and hang up.
|
| 02/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Had Medicaid insurance. Medicaid stated they only have three months to submit claim. We gave them all of the information. At one point this company had four different collections on my credit report that were not correct. They were all removed and now a year and a half later one has popped back up
|
| 03/03/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Never received a bill from these people. Recently applied for a credit card and was denied due to past due payments. Pulled a copy of my report. This charge is dated XX/XX/2016. I have no medical bills from that time. Have written a letter to creditor requesting information. This debt is not mine.
|
| 05/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
1. This debt company is that they have never contacted me to stated that this debt was owed by myself or given me the opportunity to dispute this false debt!
2. The only persons debt that this could be is my deceased fathers, we have the same name.
3. The debt is from more than seven years ago.
|
| 05/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I reviewed my credit report and had come to find out I had unknown accounts on it. I reached out to Commonwealth Financial Systems to try to fix the issue but it was no avail. All 5 accounts are Hippa Violations and I haven't received any services nor products from Commonwealth Financial Systems.
|
| 05/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
COMMONWEALTH FINANCIAL XX/XX/2018 Date Opened Collection account. {$530.00} Collections were closed on my XXXX dispute.
Dispute Reasons Accuracy : The dates on this account are incorrect.
This account is too old to be on my credit report.
XXXX dispute has not closed and still is not accurate.
|
| 01/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This so called debt was removed when it was placed with XXXX after a CFPB complaint in XXXX of 2021. The current debt collector Commonwealth is violating the FDCPA and FCRA by not sending me notice, XXXX or an opportunity to dispute the debt. Thus is the result of identity theft. It is not mine.
|
| 06/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX I disputed it it was taken out of my credit amount of {$620.00} I do not know where this collection amount came from never been to the office or nor do I know where it is located at my documents where missing XXXX my ID card and bank card at that time. Now they report it again on my credit.
|
| 04/21/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was sent a letter from Commonwealth Financial stating that they would notify fy the XXXX major credit agencies once i made the payment stated in the attached. They did not ... I have called multiple times to XXXX XXXX XXXX , XXXX XXXX XXXX . XXXX , and XXXX XXXX no response.
|
| 08/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 11/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Company is trying to collect a debt thats been added to my credit history more then once and Ive informed them I want that fixed before paying the only one instance of debt I owe, they call a few times a week. They called two days in a row XXXX and XXXX to give a example of the frequent calls.
|
| 08/14/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I pulled my credit report and noticed that this company has reported that I owe them money and to best of my knowledge I have never received any service from them nor have I signed a contract stating I would. I was not afforded with challenging or disputing the debt in accordance with the law.
|
| 09/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I sent a letter to Commonwealth Financial in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received validation or a response yet as to if there is an investigation in progress, please fix this immediately.
|
| 09/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a medical debt showing on XXXX XXXX and XXXX from Commonwealth Finance for {$800.00} for services rendered at XXXX XXXX XXXX. I did NOT receive any services from this establishment, nor I have signed any documents stating that I am responsible for any bills for myself or anyone else.
|
| 01/21/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company has placed a debt for medical bill which does not belong to me. Also, how did this company get my social security number to apply to me? It has already placed the debt to another person who shares the same address as me with the same name. I assume they do not verify information.
|
| 06/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth, XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00}.
I have no knowledge or proof stating that I'm the owner for these debt collection payments but they are showing up on my credit report.
|
| 04/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a collection on my credit reports from a collection agency called Commonwealth Financial. This collection agency is reporting a collection that has already been disputed and removed by XXXX XXXX. This collection was not mine and now they are trying to collect on the very same account
|
| 03/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I noticed medical debt with commonwealth and I sent in Hippa validation letter. They never responded on the claimed medical debt. I am unaware of any current outstanding medical debt and I have never signed anything allowing Commonwealth to have possession of any medical data concerning me.
|
| 04/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company repeatedly robo calls my fax machine every single day. Because it is automated and to a fax machine, there is no way to get them to stop.
I have no accounts in collections and these calls are not for me. Because it is a robot dial to a fax machine, there is no way to stop it.
|
| 03/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Both the collections accounts on my report or not valid they are supposed to have been paid by alabama medicaid and were obviously billed wrong. I have tried disputing them around XXXX and XXXX last year but keep reporting now im being turned down for a mortgage due to medical collections.
|
| 05/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX has added XXXX collections in my account for the 3rd time. I have not been to the emergency room at all. This issue was resolved years ago and i also sent information in verifying this was not me. Now here we are again they sold the debt to COMMON WEALTH FINANCIAL.
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The following accounts appearing on my credit report are fraudulent : COMMONWEALTH FINANCE {$1200.00} XX/XX/2021, XXXX XXXX {$2000.00} XX/XX/2021, XXXX XXXX {$61.00} XX/XX/2021, XXXX XXXX XXXX {$1400.00} XX/XX/2021, XXXX XXXX XXXX {$640.00} XX/XX/2021, XXXX XXXX XXXX {$930.00} XX/XX/2021.
|
| 12/27/2020 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have advised the company & XXXX on multiple occasions to remove this medical collection as it violates my rights per the HIPAA ACT & my medical information is confidential! Neither the company ( COMMONWEALTH FINANCIAL ) nor has XXXX removed this medical collection from my Credit Report.
|
| 02/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
this company, changes variations of its names, dings my credit, pulls it off, dings it again, sells the debt, pings my credit, over and over ... I have made complaint, had it removed, only for them to come back do it again, this company Commonwealth and XXXX appear to be in this together
|
| 09/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There 's a {$160.00} debt on my credit report. I have not been to this doctor. I called and they say that it was my minor son 's debt. I did not sign a Financial Responsibility form so this is his debt. I did n't know he had even been to the doctor. This practice is illegal in Tennessee.
|
| 04/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Date : XX/XX/2022 Company : XXXX - XXXX Company Phone Number : XXXX I XXXX XXXX XXXX Paid A Settlement Amount Of {$280.00} ( Confirmation # XXXX ) For A Collection Account To Be Removed And Was Told In 21 Business Days The Account Will Be Removed From All Credit Bureau Reports/Account .
|
| 09/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The credit company failed to follow proper federal credit reporting act prior to putting four medical debts on all credit bureaus. The medical debts were removed from my credit report, then put back on prior to following proper procedure. I had health insurance at all times in question.
|
| 11/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent out a debt verification letter to verify that this was my actual debt on XX/XX/2018, a second attempt on XX/XX/2018 and a third attempt on XX/XX/2018. I have gotten no response back from the company. I would like to pay off this debt if they can verify that it is in fact my debt.
|
| 06/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I saw this company on my credit report Commonwealth financial they have two accounts with the same amount of debt in my report they are saying it's my debt but I was not at any hospital 2012 they keep doubling my credit reports never got any information from them regarding any debt owed
|
| 11/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
CommonWealth Financial acc # XXXX is reporting on my credit report. I have not been to the Hospital or had any medical attention and this is not my account reporting on my report with these people. I am requesting full deletion of this account on all credit reports to not be added back.
|
| 09/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Commonwealth financial services continues to report me to XXXX, XXXX, and XXXX via XXXX XXXX XXXX XXXX. I dispute the report and each time the reports were removed only to reappear with a different dollar amount owed. I believe I 'm being targeted as identity theft, fraud via cybercrime
|
| 09/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is about an ambulance service provided which I did not order, was not for me, was not at my residence. I have NEVER received any paperwork regarding this, no invoice or billing for services. This has been turned over to a collection agency that will not provide me any information.
|
| 06/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
COMMONWEALTH FINANCIAL SYSTEMS {$620.00} XX/XX/2018 I tried to dispute it with XXXX because it just was posted on my credit report. I tried calling the company and they were very rude and non responsive and threaten me they were going to sue me if I didn't pay the amount above or more.
|
| 01/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My wallet was stolen. I checked my credit and saw an account on it. I contacted the debt collector and sent them all of the needed documents they requested. The agreed the debt was not mine but refuses to remove it off my credit report. They are basically holding my credit for ransom.
|
| 04/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I I have paid agreed the credit collection agency has not lived up to the promised by XXXX , XXXX and XXXX , removing it from my credit report they said they would notify the credit bureaus XXXX XXXX and XXXX to have it removed from my credit report they have not done so
|
| 02/27/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Commonwealth finance is trying to collect and report on the same debt twice. This is very old debt and has been reported for a long time. Now its showing twice!! This is against the Florida statutes from what i understand as well as re-aging an account with no cause is also illegal.
|
| 02/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX i was never in a hospital since XXXX and my medicaid paid but these collection saying that i was recently in the hospital which I know it wasn't me at all the amount is XXXX and the other saying XXXX I don't know who they belongs to but I want them off my credit report.
|
| 09/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
two medical collections were placed on my XXXX credit report this month. I have never received any correspondence from this agency as required by law allowing me to dispute first. I have attached a copy of both collections to verify the account numbers, dates and amounts proposed.
|
| 07/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There are currently three items on my credit report that are being reported by a collection agency by the name of common wealth fin in the amounts of {$870.00}, {$590.00}, and {$65.00}. I have repeatedly tried to dispute these three items due to them not being my debt to no avail.
|
| 01/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On or around XX/XX/XXXX, I told them the debt was from XXXX and it was not appropriate for them to be updating the " opened on '' date, and sound illegal. The representative I spoke with informed me they had been operating for many years like this and it most certainly was legal.
|
| 06/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonweath Financial has placed this account on my credit report-it is not mine. I have disputed it and requested based on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act numerous time for them to validate it. They never have, they continue to ignore me.
|
| 05/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This medical debt is from 2014 and the collection agency is not showing a " date of last activity '' with the creditor. This was due to an injury on the job and my employer paid this. I didn't try to fix this because i didn't even know I owed it since my employer paid it in 2014.
|
| 12/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This company never made contact with me about any potential debts that they had for me. They have listed 2 medical debts on my credit reports without notifying me. I want these debts for {$1800.00} and {$720.00} removed from my credit reports until they can be properly validated.
|
| 02/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I recently discovered that in early XXXX 2017, the company reported negative information to the credit bureaus regarding a debt I have no knowledge of. I have never received any correspondence from the company and have no idea who they are or who the alleged original creditor is.
|
| 10/22/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I requested validation upon receiving notice but the letter was lost in transit. Which I will attach proof of that. So I sent a new letter which they signed for and never responded. They continue to report the debt without validation which is illegal under 809 ( b ) of the FDCPA.
|
| 03/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am XXXX XXXX the natural person. Im disputing this matter on my own behalf. Commonwealth Financial Systems Inc is reporting a collection for a medical bill on my consumer credit reports. I never did any business them. I do not know how they got my personal private information.
|
| 10/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The account in question has been disputed and removed from my credit reports several times. This account starts with XXXX for XXXX this is not valid debt. Now its posted on my XXXX report again. This needs to be addressed! Remove this account out of my name and off my reports.
|
| 12/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ive sent letters asking for verification of my original signature and was not given any proof only a bill that was generated from their computer systems this is old it came off my credit report and now they are back with the harassment phone calls please can you help me fix this
|
| 06/17/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
|
| 06/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
|
| 12/09/2022 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
These people common wealth say I owe them XXXX $ when I have no idea for what, they have tarnished my name and credit and need immediate action to solve this dilemma, I appreciate your help and look forward to referring your business to my friends and family for years to come.
|
| 10/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent several requests to validate this account with no response. This is not my account /debt. This is a hippa violation with no legal contract in place. Please remove from my credit report. Disputes has also be submitted. I'm prepared for further action this continues
|
| 04/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I don not have any knowledge of this debt or where it comes from.
I have never received any written notification about this debt.
It should not be on my credit report due to me not having a chance to validate this debt.
It needs to be removed from all three credit bureaus.
|
| 11/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello m name is XXXX XXXX, I am trying to deny all medical collections on credit reports. They are also duplicated numerous times on my credit report. I would like to know how I go about fixing this problem. From my understanding all medical issues should not be on my credit.
|
| 01/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am being charged for a bill that was supposed to be paid through my insurance company and the hospital has not submitted the bill for payment to my insurance company. Rather they have turned the bill over to several collection agencies and it has now compromised my credit.
|
| 09/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Company says I owe them but can not provide original documentation with my wet signature containing my agreeance to services. I personally have not been to the XXXX since XXXX under my mothers insurance.
This must have been from my ongoing ID Theft. I will update the FTC
|
| 08/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
COMMONWEALTH FINANCIALS hit my credit with something that is not mine they claim I went to the hospital in XXXX XXXX when I havent I have insurance with my job & I havent gone to the hospital this is fraud i was never aware of this charge. Nor who is using my information
|
| 05/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is trying to collect a debt that is not mine. They are the 3rd collection agency to try to collect this amount. I have been in contact with XXXX XXXX XXXX XXXX and they do not have me on file or owing them any money. I would have paid my debt if I owed them.
|
| 10/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Today I pulled my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into any contractual agreement with them stating that I would pay them for any services or goods
|
| 11/23/2015 |
No |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XX/XX/XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.
|
| 11/21/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XX/XX/XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.
|
| 06/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have no idea where this item came from that showed up on my credit report. I have not received a bill or anything stating exactly what the charge is. It looks identical to a false charges that was placed against me years ago that your agency assisted me with resolving
|
| 11/23/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XXXX XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.
|
| 11/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I have an item on my credit report that should not be there. It has affected my credit drastically and needs to be removed now please. I have already sent a dispute letter and it has been 31 days now and this item is still here. Please remove it now. Thank you.
|
| 11/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
The original creditor and Commonwealth Financial servicces have previously been notified this debt was the result of identity theft.. Commonwealth and the original creditor removed it from my credit report.. The false debt has once agian been put on XXXX, XXXX, XXXX..
|
| 06/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX is location in XXXX I believe, I do not know who they are. I am on State insurance. This is and should be covered by state insurance.
But the dates DO NOT coincide with the dates I moved to XXXX. It can not be me as I moved to XXXX over a year ago.
|
| 03/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently checked my credit score and I have a debt on my report of XXXX for common wealth which when I looked it up it is a collections. This does not share anything in common with any of my other debts after reviewing my scores and would like it to be discharged.
|
| 07/01/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This debt was already resolved through CFPB and there is a case number associated with completion. The original holder was XXXX and I believe it was sold to another agency, however if I continue to be harassed by bogus accusations, will attempt to file a tort claim.
|
| 01/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The company has not supplied proof under the doctrine of estoppel by silence XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX XXXX I have not signed any documentation from said company. I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
|
| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have several collection accounts with this collection agency that should be past the statue of limitations. They were emergency room visits from XX/XX/XXXX and this company bought the debt and marked it as new as of XX/XX/XXXX.. thus illegally reaging my account.
|
| 10/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Continue attempts to collect on debt that i never made.. i told them it was not mine and they persist on attempts and add more charges.. that are also not mine ... they keep bringing my credit score down and attempt to bully me in yo paying this debt i do not owe..
|
| 06/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ALL CREDIT AGENCIES REPORTING ID FRAUD ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX, XXXX '', XXXX XXXX, COMMONWEALTH FINANCIAL SYSTEMS, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.REMOVE ID FRAUD ACCOUNTS FROM CREDIT FILE ASAP
|
| 03/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Commonwealth Financial Systems added several account to my credit report. I requested a letter of validation in XXXX and they have fail to send me any documentation proving that the debt is mine. Ive also ask them to remove it from my credit and they still havent.
|
| 08/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Between XXXX XXXX, XXXX and XXXX XXXX, XXXX a collection agency reported a debt to the credit bureaus. This collection agency Commonwealth Financial Systems is not licensed to collect in the the state of Florida. Also, their licensed in PA has been revoked/voided.
|
| 01/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX has a collection reporting to my credit and I have never had an account with them, Ive only ever lived with my parents, where I dont pay bills. I have had no other address other than XXXX XXXX XXXX XXXX. This account has had to been opened fraudulently.
|
| 02/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
There are several accounts listed on my credit file from several companies all in the same amount, these are unknown, I have requested validation and nothing has ever been received and they keep on getting reported same amounts by different companies. Please help
|
| 10/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This account does not belong to me and it coming it out of nowhere.
|
| 11/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This debt was already paid for by XXXX. This debt was signed for by my childrens father not me. Commonwealth financial fraudulently purchased this as a debt when it was not. Even there hospital said it was paid. This company does not act on fair credit reporting.
|
| 06/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
They're trying to collect on a very old debt and recently added it as a derogatory account to my credit report after it had previously fallen off due to statute of limitations and the fair credit reporting act. They additionally have provided nothing in writing.
|
| 08/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I just received a credit report for identity theft and there is 2 commonwealth financial systems on my report for a total of {$1100.00}. Dor the past two months. Now I have not been to the hospital in years. Its either someone using my identity or this is fraud.
|
| 01/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Im not sure of dates but one was from XX/XX/XXXXone from XXXX through XXXX that i never had or did anything for, also medical bills through the med express when i had insurance through XXXX but they never paid it and added it to my account to make my credit bad.
|
| 08/31/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Common Wealth aka or dba XXXX, reported XXXX medical collections to my bureaus as XXXX accounts. I paid the accounts and they provided me with a deletion letter to only turn around and report new collections on my XXXX Report 16 days after I paid the collections
|
| 05/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
I recieved multiple calls from a Commonwealth Financial Systems , Inc. before XXXX and after XXXX CT on multiple occasions as well repeated calls to relatives from XXXX, XXXX, XXXX XXXX, XXXX XXXX. These appear to be from Commonwealth Financial Systems , Inc .
|
| 02/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a debt validation letter to the company requesting validation and I received a statement of charges on XXXX XXXX. This company failed to validate my debt. Please delete this information from my credit file and cease all collection activities immediately
|
| 06/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
An old hospital bill of mines from XXXX, which was resolved showed up on my credit report on XX/XX/XXXX as unpaid in the amount of {$980.00}. I disputed it through the credit reporting agency, it was removed and reported again immediately after being removed.
|
| 02/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This is illegal and should not be reporting on my credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX
|
| 10/31/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX XXXX ( XXXX ) calls and harassed myself, my XXXXyear old mom, and my husband. The debt was discharged in a bankruptcy and I no longer owe the debt. This company threatens to file charges with DA office. There is no such thing as going to jail for debts.
|
| 07/24/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A company called Commonwealth XXXX called me and told me they were going to serve me court papers and place a lean on my vehicle. I explained I do n't have any debt and do n't owe anything. They hung up on me. I called back and asked them not to threaten me.
|
| 04/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have disputed this account multiple times, it has been deleted and is now showing on my credit report again. This is an account resulting from identity theft and has already proven to be so. This should not be a recurring collection showing on my account.
|
| 04/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I tired to fix the issue with the credit reporting agency but didnt get the results I was so confused about this issue I sent in a police report and they didnt honor it XXXX XXXX is so direspectful with how they handle XXXX Americans identity theft problems
|
| 06/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This medical debt was associated with emergency care while on a trip to Florida in 2014. I am a veteran I use Veteran health care system the Veterans administration was legally bound to cover this medical expense. the payment should have been made by the VA
|
| 05/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
CFPB # XXXX Medical Bill {$710.00} XXXX XXXX Client Service stated in the complaint, a deletion update will be sent the three major credit reporting agencies for the account that is listed in this complaint. SSN last 4 digits XXXX. Account number. XXXX XXXX
|
| 11/03/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
There are XXXX collections from this collector. The lesser XXXX is for {$540.00}. I paid this debt and asked if I could make payments on the other. They never withdrew payments towards the other, and now both debts are back on my credit report as new debts.
|
| 10/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX and common wealth continue to attempt to collect a debt that is not mine. I have requested they supply me with debt validation and they have failed to do so. XXXX continues to reassign the collection debt, knowing they are unable to validate the debt.
|
| 08/15/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
Commonwealth Finance System, XXXX XXXX, XXXX is trying to collect a Medical debt of {$440.00} from XX/XX/2010 submitted by Virginia XXXX XXXX XXXX.
I have n't lived in XXXX for 6 years and never received a bill from anyone and nothing was forwarded to me.
|
| 12/27/2020 |
No |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
COMMONWEALTH FINANCIAL contacts me all the time, at work, on my cell, via postal mail & ive told them to stop contacting me. Ive also filed disputes with all the credit bureaus to remove this medical collection as it violates my privacy per the HIPAA ACT.
|
| 12/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
There is an account with Commonwealth Financial showing for some type of medical provider a XXXX XXXX XXXX and I have not had any type of medical emergency in over 7 or 8 years. This is not mine and I have no idea why it would be listed on my credit file.
|
| 02/21/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to re-sell their account to collection agencies to damage my credit for services not validated. They have been deleted twice from my credit report and now they are Sending defaming information on old debt that did not belong to me.
|
| 03/22/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
For the following dates, these medical dates are all the same amount. That is impossible! There is no way to have XXXX hospital debt collections on different dates all for the same amount. I want this fixed and they should be reprimanded or investigated.
|
| 11/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
|
| 11/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notification on my XXXX account that I had a debt owed to Common Wealth Financial for XXXX dollars. This debt is showing an alert date of XX/XX/XXXX. I do not go to Pennsylvania and have no clue why I would have any debt coming from there.
|
| 06/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received a notice about my credit report with a debt on there that did not look right. Tried to call the company and speak to them directly and the phone number provide is no longer in service. I would like to get this removed and investigated.
|
| 10/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018 a medical charge that doesnt belong to me was added against my credit report by CFSI without no previous notification toward me. I do not recognize this charge, it doesnt belong to me, and I needed to be remove from my credit. Thank you.
|
| 06/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Woke up to a collection on my credit report from Commonwealth for {$1200.00} on my XXXX. They never sent me any notification of this debt of what its for or allowing me the opportunity to dispute it. They broke the law and violated my consumer rights.
|
| 02/22/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Company reported a non valid debt to the credit bureau. Debt validation was sent via certified mail ( tracking number : XXXX ), and they have yet to respond. No idea who this 'debt ' belongs to or why it 's on my credit report. Account ending in XXXX.
|
| 04/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt was bought by common wealth financial services and was paid last year to the collection company and it was removed from my credit. 6 months later it appears on my credit with a different collection agency but same debt that was already paid.
|
| 03/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
An unknown debt appeared on my credit. I have been overseas for over 8 years. I have no knowledge of the debt nor do I know what its for. I was never afforded the opportunity to have the debt validated and or dispute- it was just placed in my credit.
|
| 03/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was not mine. However I paid it and was promised it would be deleted from my report. I was provided a delete letter. It is showing on my XXXX report. I request it is deleted immediately. The debt is from Commonwealth Financial for {$260.00}
|
| 10/05/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I submitted proof of insurance for this expense and the party received payment. I disputed this collection attempt with XXXX and it was removed from my credit report. It has now been added again. Please remove this, as the debt has been paid in full.
|
| 11/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
COMMONWEALTH FINANCIAL SYSTEM HAS REPORTED ERRONEOUS INFORMATION TO MY XXXX CREDIT FILE CAUSING MY CREDIT SCORE TO DROP WITH THIS FALES INFORMATION AM TRUING TO MAKE A HOME PURCHASE IN THE NEAR FUTURE AND THIS WI CAUSE ME TO BE DEINED NEED YOUR HELP
|
| 07/09/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I sent commonwealth financial a debt validation in the mail and fax on XX/XX/2015, its been over 30 days, they never responded with doscumentation of account, thats a violation of fcra and fdcpa i want it deleted from my XXXX credit file right away.
|
| 05/09/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation
|
| 04/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never sent any initial written communication to be notified of this debt/ to dispute this debt. By law I am given 30 days to depute before a debt is assumed correct and that was never given. This was then reported on my credit without notice.
|
| 07/19/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
So I have an open XXXX XXXX account XXXX on my XXXX XXXX XXXXXXXX I don't know why! I have not had services with them! my credit went down a lot! I already tried to talk to this company but they do not answer me!
I have no knowledge of this debt
|
| 09/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this matter already with this company.And I called them on XXXX-XXXX-17 as well.They told me they would send information on both accounts & that they would send deletion requests to all 3 credit reports which they have not done yet.
|
| 10/17/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Someone used my identity for medical services. I filed the proper police report and the debt collection company still refuses to remove the debt from my credit report. I also requested a copy of the bill with signature but the debt company refused.
|
| 03/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Common Wealth Financial Systems located at XXXX XXXX XXXX, XXXX XXXX PA XXXX contacted me via mail and ongoing annoying phone calls past XXXX and early in the mornings, before ( XXXX ) to harass, annoy, and abuse me about a debt that is not valid.
|
| 08/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Disputed with the company on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I've have yet to hear back from the company 30 days to respond, I have not gotten a response.
|
| 11/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I sent letter to request investigation into account. It has been more that 60 days and I have not received any results back. I understand that the credit bureaus have been given an additional 15 days to reply which that time as exhausted as well.
|
| 09/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received their letters about said allege debt. The forms they sent is nothing more than a bill with no signature. I do not know of said allege debt and it does not belong to me. I Want to see a signature were I signed for this allege debt.
|
| 05/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have contacted this company directly and also sent dispute to credit bureau to have this erroneous entry removed from my credit report. The credit bureaus have failed to investigate or respond to my inquiry, only update to restart time on debt.
|
| 01/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no knowledge of this account. When I called to agency collecting it, they provided a address that I have never lived at and said it is from a date of service from 2012. They had absolutely no information and I want it removed. Not my debt.
|
| 11/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX Account XXXX COMMONWEALTH FINANCIAL Account XXXX I have no idea who these companies are or what this debt is for. I have no written documentation, billing information or any details of these. I have disputed with XXXX to no avail.
|
| 02/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
I am a 100 % service connected XXXX veteran. All of my medical bills are paid by the XXXX. I told Commonwealth Financial and they didn't care. I was hit by a car, hit and run on my bike. There were other bills and they all got paid from the XXXX.
|
| 05/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a payment to XXXX XXXX XXXX but the check was returned because the address was incorrect. I noticed on my credit report that commonwealth financial systems had the debt for {$87.00}. I sent a payment but it still shows on my credit report
|
| 02/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company is reporting on my reports for medical that was deleted in 2012- At the time then there was no validation of debt and they resold the account to another company to try again and that was also deleted. Now here we are for a 3rd time.
|
| 08/23/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
I checking my credit report There is collection agency reporting information that is not mine I am retired and have XXXX and XXXX and all my medical bills are paid 100 % I have received no correspondence from this collection agency whats so ever
|
| 02/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I transported XXXX want worth to the hospital and whoever transport someone it doesnt mean that they are responsible for the medical pill. XXXX was in the custody of her father, who was ordered by court order to carry medical insurance on her.
|
| 02/15/2016 |
Yes |
|
- Improper use of my credit report
- Report improperly shared by CRC
|
|
Web |
|
|
This is a fake credit company. I have done research on this company, but they somehow managed to get into my credit report and illegal XXXX with my credit report, beinging my fico score down. Stating that i owe them money. Bogus if you ask me.
|
| 07/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Common Wealth Financial, XXXX, {$1500.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation
|
| 03/22/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.
.
|
| 11/12/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Common Wealth finance is trying to collect {$420.00} from me, but i never received a notice, nor recall owing that money to any collector. I 've made multiple attempts to contact that company, but I have yet to successfully speak to someone.
|
| 08/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company claiming I owe this medical debt is reporting to the 3 major credit agencies damaging my credit and I have never even heard of them and says the date opened wasXX/XX/18. this is impossible because I have full coverage insurance.
|
| 07/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Commonwealth finance is reporting a fraudulent account. I have never been treated at XXXX XXXX XXXX XXXX. I have no knowledge of this account, and Commonwealth finance has a long standing poor reputation for falsely reporting medical debt.
|
| 05/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This company is illegally re-aging my account. This account is past the statue of limitation ; however, the company keeps re-aging my account. Further, this company reported me to the credit bureau before providing me with a 30 day notice.
|
| 12/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I tried to dispute ComminWealth Finance over and over again. XXXX have not send me any information showing my signature or anything authorized me to this collection with a balance. I dont know or ever had an account with this collection.
|
| 09/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Requested itemized bill to verify the debt in XXXX, XXXX. Received itemized bill in XX/XX/2023.
Reviewing the list of charges that I was led to believe they should not be able to have, as a XXXX violation, I have paid all these charges.
|
| 11/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The company claims they sent something and I didnt receive anything. The dates communicated is not the original date. They havent provided any verification or validation of this alleged debt. What is the original date of the alleged debt?
|
| 04/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I Have Contacted the company to let them know the debt they assigned to me was an error on XX/XX/2019 and they let me know it was verified that the debt was mine i let them know it was an error and the debt was unverifiable and inaccurate
|
| 10/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Alleged Original creditor : XXXX XXXX XXXX Amount : {$600.00} Collections account opened : XX/XX/2019 Account has been disputed via XXXX and XXXX Debt is not mine. Company refuses to remove collections accounts from my credit report.
|
| 07/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I AM A VICTIM OF MY IDENTITY THEFT. XXXX MEDICAL BILL THAT I DO NOT OWN HAS BEEN DELETED, BY XXXX XX/XX/XXXXAND XXXX PUT THE SAME ACCOUNT BACK ON THE MY CREDIT REPORT, I ALSO FILE A POLICE REPORT THAT WAS ATTACH TO ALL NEGATIVE REPORTS
|
| 07/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I have attempted to have account disputed on XXXX.17 creditor is unable to verify debt in its full truthfulness. This is a violation of my HIPPA rights as this debt collector is not entitled to collect on a debt in the state of Florida.
|
| 11/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/20 WAS CALLED ASKED TO BE NOT CALLED AGAIN BY RUDE PERSON. XX/XX/20 WAS HARRASED AGAIN BY COMPANY TOLD THEM YOU I WAS NOT TO BE CONTACTED AGAIN THEY REFUSED THAT WAS PLACED ON DO NOT CALL LIST BUT THEY RECORDED BOTH PHONE CALLS.
|
| 08/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX Common Wealth Finance is trying to collect a medical bill that does not belong to me. Amount of debt is XXXX . This is no the same complaint for XXXX
|
| 03/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children. It also has been refiled multiple times so the dates change to not fall of at the 7 year mark.
|
| 09/05/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This debt just showed up on my report, I believe back in XXXX 2015, I never heard of this company before, until now, I believe I am not responsible for this debt. I summited complaints with the credit bureau 's and have got no where.
|
| 07/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have ask this company to provide documents that shows I owe them money or been in business with them but they have failed to provide such documents. they jus claim that the information is verified but have failed to provide proof.
|
| 01/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company makes repeated phone calls to my cell, would n't give me enough information to identify the debt ( I owe no debts ), and repeatedly asked for personal information, including social security number to " verify '' my identity.
|
| 07/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
XX/XX/XXXX Sent letter to get company to remove debt from my account. this has already been removed and is not my account. this and account has been going on since XX/XX/XXXX. I was never notified of this account in writing or call.
|
| 09/01/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Commonwealth Finance acct # XXXX, should have been paid by my Insurance XXXX XXXX . I have had XXXX XXXX for over 10 years, same account just now a different County. They never submitted charges to XXXX, and now it is in Collection.
|
| 02/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
How are you. I sent a complaint in for COMMON WEALTH FINANCIAL. a few weeks ago you all got it removed from my XXXX report. I noticed, it is still showing on my XXXX report. if you can kindly get it removed, I would Appreciate it.
|
| 01/31/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. Commonwealth Financial XXXX XXXX XXXX XXXX XXXX XXXX Please assist.
|
| 06/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 02/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018 an amount of {$610.00} owed was reported to XXXX from XXXX XXXX XXXX. The creditor is with Commonwealth Financial Systems. I am unaware of this charge or amount owed. It is an unknown provider and unknown service.
|
| 10/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021 I sent a letter to COMMONWEALTH FINANCIAL. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
|
| 07/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with COMMONWEALTH FINANCIAL plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$1400.00}
|
| 05/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There is an account listed on my credit file which is NOT accurate and I do not owe this and have disputed with nothing being received. My family has always had medical coverage. Please help assist Commonwealth Financial Systems
|
| 06/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I sent a certified dispute letter to Commonwealth Financial Systems more than 30 days ago and they never responded. Per the Fair Credit Reporting Act, they now need to remove the debt from my credit report. It is still showing.
|
| 04/09/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I 've recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and neither have they provided me with services or goods
|
| 03/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was checking my credit and saw negative results on my credit that i do not owed or know anything about. I just want this remove this account off of my credit. I have disputed and they just will not remove this fake account.
|
| 01/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
opened : XX/XX/2018 Balance : XXXX I called to see where the bill came from and was told it was from me last apartment. I spoke to a representative befor I moved to make sure all my bills were pay in full and accounts closed.
|
| 10/15/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
CommonWealth Finance removed an item from my credit report and then re reported it with a new account # and status of account. If they could n't prove the account the XXXX time a new account # is n't going to change anything.
|
| 02/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have contacted the company and XXXX about the mistake. After I disputed done collection account 's. When they decided my dispute was not worth removing the 6 plus year old Accounts they came back on my name as JUST OPENED
|
| 12/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
There are several accounts reporting through this company which are unknown, I have no records of and never have been contacted. Please assist Commonwealth Fin {$910.00} Commonwealth Fin {$920.00} Commonwealth Fin {$590.00}
|
| 12/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX which who I never heard of from XXXX hospital is attempting to collect a debt in the amount of {$370.00} on XXXX XXXX, 2017. I do not live in XXXX. I reside in XXXX. Where is this collection coming from I have no idea.
|
| 05/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have unpaid medical debts from a car accident in XX/XX/XXXX. These debts are being sold and reaged to the current year each year. It has now been 10 years and they just put a new debt on says opened XX/XX/XXXX XX/XX/XXXX
|
| 11/02/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
commonwealth finanicial has cause harm to my credit with XXXX XXXX XXXXt drop in my credit score with XXXX credit breau without vaildating the proper procedure for debt collection according. FAIR DEBT COLLECTION PRACTICES
|
| 09/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company just added several new collections which I do not have any new medical debt. This is unknown and no validation received and requested {$55.00} XXXX {$1000.00} XXXX {$980.00} XXXX {$1100.00} XXXX {$580.00} XXXX
|
| 04/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a collection on my credit report from XXXX . The original creditor is listed as XXXX XXXX XXXX . This bill was paid by my insurance. I have never received a bill for this debt prior to it going to collections.
|
| 09/11/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Debt is a result of an injury at work. Workers comp did not receive a bill. Claim number XXXX. Workers comp and or insurance is responsible not me. Negative reports hurting my credit. Trying to get a resolution since 2010.
|
| 01/03/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
all medical bills were paid in XXXX by medicaid and medicare company keep changing account number to get it back on credit report and puts the open date to hide that they are reposing back on credit report as XXXX or XXXX
|
| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
They keep reporting to the credit bureau but I do not owe that amount that is shown its over XXXX, my names are also incorrect on my credit report. Multiple closed accounts that need to be removed off of my credit report
|
| 12/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
Collection Agency Common Wealth Financial opened account on XXXX XXXX, 2016 for a balance of {$1000.00}. This collection agency isnt licensed in my state and I am requesting it to be removed from all three credit bureau.
|
| 09/11/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have not received a bill for this charge. Also I do n't remember going to this business for services. I need more information regarding this debt. This is quite confusing to me. I believe it 's a mistake on their part.
|
| 01/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am not aware of this debt nor do I believe I owe this debt. I disputed this with the credit bureaus and they refuse to remove this from my credit report, The company failed to provide debt validation for this account.
|
| 08/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
THEY ARE CONTINUING TO SEND ME BILLS FOR AN ACCOUNT I SETTLED ALMOST A YEAR AGO TO GET ME TO PAY IT AGAIN. THEY REPORTED TO CREDIT BUREAU AND DROPPED MY SCORE. I DISPUTED AND THEY CONTINUE TO REFUSE TO RESOLVE THE ISSUE
|
| 06/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have no idea what this is for, I have tried to request validation and nothing. I did not go to the doctors in XXXX XXXX . This is inaccurate information listed from this company Commonwealth Financial {$170.00}
|
| 11/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The Following Agency is not bonded in FL and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
|
| 03/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
There is a company called Commonwealth Financial reporting I owe a medical debt which I have not been to the hospital in many many years. I feel this is a mistake. I have disputed and it resolved nothing. Please help
|
| 06/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX is inaccurately reporting that I have a collections debt of {$630.00}. Commonwealth Financial is also inaccurately reporting that I have a collections debt of {$720.00}. These accounts do not belong to me.
|
| 10/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account does not belong to me at all! I co tacked the company and they advised that the account is 4 yrs old and belongs to me! Again I advised the company it does not and to remove from my report immediately!
|
| 11/14/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Common wealth financial services continues to flag my account...
They have continued to do this even after XXXX of there accounts was removed from my report ... .I need them to take this XXXX of my report as well
|
| 03/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX was the owner of a prior debt. Five days after I settled this debt the same account was sold to another debt collector. The new debt collector Commonwealth Financial refuses to remove debt from credit report.
|
| 01/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not owe this debt! I have disputed this account several times and it has been removed and keeps returning dropping my credit score. I do not owe a medical bill for {$500.00}! If I did I would have paid this.
|
| 04/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was never informed of the debt before my credit was hit. I was never sent documentation stating what the debt was. This company said they would mail me something. I never received it. I wasnt aware of the debt.
|
| 02/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
My medical debt from XXXX came off my credit report in XXXX. The company Commonwealth Financial Systems bought that debt and put it back on my credit report noting it as debt from XXXX. This information is false.
|
| 04/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There is a charge or a card on my credit report that I just noticed for {$760.00} from Commonwealth Finance. I have never done business with them and have no clue who these people are. I own no such card or loan.
|
| 03/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
this company is calling me for my brothers debt. i told them he doesn't live here. they tell me if he doesn't contact them by a certain time legal action will proceed.i have twice told them this is not his number
|
| 07/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018 they say I entered XXXX XXXX XXXX but at that exact month I was XXXX this is not mines my father has same name as me I wasn't released until XX/XX/XXXX so how could I have entered the emergency room
|
| 08/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I already reached out to Commonwealth Financial Systems and informed them the original debt owner adjusted the debt due to an internal error and my account with XXXX XXXX XXXXXXXX XXXX has been adjusted to XXXX.
|
| 11/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
XX/XX/ {$66.00} Company that I don't recognize report a collection debt on my credit report without authorization and previous notification. Also, they never sent me a bill on my address, email or a phone call.
|
| 01/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
The first time I heard of this company is when they show on my credit report on XX/XX/2020. I never received any correspondence from them prior to that date. There is no address or phone number to contact them.
|
| 12/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Commonwealth finance posted a debt on my credit report in the amount of {$59.00}, stating that it was opened XX/XX/2018. I have received no correspondence in regards to that dept in order to confirm and pay it.
|
| 02/04/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have requested verification and validation of debt and this company will not provide. I do not believe that this agency is licensed and bonded to collect in my state and that this debt is over XXXX years old.
|
| 07/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX {$1300.00} I DO NOT AND DID NOT CONSENT TO YOU TO PLACE THIS ON MY CONSUMER REPORT THIS NOTICE IS TO CEASE AND DESIST ALL ILLEGAL ACTIVITIES WHICH INCLUDES REPORTING CONSTITUTEs COLLECTION ACTIVITIES
|
| 05/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/XXXX {$650.00} Commonwealth Financial XX/XX/XXXX {$320.00} XXXX XXXX XX/XX/XXXX XXXX XXXX {$160.00} These are medical bills an are on my credit report. It is violating the Hippa law.
Please remove them.
|
| 03/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2019 commonwealth finance put XXXX dollars in collection for medical dept that IS NOT OWED the number associated is XXXX AND I HAD AND HAVE XXXX AND XXXX FOR THE LAST 5 YEARS SO NOTHING AT ALL IS OWED
|
| 05/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/2019, a letter was submitted to Common Wealth Financial System requesting that they verify the debt ( account ) the company has failed to provide a sign contract as requested to validate the account.
|
| 12/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Collection agency is n't licenced in my state, TN. They didnt reach out to me regarding the debt ( meaning I did n't have a fair chance to contest the validity of the debt ), but is still on my credit report.
|
| 06/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company COMMONWEALTH FINANCIAL IS REPORTING ON MY CREDIT REPORT AS A COLLECTION I HAVE NO IDEA WHO THEY ARE. I HAVE NOT DONE BUSINESS WITH THEM BEFORE. THIS IS A FRAUDULENT ACCOUNT OPENED UNDER MY NAME.
|
| 06/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019 i was notify of a collection from Commonwealth financial system i have no knowledge of this company i have never signed a contract with this company i have never done business with this company
|
| 02/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I saw an account for the Commonwealth Financial systems on my credit report, and after doing some research, the amount i " owed '' was for a hospital bill my workman 's comp paid for getting injured at work.
|
| 06/26/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Recently I checked my credit report, and I saw that one medical item on my report. I was surprised how can the collection agency add an item on my credit file without sending me a notice of right to dispute.
|
| 11/20/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I sent a letter to XXXX XXXX XXXX in XXXX 2015 with NO response. Shortly after I receive another demand from Commonwealth Financial Systems. I am asking for valid proof of this debt and have not received it.
|
| 08/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.
|
| 06/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The information that they have sent to the bureaus is not mine. I did not open an acount in 2021 for those amounts or from recent years. They have reported incorrect information to all three credit bureaus.
|
| 02/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 12/06/2020 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 12/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 10/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 08/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 03/09/2017 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
Commonwealth Financial has added several bogus collections to my XXXX & XXXX reports. They have never communicated with me regarding any of the listed items. I 'm 100 % certain these are fraudulent charges.
|
| 05/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Commonwealth financial systems is misrepresenting how old my debt is. The accounts are from XXXX and they are listing them from XXXX of XXXX . I 've tried to get them to correct this but they refuse.
|
| 07/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this debt after seeing it listed on my credit file, this is unknown and I believe it does not belong to me. I have requested validation in my dispute and have received nothing. Please help
|
| 07/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth financial sent me a later for a hospital bill for XXXX. And said that the account was opened in XX/XX/XXXX but they reported to my credit saying it was openXX/XX/XXXX. This debt is not mine.
|
| 09/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Commonwealth Finance bought old debt from XXXX XXXX XXXX XXXX XXXX and now has re-aged my account, which means they changed the date that the account first went delinquent, making the debt appear newer.
|
| 04/07/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Hello this account was either drop from my credit report or discharge in bankruptcy I have not had a light bill in my name in ages this is fraud.
XXXX XXXX XXXX Original creditor : COMMONWEALTH XXXX
|
| 08/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
per fcra this company is entitled to provide proof to me regarding the debt to ensure it actually belongs to me.. I have made several request for them to provide proof and no proof has yet be submitted
|
| 07/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The company Commonwealth Financial Systems reported to my credit a debt which is outside the statute of limitations for collecting medical debt and they also did not sent me any notices about the debt.
|
| 06/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I have been calling for months to get this taken care of and have been told u have received the proper paperwork for my bankruptcy and it will be " made right '' in 6 to 8 weeks and that never happens!
|
| 03/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Commonwealth Financial Systems reported a medical collections account in the amount of {$1500.00} to XXXX without notifying me of the debt and giving me an opportunity to dispute or validate the debt.
|
| 05/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this company obtained my information without my permission and has been harassing me for a medical debt in the amount of {$160.00} that I did not sign anything agreeing to pay this with their company.
|
| 06/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Common wealth financial systems its about XXXX XXXX XXXX a # XXXX for the amount of {$1200.00}. Call them and let them know that this account is not mine but they still report it in the credit bureau
|
| 08/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I went to the original of the account and says there is no information in their system, these companies that charge do not show their information is impossible to make an arrangement or verification.
|
| 12/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX is showing up on my credit report 5 times with all three bureaus and they are n't licenced in the state of fl..I 'm resquesting that they be removed immediately from all three bureaus.
|
| 04/14/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
This debt is my mine I wrote the credit reporting agency indication I am not aware of this debt to provide information pertaining to this debt came back verified how? when they have no such documents
|
| 04/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have no idea what has happened. This debt showed up on my credit report XX/XX/2017 and I have no idea what it is for or when or why I owe it. Company will not respond to my requests for validation.
|
| 09/02/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
Repeated calls even after I told them that the person they are calling is not at this number and to cease calling my cell phone or I would report them. I have NO DEBTS and I want these calls to stop!
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Contacted collector about original date of debt being wrong. Dispute filed because they went in and changed the date. Debt is more then 7 years old. Was told I could still be sued over amount owed.
|
| 07/15/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
this company is reporting information twice on my profile. It is impacting my ability to get credit .I believe it is malicious and would like it to be removed as it is it illegal to report it twice
|
| 06/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was in two hospitals back @ XX/XX/2013 with a major XXXX injury. @ that time I was insured with XXXX.
The ACCOUNT # on this letter is XXXX XXXX Both stating the I owe {$5000.00} each {$5000.00}
|
| 04/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Commonwealth has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 11/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Commonwealth financial systems are reporting to my credit report negative and incorrect information that is affecting my ability to improve my life and receive a fair interest rate on a car loan.
|
| 01/13/2016 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
calls 3-4 times a day saying I owe a debt. I acknowledged that I owed the debt but still keeps harassing me. called this morning XXXX/XXXX/2016 at XXXX. and calls frequently through out the day.
|
| 10/21/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
commonwealth finance and XXXX is keep opening old account that is expired and all ways attacking my credit report over expire accounts and same account repeated tell information too XXXX party.
|
| 01/31/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. XXXX XXXX XXXX for {$2300.00}.
|
| 01/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I made several attempts to clear up this matter, every time I think its cleared up, its gets passed to another collection agency, who in turns reports it as a new account with incorrect dates.
|
| 02/03/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have requested verification and validation of debt from this agency several times to this day they have not provided. I do not know what this is and I am disputing the validity of this debt.
|
| 02/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
The credit company ( Commonwealth Financial ) is re-aging the debt to keep it on my credit report. The have also double-listed it on my credit report to increase the hit on my credit rating.
|
| 06/09/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX but have not been able to do so with XXXX as their site is garbage.
|
| 05/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I CHECK MY CREDIT ON XXXX / XXXX / XXXX , FOUND A MEDICAL BILL FOR {$710.00}, I NEVER RECEIVED A LEGAL NOTICE, NO VERIFICATION OF DEBT,, AND NO NOTICE TO DISPUTES THE DEBT WITH A 30 DAYS.
|
| 07/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I need validation of this debt. My insurance company has paid any outstanding medical bills. I have no recollection of this debt. It is on my credit report and I've never recieved a bill.
|
| 08/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.
|
| 02/12/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Filed a dispute with collection bureau. Collection account was deleted. A week later Common Wealth added the collection back to my credit report without any contact with me stating why.
|
| 09/05/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
the company violated the fair credit reporting act. the company is reporting 3years after the debt originated. this is an blatant attempt to disregard the FCRA and keep it on my credit.
|
| 10/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Common Wealth Financial is reporting a fraudulent account on my credit..
I didnt authorize anyone to open this account and I am requesting ther removal of this account from my credit.
|
| 07/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
It is reporting twice on my credit report once from XXXX XXXX once from common wealth finance. Both for the amount of {$63.00} and both with the original debtor as XXXX XXXX XXXX XXXX
|
| 05/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I have several medical bills showing on my credit report and I turned in my XXXX XXXX number to all companies. It's still showing on my report. Can you help? Thank You XXXX XXXX XXXX.
|
| 11/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2019, XXXX I have called about this and I get no response it is illegal and unfair to send and sell a debt that isn't mine. I'm asking can you please remove off my credit report
|
| 02/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I went to the emergency room XXXX time in XXXX while I was at the XXXX XXXX I paid the debt in XXXX when I received my XXXX check. I do not recall a XXXX visit to the emergency room.
|
| 10/31/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this with the credit agency that just informed me this was added on my credit file, this is an unknown debt which I believe is inaccurate, requesting full validation
|
| 12/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have no recollection of any medical bills unpaid by me, I have not been to a doctor in over 2 years. I have not received XXXX phone call, letter, or email. I think this is a scam.
|
| 03/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt collector reported a debt to the 3 credit agencies on my behalf on a debt I never received mail or even knew I have because all my medical bills are paid through insurance
|
| 05/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Commonwealth Financial ha s placed a collection on my XXXX credit report on XXXX 2017 for {$240.00} without sending me written notification to validate the alleged debt.
|
| 11/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Some guy keep calling me threatening to sue me over a debt I don't know anything about. he called me cussing at me telling me to shut the XXXX up when I asked for his credentials.
|
| 09/15/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have previously disputed debt on multiple occasions and requested information regarding the validation of this debt.which I never received only a statement with payment options.
|
| 01/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.
|
| 09/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 09/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 09/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 08/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 08/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 09/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
I have never hear of commonwealth or XXXX XXXX XXXX that just popped up on my credit stating that I owed XXXX plus dollars. They never attempted to reach out by phone or mail.
|
| 09/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Receive notice of debt in mail, letter dated XX/XX/2019 before I even tried to dispute it, it is on my credit report. Its a hospital bill that my ins company has no report of.
|
| 10/16/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have asked several times for verification of this debt, i have never received any actual proof that I owe any money, they still reported this account to the credit Bureaus.
|
| 03/28/2020 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
DATE:XX/XX/2020 AMOUNT : {$1100.00} CALLED THE COLLECTION AGENCY AND INFORMED THEM THAT THE ACCOUNT WAS NOT MY ACCOUNT AND THEY SAID IT WAS NOT ANYTHING I COULD DO ABOUT IT.
|
| 07/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Common Wealth Finance is trying to collect a medical bill that does not belong to me. Amount of debt is XXXX.
|
| 04/18/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This is fraudulent. It is not mine. I got no notice, and disputed multiple times requesting information they do n't have and cant provide. kindly help me to get this removed
|
| 02/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
COMNWLTH FIN is claiming that I owe them {$910.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 01/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This account in Collections ( COMMONWEALTH FINANCE ) I am not liable for ( XXXX XXXX ) Creditor Information COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
|
| 03/13/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Common Wealth Financial states that I owe them {$86.00}. This was a result of identity theft. Please contact them and have this item removed from my XXXX and XXXX report.
|
| 05/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Commonwealth financial Systems debt amount is XXXX account # XXXX opened on XX/XX/XXXX and XXXX XXXXy amount XXXX the account number # XXXX this was opened in XX/XX/XXXX
|
| 07/04/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Common Wealth Debt Collection in amount of {$1500.00} is a fraudulent collection due being a victim of identity theft.
I now have fraud alerts attached to my credit.
|
| 03/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX company is trying to make a claim to a bilm that was taken care by my medical insurance and called doctors and hospital and account has been closed in there end.
|
| 04/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have had to deal with these people before. I don't know why they keep saying this debt is mine. I have not been in any hospitals since 2009. So this is not my debt.
|
| 09/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Previous complaint XXXX was recently closed after the company responded they would remove the items from my credit bureaus. As of today they remain on my XXXX report.
|
| 09/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 07/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This collection is a medical debt for emergency services provided on XX/XX/2016 in South Carolina. The statute of limitations for health debt in the state is 3 years
|
| 03/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Commonwealth Financial attempting to collect on a debt that is not mine. This company reported that this account was opened on XX/XX/2019 and reporting on my credit.
|
| 06/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This medical bill is not mine. I have contacted several times and asked to see a billing record. It was never sent and XXXX actually removed this during my dispute.
|
| 05/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I sent a letter of debt validation on XXXX XXXX XXXX and they ignored my letter and sent me the attached letter which I received on XXXX XXXX XXXX .
|
| 06/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
every single day I receive a robo-call in XXXX and XXXX for the past 4 months from an unknown debt collection agency called Commonwealth Financial Systems at XXXX.
|
| 05/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
shared information with 3rd party without my consent. reporting inaccurate information to the credit bureaus. damaging my consumer report with negative reporting.
|
| 03/19/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Please validate this alleged debt. This is my 2nd time contacting you about this account and I hope this time with the help of CFPB you will not grant my request.
|
| 05/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I tried disputing this advising this company that I have never been to this emergency room and I have not been to a hospital in years. So this has got to be fraud
|
| 06/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Both Commonwealth Finance and XXXX XXXX XXXX are both reporting my old debt of about 4 to 5 years ago as new account and both are showing up on my credit report.
|
| 06/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Person threatened me, if I didnt pay the bill. I never received anything from this company, and not my account. I hung up they called me back 4 different times.
|
| 03/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This account is reporting in error. It says on my credit report that the account was opened in XX/XX/2017. I have not been to any hospitals or doctors in years.
|
| 02/21/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
They proceeded to put this debt twice on all of my credit reports. The original amount is {$940.00} and now it is showing {$1800.00} which is double the amount.
|
| 01/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I looked at my credit report on-line prior to applying for credit for a new vehicle and noticed a medical collection on my credit bureau I had no knowledge of.
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I sent a certified letter in XX/XX/2021 for {$1400.00} for a debt validation of original documents. The company did not send the original documents requested.
|
| 03/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received notification that this debt that was disputed and legally removed had been bought by another debt collector and wrongfully posted to my credit file
|
| 05/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I should not owe anything and if I was ever notified right after this occurred I would have disputed it also I would also like to see the signed authorization
|
| 04/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received multiple calls and have confirmed my address and the company will not send me a copy of the medical debt as I have not been able to validated. date
|
| 03/30/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
sent letter requesting verification of debt a month ago still no reply also the debt was removed by previous collection agency because of lack of verification
|
| 10/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
No notification of this debt and the date and information is incorrect. This debt is old and past the timeframe to report. Also no verification or calidation
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received any investigation results.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 03/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 02/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 45 days and i havent received any investigation results.
|
| 01/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Commonwealth financial called me and refuses to send me a bill so I can verify the debt owed. They pressure me to pay over the phone and wont send me a bill.
|
| 01/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
this debt was illegally reaged and this debt should not be owed as it was supposed to be sent to insurance and it is the subject of an open litigation case.
|
| 08/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company is reporting a debt that was removed from my credit due to a violation of the FDCPA/FCRA. This needs to be removed before I take legal action.
|
| 06/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never heard of this company nor have I had a contract with this company. They have negatively put this on my credit and have lowered my credit score
|
| 05/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my debt, this is my father 's. I disputed this last and it was taken off but this year its was declined. Please stop putting this on my credit.
|
| 04/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
These debts have already been paid and are showing under collections : XX/XX/XXXX {$390.00} XX/XX/XXXX {$970.00} XX/XX/XXXX {$620.00} XX/XX/XXXX {$1000.00}
|
| 03/14/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This agency just added a new collection on my credit file. This is unknown, inaccurate and I did dispute and request validation and nothing again received.
|
| 10/22/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Company has not validated debt at my request but still reports the debt to the XXXX major credit reporting companies. This violates 809 ( b ) of the FDCPA.
|
| 09/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was told that my debt is from when I visited the ER, which at the time of the date in question I had insurance and since then I have switched insurance.
|
| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results.
|
| 04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received investigation results.
|
| 06/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX physician sold accounts to 2 different collection agency same accounts with different amounts ... Inaccurate information being reported..
|
| 05/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have written and attempted to call to verify this debit. Instead it was just placed on my credit report with out any validation or attempt to dispute.
|
| 08/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do n't owe any medical bills as I have always had insurance. The company has no right to have access to my medical re cords. HIPPA has been violated.
|
| 06/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Apparently this company purchased this debt, did n't inform me and put it on my credit. It has been removed from other companies 3 separate t imes now!
|
| 03/28/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
I received a letter about medical services. I am XXXX and unable to mail them a validation of debt notice. I have no idea where these charges came from.
|
| 08/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
It shows I owe medical bills still. They have already been paid and I should not be still oweing anything from them. It should not be still showing up.
|
| 04/10/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
The credit agency that has been trying to collect from me for over 6 years has stated that the debt was reported on a more current date which is a lie.
|
| 09/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was going over my consumer report and this collection is there. Im not aware of this account and never received anything correspondence in the mail.
|
| 03/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XXXX I sent letter to Comnwlth Fin to inform them they are in breach of security and HIPAA authorization for two accountsXX/XX/XXXXXX/XX/XXXXXXXX.
|
| 05/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was looking over my credit report and notice that I owe a medical debt {$51.00} but never received any documentation showing that I owe that amounf
|
| 09/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
sent letter requesting back up for the collection on my report did not receive a response.
If back up can not be provided please remove immediately
|
| 05/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection was previously disputed and removed from my credit reports. This debt is not owed and was put back on my credit without my knowledge.
|
| 08/30/2022 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have contacted commonwealth on multiple times and requested information is forwarded and only told to contact the XXXX XXXX XX/XX/2022 XX/XX/2022
|
| 11/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The company was XXXX XXXX the account was open XX/XX/2019 I have no idea where this came from! for the amount of XXXX called common wealth finance.
|
| 04/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This debt is not mine. I was not admitted for any XXXX services at this establishment. This seems to be some type of clerical error on their part.
|
| 05/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never recieved any documents indicating that I owe the debt. I noticed that I owed the debt on my credit report. Would like to validate the debt
|
| 10/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
XXXX has removed a collection from my account a year ago & just recently it has been reinserted without sending a notification within ( 5 ) days.
|
| 03/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Commonwealth financial is on my credit report in the amount of {$1000.00} for what looks like a medical debt but not sure where its coming from.
|
| 01/18/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Threatened me first about IRS and now with criminal charges. The company is Delta Group at Least thats whats on my caller id the number is XXXX
|
| 06/17/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
These debts were removed previously from another company, about a year ago, then Commonwealth refilled all of them again after purchasing them.
|
| 01/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, 2018 Amount owed {$1100.00}
|
| 04/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
XX/XX/XXXX, {$1100.00} was reported on my credit report as an unpaid medical bill by Commonwealth Financial. I have no knowledge of this debt.
|
| 05/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
DEBT WAS DELETED FROM XXXX ON XXXX AS RESULT OF IDENTITY THEFT. IM ASKING THAT THIS DEBT BE REMOVED FROM " ALL '' CREDIT REPORTING BUREAUS ...
|
| 08/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company has attempted to collect a debt not owed. I have tried to contact this company multiple times to fix this issue without success.
|
| 03/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Commonwealth Financial has been harassing me to pay a debt that does not belong to me, Violated hippa and sent incrimanating medical records.
|
| 09/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Opened XXXX XXXX COMMONWEALTH FINANCI {$2100.00} My personal information was sold to this company and that is a violation to my FBRA rights
|
| 09/30/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I recently viewed my credit report from XXXX and found the collection account it. They did n't send me any notice neither a debt validation.
|
| 07/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
There are several accounts on my credit report that arent mine. I did not open those accounts and I would like verification of these claims
|
| 06/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Commonwealth Financial sent a letter stated i owe {$820.00} i have a letter from commonwealth from XX/XX/2018 stated this is paid in full.
|
| 05/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
XX/XX/2018 I paid my collection XXXX. I did contact the collector and they sent me a letter showing that they reported it being satisfied.
|
| 10/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection account from you and told you it wasnt my debt but its still on my credit and now affect my ability to buy a house
|
| 03/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent couple letters to this company requesting debt validation and have received nothing but account is still on my credit report.
|
| 10/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me.
Please see the identity theft report and legal affidavit attached.
|
| 01/27/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
The debt occurred more than 7 years in the past. It is illegal to report credit items after 7 years. There was no way to verify the debt.
|
| 09/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Northest Collections Agency XXXX. They have the wrong phone number, I have repeatedly asked them " nicely '' to stop calling to no avail.
|
| 08/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS IS BEING REPORTED AS A NEW DEBT I HAVEN'T BEEN TO XXXX HOSPITAL IN MANY MANY YEARS. I HAVE WROTE LETTERS TO THEM FOR DOCUMENTATION.
|
| 07/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
This collection is listed on my XXXX credit report but not my XXXX. In addition, I was not informed of this debt. Please validate debt.
|
| 04/02/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am being charged {$920.00} by CommonWealth Finance. I have NO knowledge of this place, who they are or for what they are charging me.
|
| 10/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called them in XX/XX/XXXX and disputed the charge because it was paid. It was removed from my credit report now it's been added back.
|
| 01/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Noticed an authorized account on my credit file from COMMONWEALTH FINANCIAL in the amount of {$110.00} with an account number of XXXX.
|
| 03/25/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Company agreed to removed debt from XXXX and XXXX report on XX/XX/XXXX and XX/XX/2016. No longer responsible for debt agreed to remove
|
| 03/06/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
comapny will not provide me verification and validation of debt yet continue to report this on my credit report. This debt is not mine
|
| 06/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I AM NOT ENTIRELY SURE WHO THESE PEOPLE ARE AND WHY THEY KEEP CALLING ME ALL THE TIME. I HAVE NEVER BEEN BEHIND ON ANY OF MY ACCOUNTS.
|
| 02/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please verify that this account belongs to me. I have no knowledge of this account. Please delete from my credit profile immediately.
|
| 02/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I'm not understanding this charge for 2014. I dont owe anything and I do not accept this company having put my name on the collection
|
| 12/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Common wealth financial reporting on my credit report and it's violating HIPAA law and I would like it removed from my credit report
|
| 04/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
this medical bill was paid by me in 2015 as well as my insurance, the collection agency keeps reselling the debit to other companies
|
| 07/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Financial Systems, Incorporated XXXX XXXX XXXX XXXX, XXXX XXXX, PA they are a fraud company that needs to be shut down.
|
| 08/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This is not my debt. I want the them to stop harassing me with the phone calls and stop running my credit for debt that is not mine
|
| 05/08/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
They contacted me and identified the debt amounting to {$1100.00} and I never received information to verify and validate the debt.
|
| 04/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Common Wealth Financial system is reporting a debt to my credit report That I already paid to another debt collector XXXX XXXX XXXX
|
| 05/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This Account is too old to be on my credit report. The account is more than seven years, it should be taken out on my credit report
|
| 01/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I tried to find out about this charge with no luck. I 'm not sure why this was n't sent to my insurance company if this is for me..
|
| 04/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I've been disputing this debt that is not mine. Everytime dispute is complete. The company sells it off to another debt collector.
|
| 05/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ask for verification of debt and never received. this company of violated the hippa laws the protects consumer medical information
|
| 10/20/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I want them to send me all documents with my Actual signature on it and to REMOVE FROM MY CREDIT! DO NOT RESEND THE SAME DOCUMENT!
|
| 04/29/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This debt is being wrongfully put on my credit report. i have no idea what this is for. I DO NOT owe this debt and it is NOT mine.
|
| 03/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
THIS WAS A EMERGENCY ROOM VISIT AND THE HOSPITAL NEVER SENT TO MY INSURANCE, AND I HAVE NOT LIVED IN XXXX XXXX SINCE XXXX OF 2015
|
| 05/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no knowledge of this debt.
I'm requesting for a debt validation of this debt or delete the negative report off my credit.
|
| 09/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Opened XX/XX/2023 XXXX XXXX {$990.00} My personal information was sold to this company and that is a violation to my FBRA rights
|
| 03/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
These matters are at a minimum intentional gross negligence and at worst just plain fraud, COMMONWEALTH FINANCIAL SYSTEMS XXXX
|
| 01/03/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Do n't know who this Company is. In the past there were Companies in my Credit report that belonged to someone else, not me.
|
| 09/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have payed this debt in full over a month ago and they're still contacting me and have put derogatory marks on my credit.
|
| 06/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company i have no knowledge or business with ever is trying collect a dept i have no contract with nor there affiliate
|
| 03/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
XX/XX/XXXX-XXXX, XXXX- informed them that this was incorrect. plus showing XX/XX/XXXX when in fact it should be XX/XX/XXXX.
|
| 10/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I Got it charge off my XXXX XXXX because it was n't me the company keeps bother me about a XXXX $ that I know nothing about
|
| 02/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The account was disputed and the bureaus stated it was verified but I have not received any verification from the company.
|
| 08/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my debt I didn't make these charges This is making it to where I cant get my new home Please remove and delete
|
| 09/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
these 3 company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.
|
| 02/19/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is not my debt. I have no knowledge of this debt at all. I am not sure why they are trying to collect money from me.
|
| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A collection company has added a debt that is not mine and its affecting my credit. I need it removed it is not my debt.
|
| 11/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Always calling and i kept disputing for many many years and they always pop up. I always had insurance in fl and in ny.
|
| 06/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
SENT FTC AND POLICE REPORT VIOLATION XXXX XXXX COMMONWEALTH FINANCIAL WRONG SOCIAL REPORTED SENT PROOF TO XXXX XXXX
|
| 09/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone stole my wallet a while back and I am starting to see random things pop up on my credit report in collections.
|
| 08/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have health insurance XXXX by the state I dnt suppose to be responsible for medical bill Medicaid supposed to pay it
|
| 07/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This is not my account. I have never had any dealings with them, the address listed is incorrect and its a fake charge
|
| 12/16/2016 |
Yes |
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
i am getting phone calls saying if I do n't pay I will go to jail I ask to stop calling and it keeps happening everday
|
| 02/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
After you investigated this and removed it they rereoorted it with double amount. I think this is a duplicate if XXXX
|
| 01/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I spoke to this company and explained this was not my debt but they keep calling and saying my credit will be ruined.
|
| 12/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company keeps reporting on my credit report even after sending a Cease and Desisit order.
This is not my debt.
|
| 05/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Credit Alert Derogatory Account Reported By Commonwealth Financial Reported On XX/XX/2020 Account Balance {$2200.00}
|
| 05/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is unknown, I have never been contacted or given any information. I do not owe any medical debt. This is wrong
|
| 06/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
COMMINWEALTH IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAV AN ACCOUNT ON MY CREDIT REPORT. THATS NOT MINE.
|
| 09/20/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth financial has reported a collection on my credit reports which is n't mine and is dating back to 2011
|
| 12/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Failed to validate my debt and violated my XXXX rights by disclosing my medical procedures that I was unaware of.
|
| 12/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The collection agency is not licensed in my state and I am requesting it to be deleted from all 3 credit bureaus.
|
| 11/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt was medical, but I have full health insurance to this day and can prove, but refuse to take off my credit!!!
|
| 10/22/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company attempting to collect a debt not owed and lowering my credit score by fraudulently claiming this debt.
|
| 10/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Commonwealth Financial keeps harassing me when my Medicaid and XXXX XXXX said they paid for the medical bills.
|
| 06/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018 CFSI filed on my credit I owed {$490.00}. I do not. I have never done business with the company
|
| 11/16/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Various different information provided from credit bureaus. Please verify. If not, please remove and delete.
|
| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The account is reporting as delinquent on my credit report and I have never done business with this company.
|
| 06/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
noticed this on my credit report and I tried to contact the consumer however no luck. This is not my account
|
| 03/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX is charging me for services and i had XXXX and now i am getting a bill for the same services.
|
| 10/18/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
a dispute the first dead and they can not verified so was deleted.and now they do another one for {$600.00}
|
| 03/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
{$1200.00} {$720.00} Commonwealth financial negatively impacted my credit on an account paid by insurance
|
| 09/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This debt happened well over 5 years ago they changed the date after it was removed from my credit report
|
| 09/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had and have Medicaid I been having my government assistance I dnt know why they coming after me for it
|
| 09/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently checked my credit report and discovered that this company is reporting that I owe them a debt.
|
| 05/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Common Wealth Financial uploaded a collection debt to my credit reports that was paid in full XX/XX/2015.
|
| 09/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
i have several inquiries that i have no idea where they came from mainly the hospitals from XXXX to XXXX
|
| 12/30/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I have not received any letters attempting collection of these debts. I have moved on several occasions.
|
| 12/30/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I have not received any letters attempting collection of these debts. I have moved on several occasions.
|
| 12/30/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I have not received any letters attempting collection of these debts. I have moved on several occasions.
|
| 07/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had XXXX and I was told my insurance all the medical cost.
1yr ago. XXXX, & XXXX XXXX XXXX XXXX XXXX
|
| 12/16/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
They settled. I paid it off and received a letter that it was settled. It is still on my credit report.
|
| 08/08/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have never been to this hospital or even city continued harassment at work and on personal cellphone
|
| 02/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is with Commonwealth financial system for {$1300.00} this not my debit and am not paying for it.
|
| 11/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My daughter was a patient at a hospital, however she had insurance at this time, covered under XXXX
|
| 01/24/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently viewed my credit report and noticed that this company has report that I owe them a debt.
|
| 01/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently viewed my credit report and noticed that this company has report that I owe them a debt.
|
| 05/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
THIS WAS DISCHARGED IN BK IN 2012 AND THEY KEEP REPORTING IT TO MY CREDIT AS RECENTLY AS LAST WEEK.
|
| 11/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Unknown and several times I have disputed with nothing received. No such debt is owed, please help
|
| 06/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no knowledge of this dept nor have i signed a contract with this company or its affiliates
|
| 05/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have had my identity stolen and now I have several collections items that I have no clue about.
|
| 12/30/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Never received a bill for anything suddenly company is hurting my credit with Derogatory charges.
|
| 12/02/2022 |
No |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Commonwealth financial The amount is {$740.00} The balance date is dated XXXX the XXXX of 2022.
|
| 02/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Was not informed about this debt. Showed up on my credit report and not sure what this is for.
|
| 09/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
COLLECTION COMPANY REPORTING ID FRAUD ACCOUNT AND VIOLATED MEDICAL PRIVACY ACT " HIPAA '' ...
|
| 04/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
They keep reopening this debt on my credit report even though it was discharged in bankruptcy
|
| 03/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone stole my information. I have no knowledge of this, and the address is non existent.
|
| 07/28/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This collection was from years ago that was paid or ether liable as a nonen vailade payment
|
| 04/27/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I requested validation and nothing has been received and it has been some time. Please help
|
| 04/19/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I had medical coverage with Nevada XXXX , I should never have been billed for this visit.
|
| 09/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
missing information and reported 2 seperate credit collections that has been written off
|
| 04/19/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I never visited the facility on or around this date, I had already moved out of state.
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am in receipt of my credit file and found this account which was not opened by me.
|
| 06/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
Collect Agency Common Wealth continue file inaccurate information on credit report.
|
| 10/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
THE XXXX HOSPITAL BILL WAS SETTLED IN XXXX 2015 AND IT IS STILL ON MY CREDIT REPORT
|
| 08/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do not and have never had any debt. This company continues to call and harass me.
|
| 12/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have not been to anyrhung medical to have medical bill with XXXX XXXX XXXX XXXX
|
| 04/17/2015 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Did not receive notice of right to dispute, i dont know where this debt came from
|
| 05/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company has violated HIPPA by sending medical statements that dont belong to me.
|
| 12/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Call all the time do not identify who it is or subject of call.Call and hang up.
|
| 03/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The collection agency is reporting an inaccurate account to my consumer report.
|
| 09/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
For over the past 30 years I have been employed with complete medical coverage.
|
| 03/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call constantly, but will not leave a message confirming which debt I owe.
|
| 10/22/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company attempting to collect debt not owed by filing a fraudulent collection.
|
| 05/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
this is not mind never been to hosiptal ever since i was kid like 12 years ago
|
| 09/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debt I owe was a XXXX of identity theft and they need to take it off.
|
| 02/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a fraudulent account on my credit report that I have never heard of.
|
| 08/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
The bill was disputed and deleted, but they reissued the bill a week later.
|
| 02/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have recieved several collection notices for accounts unbeknownst to me.
|
| 12/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX {$180.00} This company reported the issue to the credit bureaus
|
| 12/19/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
debts were paid in full with one payment months ago and still show unpaid
|
| 05/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XXXX garnished wages and shared personal information without my consent.
|
| 10/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
CRA is in violation of HIPPA aswell as several consumer protection laws.
|
| 11/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
NEVER GOT INFORMATION ABOUT THESE SO CALLED ACCOUNTS? FROM THE COMPANYS
|
| 01/31/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX XXXX XXXX reported on my account 3 times for the same information
|
| 04/24/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
They were to remove this from my credit and are reporting it to XXXX
|
| 04/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debts that are not mine are reporting to my credit as a collection.
|
| 06/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Unknown debt as I do not owe on any medical bills false information
|
| 04/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I see debts on my credit report from an account that is not mine.
|
| 03/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/2019 {$980.00} I called and told them this is not my debt.
|
| 07/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Never signed statement of responsibility, Not responsible party.
|
| 04/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.
|
| 04/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX fcra violations remove it : XXXX XXXX
|
| 01/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Data Breach information compromised. Don't recognize account
|
| 10/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do not know what this debt is for, please verify the debt.
|
| 07/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Unknown debt, not licensed to collect debt in my states.
|
| 07/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This bill was paid in full as agreed on XX/XX/XXXX XXXX
|
| 09/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
No contract with this agency. I do not owe this debt.
|
| 09/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
No contract with this agency. I do not owe this debt.
|
| 09/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
Not working. XXXX. Received XXXX they didnt bill XXXX
|
| 02/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I keep receiving letters and bills from Commonwealth
|
| 01/07/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
Debt reported by Commonwealth Financial is not mine
|
| 04/14/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
false information, this collection it 's not mine
|
| 04/07/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
false information, this collection it 's not mine
|
| 05/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Medical bill debt that someone used my identity
|
| 09/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This bebt was already settled and paid to XXXX
|
| 06/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
sent letter never received what i asked for.
|
| 11/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I don't know anything about this account.
|
| 04/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Attempting to collect on an alleged debt
|
| 12/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I do not have any debt to this company.
|
| 07/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been a victim of identity theft.
|
| 10/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American, Servicemember |
|
Date paid was XX/XX/2016 by XXXX XXXX
|
| 10/26/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
This is not and never was my account.
|
| 09/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is the result of identity fraud
|
| 05/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have no knowledge of this account.
|
| 07/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
they call 100 times a day
|
| 09/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Please see attachments
|
| 10/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt is already paid
|
| 08/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Not liable for debt
|
| 01/26/2024 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/26/2024 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 01/25/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/04/2023 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Debt or credit management
- Credit repair services
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|